ATM Fees in Tokelau
New Zealand Dollar (NZD) • Updated April 2026
Tokelau uses NZD. No banks or ATMs. Cash must be brought from Samoa. Extremely remote. Cash economy.
Tips for Tokelau
- • No ATMs or Banks
- • Bring all NZD cash
- • Access via boat from Samoa
- • Cash economy only
- • Coins used for small items
Airport tips
- • No airport - boat access only
- • Bring cash from Apia (Samoa)
- • No exchange on island
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 Tokelau, per person.
Backpacker
Hostels, street food, public transport
NZD/day
≈ $58.02-110 USD
Mid-range
Hotels, restaurants, mix of transport
NZD/day
≈ $122-215 USD
Luxury
Premium hotels, fine dining, private transport
NZD/day
≈ Luxury N/A USD
Cash vs card acceptance
Where you'll need cash and where cards work in Tokelau.
Credit card acceptance
NoneCash only. No electronic payments.
You'll need cash for
- • Everything
- • Accommodation
- • Food
- • Supplies
Cards usually accepted
- • Nowhere
💰 Cheapest banks for foreign cards
These banks charge the lowest fees for withdrawals with foreign cards.
| Bank | ATM Fee | Est. Cost | Branches | |||
|---|---|---|---|---|---|---|
| None | N/A | N/A | N/A | N/A | 0 | Bring cash |
📍 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 | |||
|---|---|---|---|---|---|---|
| None | N/A | N/A | N/A | N/A | 0 | Bring cash |