Travelling soon and looking for best ATMs in Niue that work well with foreign debit/credit cards and dont charge crazy fees. Any recos will be highly appreciated.
If you’re backpacking or doing the hostel thing on Niue, definitely arrange your cash in advance. I found out the hard way at Taloa Heights Hostel-no ATMs available at all, so you need to visit Kiwibank in Alofi for withdrawals, Withdrawal limit depend on your card issuer, not the bank. Most places, including local markets and food stalls, are cash-only, so don’t plan on surviving with cards or mobile payments around the island.
For those who value straight facts: banking here is handled solely at the local Kiwibank branch, and their over-the-counter cash withdrawal fees for foreign cards are 2% to 5%. No ATMs anywhere on Niue, and you’ll want to check with your issuing bank for your withdrawal limits. When I stayed at Scenic Matavai Resort, staff confirmed everyone does their cash runs at Kiwibank, and there’s often a line up just before weekends or holidays, so get there early if your schedule is tight.
Wish I’d known before-Niue is old-school and completely ATM-free. The only spot for foreign travelers to get cash is the Kiwibank counter in town, near the Crazy Uga Café. Transaction fees range between 2% and 5% and you can only withdraw up to your card’s own daily limit. I recommend bringing a good stash of cash from NZ, as all the whale tours and car rental operators are cash preferred and banking hours aren’t the most convenient for tourists.
Heads up for anyone visiting Niue: there are no ATMs on the island! The only way to get cash is from the Kiwibank branch in Alofi, and fees vary from 2% to 5% depending on your card and withdrawal amount. I found this out on arrival, so my advice is to bring enough New Zealand dollars with you or plan to queue at the bank. Limits depend on your own card rather than any ATM setting, so check what your bank allows before your trip.