Fiji Currency Guide
Complete information about money, exchange rates, and budgeting for your Fiji vacation
Understanding the financial aspects of traveling to Fiji helps ensure a smooth and enjoyable vacation. This guide covers everything you need to know about the Fiji Dollar, where to exchange currency, how to access your funds, and realistic budgeting for different travel styles.
Understanding the Fiji Dollar
The official currency of Fiji is the Fiji Dollar, denoted as FJD or F$. The currency uses coins in denominations of 5, 10, 20, and 50 cents, plus $1 and $2 coins. Banknotes are available in $5, $10, $20, $50, and $100 denominations.
Current Exchange Rates
US Dollar
1 USD ≈ 2.25 FJD
Australian Dollar
1 AUD ≈ 1.50 FJD
New Zealand Dollar
1 NZD ≈ 1.35 FJD
Exchange rates fluctuate regularly. Check current rates before your departure and monitor them during your stay for the best value.
Where to Exchange Money
Choosing the right place to exchange currency can significantly impact your travel budget. Banks typically offer competitive rates, while convenience options like hotels charge premium fees.
Banks and Financial Institutions
ANZ Bank, Westpac, and BSP (Bank of South Pacific) maintain branches throughout Fiji and consistently provide favorable exchange rates with transparent fee structures. Banking hours typically run from 9:30 AM to 4:00 PM on weekdays.
- ▸ANZ Bank: Widespread presence in major towns with competitive rates
- ▸Westpac: Available across both main islands
- ▸BSP: Local institution with extensive network
Convenient but Costly Options
Airport exchange counters operate 24/7 and provide immediate access to local currency, though rates typically include a 5-10% premium over bank rates. Hotels and resorts offer exchange services but should be considered only for emergency situations due to unfavorable rates.
Services to Avoid
Never exchange money with street vendors or unlicensed operators. These transactions carry significant risk of fraud and counterfeit currency. Resort gift shops occasionally offer exchange services at extremely poor rates and should be avoided.
ATMs and Card Payments
ATM Availability
ATMs are readily available in Nadi and Suva, with 24-hour access at most locations. Smaller towns have limited machines, while remote islands may have none at all. Plan accordingly by withdrawing sufficient cash before traveling to outer islands.
ATM Transaction Details
- Daily withdrawal limit:FJ$500-800
- Local ATM fee:FJ$3-5
- Your bank may charge additional fees(check before departure)
Credit and Debit Cards
Visa and Mastercard are widely accepted at hotels, restaurants, and larger shops throughout Fiji. American Express is accepted primarily at upscale resorts and hotels. Contactless payment technology is available in urban areas and major tourist destinations.
Important Note:
Cash remains essential for local markets, small vendors, taxis, and village visits. Many authentic cultural experiences and budget-friendly options only accept cash payments.
Budgeting for Your Trip
Fiji accommodates all budget levels, from backpackers to luxury travelers. These estimates help you plan realistic daily expenses based on your preferred travel style.
Budget Travel
FJ$80-120
per person, per day
Mid-Range
FJ$200-350
per person, per day
Luxury
FJ$500+
per person, per day
What Things Cost in Fiji
Understanding typical prices helps you budget accurately and avoid surprises. These are average costs as of 2025.
Food and Beverages
Activities and Transport
Money-Saving Strategies
Accommodation Savings
Booking three to six months in advance often yields early bird discounts of 15-30% at resorts and hotels. Package deals combining flights and accommodation frequently offer better value than separate bookings. Traveling during shoulder seasons (May-June and September-October) provides lower rates and fewer crowds.
Consider homestay experiences for authentic cultural immersion at budget-friendly prices while supporting local communities.
Food and Dining
Local markets like Suva Municipal Market and Lautoka Market offer fresh produce, prepared foods, and local specialties at a fraction of restaurant prices. Self-catering accommodations with kitchen facilities enable significant savings on food costs.
Many resorts offer happy hour specials with discounted drinks and appetizers. Eating where locals eat, particularly Indian and Chinese restaurants in towns, provides excellent value without compromising quality.
Activities and Experiences
Fiji offers numerous free activities including public beaches, coastal walks, and village visits (with appropriate sevusevu offering). Group tours typically cost less per person than private excursions while providing opportunities to meet other travelers.
Public buses provide an authentic and economical way to explore the islands, costing a fraction of taxi fares. Book tours directly with operators rather than through hotel concierges to avoid commission markups.
Practical Financial Tips
Before Departure
Notify your bank about your Fiji travel dates to prevent card blocks. Verify your daily ATM withdrawal limit and any international transaction fees. Bring a backup payment method in case your primary card has issues. Consider obtaining some Fiji Dollars before arrival to cover immediate expenses without airport exchange premiums.
During Your Stay
Keep sufficient cash for small purchases, local markets, and village visits. Bargaining is culturally acceptable at markets but not in shops with fixed prices. Tipping is not traditionally expected in Fiji but has become more common in tourist areas—5-10% for exceptional service is appropriate.