Want to avoid last-minute ATM runs. Do most hostels in Turks and Caicos Islands take card payments at check-in
Hostels and budget guesthouses in Turks and Caicos operate on tight margins - they often prefer cash, and some actively discourage card payments. It’s not about tech limitations, it’s just economics. If they do accept cards, they’ll usually charge a service fee. Bigger hotels and resorts are card-friendly, but if you’re staying somewhere smaller, it’s best to come prepared with cash, especially if you’re arriving outside of banking hours.
I stayed at two different hostels while working remotely - one in Leeward and another closer to Grace Bay. Both technically accepted card payments, but only one actually had a working machine. I paid cash at the other and was glad I brought extra USD. ATMs aren’t hard to find, but can charge $5+ per withdrawal. To stay chill, have backup cash in hand for check-in, even if you booked online.
Booked a small guesthouse in Providenciales, and although they said they accepted cards, when I arrived, they asked for full payment in cash because their terminal was “down.” I had to walk 15 minutes to find a working ATM. Most budget accommodations prefer cash or charge extra for card use. You’ll avoid a lot of stress by bringing enough cash to cover check-in - then top up later if needed.
Stayed at a budget place just outside Grace Bay - they took card, but the POS machine was offline when I checked in, so I had to pay cash. They warned me beforehand via email, so I’d say always ask in advance. Some places add a 3-5% card fee too. If you don’t want to end up hunting for an ATM after a long flight, carry at least a day or two’s worth of cash.