Yes, you should definitely bring cash when visiting the Turks and Caicos Islands in 2026. While the official currency is the U.S. Dollar and most large resorts and restaurants accept major credit cards (Visa and Mastercard), cash remains essential for taxis, local craft markets, and small food vendors. Furthermore, the islands are notorious for having a limited number of ATMs, which are often out of service or have high transaction fees. If you are traveling to the "Out Islands" like North, Middle, or South Caicos, cash is practically mandatory, as card processing is frequently offline due to connectivity issues. Carrying smaller bills ($1, $5, and $10) is highly recommended, as local businesses often struggle to provide change for larger denominations like $50 or $100 bills, especially in more remote coastal villages.