Travel Money Guide: Fiji

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.

• Travel Credit Cards
• Travel Debit Cards
• Prepaid Travel Money Cards

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Name	Product AUCCF	Interest-free period	Purchase rate p.a.	Annual fee
NAB Rewards Signature Card NAB Rewards	Foreign currency conversion fee 0%	Up to 44 days on purchases	Purchase rate p.a. 20.99%	Annual fee $288	Go to siteMore Info Compare	loading Fetching your data...
Westpac Lite Card	Foreign currency conversion fee 0%	Up to 45 days on purchases	Purchase rate p.a. 9.9%	Annual fee $108	Save with 0% foreign transaction fees, a low interest rate on purchases and cashback offers through Westpac Extras.	Go to siteMore Info Compare	loading Fetching your data...

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Name	Product AUFSA-TXA	Card access	Own network ATM fee	Monthly Account Fee	Internatonal ATM Fee	Foreign transaction fee
HSBC Everyday Global Account Finder Award		Visa	$0		$0	0%	Earn 2% cashback on tap and pay purchases.	More Info Compare	loading Fetching your data...
ING Orange Everyday Account		Visa	$0		$5	3%	Receive a rebate on any international transaction fees and international ATM fees when you deposit at least $1,000 a month and make at least 5 card purchases.	Go to siteMore Info Compare	loading Fetching your data...

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Name	Product AUFTM	Available Currencies	ATM Withdrawal Fee	Initial Load Fee	Reload fee
Wise Travel Money Card		AUD,USD,CAD,EUR,GBP,JPY,NZD,SGD	2 free ATM withdrawals per month up to AUD$350, then AUD$1.50 and 1.75% per withdrawal	$0	$0		Hold and spend funds in more than 40 currencies, with competitive exchange rates and $0 fees for the first 2 ATM withdrawals (up to AUD$350) per month.	Go to siteMore Info Compare	loading Fetching your data...
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 (via online) or $0 (via branch)	$0		More Info Compare	loading Fetching your data...

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What's in this Fiji travel money guide?

• How many dollars do I need to bring to Fiji?
• Exchange rate history
• Travel money options for Fiji at a glance
• How travel cards, debit cards and credit cards work in Fiji
• Paying with cash in Fiji
• Using ATMs in Fiji
• Camila's 5-Day Blue Lagoon Wanderer Cruise in Fiji
• Why you'll need a combination of travel money options for Fiji
• Travel insurance for Fiji

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
	Hostel dorm starting at $10 AUD per night	2 star hotel $50 - $150 AUD per night	5 star hotel$250 - $2,000 AUD per night
	Pizza/Tapas at a midrange restaurantFrom $8 AUD	Indian restaurant$20 AUD a head	5 star restaurantFrom $30 AUD per dish
	Visit the Suva flea marketFree (plus shopping expenses)	30 minute massage at Suva day spa$30 AUD	4 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.

^{*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

_{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.

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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