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Travel money guide: Fiji

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. Fiji’s currency is the Fijian dollar (FJD), but the Fijian islands accept credit cards, debit cards and cash, and you should have no trouble accessing an ATM during your trip.

A credit card is your best bet for making purchases in Fiji, and one without foreign transaction fees, like the Capital One VentureOne Rewards Credit Card, can save you from extra expenses. Here are all of your options.

Our picks for traveling to Fiji

50+ currencies supported

Wise Multi-currency

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on Wise's secure site

  • 4.33% APY on USD balances
  • $0 signup or subscription fees
  • Withdraw $100 per month for free from ATMs worldwide
  • Send, spend and withdraw 50+ currencies at the live rate
  • Freeze and unfreeze your card instantly

Travel rewards with no annual fee

Capital One VentureOne Rewards Credit Card

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on Capital One's secure site
Terms apply, see rates & fees

  • 20,000 miles (equal to $200 in travel) after spending $500 in the first 3 months
  • Earn unlimited 1.25x miles on all purchases
  • Low intro rates on purchases and balance transfers

Up to 2% cashback

Upgrade Rewards Checking Plus

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on Upgrade's secure site

  • Up to 2% cashback
  • $0 monthly & overdraft fees
  • Up to 4.81% with Performance Savings
  • Get paid up to 2 days early with qualifying direct deposit
  • Member FDIC

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, both of which 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. The Capital One Venture Rewards Credit Card for example doesn’t charge foreign transaction fees and comes with other travel perks as well.

A card with good travel perks like strong mile earning rates or statement credits can go a long way toward helping you save on your travel expenses. Review your travel habits and compare travel cards to find one that best suits your needs.

  • 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

Compare travel credit cards

Explore top debit cards with no foreign transaction fees and travel credit cards by using the tabs to narrow down your options. Select Compare for up to four products to see their benefits side by side.

1 - 5 of 10
Name Product Fee Minimum deposit to open Annual Percentage Yield (APY) Offer
Upgrade Rewards Checking Plus
Finder Rating: 4.3 / 5: ★★★★★
Upgrade Rewards Checking Plus
$0 per month
$0
5.07% on balances of +
1.50% on balances of +
Earn up to 2% cashback rewards on everyday purchases. Pay $0 fees for overdraft, domestic wire transfer and monthly maintenance. Pair with Performance Savings account to earn 5.07% APY. Member FDIC.
SoFi Checking and Savings
Finder Rating: 4.5 / 5: ★★★★★
Bonus
SoFi Checking and Savings
$0 per month
$0
4.50% on balances of $0+
0.50% on balances of $0+
1.20% on balances of $0+
Get up to $250 with qualifying direct deposit. Terms apply. This offer is available until December 31, 2023.
Earn up to 4.50% APY on savings by meeting deposit requirements, and 0.50% APY on checking balances. Members without deposit requirements will earn 0.50% APY on both savings and checking balances. Turn on automatic savings or use the Roundups feature to help you reach your savings goals faster. Get up to $2M of additional FDIC insurance through a network of participating banks.
Chime Checking account
Finder Rating: 4.7 / 5: ★★★★★
Chime Checking account
$0 per month
$0
N/A
Save easily and access your paycheck up to 2 days early with direct deposit. Pay $0 monthly fees, and no minimum balance is required. Access 24/7 support and get daily balance and transaction alerts. FDIC insured.
Acorns Checking
Finder Rating: 3.6 / 5: ★★★★★
Acorns Checking
From $3 per month
$0
N/A
Invest your spare change in real-time and earn up to 10% in bonus investments. Member FDIC.
Quontic Bank High Interest Checking
Finder Rating: 4.3 / 5: ★★★★★
Quontic Bank High Interest Checking
$0 per month
$100
1.10% on balances of $0+
0.01% on balances of $0+
Earn 1.1% APY with qualifying transactions, and pay $0 in monthly or overdraft fees. Access your account with a nationwide network of 90,000+ no-fee ATMs. FDIC insured.
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1 - 5 of 37
Name Product Welcome Offer Rewards Annual fee Filter values
Capital One VentureOne Rewards Credit Card
20,000 miles once you spend $500 on purchases within 3 months from account opening, equal to $200 in travel
Up to 5x miles
$0
Earn 20,000 bonus miles once you spend $500 on purchases within the first 3 months from account opening. See rates & fees
Capital One Venture Rewards Credit Card
Enjoy a one-time bonus of 75,000 miles once you spend $4,000 on purchases within 3 months from account opening, equal to $750 in travel
Up to 5x miles
$95
Earn 75,000 bonus miles once you spend $4,000 on purchases within the first 3 months ​from account opening. See rates & fees
Chase Sapphire Preferred® Card
60,000 points after spending $4,000 in the first 3 months
Up to 5x points
$95
Earn 60,000 points after spending $4,000 in the first 3 months. That's worth $750 when you redeem through Chase Ultimate Rewards.
Capital One Quicksilver Cash Rewards Credit Card
$200 cash bonus after you spend $500 on purchases within 3 months from account opening
Up to 1.5% cash back
$0
More than an unlimited 1.5% cash back card: you'll also earn 5% cash back on hotels and rental cars booked through Capital One Travel (terms apply). See rates & fees
Capital One VentureOne Rewards for Good Credit
Capital One VentureOne Rewards for Good Credit
N/A
Up to 5x miles
$0
The same rewards and $0 annual fee as the Capital One VentureOne Rewards Credit Card, but for those with good credit. See rates & fees
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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. A card provider that waives international ATM fees, like Betterment Checking, can help you save in these cases.

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
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Fijian currency

The Fijian dollar (FJD) 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$ 2.2667

Refreshing in: 60s | Fri, Sep 22, 05:50AM 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. It pays to use a debit card that doesn’t charge international ATM fees as well, like one from Betterment Checking.

  • 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

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.

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