The currency in the Cook Islands is the New Zealand Dollar (NZD). The Cook Islands also issue their own banknotes and coinage, including the unusual $3 notes and the triangular $2 coins. You cannot change Cook Islands money outside the Cook Islands, so remember to change local notes and coins before you leave, unless you want to keep them as souvenirs.
Banks & money exchange
There are approximately sixteen ATMs around Rarotonga and two on Aitutaki, but no ATM facilities on any of the other islands.
ANZ (Australia and New Zealand Banking Group) and BSP (Bank of South Pacific) have branches in Rarotonga and Aitutaki providing facilities for cash advances on major credit cards and other bank cards issued overseas. The locally-owned BCI (Bank of Cook Islands) have branches throughout the islands.
Most credit cards are accepted in the larger retail outlets and restaurants, but not all shops and restaurants accept cards so if in doubt check in advance.
The banks in Avarua are open Monday to Thursday 9.00am-3.00pm and on Friday 9.00am-4.00pm. Banking facilities are also available at Rarotonga airport for currency exchange and cash withdrawal.
The banks will buy and sell most major world currencies at competitive exchange rates.
You can send, receive and exchange money in the Cook Islands through the Fexco Pacific in Avarua, and the banks.