ATM Fees in U.S. Virgin Islands
United States Dollar (USD) • Updated April 2026
USVI uses USD. Universal card acceptance. US banking system. St. Thomas is commercial hub. St. John more expensive.
Tips for U.S. Virgin Islands
- • USD is official currency
- • Cards accepted everywhere
- • US banking (Banco Popular)
- • Duty-free shopping
- • Tipping 15-20% expected
Airport tips
- • STT airport has ATMs
- • Taxis are per-person cash
- • 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 U.S. Virgin Islands, per person.
Backpacker
Hostels, street food, public transport
USD/day
≈ $190-390 USD
Mid-range
Hotels, restaurants, mix of transport
USD/day
≈ $500-1,000 USD
Luxury
Premium hotels, fine dining, private transport
USD/day
≈ $1,200-2,850 USD
Cash vs card acceptance
Where you'll need cash and where cards work in U.S. Virgin Islands.
Credit card acceptance
Very HighUniversal. Cash needed for safari buses and ferries.
You'll need cash for
- • Safari buses (dollar taxis)
- • Ferries
- • Tips
Cards usually accepted
- • Hotels
- • Restaurants
- • Malls
- • K-Mart
💰 Cheapest banks for foreign cards
These banks charge the lowest fees for withdrawals with foreign cards.
| Bank | ATM Fee | Est. Cost | Branches | |||
|---|---|---|---|---|---|---|
| Banco Popular | 3-5 USD | 0% | N/A (USD) | ~3.00 USD | 10 | Dominant |
| FirstBank | 3-5 USD | 0% | N/A (USD) | ~3.00 USD | 8 | Reliable |
📍 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 | |||
|---|---|---|---|---|---|---|
| Banco Popular | 3-5 USD | 0% | N/A (USD) | ~3.00 USD | 10 | Dominant |
| FirstBank | 3-5 USD | 0% | N/A (USD) | ~3.00 USD | 8 | Reliable |