Where to Withdraw Cash on St John Virgin Islands

Where to get cash on St John

If you’re wondering where to get cash on St. John, it’s essential to plan ahead. While ATMs are available in Cruz Bay and Coral Bay, they are not located frequently throughout the island and run out of cash, especially during busy times. Many businesses, including taxis and small vendors, are cash-only, so carrying enough cash is crucial. Popular ATM locations include the Cruz Bay ferry dock, Mongoose Junction, and Dolphin Market. Be prepared for high withdrawal fees—for example $6 per transaction—plus your bank’s fees. To avoid inconvenience, bring cash with you before arriving on the island, especially in smaller bills for taxis and tips.

Table of Contents

• Why You’ll Need Cash on St. John
• ATM Locations on St. John
• Related Tips: Transportation and Dining
• Conclusion: Plan Ahead for Cash Needs
• FAQs About Getting Cash on St. John

Why You’ll Need Cash on St John

• Many businesses are CASH ONLY.
• ATMs are known to be few and far between on St Johns island. Also they tend to be an unreliable source of cash as the machine may be out of cash.
• For these reasons, bring a stash of your own cash with you before you get on island is a good idea.
• Fees can be high – typically $6 per withdrawal, plus your bank fee on top of that. The large stateside brands of banks don’t exist here so you will be paying about $6 in terminal fees to the bank here, plus whatever your bank stateside charges for the withdrawal.
• Do not expect ATMs at the beaches. That may sound funny to some, but really, people get to the beach then wonder where to find the ATM. We’re a little island and most beaches on St. John are just that, the beach. While some beaches may have amenities, none of the have an ATM.
• If you plan on taking taxis around the island of St John, be sure you have cash, small bills! Traditional taxis don’t exist. Instead they are modified, open-air trucks where the back bed has been modified with seats, so they don’t have point of sale electronic swipe payment systems.
• American Express is rarely accepted at businesses on St. John.
• The accepted form of cash is the U.S. Dollar.

ATM Locations on St John:

• ATM Locations on St John:
  • In the seating area of the Cruz Bay foot ferry (Cruz Bay)
  • Straight off the foot ferry (Cruz Bay, just after you pass Cruz Bay Landing Restaurant, on right side of their building)
  • Straight off the foot ferry (Cruz Bay, head right at the first street and it will directly to the left as you turn on that corner, across from High Tide Restaurant)
  • Parrot Club Casino (Cruz Bay, Wharfside Village)
  • Mongoose Junction (Cruz Bay, Shopping Center)
  • St. Thomas Federal Credit Union (Cruz Bay, free standing ATM on the road – right across from the post office, facing ‘Our Market Smoothies’)
  • Dolphin Market (Cruz Bay, at the traffic circle)
  • Merchants Bank (Cruz Bay, just up the hill from the Dolphin Market)
  • First Bank (Cruz Bay, right next Starfish Market in that Shopping Center)
  • Westin St John Resort Villas (Cruz Bay, lobby of resort – need a pass to get in)
  • Dolphin Market (Coral Bay)
  • Lime Lofts (Coral Bay, 2-story building on left before Skinny Legs)

Related Tips: Transportation and Dining

• Taxis: Mini-vans from the Cyril King Airport or modified open-air trucks are the main form of public transportation, and they only accept cash. Be sure to carry small bills for tips and fares.
• Ferry: To pay online by credit card, go to St. John Ticketing. Skip the line and pay online.
• Dining: Some restaurants and many beachside vendors are cash-only. Plan ahead to avoid inconvenience.
• Beaches: ATMs are not located at or near the beaches, so carry cash for rentals or for food.

Conclusion: Plan Ahead for Cash Needs

To make your trip to St. John stress-free, bring a supply of cash with you before arriving. While ATMs are available, they are limited, unreliable, and charge high fees. Having cash on hand with some small bills will save you time and hassle, especially for taxis, restaurants, and other local businesses that don’t accept credit cards.

FAQs About Getting Cash on St. John

Q: Can I use credit cards on St. John?
A: Many businesses accept credit cards, PayPal or Venmo, but cash is widely preferred. American Express cards are seldomly accepted – so leave home without it. Some require cash.

Q: Are there banks on St. John where I can withdraw cash?
A: The island has local banks like Merchants Bank and First Bank, but they charge high withdrawal fees for non-account holders.

Q: What’s the best way to avoid ATM fees on St. John?
A: Bring cash from home or use a bank card with fee reimbursements.

Q: Are there ATMs near the beaches?
A: No, ATMs are only available in Cruz Bay, Coral Bay, or certain resorts.