ATMs In Caye Caulker: Locations, Accepted Cards & All Money Matters

So, you’re packing your bags, ready to bask in the sun-soaked vibe of Caye Caulker, Belize. But one question lingers: How easy is it to access your cash while you’re there and are there ATMs in Caye Caulker?

It’s a common concern for travelers – navigating foreign banking systems can be tricky, and the last thing you want is to be stranded in paradise without access to funds.

From dealing with unexpected closures to finding out that some places only accept cash, these are real issues that can cast a shadow over your vacation.

As someone who has extensively explored Caye Caulker and experienced its banking system firsthand, and not always succeeding. I’m here to guide you through this often-overlooked aspect of travel planning.

Whether you’re a first-time visitor to Belize or a seasoned traveler looking for updated information, I will let you know all about accessing ATMs in Caye Caulker.

So let’s figure the money situation out, ensuring your focus remains on soaking up the sun, exploring the reef, and immersing yourself in the laid-back lifestyle of Caye Caulker.

🚗 How I Book Ferries & Shuttles In Belize: GuateGo

Map Of ATMs In Caye Caulker

To help you get oriented, here’s a map of all the ATMs in Caye Caulker:

Locations of ATMs in Caye Caulker

There are a handful of ATMs on the island of Caye Caulker, all located within walking distance of each other.

No matter which part you’re staying in, there will be an ATM nearby for your convenience.

keypad on an atm in caye caulker
keypad on an atm in caye caulker

Atlantic Bank Ltd ATM

Located on Avenida Langosta in a central area, this highly convenient ATM is the most popular choice on the island for tourists and locals alike, as it readily accepts international cards.

The room housing the ATM is air-conditioned, providing a comfortable and hassle-free experience.

Adjacent to the ATM, there is a bank; however, please note that the bank operates exclusively on weekdays. On the bright side, the ATM itself is accessible 24/7, ensuring round-the-clock convenience.

It’s important to be aware that, given its popularity, the Atlantic Bank ATM may occasionally run out of cash, especially during peak tourist season.

Therefore, it’s always advisable to have some cash on hand just in case. By being prepared, you can fully enjoy your time on the island without any inconveniences.

Location: Avenida Langosta, Caye Caulker, Belize

Heritage Bank ATM

This conveniently located ATM is just a stone’s throw away from Atlantic Bank, making it easily accessible for anyone in need of Belizean dollars. Situated only a minute away from the pier, it’s the perfect first stop for visitors arriving at Caye Caulker.

To access the ATM, you’ll need to swipe your card at the door, which seems to be the norm nowadays.

Step inside, and enjoy the air-conditioned environment, where can withdraw your money in peace. You should also find a seat where you can organize things if needed.

What’s more, this ATM is available 24/7, ensuring you can access your funds whenever you need them.

However, it’s worth noting that some travelers have experienced issues with Heritage Bank ATMs swallowing their cards, which can be quite inconvenient. Rest assured, though, the necessary steps can be taken to retrieve the card with the bank’s assistance.

All Heritage Bank Locations

Location: On Calle De Sol, near the Hibisca by Habanero and Caye Caulker Liqour Bin

Inside Caye Caulker Shopping Marts

If you find yourself in need of cash but prefer to stay indoors, you’ll be pleased to know that there are ATMs conveniently located inside certain supermarkets around Caye Caulker.

However, it’s important to note that, unfortunately, 99% of the time these ATMs will not be operational. Whether due to running out of cash or technical malfunctions, relying on them should only be considered as a last resort.

It is advisable to explore alternative options first to prevent wasting time.

Location: Caye Caulker Shopping Mart, Prime Supermarket & Ocean Grocery Store

🚗 How I Book Ferries & Shuttles In Belize: GuateGo

Tips for Using ATMs in Caye Caulker

  1. Most ATMs on the island only dispense Belizean dollars (BZD), so make sure to convert your currency before withdrawing money.
  2. Some ATMs may charge additional fees for international transactions, so be sure to check with your bank before using an ATM on the island.
  3. It is recommended to use ATMs during daylight hours for safety reasons.
  4. In case of any issues or errors, make sure to contact your bank immediately and keep all receipts for record-keeping purposes.
  5. If possible, try to withdraw larger amounts at once to minimize transaction fees.
  6. Always cover the keypad when entering your PIN to protect against potential fraud.
  7. As a precaution, it is also recommended to notify your bank of your travel plans before using ATMs in Caye Caulker to avoid any issues with international transactions.
  8. If you have trouble finding an ATM or need assistance with using one, don’t hesitate to ask a local for help. Caye Caulker is known for its friendly and helpful community.
  9. It’s always a good idea to have some cash on hand in case of emergencies or if you come across a business that doesn’t accept cards.
24 hour atm sign in belize
24 hour atm sign in belize

Do The ATMs Run Out Of Money In Caye Caulker?

