You'll want to have some cash on you when you're in Fiji. While cards are accepted in tourist areas and in the bigger urban areas, smaller places will expect cash, and you won't always be able to find an ATM if you're off the beaten track.
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A credit card is your best bet for making purchases in Fiji, and one without foreign transaction fees can save you from extra expenses.
It is cheaper to exchange money at the bank (or by using an ATM) than the airport. That's because currency exchange stores and kiosks at the airports mark up the exchange rate to make a profit. They know that travelers who just got off a plane probably need money right away.
Advantages of using cashIf your spending discipline breaks down when you use credit cards, cash may be a better choice while you let loose on vacation. No foreign transaction fees: Many credit cards charge an extra fee of up to 3% on purchases made outside the country, although you can find cards that don't.
You may bring large sums of money with you in the form of cash, money order, or traveler's checks. There is no maximum limit, however, any amount exceeding $10,000 USD must be declared upon arrival on both the Form 6059B and FinCEN 105. All forms must be filled in completely and truthfully.
As stated earlier, traveling into or out of the United States requires you not to exceed $10,000 in cash without informing the CBP. For travelers going in and out of Canada, the amount carried in cash can only equal or exceed $10000 if you have to declare to the authorities how much cash you have.