Travel Money Guide: Fiji

Switch off and relax sooner with our top tips on accessing your cash in Fiji.

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Fiji boasts crystal clear waters, white sand beaches and more than 300 islands to explore both underwater and on land. Like any destination, taking the right travel money options with you can help you enjoy the experience more and worry less. Use our guide to find out which combination of travel money products works best, how to access your cash and which travel cards cost less in Fiji.

Make sure you stock up on cash, especially if you're heading to the smaller islands or more remote areas, so that you can buy roadside coconuts, eat outside of your resort and live on "island time".

Compare your travel money options for Fiji

When in Fiji, you'll likely want to sink into your beach chair, drink in hand, and not stress about how to pay for it all. Luckily, you have a few options to choose from including paying with credit cards, accessing funds with a debit card or prepaid travel card and having some cash on hand for smaller purchases.

Name Product Foreign currency conversion fee Interest-free period Purchase rate Annual fee
humm90 Mastercard - Balance Transfer Offer
0%
Up to 110 days on purchases
23.99% p.a.
$99
Get 0% interest on balance transfers for 36 months, with no balance transfer fee. Plus, up to 110 days interest free on purchases.
Bankwest Zero Platinum Mastercard
0%
Up to 55 days on purchases
14.99% p.a.
$0
Get 0% p.a. on balance transfers for 26 months (with a 2% BT fee), ​an ongoing $0 annual fee and 0% foreign transaction fees.
Bankwest Breeze Platinum Mastercard
0%
Up to 55 days on purchases
0% p.a. for 15 months, reverts to 9.9% p.a.
$0 annual fee for the first year ($69 p.a. thereafter)
Get 0% interest on purchases and balance transfers for 15 months, a $0 first-year annual fee and no foreign transaction fees.
NAB StraightUp Card
0%
0% p.a.
$0
Save with 0% interest charges and 0% foreign transaction fees. Plus, $0 monthly fees when you don't use the card or carry a balance.
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$
Name Product Card access ATM Withdrawal Fee Monthly Account Fee Internatonal ATM Fee Foreign transaction fee
HSBC Everyday Global Account
Visa
$0
$0
0%
Special offer: $100 cash bonus for new HSBC customers.
Earn 2% cashback on tap and pay purchases (T&C's apply).
Enjoy no minimum ongoing balance or transaction requirements and the flexibility to hold up to 10 currencies. Apple Pay and Google Pay available.

Great Southern Bank Everyday Snap Account
Visa
$0
$4.50
2.95%
Refund of international ATM withdrawal fees and international card transaction fees (conditions apply).
$0 monthly account fee. Unlimited fee-free everyday transactions.
Apple Pay, Google Pay and Samsung Pay available. Savings Top Up tool automatically transfers to linked savings account.
Citi Global Currency Account
Mastercard
$0
$0
0%
Earn up to 0.75% p.a. interest on your AUD balance.
$0 monthly account fee.
Enjoy one linked debit card to hold up to 10 currencies and receive foreign currencies for free.
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Name Product Available Currencies ATM Withdrawal Fee Initial Load Fee Reload fee
Cash Passport Platinum Mastercard
AUD,USD,CAD,EUR,GBP,HKD,JPY,NZD,SGD,THB,AED
USD $2.50, EUR €2.50, GBP £2.00, NZD $3.50, THB ฿80.00, CAD $3.50, HKD $18.00, JPY ¥260.00, SGD $3.50, AUD $3.50, AED 10.00
$0
$5
Up to 11 currencies on 1 card locked in exchange rates and no load fees.
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Name Product Minimum Order Amount Maximum Order Amount Delivery/Pickup Method Commission Fee
Foreign Xchange Travel Money
$0
$9,999
In Store,Home Delivery
$0
Order multiple currencies in one transaction and have it delivered directly to your door anywhere in Australia. No delivery fee for orders over $1,000. A $10 flat fee applies to orders less than $1,000.
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How many dollars do I need to bring to Fiji?

