St. Maarten and St. Martin make up a unique dual-island nation. The southern side, St. Maarten, is Dutch, while the northern side, St. Martin, is French. This split gives the island a fascinating blend of cultures.
When visiting, one of the first things you’ll wonder about is the St. Maarten currency situation. The island operates with a few different currencies, including the U.S. dollar (USD), the Euro (EUR), and the Netherlands Antillean Guilder (ANG).
This guide aims to clear up any confusion and offer practical tips for handling money during your trip. The good news? U.S. dollars are widely accepted and easy to use throughout the island.
The U.S. Dollar (USD): Widely Accepted and Preferred
While the official currency of St. Maarten is the Netherlands Antillean Guilder (ANG), the U.S. dollar is widely accepted on both the Dutch and French sides of the island. Many businesses actually display prices in both USD and the local currency.
For tourists, the USD is often the preferred currency, especially for those planning to explore both sides of the island. Using USD eliminates the need to exchange currency multiple times.
Practical Considerations for Using USD
When using USD, it’s a good idea to have smaller bills on hand. This makes transactions easier and helps you avoid getting change in an unfamiliar currency.
If you need more cash, ATMs on the Dutch side of St. Maarten generally dispense U.S. dollars.
The Euro (EUR) on the French Side
If you’re headed to the French side of St. Maarten (Saint-Martin), the official currency is the Euro (EUR). Although many places accept US dollars, you’ll find that prices are typically listed in Euros, and it’s generally the preferred currency for local transactions.
Using Euros will be most helpful when you’re browsing local shops, enjoying meals at restaurants, or exploring the markets on the French side. It’s a good idea to have some Euros on hand for smaller purchases and to avoid potential exchange rate inconveniences.
Before your trip, take a look at the current EUR to USD exchange rate so you can plan your budget accordingly. Remember that exchange rates can fluctuate, so it’s a good idea to check closer to your departure date.
The Netherlands Antillean Guilder (ANG): The Dutch Side’s Official Currency
On the Dutch side of the island, Sint Maarten, the official currency is the Netherlands Antillean Guilder, often shortened to ANG or NAf. The ANG is pegged to the US dollar at a fixed exchange rate: 1 USD equals 1.79 ANG.
While the U.S. dollar is widely accepted, some businesses on the Dutch side still use the ANG for transactions. However, tourists don’t commonly use it.
It’s worth noting that the ANG is slated to be replaced by a new currency, the Caribbean Guilder, at some point in the future, though the exact timeline remains unclear.
Using credit and debit cards in St. Maarten
Most places in St. Maarten accept major credit cards. You should be able to use Visa, MasterCard, and American Express without any issues.
However, many credit card companies charge foreign transaction fees, so check with your provider before you travel.
It’s also a good idea to let your bank know your travel dates so they don’t flag your card for suspicious activity and block it.
Finally, keep in mind that some smaller vendors and businesses in remote areas may not accept cards. It’s always smart to carry some cash as a backup.
Cryptocurrencies: A Niche Payment Option
While not widely used, some businesses, especially high-end shops, might accept cryptocurrencies.
If you’re planning to use crypto, it’s crucial to double-check with the business beforehand to make sure they actually take it. Don’t assume they do!
How to Exchange Currency in St. Maarten/St. Martin
If you want to exchange your currency for either Netherlands Antillean Guilder or U.S. dollars, you have a few options:
- Banks and Exchange Offices: Local banks such as FirstCaribbean International Bank and Republic Bank (formerly Scotiabank) offer currency exchange services. You can also find exchange offices like U.S. Exchange in Philipsburg.
- Airports and Hotels: Princess Juliana International Airport offers currency exchange. Some hotels may also, but their exchange rates might not be ideal.
- ATMs: ATMs are easy to find, especially on the Dutch side of the island, and typically dispense U.S. dollars.
In Closing
When traveling to St. Maarten / St. Martin, the U.S. dollar is your best bet for ease and convenience. While the Netherlands Antillean Guilder is the official currency, USD is widely accepted.
Before you go, check the latest exchange rates and be mindful of any fees your bank might charge for using your credit or debit card internationally.
With a little planning and awareness of your currency options, you can ensure a smooth and enjoyable financial experience as you explore this beautiful island.