Travel money guide for Fiji | finder.com

Travel money guide: Fiji

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

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.

Chase Sapphire Reserve®

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  • $300 annual travel credit as reimbursement for travel purchases charged to your card each account anniversary year
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  • $0 foreign transaction fees
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Compare travel cards for Fiji

While on vacation in Fiji, the last thing you want to worry about are foreign transaction fees. So do yourself a favor and take a look at your credit cards. If they charge these fees, consider getting a travel card that doesn’t, and maybe even offers rewards and other great travel perks instead.

Name Product Currency Conversion Fee Annual Fee APR (Annual Percentage Rate) for Purchases
None
$0 annual fee for the first year ($95 thereafter)
17.99% to 24.99% variable
Earn 50,000 bonus points after you spend $4,000 on purchases in the first 3 months.
None
$450
17.99% to 24.99% variable
Earn 50,000 bonus points after you spend $4,000 on purchases in the first 3 months.
None
$0 annual fee for the first year ($89 thereafter)
17.99%, 21.99% or 24.99% variable
Enjoy 70,000 bonus miles after spending $5,000 on purchases in the first 90 days.
None
$0
14.99%, 18.99% or 24.99% variable
Earn unlimited 1.5% cash rewards on purchases. See Rates and Fees.
None
$0
12.99%, 16.99% or 20.99% variable
An 18 months 0%% Intro APR period on both purchases and balance transfers, plus zero foreign transaction fees, makes this is a strong well-rounded card. See Rates and Fees

Compare up to 4 providers

Promoted
Travelex Money Card

Why we like: Travelex Money Card

Load GBP, EUR, CAD, AUD, JPY or MXN onto this prepaid travel money card and use it at millions of locations worldwide.

  • Not linked to your bank account for safety.
  • Convert currency with a 5.50% foreign exchange fee
  • Contactless payments
  • Reload, withdraw, or replace your card for free.

    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-sleep Hostel dorm
    $8 per night
    2-star hotel
    $40–$120 per night
    5-star hotel
    $200–$1,500 per night
    to-eat Pizza/tapas
    $6
    Indian restaurant
    $15 per person
    5-star restaurant
    $25 per dish
    spa Visit 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 option Pros Cons
    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.
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    Camila’s 5-Day Blue Lagoon Wanderer Cruise in Fiji

    Camila’s 5-Day Blue Lagoon Wanderer Cruise in Fiji

    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.
    woman_pineapplefloater_Shutterstock

    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.

    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.

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    Get travel insurance quotes for your vacation in Fiji

    Details Features
    Atlas Premium
    Atlas Premium
    Comprehensive coverage with higher limits and a range of additional benefits.
    • Trip cancellation: Not available
    • Emergency medical expenses: Up to $2,000,000
    • Baggage coverage: $1,000
    • Trip delay: $200/day up to $400
    Go to site More info
    Travelex Travel Max
    Travelex Travel Max
    The most comprehensive protection plan offered by Travelex. Offers optional Cancel For Any Reason upgrade.
    • Trip cancellation: 100% cost of trip
    • Emergency medical expenses: $100,000
    • Baggage coverage: $2,500
    • Trip delay: $1,000
    Go to site More info
    RoamRight Travel Insurance Essential
    RoamRight Travel Insurance Essential
    Coverage includes trip cancellation insurance, tourist health insurance and baggage insurance.
    • Trip cancellation: 100% cost of trip
    • Emergency medical expenses: $15,000
    • Baggage coverage: $750
    • Trip delay: $100/day up to $500
    Go to site More info
    STA Travel Standard International
    STA Travel Standard International
    Affordable coverage for the essentials needed when traveling outside of your home country.
    • Trip cancellation: Not available
    • Emergency medical expenses: $25,000
    • Medical evacuation & repatriation: $250,000
    • Trip delay: $100/day up to $250
    Go to site More info
    RoamRight Travel Insurance Preferred
    RoamRight Travel Insurance Preferred
    Increased limits of coverage, plus trip interruption insurance worth 150% of the trip cost.
    • Trip cancellation: 100% cost of trip
    • Emergency medical expenses: $50,000
    • Baggage coverage: $1,000
    • Trip delay: $200/day up to $1,000
    Go to site More info
    Travelex Cancel for Any Reason
    Travelex Cancel for Any Reason
    Not 100% sure you're going to make your trip? Cancel For Any Reason upgrade is available with the Travel Select plan.
    • Reimburses up to 75% of the insured trip cost
    • Must cancel within 48 hours before scheduled departure
    • Offered on trips with a maximum value of $10,000
    Go to site More info
    Atlas Travel
    Atlas Travel
    Customizable policy that balances between the basic essentials and premium coverage.
    • Trip cancellation: Not available
    • Emergency medical expenses: Up to $2,000,000
    • Baggage coverage: Up to $500
    • Trip delay: $100/day up to 2 days
    Go to site More info
    Seven Corners Trip Protection Insurance
    Seven Corners Trip Protection Insurance
    Comprehensive coverage for the cost of your trip, your medical expenses and your belongings.
    • Trip cancellation: 100% cost of trip
    • Emergency medical expenses: Up to $250,000
    • Baggage coverage: Up to $2,500
    • Trip delay: Up to $1,500
    Go to site More info
    Travelex Flight Insure Plus
    Travelex Flight Insure Plus
    Choose the coverage amount that meets your needs. Baggage and trip delay protection included.
    • Flight accident AD&D: Up to $1,000,000
    • Emergency medical expenses: $10,000
    • Baggage coverage: $1,000
    • Medical evacuation & repatriation: $100,000
    Go to site More info
    STA Travel Explorer Plus
    STA Travel Explorer Plus
    Premiere coverage for a range of travel mishaps with additional riders for sports and other leisure activities.
    • Trip cancellation: $3,000
    • Emergency medical expenses: Up to $100,000
    • Baggage coverage: $500/item up to $2,500
    • Trip delay: $200/day up to $1,000
    Go to site More info
    Allianz Domestic Travel Insurance
    Allianz Domestic Travel Insurance
    Make sure you're covered in case your planned trip unexpectedly goes awry.
    • Trip cancellation: $1,000
    • Emergency medical expenses: Up to $25,000
    • Baggage coverage: Up to $1,000
    • Trip interruption: Up to $1,500
    Go to site More info
    Allianz International Travel Insurance
    Allianz International Travel Insurance
    Customizable coverage that can give you peace of mind when traveling to popular or remote destinations.
    • Trip cancellation: $1,000
    • Emergency medical expenses: Up to $50,000
    • Baggage coverage: Up to $2,000
    • Trip interruption: Up to $1,500
    Go to site More info
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    Kyle Morgan

    Kyle Morgan is a producer for finder.com who has worked for the USA Today network and Relix magazine, among other publications. He can be found writing about everything from the latest car loan stats to tips on saving money when traveling overseas. He lives in Asbury Park, where he loves exploring new places and sipping on hoppy beer. Oh, and he doesn't discriminate against buffalo wings — grilled or fried are just fine.

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