ATM Fees in Sint Maarten
Netherlands Antillean Guilder (ANG) • Updated April 2026
Dutch side uses ANG but USD is accepted everywhere. High card acceptance. Casinos and nightlife hub. ATMs dispense USD/ANG.
Tips for Sint Maarten
- • USD accepted everywhere (1:1.75 ANG)
- • Casinos use USD
- • Cards widely accepted
- • Duty-free shopping
- • Nightlife hub
Airport tips
- • PJA (SXM) airport has ATMs
- • Taxis accept USD
- • Car rentals take cards
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 Sint Maarten, per person.
Backpacker
Hostels, street food, public transport
ANG/day
≈ $180-370 USD
Mid-range
Hotels, restaurants, mix of transport
ANG/day
≈ $420-830 USD
Luxury
Premium hotels, fine dining, private transport
ANG/day
≈ $950-2,250 USD
Cash vs card acceptance
Where you'll need cash and where cards work in Sint Maarten.
Credit card acceptance
HighExcellent. Cash needed for buses and small snacks.
You'll need cash for
- • Local buses
- • Beach bars
- • Tips
Cards usually accepted
- • Casinos
- • Hotels
- • Restaurants
- • Malls
💰 Cheapest banks for foreign cards
These banks charge the lowest fees for withdrawals with foreign cards.
| Bank | ATM Fee | Est. Cost | Branches | |||
|---|---|---|---|---|---|---|
| Windward Islands Bank | 5-8 USD | 0% | N/A (USD) | ~5.00 USD | 5 | Reliable |
| RBC | 5-8 USD | 0% | N/A (USD) | ~5.00 USD | 3 | Good network |
📍 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 | |||
|---|---|---|---|---|---|---|
| Windward Islands Bank | 5-8 USD | 0% | N/A (USD) | ~5.00 USD | 5 | Reliable |
| RBC | 5-8 USD | 0% | N/A (USD) | ~5.00 USD | 3 | Good network |