Do I need cash in St. Maarten?

The US Dollar is accepted everywhere on the island. Local currency and US Dollar ATM machines (Maestro/Cirrus) are situated throughout the island. Major credit cards are accepted in most tourist establishments.



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The euro is used in the North (in St. Martin). Despite having two different official currencies, the US Dollar is accepted on both sides, with St. Maarten using the US Dollar the most.

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There are no restrictions but amounts over ANG20,000, or equivalent, must be declared.

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In St Maarten, divided between the Dutch side (St Maarten) and the French side (St Martin), both the US Dollar and the Euro are valid forms of payment. The US Dollar is widely recognized on both sides, offering convenience to most travelers, whereas the Euro is the official currency on the French side.

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Money in St. Maarten/St. Martin
  1. ATMs. The easiest and best way to get cash away from home is from an ATM. ...
  2. Traveler's Checks. Traveler's checks are widely accepted on all three islands. ...
  3. Credit Cards. Major credit cards are widely accepted on all three islands. ...
  4. What Things Cost in St. Maarten/St.


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The US Dollar is accepted everywhere on the island. Local currency and US Dollar ATM machines (Maestro/Cirrus) are situated throughout the island. Major credit cards are accepted in most tourist establishments.

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When dining out, it is normal to tip on St. Maarten/St. Martin. Before you leave a tip, check the bottom of the menu or your bill as some establishments automatically add on a 15% Service Charge.

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VERDICT: If you want more calm and laid-back properties, stay on the French side. If you want convenience and easy access to nightlife, stay on the Dutch side.

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English is the most commonly spoken language along with a local dialect. The official languages are French for Saint-Martin, and both Dutch and English for Sint Maarten.

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No. As of August 1, 2022, Saint Martin no longer has COVID entry requirements for any travelers. There are NO testing or vaccine requirements.

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Yes, this is all legal in Dutch St. Maarten.

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A famous jet-set getaway, Sint Maarten is known as one of the more expensive islands in the Caribbean. Gary Meenaghan proves it's possible for a family to stay, and enjoy, for a month without breaking the bank. Almost as soon as I paid for the flights, I realized my mistake.

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Upon arrival in Sint Maarten, you must have: a U.S. passport valid for the duration of your stay; a completed Embarkation and Disembarkation Card (ED-Card).

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Zika, dengue fever and chikungunya are all present in Sint Maarten, so take care to avoid mosquito bites. Use a reliable insect repellent and wear clothing that covers as much skin as possible. Sleep in air-conditioned accommodations or under a net if possible.

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The official local currency is the Antillean guilder (ANG) and has been fixed to the US Dollar at approximately 1.80 ANG to 1USD for over 35 years. The US Dollar is accepted everywhere on the island. Local currency and US Dollar ATM machines (Maestro/Cirrus) are situated throughout the island.

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While credit cards are easy to carry and more secure than cash, you should always have some local cash on you when traveling. It's just good sense. Besides the fact that some local shops and vendors won't accept credit cards, having some cash provides a safety net in case your bank shuts off your card for any reason.

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