Maldives Payment Methods & Currency Exchange Guide 2025

Last Updated: November 24, 2025

The official currency of the Maldives is the Maldivian Rufiyaa (MVR). Most tourist establishments accept major international credit cards, but cash is commonly used for small purchases and in local islands.

Currency: Maldivian Rufiyaa (MVR); 1 USD ≈ 15.4 MVR (as of June 2024).
Payment Methods: Cash (MVR), credit/debit cards (Visa, MasterCard, American Express), and some mobile payments are accepted in resorts and larger businesses.
Contactless & Mobile Payments: Contactless card payments are available in many resorts and hotels. Mobile wallets (Apple Pay, Google Pay, Alipay) are not widely supported outside major resorts.
ATMs: Available in Malé, airport, and some inhabited islands. Most ATMs accept international cards (Visa, MasterCard), but may charge a fee (typically USD 3–6 per withdrawal).
Currency Exchange: Exchange services are available at Malé International Airport, banks, and licensed exchange offices. USD is widely accepted in tourist areas.
Foreign Currency Restrictions: No restrictions on bringing foreign currency. Large cash transactions (over MVR 200,000 or equivalent) may require declaration to Maldives Customs.
Cash Import/Export Limits: Amounts exceeding USD 10,000 (or equivalent) must be declared on arrival or departure.
Transaction Fees: Foreign card transactions may incur surcharges (typically 2–4%).
Tips: Carry small denominations of USD or MVR for local purchases. Confirm card acceptance before payment. Retain exchange receipts for reconversion.
Major Banks: Bank of Maldives, Maldives Islamic Bank, State Bank of India (Maldives).
Regulations: Refer to Maldives Monetary Authority and Maldives Customs for latest advisories.

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