Travel money Fiji 2021: How to pay & how much to bring

Finder is committed to editorial independence. While we receive compensation when you click links to partners, they do not influence our content.

Travel money guide: Fiji

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

Updated

Fact checked
Get credit card suggestions Compare travel cards
Exchange currency online Compare cash pickup

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.

Our picks for traveling to Fiji

American Express® Gold Card logo

Our pick for travel credit card

American Express® Gold Card

★★★★★
Finder rating: 4.6/5
Transferwise Multi-currency logo

Our pick for multi-currency debit card

Transferwise Multi-currency

★★★★★
Finder rating: 4.5/5
SoFi Money logo

Our pick for 0% transaction fee debit card

SoFi Money

★★★★★
Finder rating: 4.6/5

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.

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.

These are your options for spending money in Fiji

Using a credit card

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.
Pros
  • Accepted everywhere
  • Some credit cards do not charge a currency conversion fee
  • Chip and PIN offer extra security
  • Potential to earn more reward points
Cons
  • International ATM fees and currency conversion fees
  • Cash advances attract interest from the moment of withdrawal

Using a debit card

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.

Pros
  • 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
Cons
  • Currency conversion fees
  • International and local ATM withdrawal fees
  • May not always be accepted

Using a prepaid travel card

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.

Pros
  • A safe way to carry money – protected by pin and signature and can easily be cancelled
Cons
  • No travel cards currently support FJD

Paying with cash in Fiji

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.

  • Tip: 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.
Pros
  • Payment flexibility
  • Convenience
  • Best option for smaller islands
Cons
  • Difficult to manage expenses
  • Higher risk of theft

Using 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.

Pros
  • Security
  • You will be able to cash traveler’s checks at banks and hotels in Fiji
Cons
  • Traveler’s checks are becoming obsolete
  • Will be difficult to cash traveler’s checks in remote areas

Compare travel credit cards

Name Product Welcome offer Rewards Annual fee Filter values
American Express® Gold Card
60,000 points after spending $4,000 in the first 6 months
4x at restaurants including delivery and Uber Eats; 4x at US supermarkets on up to $25,000 annually (then 1x points) and 3x points on directly-booked flights
$250
Earn up to 4x points on select purchases, a bevy of travel perks, and a welcome offer worth up to $600 with this upper-mid tier travel card. Terms apply, see rates & fees
Chase Sapphire Preferred® Card
60,000 points after spending $4,000 in the first 3 months, a value of up to $750 through Chase Ultimate Rewards. Plus up to $50 statement credit towards groceries.
5x points on Lyft, 2x points on up to $1,000 on groceries until April 30, 2021, 2x points on travel and dining and 1x points on all other purchases
$95
Earn a signup bonus worth $750 plus up to $50 statement credit towards groceries with this popular travel card.
The Platinum Card® from American Express
75,000 points after spending $5,000 in your first 6 months, plus 10x points at US gas stations and US supermarkets on up to $15,000 in combined purchases in the same timeframe
10x points at US gas stations and US supermarkets on up to $15,000 combined in the first 6 months, 5x points on directly-booked flights on up to $500,000 annually, then 1x points after that and on other purchases
$550
One of the most valuable premium travel cards, featuring two welcome offers worth up to $4,500, multiple travel credits and unrivaled lounge access. Terms apply, see rates & fees
loading

Compare up to 4 providers

Back to top

Fijian currency

The money used in Fiji is called the Fijian Dollar (FJD). It comes in denominations of 5, 10, 20, 50, and 100 notes.

Fijian 5 Dollars banknoteFijian 10 Dollars banknoteFijian 20 Dollars banknote
Fijian 50 Dollars banknoteFijian 100 Dollars banknote

The main banks in Fiji are:

  • ANZ Bank
  • Bank of Baroda
  • Bank of South Pacific (BSP)
  • BRED Bank
  • HFC Bank
  • Reserve Bank of Fiji (RBF)
  • Westpac Bank

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.

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.

Live Rate

= FJ$ 2.0451

Refreshing in: 60s | Mon, Mar 08, 12:28PM GMT

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.
Find ATMs in Fiji

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 72.951 INR 72,660 WorldRemit sends money to 110+ countries for bank-to-bank deposits, cash pick-ups or mobile top-ups. Go to site Show details
$10 Within an hour USD 1.99 71.851 INR 71,708 Special offers like free transfers and better exchange rates available for new customers.
Remitly has quick, affordable transfers around the world, with both express and economy options.
Go to site Show details
$1 Within an hour USD 8.00 71.668 INR 71,094 MoneyGram has fast cash pick-up transfers to more than 350,000 agent locations worldwide. Show details
$1 3 - 5 days USD 20.00 71.484 INR 70,055 Western Union sends money online to friends and family in 200+ countries around the world. Show details

Compare up to 4 providers

Disclaimer: Exchange rates change often. Confirm the total cost with the provider before transferring money.

How much should I budget to travel in 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. All prices are in US dollars.

Budget Mid-range Expensive
AccommodationHostel dorm
$8 per night
2-star hotel
$40–$120 per night
5-star hotel
$200–$1,500 per night
MealsPizza/tapas
$6
Indian restaurant
$15 per person
5-star restaurant
$25 per dish
ActivitiesVisit 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

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.

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.

Compare travel insurance policies

Back to top

Our latest travel deals to Fiji

PricelinePriceline

Paul Gauguin Cruises from $385/night: Fiji, Tahiti, French Polynesia, Cook Islands and more

Exclusive DOUBLE Offer: Get up to $2,000 Back - T&Cs apply

Last verified

Expedia.comExpedia.com

Cheap Fiji flights from $784 return

Book flights to Nadi, Fiji with American Airlines, Fiji Airways, Virgin Australia, Hawaiian Airlines, Qantas and more.

Last verified

More guides on Finder

Ask an Expert

You are about to post a question on finder.com:

  • Do not enter personal information (eg. surname, phone number, bank details) as your question will be made public
  • finder.com is a financial comparison and information service, not a bank or product provider
  • We cannot provide you with personal advice or recommendations
  • Your answer might already be waiting – check previous questions below to see if yours has already been asked

Finder.com provides guides and information on a range of products and services. Because our content is not financial advice, we suggest talking with a professional before you make any decision.

By submitting your comment or question, you agree to our Privacy and Cookies Policy and finder.com Terms of Use.

Questions and responses on finder.com are not provided, paid for or otherwise endorsed by any bank or brand. These banks and brands are not responsible for ensuring that comments are answered or accurate.
Go to site