Planning your finances before arriving is a smart move, and understanding where and how to access cash or use cards is essential. While credit cards Harbour Island are commonly accepted at most hotels, upscale restaurants, and tour operators, cash remains an important part of daily life, especially for smaller transactions and local vendors.
ATMs are available, primarily located in Dunmore Town, such as at the Royal Bank of Canada (RBC). However, the number of machines is limited, and they can occasionally run out of cash particularly during busy weekends or holiday seasons. U.S. dollars are accepted across the island and are interchangeable with Bahamian dollars, which are dispensed by local ATMs. Still, it’s a good idea to carry smaller denominations like $1s, $5s, and $10s for ease of use with taxis, water taxis, and roadside vendors.
While many businesses do accept credit cards Harbour Island, there are exceptions. Local eateries, market stalls, and golf cart rentals frequently operate on a cash-only basis. Even when cards are accepted, service may be disrupted due to spotty Wi-Fi or temporary power outages. For that reason, having a backup of around $100 to $200 in cash is strongly recommended.
Tipping is customary across the island. Restaurants typically add a service charge, but it's wise to check your bill to confirm. Taxi drivers, housekeepers, boat captains, and other service providers also appreciate gratuities, preferably in cash. Being prepared helps ensure a smooth and respectful interaction with the local community.
For travelers seeking reliable Harbour Island Info, it's worth noting that you don’t need to exchange money into Bahamian currency, though some visitors choose to do so for convenience. U.S. banks may also flag international activity, so notify your card provider before your trip to avoid any payment disruptions. Keeping a balanced mix of cash and card will give you the flexibility to enjoy everything the island has to offer.
Whether you're buying fresh conch salad from a vendor, paying a water taxi, or dining at a fine beachfront restaurant, understanding your money options in advance ensures a stress-free stay. With the right Harbour Island Info, you’ll be fully equipped to navigate the island with ease and confidence.
