Money & costs
NZ dollars are used on Niue (for exchange rates, see the Quick Reference page). Bank South Pacific changes travellers cheques and exchanges foreign currency. Cash advances are available on Visa or Master- Card for a 3.5% commission and a NZ$10 fee. Avoid visiting the bank on a Tuesday, as this is the regular payday for Niue's significant government workforce. There is a Western Union office in the bank. Credit cards can be used at more expensive accommodation, car-rental agencies and at Niue Dive. Cash is vital at all other businesses and there are no ATMs on the island.