While the majority of ATMs on Caye Caulker are regularly stocked and operational, there have been instances where they may run out of money.

This can be more common during peak tourist seasons or holidays when there is a high demand for cash. It is always recommended to have some backup cash on hand in case this situation arises.

Your best chance of getting cash out will be earlier in the day.

In addition, it is important to note that ATMs on the island may only dispense a limited amount of cash per transaction, so plan accordingly if you need to withdraw larger amounts.

It’s also helpful to keep in mind that some businesses and vendors on Caye Caulker may not accept cards at all, so having cash readily available can come in handy. Be sure to have small bills as well, as many places may not be able to provide change for larger denominations.

How much cash should I bring to Caye Caulker?

This ultimately depends on your personal spending habits and plans for your trip. It’s always a good idea to bring a mix of cash and cards, with a larger emphasis on cash.

A good starting point is to have enough cash to cover your basic expenses such as food, transportation, and activities.

If you plan on going out for meals or drinks at restaurants, it’s recommended to have enough cash for those as well, as some establishments may not accept cards.

If you’re planning on doing water activities or taking tours, it’s also a good idea to have extra cash on hand for any fees or tips that may be required.

Also, make sure to bring smaller denominations of cash. This is because you will find it hard for businesses to accept large $100 bills, especially small locally run spots.

Typical Prices In Caye Caulker

  • Street Food: $2 – $5
  • Restaurant meal: $10 – $20
  • Local Beer: $2 – $3
  • Water taxi to/from Belize City: $20 round trip
  • Bike rental per day: $10
  • Snorkeling tour: $45 – $70
  • Scuba diving tour: $80 – $200
  • Hostel per night: $15 – $30
  • Hotel per night: $50 – $150
  • Local arts and crafts: $10 – $50
  • Tipping: $1 – $5 per service
local restaurant on the beach front in caye caulker
local restaurant on the beach front in caye caulker
walking down one of the streets in caye caulker looking for an atm
walking down one of the streets in caye caulker looking for an atm

🚗 How I Book Ferries & Shuttles In Belize: GuateGo

Can I use my credit card in Caye Caulker?

Yes, most businesses and larger establishments in Caye Caulker will gladly accept major credit cards such as Visa or Mastercard, ensuring convenient payment options for visitors.

However, it’s important to note that a credit card fee may apply, typically ranging from 2.5% to 10% of the transaction price. If you happen to be paying for your accommodation when you arrive, this fee can add up fast. To prevent this try prebook online.

While credit cards are widely accepted, it’s always wise to have some cash on hand as a backup. This can come in handy when purchasing delectable street food or when shopping at the local stalls beautifully set up on the beach.

Vendors accepting cash payments:

  • Beach BBQs
  • Market stall sellers set up on the beach
  • Most convenience stores for small purchases
  • Bicycle hire

Possible card payments:

  • Restaurants and bars
  • Hostels and hotels
  • Snorkeling tours
  • Ferry companies

Additionally, having cash readily available allows for convenient tipping, ensuring a seamless and appreciative experience for both you and the locals.

By having a combination of both credit cards and cash, you’ll be fully prepared to indulge in the diverse offerings of Caye Caulker, making your visit even more enjoyable and stress-free.

Can I pay with US dollars in Caye Caulker?

Yes, US dollars are widely accepted in Caye Caulker. However, you may receive change back in local currency (Belizean dollars) and it’s always a good idea to have some of the local currency on hand for smaller purchases or tipping.

It’s also important to note that while US dollars are accepted, the exchange rate used by businesses may not be favorable. It’s recommended to exchange your money for Belizean dollars at a local bank or currency exchange for the best rates.

Lastly, some smaller businesses may not accept US dollars, so it’s always best to have both currencies available. So, it is always advisable to carry a mix of cash and cards while travelling in Caye Caulker.

Does Belize have ATM machines?

Yes, there are ATM machines widely available in Belize. However, it’s important to note that not all of them accept foreign cards. Make sure to check with your bank beforehand and inform them of your travel plans to avoid any issues with accessing cash.

It’s also a good idea to carry some cash as backup in case you cannot find an ATM that accepts your card.

ocean ferry sign in caye caulker showing the ferry routes and times
ocean ferry sign in caye caulker showing the ferry routes and times
hanging out on a hammock in caye caulker
hanging out on a hammock in caye caulker

How much is the ATM fee in Belize?

The ATM fees in Belize can vary depending on the bank and type of account you have. Some ATMs may charge a flat fee, while others may charge a percentage of the amount withdrawn. It’s best to check with your bank beforehand to see if they have partnerships with any banks in Belize to avoid or minimize ATM fees.

