$500/per person for the week is good estimate. Like you, we prefer to put as much as we can on the card, but take plenty of cash and if you bring it home, that's a bonus!! If you plan to eat at Flamingo's (the curry grouper and rum punch are great!!) they are cash only.

While the U.S. Dollar is the official currency and credit cards are widely accepted at major resorts and high-end restaurants in 2026, carrying cash is essential in Turks and Caicos. You should plan to have at least $50 to $100 per day in small bills ($1, $5, and $10) for specific services. Taxis almost exclusively require cash, as do many small local boutiques, beach vendors, and "mom-and-pop" eateries outside the main Grace Bay hub. If you are visiting "sister islands" like North or Middle Caicos, you will need significantly more, as ATMs are nearly non-existent there. It is a "pro-tip" to bring your cash with you rather than relying on local ATMs, which in 2026 are frequently out of service or have long queues. Always have enough to cover a meal and a ride back to your hotel in case of the common "system offline" card reader issues that occur due to local IT or power fluctuations.