If you’re planning a vacation in the Caribbean paradise of St. Martin, understanding which currencies are accepted can make your trip much smoother. Join us in this guide to find out your options and whether you need to exchange your money before embarking on a luxurious experience.
St Maarten from above
Can You Use Euros in St. Martin?
The French side of the island, Saint-Martin, is an overseas collectivity of France. This means that the euro (EUR) is the official currency. In restaurants, shops, and tourist attractions on this part of the island, euros are widely accepted, and prices are often listed in this currency. So, if you’re coming from Europe or have euros, using them on the French side will be convenient.
However, keep in mind that if you decide to cross over to the Dutch side, using euros may not be as efficient, as prices in Sint Maarten are usually in US dollars (USD). Many businesses may accept euros, but the exchange rate may not always be favorable. If you plan to explore both sides of the island, carrying US dollars can be a smart choice.
Dollars
The US dollar (USD) is widely accepted throughout the island, especially on the Dutch side, Sint Maarten. Here, most businesses, from supermarkets to luxury shops, prefer and list their prices in dollars. Even on the French side, although the euro is the official currency, you won’t have trouble paying with US dollars at most tourist spots.
For travelers arriving from the United States, carrying US dollars is the simplest and most cost-effective option. Additionally, dollar bills are preferred by tour operators and luxury services, such as yacht charters and exclusive dining experiences aboard Pyratz Gourmet Sailing.
Beach in St Maritn
The Netherlands Antillean Guilder (ANG)
The Netherlands Antillean Guilder (ANG) is the official currency of the Dutch side, Sint Maarten. However, its use is more common among residents than tourists. Most visitors opt to use US dollars, making the guilder less familiar for travelers.
If you choose to use guilders, they are accepted at banks and local markets, but the exchange rates may not be the most favorable. For tourists, the US dollar remains the preferred currency.
Cryptocurrencies
With the increasing popularity of cryptocurrencies, some luxury businesses in St. Martin have started accepting them as a form of payment. This is especially appealing to those who prefer digital transactions or are invested in emerging financial technologies. However, it’s essential to check in advance whether your service providers accept cryptocurrencies.
Wild beach in St Maarten island
Is MasterCard Accepted in St. Maarten?
Yes, MasterCard, along with other credit cards like Visa and American Express, is widely accepted throughout the island, particularly in tourist areas and luxury establishments. Using your card can be a convenient and safe way to manage your finances while enjoying your vacation without the need to carry large amounts of cash.
However, some smaller shops and local markets might prefer cash payments. Additionally, it’s a good idea to inform your bank about your travels to avoid having your card blocked for suspicious foreign activity.
Other currency in Saint Martin
There are some situations where other types of currency may be accepted in St. Martin, especially in tourist areas or businesses that frequently cater to international visitors. However, these cases are not very common and often involve unfavorable exchange rates.
For example:
Canadian Dollars: Some businesses, particularly in tourist zones, might accept Canadian dollars since St. Martin attracts many visitors from Canada. However, the exchange rate may be less favorable compared to exchanging into US dollars beforehand.
British Pounds (GBP): Similarly, a few establishments may accept British pounds, but this is not typical and could involve an unfavorable exchange rate as well.
Eastern Caribbean Dollar (XCD): Since the Eastern Caribbean Dollar is the official currency of some nearby islands, such as Anguilla and St. Kitts and Nevis, a few businesses might accept this currency, especially if they serve tourists from these islands.
Plane landing in St Maarten island
From All of Them, Which Is the Best Currency to Use in St. Maarten?
For the most convenience during your stay, the US dollar (USD) is the best option. It’s accepted on both sides of the island and is the preferred currency for tourist services and luxury experiences.
Here is a table updated daily with the conversion rates of main currencies:
| Currency | Exchange Rate (to USD) |
|---|
Where to Exchange Currency If Needed?
If you decide to exchange money during your visit, there are several options available. You can do so at local banks, currency exchange offices, or even some airports. For example:
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Local Banks: Banks are a safe option for currency exchange. Some of the well-known banks in St. Martin include:
- FirstCaribbean International Bank: Offers currency exchange services at several branches on both the French and Dutch sides.
- Republic Bank (formerly Scotiabank):They have branches in Sint Maarten and provide currency exchange services for visitors.
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Currency Exchange Offices:
- U.S. Exchange: Located in Philipsburg (the Dutch side), this is a convenient option for exchanging money into US dollars or Netherlands Antillean Guilders.
- Currency Exchange at Princess Juliana International Airport: Upon arrival, you can find currency exchange services at the airport, though the rates may be higher.
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ATMs: ATMs are located throughout the island and allow you to withdraw cash in either the local currency or US dollars. You can find ATMs in:
- Philipsburg (Dutch side) and Marigot (French side), the main towns.
- Supermarkets and shopping centers, where ATMs are accessible 24/7.
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Hotels and Resorts in St Martin: Many luxury hotels offer currency exchange services for their guests. Keep in mind that exchange rates at hotels are often less favorable than at banks or currency exchange offices.
