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Travel money guide: Fiji

Learn the ins and outs of spending in Fiji for less.

Updated

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Fiji is an archipelago of islands that boasts crystal clear beaches and some of the world’s largest hotel chains such as InterContinental, Shangri-La and more. Like any destination, taking the right cards with you can help you enjoy the experience and worry less about fees.

How much money do I need to bring to Fiji?

Fiji can be a cheap destination for travelers looking for a vacation on a smaller budget. At the same time, a Fiji vacation can be as expensive as you make it if you plan on living lavishly. Here are some of the daily costs for a Fiji vacation

Suva Budget Mid-range Expensive
to-sleepHostel dorm
$8 per night
2-star hotel
$40–$120 per night
5-star hotel
$200–$1,500 per night
to-eatPizza/tapas
$6
Indian restaurant
$15 per person
5-star restaurant
$25 per dish
spaVisit the Suva flea market
Free (plus shopping )
30 minute massage at Suva day spa
$25
4-night guided trek to the peaks of Fiji including food and transportation
$675

*Prices are indicative and subject to change

Exchange rate history

The dollar has been steadily gaining value against the Fijian dollar for the last 10 years — with an exception in 2012 when there was a slight drop. It’s hard to predict the movements of a currency pair, so it’s good to know that prepaid travel cards and traveler’s check allow you to lock in an exchange rate.

Compare money transfers to Fiji

Which travel card, debit card or credit card?

Since there are currently no travel cards on the market that allow you to hold and spend FJD, consider travel friendly debit cards and credit cards like Visa and Mastercard to finance your trip; which both have wide acceptance on the Fijian Islands.

Travel money options for Fiji at a glance

Travel money optionProsCons
Debit cards
  • Most establishments have ATMs
  • Far cheaper to get cash from an ATM than credit cards
  • $0 account keeping fees with a minimum deposit into your account each month
  • Unlimited free withdrawals on selected banks
  • Currency conversion fees
  • International and local ATM withdrawal fees
  • May not always be accepted
Prepaid travel money cards
  • A safe way to carry money – protected by pin and signature and can easily be cancelled
  • No travel cards currently support FJD
Credit cards for travel
  • Accepted everywhere
  • Some credit cards do not charge a currency conversion fee
  • Chip and PIN offer extra security
  • Potential to earn more reward points
  • International ATM fees and currency conversion fees
  • Cash advances attract interest from the moment of withdrawal
Traveler’s checks
  • Security
  • You will be able to cash traveler’s checks at banks and hotels in Fiji
  • Traveler’s checks are becoming obsolete
  • Will be difficult to cash traveler’s checks in remote areas
Cash
  • Payment flexibility
  • Convenience
  • Best option for smaller islands
  • Difficult to manage expenses
  • Higher risk of theft

This table is a general summary of the travel money products in the market. Features and benefits can vary between cards.

How travel cards, debit cards and credit cards work in Fiji

Debit Cards

Most Fijian merchants are equipped with point of sale terminals, but there will be times when you need to pay cash, especially for smaller transactions. Debit cards are far cheaper to use to get cash from an ATM than credit cards — but watch out for currency conversion fees as well as international and local ATM withdrawal fees.

Credit Cards

The best credit cards to take when traveling to Fiji do not charge a foreign transaction fee when you make purchases or charge for ATM withdrawals — otherwise you may tack on some unnecessary fees. The Barclaycard Arrival Plus World Elite Mastercard particularly stands out because it waives foreign transactions fees and has a 0% interest APR.

If you can, avoid cash advances with your credit card as the fees that come with it can eat your available credit limit quickly.

  • Tip: Other features to think about are complimentary international travel insurance included with mid to high-end cards, like the Simmons Visa®, when you charge the cost of your return travel ticket to your account.

Travel prepaid cards

Unfortunately, no travel cards currently support Fijian dollars. So unless you have a travel card that doesn’t charge a foreign currency conversion fee on unsupported currencies, you could rack up some unnecessary costs.

However, prepaid cards usually come with a supplementary card for emergencies and can be used for ATM withdrawals. So if you can get a card without a currency conversion fee, it could come in handy.

Traveler’s checks

Traveler’s checks are quickly becoming obsolete. But, unlike other places in the world, you’ll be able to cash traveler’s checks at banks and hotels in Fiji — but you’ll have difficulty finding places to cash them in remote areas.

Cash

You’ll be able to use your cards at most businesses in Fijian cities, but if you’re heading to the smaller islands or to remote areas, ensure you have enough cash to last you for the duration of your trip.

Exchanging cash

USD can be easily exchanged to Fijian dollars in Fiji. There are exchange offices at Fiji’s international airports, transport terminals and hotels can exchange dollars as well. Avoid changing money at your hotel if you want to get the best deal. The best rates are available outside of airports, look for exchange offices in tourist areas.

Fiji-dollar

Using ATMs in Fiji

ATMs are common in Fijian cities, but you’ll need to plan ahead and make sure you have enough cash if you’re heading to rural areas. Banks such as ANZ, Westpac and BSP have a presence in Fiji, that allow travelers to access ATMs cheaply on their island vacation.

  • The standard ATM withdrawal fee is about $5 Fijian dollars per withdrawal. Expect to pay double this fee if you’re using a card that charges for international ATM withdrawal or if you’re using an ATM which is not part of your bank’s ATM network.