Additionally, some ATMs in tourist areas may have higher fees, so it’s always a good idea to seek out ATMs in less touristy areas for potentially lower fees.

🚗 How I Book Ferries & Shuttles In Belize: GuateGo

Is it better to use cash or card in Belize?

When in Belize, it is advisable to use a combination of cash and card for your transactions.

While many businesses, particularly the larger ones, readily accept credit and debit cards, it is important to note that smaller establishments and local markets may only accept cash payments.

Having a card on hand can be particularly convenient for larger purchases or when settling your accommodation expenses.

By ensuring you have both cash and card options available, you’ll have greater flexibility and peace of mind during your time in Belize.

Does Caye Caulker have an ATM?

Yes, there are several conveniently located ATM machines on the island that dispense both US dollars and Belizean dollars.

Whether you’re a tourist or a local resident, you can rest assured knowing that you’ll have access to cash whenever you need it.

Where To Stay In Caye Caulker

When backpacking in Caye Caulker, there are many affordable and sociable hostel options available.

One notable choice is Bella’s Backpackers, which offers a community atmosphere and is in an awesome location, making it ideal for solo travelers looking to meet new people.

Personally, I stayed at Bellas Backpackers and had a fantastic time socializing, although it does receive mixed reviews online. However, with my experience of staying in countless hostels, as long as I have a comfortable bed, everything is great.

Another excellent option for budget-conscious travelers is the Go Slow Guesthouse. True to its name, this accommodation captures the laid-back and leisurely island lifestyle. It has various dorm rooms and affordable private rooms.

bellas backpackers

Bellas Backpackers Caye Caulker

The most popular hostel on the islands. Rooms start from $14.00 for a dorm and make sure to upgrade if you want air-con.

Tropical Oasis

Tropical Oasis

The best hostel in Caye Caulker, and a popular choice for travelers. Dorms start from $21.00 per night.

Sea And Sun Guesthouse

Sea And Sun Guesthouse

A comfortable stay for travelers who want a private room. The rooms here start from $40.00 per night.

Blue Wave Guesthouse Caye Caulker

Blue Wave Guesthouse Caye Caulker

An excellent choice if you want a bit more privacy. Fan-cooled rooms here start from $30.00 per night.


Things To Do In Caye Caulker

  • Explore the Barrier Reef: Caye Caulker is very close to the beautiful Belize Barrier Reef. You can take a snorkeling or diving tour to witness the diverse marine life, including nurse sharks, stingrays, and countless fish species.
  • Visit The Split: A narrow waterway dividing the island into two parts. It’s a great spot for swimming, sunbathing, or enjoying a drink from the nearby Lazy Lizard Bar.
  • Bird Watching: Being a bird sanctuary, Caye Caulker offers ample opportunities for bird watching. Keep an eye out for fascinating species like the brown pelican, royal tern, and frigate bird.
  • Take a Bike Tour: The island is small and flat, making it perfect for a leisurely bike tour. Rent a bike and explore at your own pace.
  • Eat Local Seafood: Don’t miss the chance to indulge in fresh, local seafood. Head to the island’s restaurants and sample the conch ceviche, lobster, and other sea delicacies.
  • Sunset Sailing: Book a sunset sailing tour to relax and enjoy the breathtaking island sunset. It’s the perfect way to end your day.
  • Swim With Manatees: Experience the awe-inspiring joy of swimming with manatees in Caye Caulker. Book a tour with a local operator for an up-close encounter with these majestic creatures.
  • Feed the stingrays at Iguana Reef Inn: Another unique activity in Caye Caulker is feeding the stingrays at Iguana Reef Inn. Each evening at around 5 p.m., the hotel staff feeds the stingrays that gather near the shore, and you can join them for free.

Wrap Up: All You Need To Know About ATMs In Caye Caulker

In conclusion, while there may be a few challenges when it comes to finding an ATM in Caye Caulker, with some prior research and planning ahead, you can easily access cash during your travels.

Remember to check with your bank regarding any partnership agreements they may have with banks in Belize to avoid or reduce fees.

And don’t forget to bring a combination of both cash and card options for a hassle-free experience when making purchases or withdrawals.

By keeping these tips in mind, you can fully enjoy your time in Caye Caulker without any concerns about access to money.

Any Questions? Let me know in the comments!


So, you're packing your bags, ready to bask in the sun-soaked vibe of Caye Caulker, Belize. But one question lingers: How easy is it to access your cash while you're there and are there ATMs in Caye Caulker?

Photo credit: “24 hour atm” (CC BY 2.0) by Frank Hebbert . “ATM keypad 1/4” (CC BY 2.0) by Redspotted .

Disclaimer: This post contains affiliate links. So, if you click on it and purchase something, I get a small percentage at no extra cost to you. As always all opinions are my own and your support is much appreciated.

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