ATM Fees in St Lucia
East Caribbean Dollar (XCD) • Updated April 2026
St Lucia has good card acceptance at resorts and tourist areas. USD widely accepted. Cash needed for local markets and restaurants. ATMs available in main towns.
Tips for St Lucia
- • USD widely accepted
- • Cards work at resorts and hotels
- • Cash for local experiences
- • Haggling not common
- • Tipping 10-15% expected
- • US coins are not accepted; vendors only accept US paper notes. Change will be given in XCD
Airport tips
- • Both airports have ATMs
- • USD accepted
- • Get XCD for local use
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 Lucia, per person.
Backpacker
Hostels, street food, public transport
XCD/day
≈ $144-340 USD
Mid-range
Hotels, restaurants, mix of transport
XCD/day
≈ $384-783 USD
Luxury
Premium hotels, fine dining, private transport
XCD/day
≈ $893-2,078 USD
Cash vs card acceptance
Where you'll need cash and where cards work in St Lucia.
Credit card acceptance
Moderate to HighGood at tourist establishments. USD widely accepted.
You'll need cash for
- • Local restaurants
- • Markets
- • Taxis
- • Street vendors
Cards usually accepted
- • Resorts
- • Hotels
- • Tourist restaurants
- • Tour operators
💰 Cheapest banks for foreign cards
These banks charge the lowest fees for withdrawals with foreign cards.
| Bank | ATM Fee | Est. Cost | Branches | |||
|---|---|---|---|---|---|---|
| Bank of St Lucia | 8-15 XCD | 0% | Visa/MC rate | ~3.00 USD | 8 | Main bank |
| First Caribbean | 10-18 XCD | 0% | Visa/MC rate | ~4.00 USD | 5 | 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 | |||
|---|---|---|---|---|---|---|
| Bank of St Lucia | 8-15 XCD | 0% | Visa/MC rate | ~3.00 USD | 8 | Best coverage |
| First Caribbean | 10-18 XCD | 0% | Visa/MC rate | ~4.00 USD | 5 | Available |