Compare travel credit cards

Name Product Welcome offer Rewards Annual fee Filter values
Chase Sapphire Preferred® Card
80,000 points after spending $4,000 in the first 3 months, a value of up to $1,000 through Chase Ultimate Rewards
5x points on Lyft, 2x points on travel and dining and 1x points on all other purchases
$95
Earn a huge signup bonus worth $$1,000 with this popular travel card. Combine with other Chase Ultimate Rewards cards for even greater value.
American Express® Gold Card
35,000 points after spending $4,000 in the first 3 months
3x points on directly-booked flights; 4x at restaurants; 4x at US supermarkets on up to $25,000 annually (then 1x points)
$250
Earn up to 4x points on select purchases, a bevy of travel perks, and a welcome offer worth up to $350 with this upper-mid tier travel card. Rates & fees
Chase Sapphire Reserve®
50,000 points after spending $4,000 in the first 3 months
10x points on Lyft rides, 3x points on dining and travel after earning your $300 travel credit and 1x points on all other purchases
$550
Get a generous $300 in annual travel credits, 3x points on travel and dining, and a 50% bonus on point redemptions with Chase's premier card.
Hilton Honors American Express Card
75,000 points after spending $1,000 in the first 3 months
7x points on Hilton Honors purchases, 5x at US restaurants, US supermarkets and US gas stations, 3x on all other purchases
$0
With a massive welcome offer for a no-annual-fee card and up to 7x points at Hilton, this is a solid pick for Hilton fans and occasional travelers. Rates & fees
Luxury Card Mastercard® Titanium Card™
N/A
1x points on all purchases with 2% point value when you redeem for airfare and 1% for cash back
$195
Enjoy unique excursions, privileged access to exclusive events and insider opportunities.
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Camila’s 5-Day Blue Lagoon Wanderer Cruise in Fiji

Case study: Camila's experience

Camila profile photo
Camila

Camila started her trip in Suva before heading across the island to Port Denarau. She joined a cruise which lasted for four nights. The cruise took her to see the sights of the Sacred Islands, Yasawa Islands and Blue Lagoon region before returning her to Port Denarau. She was in Fiji for a week and a half.

What cards did you take with you?

Camilla took these cards with her to Fiji

Why did you take these cards?

Camila took the Capital One 360 debit card because she could use the card to make purchases on the cruise without paying extra for currency conversion, she also used the card to make free ATM withdrawals so she had some cash for spending and gratuities when she was on the cruise.

She paid for her return ticket to Fiji using her Barclaycard to take advantage of the complimentary international travel insurance. She also used the Barclaycard for large purchases because it offers extended warranty and purchase protection through Mastercard’s Zero Liability Protection.

Where could you use your cards?

She says she could use her cards on the cruise to pay for drinks and meals (which weren’t included in the package). She says she could use her Barclaycard card in Suva in more places than not.

Camila says she had to pay cash when she took taxis and when she picked up souvenirs at Suva’s flea markets.

What can you tell us about ATM withdrawals?

Camila says she made a withdrawal at an ANZ ATM using her Capital One 360 card in Suva when she arrived at the airport and was charged a couple of dollars for an ATM operator fee.

What’s your travel money recommendation?

She says take a card like the Barclaycard because it’s accepted almost everywhere (because it’s a Mastercard) and you can earn 2 miles for every dollar you spend.

Do you have any travel money tips for Fiji?

She says some ATMs in the less traveled parts of Fiji are unreliable, so be sure you have extra cash. Camila also says to check whether your hotel charges a credit card surcharge – this can be avoided by using a debit card. Finally she says always pay in the local currency when you’re in Fiji.

Our pick for a prepaid travel card
Travelex Money Card

Buying currency in the US

As a general rule, you’ll get a better rate if you wait to purchase foreign currency when you arrive at your destination. ATM withdrawals use the card rate which is a typically above the market rate. If you do want to buy foreign currency, consider these financial institutions.

  • Tip: Travelex is at most international airports, so you can pick up foreign currency while you wait for your flight.

Why you’ll need a combination of travel money options for Fiji

A mixture of credit and debit cards will let you enjoy your vacation with the least amount of stress. Don’t bother exchanging your cash prior to your trip, ATM withdrawals are easily made at Fiji’s international airports — a card which lets you withdraw and make foreign transactions for cheap is the way to go.

Make sure you have organized your travel beforehand to ensure your island getaway runs as smoothly as possible.

Cash pickup services in Fiji

Min. Transfer Amount Transfer Speed Online Transfer Fee Rate Amount Received Description CTA Details
$1 Within an hour USD 3.99 2.104 FJD 2,096 Use promo code 3FREE to send your first 3 transfers with no fee. Send to 110+ countries for bank-to-bank deposit, cash pickup or mobile top-up. Go to site Show details
$1 Same day USD 8.00 2.067 FJD 2,051 Easily transfer cash to more than 350,000 locations around the world. Show details
$1 3 - 5 days USD 20.00 2.062 FJD 2,021 The biggest name in money transfers can get your funds to friends, family, or businesses in almost every corner of the globe. Show details

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Disclaimer: Exchange rates change often. Confirm the total cost with the provider before transferring money.
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Get travel insurance quotes for your vacation in Fiji

Name Product Trip Cancellation Emergency Medical Expenses Baggage Coverage Trip delay
Allianz Travel OneTrip Emergency Medical Plan
$50,000
$2,000
$1,000
Budget-friendly policy designed for international and domestic travelers who want medical protection. Trip cancellation and trip interruption not included.
Allianz Travel AllTrips Basic Plan
$20,000
$1,000
$600
Annual policy that offers affordable protection, but doesn't include trip cancellation or trip interruption.
Travelex Travel Basic
100%
$15,000
$500
$500
Essential travel coverage — with the option to customize — that can protect the cost of your trip.
Travelex Flight Insure
$10,000
$1,000
$100
Protect the cost of your flight and choose the coverage amount that meets your needs — trip delay protection included.
RoamRight Essential Travel Insurance Plan
100%
$15,000
$750
$500
Basic policy with coverage that includes trip cancellation insurance, tourist health insurance and baggage insurance.
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