Cook Islands banking, currency, money and finance information. Find out what currency the Cook Islands use, how to go about using banking facilities and finance options.

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Cook Islands Banking, Currency and Finance

The Cook Islands offers a range of banking facilities and finance options, including operating as an international finance centre.

Cook Islands Banking

Image Source: View from Aitutaki
View from Aitutaki

Banking facilities are available for all international arrivals. There are Westpac and ANZ Banks on Rarotonga. Banks are generally open 9:00 am to 3:00 pm weekdays, with some also open on Saturday morning. There is an ATM at both the ANZ and Westpac banks. Westpac represents American Express.

Cook Islands Currency

The currency in the Cook Islands is the New Zealand dollar. Coins have values of 10, 20 and 50 cents, $1 and $2; notes have values of $5, $10, $20, $50 and $100. New Zealand notes are used throughout the islands but the Cook Islands have their own decorative $3 note in circulation as well as a few old coins. New Zealand coins are used mostly throughout the islands.

Cook Islands Tax

There is a 12.5% Value Added Tax (VAT) on all goods and services. This is included in prices at most places but you should ask if it's not displayed, just in case.

Cook Islands Tipping

Tipping is not encouraged in the Cook Islands. If you wish to offer a tip, tip with a smile and a meitaki ma'ata (thank you).

Bargaining can also be taken as an insult.

Cook Islands & Rarotonga Information

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Pacific Tourism Guide and NZTG.