ATM Fees in St Kitts & Nevis
East Caribbean Dollar (XCD) • Updated April 2026
St Kitts & Nevis has good card acceptance at hotels and tourist businesses. USD widely accepted. Cash useful for local restaurants and markets. ATMs available in main areas.
Tips for St Kitts & Nevis
- • USD widely accepted
- • Cards work at hotels and resorts
- • Cash for local experiences
- • XCD pegged to USD
- • Small islands - limited ATMs
- • US coins are not accepted; vendors only accept US paper notes. Change will be given in XCD
Airport tips
- • Basseterre airport has ATMs
- • USD accepted
- • Get local currency for taxis
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 St Kitts & Nevis, per person.
Backpacker
Hostels, street food, public transport
XCD/day
≈ $133-314 USD
Mid-range
Hotels, restaurants, mix of transport
XCD/day
≈ $332-677 USD
Luxury
Premium hotels, fine dining, private transport
XCD/day
≈ $751-1,705 USD
Cash vs card acceptance
Where you'll need cash and where cards work in St Kitts & Nevis.
Credit card acceptance
Moderate to HighGood at hotels and tourist businesses. USD widely accepted.
You'll need cash for
- • Local restaurants
- • Markets
- • Taxis
- • Small shops
Cards usually accepted
- • Hotels
- • Resorts
- • Tourist restaurants
- • Car rentals
💰 Cheapest banks for foreign cards
These banks charge the lowest fees for withdrawals with foreign cards.
| Bank | ATM Fee | Est. Cost | Branches | |||
|---|---|---|---|---|---|---|
| RBTT Bank | 8-15 XCD | 0% | Visa/MC rate | ~3.00 USD | 5 | Main bank |
| First Caribbean | 8-15 XCD | 0% | Visa/MC rate | ~3.00 USD | 3 | 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 | |||
|---|---|---|---|---|---|---|
| RBTT Bank | 8-15 XCD | 0% | Visa/MC rate | ~3.00 USD | 5 | Best option |
| First Caribbean | 8-15 XCD | 0% | Visa/MC rate | ~3.00 USD | 3 | Available |