Fiji can be a cheap destination for travellers looking for a holiday on a shoestring budget. At the same time, a holiday to Fiji can be as expensive as you make it. You can see some examples prices below for different price bands.

Some of the daily costs for a Fiji holiday

Suva Budget Midrange Expensive
to-sleepHostel dorm starting at $10 AUD per night2 star hotel
$50 - $150 AUD per night
5 star hotel$250 - $2,000 AUD per night
to-eatPizza/Tapas at a midrange restaurantFrom $8 AUDIndian restaurant$20 AUD a head5 star restaurantFrom $30 AUD per dish
spaVisit the Suva flea marketFree (plus shopping expenses)30 minute massage at Suva day spa$30 AUD4 night guided trek to the peaks of Fiji inc. food and transportation$850 AUD

*Prices are indicative and subject to change

Exchange rate history

The Australian dollar has been steadily losing value against the Fijian dollar since 2011. It's hard to predict the movements of a currency pair, prepaid travel cards and traveller's cheques allow you to lock in an exchange rate.

YearAverage annual exchange Australian Dollar (AUD) to Fiji Dollar (FJD)
20121.853804
20131.769118
20141.693513
20151.566471
20161.55016
20171.569547

*Exchange rates are accurate as of 3 September 2017

Today's exchange rate AUD to FJD

Which travel card, debit card or credit card?

There are no travel cards which let you hold and spend Fijian dollars. Compare no currency conversion fee prepaid travel cards if you want to take this type of travel money to Fiji. Consider travel friendly debit cards and credit cards to finance your trip. These products are offered by selected financial institutions in conjunction with Visa and Mastercard; which both have wide acceptance on the Fijian Islands.

Travel money options for Fiji at a glance

Travel money optionProsConsiderations
Debit cards for travel
  • Most places have ATM's
  • Debit cards are far cheaper to use to get cash from an ATM than credit cards.
  • $0 account keeping fees when you deposit at least $2,000 into your account each month
  • Unlimited free withdrawals on selected banks
  • Charge a currency conversion fee as well as international and local ATM withdrawal fees
  • You need to pay cash, especially for smaller transactions
Prepaid travel money cards
  • A safe way to carry money – protected by pin and signature and can easily be cancelled
  • No Australian travel cards currently support Fijian dollars
Credit cards for travel
  • Accepted everywhere
  • Bankwest Platinum credit cards and the Latitude 28° Global Platinum Mastercard do not charge a currency conversion fee
  • Some credit cards need a pin to access which gives you extra security
  • Higher rewards points earn rate for purchases made outside Australia
  • Overseas ATM fees and currency conversion fees
  • Cash advances accrue interest from the moment of withdrawal
Traveller's cheques
  • Security
  • You will be able to cash traveller's cheques at banks and hotels in Fiji
  • Traveller's cheques are quickly becoming obsolete
  • Difficulty finding places to cash traveller's cheques in the remote areas
Cash
  • Payment flexibility
  • Convenience
  • Best option for smaller islands
  • More 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

Debit cards let you spend your own money and are far cheaper to use to get cash from an ATM than credit cards. Watch out for the currency conversion fee as well as international and local ATM withdrawal fees, though. Fijian merchants are equipped with EFTPOS terminals, but there will be times when you need to pay cash, especially for smaller transactions. Have a look at the Citibank Plus Transaction Account if you want to save on international transaction fees when you're in Fiji. The Citibank Plus Visa Debit Card can be used to make purchases and withdrawals and you won't pay the fee for currency conversion, the international ATM fee and Citibank don't charge an account keeping fee either.

  • Tip: If you have a card which is part of the Westpac Group, you can avoid the fee for international ATM withdrawals by using Westpac ATMs in Fiji thanks to the Global ATM Alliance.

