The currency in the Cook Islands is the New Zealand Dollar (NZD), and the Cook Islands also issue their own banknotes and coinage, including the unusual $3 notes and the triangular $2 coins. (You can't change Cook Islands money anywhere in the world so remember to change local notes and coins before leaving unless you want to keep souvenirs.)Cook Islands $3 note Banks & money exchange
There are approximately sixteen ATMs around Rarotonga and two on Aitutaki but no ATM facilities on any of the other islands.Currency indicator into New Zealand dollars
Both ANZ and Westpac have branches in Rarotonga and Aitutaki. These provide facilities for cash advances on major credit cards and any card issued overseas carrying the Cirrus, Plus or Maestro logos.
Foreign ATM cards can be used to withdraw cash but cannot usually be used for purchases in shops or restaurants.
You can use credit cards in most of the larger retail outlets and restaurants.
The Westpac and ANZ Banks in Avarua are open Monday to Thursday 9am-3pm and on Friday 9am-4pm. Banking facilities are also provided at the airport for currency exchange. They are open for the arrival and departure of all international flights.
These banks will buy and sell most major world currencies at competitive exchange rates.
You can send, receive and exchange money in the Cooks through the Fexco Pacific. There is an agent in the township of Avarua.