Cuba atms and credit cards · ATMs and Credit cards in Cuba
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ATMs and Credit cards in Cuba
ATMs and Credit cards in Cuba
ATMs are rare in Cuba, with only a handful found in Havana. Most are linked with either the Mastercard/Cirrus or Visa/Plus interbank systems. U.S.-issued cards will not be accepted. Unlike some national systems, only primary accounts (typically checking) are recognized. Even if you find an ATM and meet the above criteria it still may not have sufficient cash for a large withdrawal - if refused, try again and ask for a smaller amount or ask the bank clerks for a cash advance, they can process cash advances.
Visa & Mastercard credit cards (of non-US origin) can usually be used, including for cash advances, but places that accept Visa as payment are extremely limited. Credit cards are charged in US dollars plus 11.24% (the 8% exchange difference plus a 3% fee). The best places to attempt to use a credit/Debit card for a cash withdrawal are at the state run Cadecas / Cambios - rather than banks used by Cubans, using the 'red' (company name) ATMs. Debit cards are generally not accepted, although this does vary from card to card.
As a rule of thumb: if your debit card has a PLUS or CIRRUS logo it may work. If you were able to make a purchase via internet it may work. If it is a USA bank card it won't work.
Many banks will tell you that your debit card will be accepted in Cuba when in fact it will not. Do not rely on ATMs for cash as you may be used to in other countries. Top Tip: Have enough currency or travellers cheques when you enter the country to get by, if necessary. There is a high chance you will not be able to withdraw any cash other than with a credit card,for which you will pay the 12.5% conversion to "US dollar rate" and then conversion of those US dollars to your local currency at the rate charged by your card (which is usually about 2% more than the posted bank rate). To withdraw cash you will need to present your passport to an employee, and you will be asked where you are staying. The Cadecas are open longer hours than the banks, but the queues are usually much shorter in the banks.
Other than for use at ATMs and banks, there are generally no facilities for making payments with plastic in hotels, shops and restaurants, necessitating the use of cash.
The Most Frequently Asked Travel Questions about Cuba
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Cuba Travel Guide from Wikitravel. Many thanks to all Wikitravel contributors. Text is available under Creative Commons Attribution-ShareAlike 3.0, images are available under various licenses, see each image for details.