ATMs and Banking in the USVI: Where to Get Cash & Banking Tips | Island Hype - All Islands Travel Guide
Complete guide to ATMs, banks, and cash access in the U.S. Virgin Islands. Find ATM locations, understand fees, learn which banks operate on each island, and discover the best ways to access money in St. Thomas, St. John, and St. Croix.
Quick Answer: ATMs are widely available throughout the USVI with no foreign transaction fees since it's U.S. territory. Major banks include FirstBank, Banco Popular, and Scotiabank. Your U.S. debit/credit cards work normally. Most businesses accept cards, but cash is still necessary for small vendors, taxis, and beach bars. Plan to have $100-200 cash on hand.
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USVI Banking Quick Reference
| Bank | St. Thomas | St. John | St. Croix | ATMs | Banking Hours | Best For |
|------|------------|----------|-----------|------|---------------|----------|
| FirstBank | 8 branches | 1 branch | 4 branches | 20+ ATMs | M-F 8:30-4/5pm, Sat 9-1pm | Full banking services |
| Banco Popular | 4 branches | 1 ATM | 3 branches | 15+ ATMs | M-F 8:30-4:30pm | Caribbean-wide banking |
| Scotiabank | 2 branches | None | 1 branch | 8+ ATMs | M-F 9-3pm | International banking |
| Oriental Bank | Limited | None | Limited | Few ATMs | Limited hours | Basic services |
ATM Network: 50
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