Credit Cards

Bankwest Platinum credit cards and the Latitude 28° Global Platinum Mastercard do not charge a currency conversion fee when you make purchases or ATM withdrawals in Fiji. Using another account will cost you an additional 3% of the transaction value. However, if you load your own money on the card, using your credit card for a cash advance is not advised. Cash advances don't get interest free days, which usually apply to credit card purchases, and cash advance fees can eat your available credit limit quickly. Other features to think about which will be of benefit on a trip to Fiji include complimentary international travel insurance included with mid to high-end cards when you charge the cost of your return travel ticket to your account. Also look out for rewards cards that have an increased rewards points earn rate for purchases made outside Australia.

  • Tip: If you use your credit card with a positive balance (spending your own money not the banks), you are waiving the card scheme anti-fraud guarantees.

Travel prepaid cards

The perk of a prepaid travel card is usually the advantage of carrying multiple foreign currencies and avoiding currency conversion fees on the one card. Unfortunately, as no Australian travel cards currently support Fijian dollars, they don't hold as much appeal. 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 use.

Traveller's cheques

Traveller's cheques are quickly becoming obsolete. Other forms of travel money provide the advantages of traveller's cheques without the drawbacks. Unlike other places in the world, you will be able to cash traveller's cheques at banks and hotels in Fiji, but you will have difficulty finding places to cash traveller's cheques in the remote areas.

Cash

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

Exchanging cash

Australian dollars 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. Australian banks such as Westpac and ANZ have a presence in Fiji, so these cardholders can access ATMs cheaply on their island holiday. The standard ATM withdrawal fee is about $5 Fijian dollars per withdrawal, expect to pay double this fee if you're using a card with charges for international ATM withdrawal or you're using an ATM which is not part of your bank's ATM network.

Buying currency in Australia

As a general rule, you'll get a better rate if you wait to purchase foreign currency when you arrive at your destination, this includes changing Australian dollars from a bank or a foreign exchange office or by making an ATM withdrawal. ATM withdrawals use the card scheme rate (Visa/Mastercard etc), which is a touch above the market rate. Foreign exchange offices and banks don't include the margin applied by Australian institutions. If you do want to buy foreign cash in Australia, consider these financial institutions.

  • Tip: Travelex and Australia Post have outlets at Australian international airports, so you can pick up foreign cash 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 give you most enjoyment of your holiday. Don't bother taking cash to exchange, and don't change cash in Australia either. You can make ATM withdrawals easily enough at Fiji's international airports — a card which lets you withdraw and spend over the counter for cheap is the way to go.

Your trip to Fiji should be a relaxing one, so make sure you have organised your travel beforehand to ensure your island getaway runs as smoothly as possible.

If you have questions about taking and using travel money in Fiji, get in touch with us using the form at the bottom of the page. We can help with questions about comparing products, but we can't give personal advice.

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Get travel insurance quotes for your holiday in Fiji

warning Finally, some good news! Domestic travel is picking up, so some insurers have started offering cover again 🦘
Just remember, you won't be covered for any pandemic related claims if you do take out domestic travel insurance.
International travel insurance is limited and sometimes unavailable at this point.

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28 Responses

    Default Gravatar
    ShirleyMarch 16, 2016

    A friend is travelling to Fiji from Ghana western Africa, she wants to use an ATM visa card from Ecobank Ghana. Fiji is not on the list of worldwide countries for this bank. Will ANZ Fiji honor this ATM visa card?

      Avatarfinder Customer Care
      SallyMarch 17, 2016Staff

      Hi Shirley,

      Thanks for your question.

      If the card is a Visa, she should be able to use it wherever Visa is accepted.

      However, depending on the card she’s using, your friend might incur currency conversion or transaction fees when using the card in Fiji. As an Australian financial comparison service, it’s difficult for us to confirm how she can use the card without knowing what type of card it is.

      Instead, your friend might be better off contacting the bank’s customer service team to confirm how the card can be used overseas.

      I hope this has helped.

