ATM Fees in Samoa
Samoan Tala (WST) • Updated April 2026
Samoa has limited card acceptance outside resorts. Cash essential for local businesses and markets. ATMs available in Apia but limited elsewhere. Bring backup cash.
Tips for Samoa
- • Cash essential for local businesses
- • Cards at resorts and hotels
- • ANZ and BSP have ATMs in Apia
- • NZD and AUD easy to exchange
- • Sundays everything closes
- • ATMs at the airport and in Apia frequently run out of cash on weekends. Withdraw sufficiently on weekdays
Airport tips
- • Faleolo airport has ATMs
- • Get cash for transport
- • Limited services
Don't forget your home bank fees
The fees shown above are charged by local ATMs. Your home bank may also charge additional fees for international withdrawals (typically 1-3% + a flat fee). Check with your bank before traveling.
Estimated daily expenses
How much cash you might need per day in Samoa, per person.
Backpacker
Hostels, street food, public transport
WST/day
≈ $64.96-166 USD
Mid-range
Hotels, restaurants, mix of transport
WST/day
≈ $191-422 USD
Luxury
Premium hotels, fine dining, private transport
WST/day
≈ $458-920 USD
Cash vs card acceptance
Where you'll need cash and where cards work in Samoa.
Credit card acceptance
Low to ModerateCards at resorts. Cash for local experiences.
You'll need cash for
- • Local restaurants
- • Markets
- • Transport
- • Villages
- • Most shops
Cards usually accepted
- • Resorts
- • Hotels in Apia
- • Some restaurants
💰 Cheapest banks for foreign cards
These banks charge the lowest fees for withdrawals with foreign cards.
| Bank | ATM Fee | Est. Cost | Branches | |||
|---|---|---|---|---|---|---|
| ANZ Samoa | 5-10 WST | 0% | Visa/MC rate | ~2.00 USD | 5 | Best option |
| BSP | 5-10 WST | 0% | Visa/MC rate | ~2.00 USD | 4 | Available |
📍 Most widely available ATMs
Sorted by number of ATM locations. More branches means easier access, but fees may be higher.
| Bank | ATM Fee | Est. Cost | Branches | |||
|---|---|---|---|---|---|---|
| ANZ Samoa | 5-10 WST | 0% | Visa/MC rate | ~2.00 USD | 5 | Best coverage |
| BSP | 5-10 WST | 0% | Visa/MC rate | ~2.00 USD | 4 | Available |