Money & costs
Kiribati's currency is the Australian dollar, although some transactions on Christmas Island are in US dollars. Credit cards are accepted only by the Otintaai Hotel, Toyota rental cars and Tobaraoi travel agency on Tarawa; there's a fee charged. Credit cards are not accepted on Christmas Island, and prices are slightly higher there than elsewhere in Kiribati.
The ANZ/Bank of Kiribati, with three branches on Tarawa and one on Christmas Island, exchanges some foreign currencies and travellers cheques; rates are dire. There are ATMs in Bikenibeu, Bairiki and Betio on Tarawa but do not assume they will be working. Take plenty of cash with you.
Tipping is not usual.