      Cheers,

      Sally

    Default Gravatar
    StaceSeptember 30, 2015

    Hi I am travelling to Fiji in the next few months and was wondering what is the best way to access my money whilst in Fiji.
    I bank with ANZ and have visa debit card but was not sure how I would be best to manage funds whilst over there?
    thanks

      Avatarfinder Customer Care
      SallyOctober 1, 2015Staff

      Hi Stace,

      Thanks for your comment.

      There are a few options available to you when travelling to Fiji, so you would do best to compare your options and make the decision based on your own unique needs. When it comes to cards, you have the option of taking a prepaid, debit or credit card. Unfortunately, no Australian prepaid debit travel cards support Fijian Dollars, so you will most likely want to choose one with low or no currency conversion fees .

      If you’d prefer to have access to a line of credit, you could also consider a credit card that comes with low or no foreign transaction fees and low or no international ATM withdrawal fees.

      Consider how you intend to use your travel card and the fees involved to determine which offers the greatest value for money.

      You can also compare travel money cards. You can select the “Go to site” button of your preferred card to proceed with your application or go through the review pages. You can also contact the provider if you have specific questions. A gentle reminder, please ensure to read through the relevant product disclosure statement and terms and conditions to ensure that you got everything covered before you travel.

      I hope this has helped.

      Thanks,
      Sally

    Default Gravatar
    LynneMay 25, 2015

    Hello
    can I use australian and US dollars in Fiji.
    thanks YOU

      Avatarfinder Customer Care
      SallyMay 25, 2015Staff

      Hi Lynne,

      Thank you for your question.

      If you use US Dollars or Australian Dollars to complete a purchase in Fiji Dollars using a prepaid travel card, debit card or credit card, you will incur a currency conversion fee. This fee will vary depending on your provider.

      I hope this has answered your question.

      Thanks,

      Sally

    Default Gravatar
    SarahMay 12, 2015

    Hi I am travelling to Savusavu in Northern Fiji and I know they have an ANZ bank with ATM there. If I withdraw cash with my ANZ card will I be charged a fee? I also have a Qantas cash card so which is best to use?

    Thank you

      Avatarfinder Customer Care
      SallyMay 14, 2015Staff

      Hi Sarah,

      Thank you for your question.

      Unfortunately, as we do not know your financial position or how you intend to use the card, we are unable to suggest which card may be best for you.
      If you have an ANZ Travel Card, you can access your funds in Fiji via an ANZ ATM. However, you will be charged an ANZ withdrawal fee when you use the card to withdraw cash in a foreign currency. Please be advised that non-ANZ fees and currency conversion fees may also apply.

      You can also access your funds in Fiji if you have access to an ANZ International Access Debit Card. Again, non-ANZ fees and currency conversion fees may apply.

      Although Fiji Dollars (FJD) are not supported by the Qantas Cash Card, you can still use your card anywhere MasterCard is accepted internationally. If you load Australian Dollars (or another supported currency) onto your card and make a purchase in FJD, you will be charged a currency conversion fee of 3%.

      I hope this answered your question.

      Thanks,

      Sally

    Default Gravatar
    TinaMay 11, 2015

    Why should ANZ bank charge you F$2 if you use other bank’s card to withdraw cash from ANZ’s ATMs?

      Avatarfinder Customer Care
      ElizabethMay 11, 2015Staff

      Hi Tina,

      Thanks for your question.

      ATM fees are one of the many ways banks and other financial institutions make money. Some banks have ATM alliances that let you avoid fees by giving you access to a wider range of ATMs both here and overseas – you can read more about ATM fees and charges from our guide. It is important to remember that ANZ is not the only bank that will charge you for using their ATMs, but this is standard practice in Australia for financial institutions and other third-party ATM providers. It is also mandatory that ATMs display the cost of a transaction before you go ahead and withdraw funds.

      I hope this information has helped.

      Thanks,
      Elizabeth

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