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.

Compare travel cards for Fiji

Updated October 21st, 2018
Name Product Currency Conversion Fee Annual Fee APR (Annual Percentage Rate) for Purchases
$550
None (Charge Card)
Get 5X Membership Rewards® points on flights booked directly with airlines or with American Express Travel and 5X points on eligible hotels booked on amextravel.com. Rates & Fees
$250
See Rates & Fees
25,000 bonus Membership Rewards® Points when you spend $2,000 in the first 3 months Rates & Fees
None
$0
13.99% variable
A low, variable APR on purchases, balance transfers and cash advances.
None
$95
17.74% to 26.74% variable
Earn 125,000 Hilton Honors™ Bonus Points after you spend $2,000 or more in purchases with your new Card within the first 3 months of Card Membership. Rates & Fees
$0
17.74% to 26.74% variable
Earn 75,000 Hilton Honors™ Bonus Points after you spend $1,000 in purchases on the Card within your first 3 months of Card Membership. Rates & Fees
$0 annual fee for the first year ($95 thereafter)
17.74% to 26.74% variable
30,000 bonus miles after you use your new card to make $1,000 on purchases within the first 3 months. Rates & Fees
$0 annual fee for the first year ($95 thereafter)
17.74% to 26.74% variable
Enjoy a $0 annual fee on the first year and earn up to 2 Starpoints® for every dollar of eligible purchases. Rates & Fees
None
$195
16.99% variable
Enjoy unique excursions, privileged access to exclusive events and insider opportunities.
None
$495
16.99% variable
Mastercard Black Card members receive an annual $100 air travel credit toward flight-related purchases including airline tickets, baggage fees, upgrades and more.
None
$995
16.99% variable
Earn points every time you spend. Luxury Card enhances your purchasing power by providing you with one (1) point for every one dollar ($1) you spend. Every purchase gets you closer to the rewards you want.
None
$0
16.99% to 24.99% variable
An intro offer rewards cardholders with a $250 value (25,000 online bonus points) after spending $1,000 within the first 90 days of account opening
None
$0 annual fee for the first year ($95 thereafter)
17.74% to 24.74% variable
Earn 50,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $625 toward travel when you redeem through Chase Ultimate Rewards®
None
$450
17.74% to 24.74% variable
Earn 50,000 BONUS POINTS after spending $4,000 on purchases in the first 3 months from account opening* — that's $750 toward travel when you redeem through Chase Ultimate Rewards®.

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
    Seven Corners Trip Protection Insurance
    Seven Corners Trip Protection Insurance
    Travel with a smile - protect your trip cost, your medical expenses, & your belongings.
    • Emergency Accident & Sickness Medical Expenses up to $250,000
    • Trip Cancellation – 100% of Trip Cost
    • Trip Interruption – up to 150% of Trip Cost
    • Political Evacuation - $20,000
    • Lost, Stolen or Damaged Baggage – up to $2,500
    • Emergency Medical Evacuation – up to $1 million
    Go to site More info
    Travelex Travel Max
    Travelex Travel Max
    TravelEx's most comprehensive protection plan for the comprehensive traveler. Offers optional Cancel For Any Reason upgrade.
    • Trip Cancellation - 100% of Insured Trip Cost
    • Trip Interruption - 150% of Insured Trip Cost
    • Trip Delay - $1000
    • Medical Expense Benefits - $100,000
    Go to site More info
    RoamRight Travel Insurance Essential
    RoamRight Travel Insurance Essential
    RoamRight’s Essential travel insurance package can be broken down into three critical parts: Trip Cancellation insurance, tourist health insurance, and baggage insurance.
    • Cancellation Cover - 100% Cost of Trip
    • Emergency Medical Expenses - $15,000
    • Emergency Evacuation and Repatriation - $150,000
    • Baggage and Personal Effects Cover - $750
    Go to site More info
    STA Travel Standard International
    STA Travel Standard International
    Get affordable cover for the essentials of options with STA's mid-level cover policy. This option will still provide up to $1500 in luggage cover and up to $100,000 in medical cover.
    • Trip Cancellation Cover - 100% of trip cost insured up to $10,000
    • Emergency Medical Expenses Cover - Up to $100,000
    • Baggage and Personal Effects - Up to $1,500
    • Trip Delay - Up to $500
    Go to site More info
    RoamRight Travel Insurance Preferred
    RoamRight Travel Insurance Preferred
    As the name implies, the Preferred package provides coverage for most trips and vacations.
    • Cancellation Cover - 100% Cost of Trip
    • Emergency Accident & Medical Expenses - $50,000
    • Emergency Evacuation and Repatriation - $500,000
    • Accidental Death and Dismemberment - $10,000
    Go to site More info
    Travelex Cancel for Any Reason
    Travelex Cancel for Any Reason
    Cancel For Any reason upgrade available with the Travel Max plan. Cancel for any reason - no questions asked.
    • Reimburses up to 75% of the insured trip cost
    • 100% cover if delayed to departure and loose at least 30%
    Go to site More info
    Atlas Travel
    Atlas Travel
    Provides customizable coverage for specific losses. Cover can be tailored to provide a balance between the basic essentials and premium cover.
    • Illness and Injury Cover - Up to $1 million
    • Emergency Medical Evacuation - Up to $1 million
    • Lost Checked Luggage - Up to $500
    • Travel Delay - $100/day up to 2 days
    Go to site More info
    Atlas Premium
    Atlas Premium
    Provides quality cover for a range of benefits with higher cover limits. Premium plan is perfect for travellers with health concerns looking for total protective cover.
    • Illness and Injury Cover - Up to $2 million
    • Emergency Medical Evacuation - Up to $1 million
    • Lost Checked Luggage - Up to $1,000
    • Travel Delay - $200/day up to 2 days
    Go to site More info
    Travelex Flight Insure Plus
    Travelex Flight Insure Plus
    Provides option to choose between different levels of flight insurance protection.
    • Flight Accident AD&D - Up to $1 Million
    • Baggage - $2,000
    • Medical Expense Benefits - $2,500
    • Medical Evacuation / Repatriation - $25,000
    Go to site More info
    STA Travel Explorer Plus
    STA Travel Explorer Plus
    Get premiere cover for a whole range of options with STA's premium policy. This option will still provide up to $100,000 in medical expense cover and up to $3,000 in cancellation cover.
    • Trip Cancellation Cover - $3,000
    • Emergency Medical Expenses Cover - Up to $100,000
    • Baggage and Personal Effects - Up to $2,500
    • Trip Delay - Up to $1,000
    Go to site More info
    Allianz Domestic Travel Insurance
    Allianz Domestic Travel Insurance
    Allianz Domestic Travel Insurance makes sure you are covered incase your planned trip unexpectedly goes awry.
    • Trip coverage - Depends on plan
    • Baggage coverage - Up to $1,000
    • 24-hour hotline assistance
    • Existing medical coverage - Up to $500,000
    Go to site More info
    Allianz International Travel Insurance
    Allianz International Travel Insurance
    If you frequently travel abroad and want extra coverage in case you get sick, injured, or need to cancel your trip, Allianz International Travel Insurance is the perfect solution.
    • Trip coverage - Depends on plan
    • Baggage coverage - Up to $1,000
    • 24-hour hotline assistance
    • Existing medical coverage - Up to $1,000,000
    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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