When planning your stay in the Bahamas, it’s good to know that the options for Banks in Harbour Island are fewer compared to Nassau or other large islands. Most banking services are based in Dunmore Town, where visitors and locals can take care of accounts, use ATMs, or handle international transactions. Because there are only a couple of main banks, it’s smart to plan ahead, especially during holidays or busy travel times.
The Royal Bank of Canada (RBC) is the main branch on the island, offering everyday banking, loans, foreign exchange, and ATM services. Scotiabank is another option, especially for those with international accounts, and provides services like credit facilities and wire transfers. Both banks have ATMs that usually accept international cards, though machines can run out of cash on weekends or during peak visitor days. That’s why carrying some U.S. dollars is always a safe choice—they’re accepted everywhere at the same rate as Bahamian dollars.
Beyond the main bank ATMs, there are a few other spots across the island where you can withdraw cash. The most used ATM is at the RBC branch on Bay Street in Dunmore Town, which accepts most international cards. Another convenient option is inside Valentine’s Resort & Marina, especially handy for guests and boaters. Visitors coming by ferry from Eleuthera can grab cash right away at the smaller ATM near Government Dock. If you’re staying toward the southern side of the island, the ATM at Romora Bay Resort & Marina is another useful option for yacht guests or anyone nearby.
The Harbour Island Guide notes that banks open Monday through Thursday from 9:30 AM to 3:00 PM, and until 4:30 PM on Fridays. Banks stay closed on weekends and public holidays, so plan withdrawals before then. While credit cards work at most restaurants, shops, and hotels, smaller businesses like golf cart rentals, cafés, taxis and tips may prefer cash. Bigger purchases such as property or boats are usually done by wire transfer, though fees can be higher than in the U.S.
During holidays or events like regattas, ATMs on the island may temporarily run out of cash. To avoid stress, bring some cash from Nassau or Eleuthera before your trip. Also, be aware that international transaction fees may apply depending on your bank. ATMs generally dispense Bahamian dollars, but U.S. dollars work everywhere just the same.
With a little planning and by using a Harbour Island Guide, managing money on the island is simple. Carrying a small cash reserve and making ATM withdrawals early in your trip ensures you won’t run into issues during your stay.
