Is it safe to withdraw cash in Niue or not?
Withdrawing after 7 PM isn’t common here - most people are home by then. I made my transaction at 4 PM and didn’t return. ATM safety isn’t an issue, but availability definitely is in Niue.
The island is safe, but access is the challenge. The ATM was offline two evenings in a row due to weather. I’d suggest arriving with cash or withdrawing on your first day while the bank is open - even better if during business hours.
I stayed in a guesthouse 5 minutes from the bank. There’s no real nightlife, so the ATM area is deserted after sunset. No crime vibe, just silence. Bring cash or make withdrawals while shops are still open.
Niue has only one ATM - at the Kiwibank inside the only bank in Alofi. I withdrew money during the day, and when I passed by again at night, the whole area was pitch dark. Withdrawing money in Niue after dark is technically possible, but totally unnecessary.