Maldives ATM Locations: Where to Find Cash Easily

For travelers venturing to the Maldives having access to cash is often an overlooked but essential part of a smooth vacation. While many resorts and higher-end establishments accept credit cards, cash remains the preferred payment method for many smaller local businesses, transportation services and markets. Travelers may find themselves needing Maldivian Rufiyaa (MVR) for ferry rides tips or shopping in local islands where card payment options are limited. Knowing where to find ATMs and understanding how they operate in the Maldives will ensure that visitors have the financial flexibility to enjoy their trip without interruptions.

Key Locations for ATMs in the Maldives

Velana International Airport
Upon arrival Velana International Airport is the most convenient place to withdraw cash. With ATMs operated by banks like the Bank of Maldives (BML) and Habib Bank (HBL) travelers can immediately access local currency before heading to resorts or local islands where ATM availability can be less predictable.

Male City and Hulhumale
As the economic hub of the country Male City is home to the largest number of ATMs. Major banks such as Bank of Maldives (BML) or State Bank of India (SBI) maintain several ATMs throughout Male particularly near markets ferry terminals and business centers. The nearby island of Hulhumale a growing urban area also offers ATMs in central locations such as shopping districts and ferry terminals.

Local Islands with Developed Infrastructure
Some local islands particularly those popular with tourists like Maafushi have ATMs available though not in abundance. Visitors should be prepared to withdraw enough cash before traveling to islands as ATM options may be more limited.

Tourist Hotspots and Ferry Terminals
Many ferry terminals and well-known tourist hotspots provide ATM services for travelers. These are often located near transportation hubs allowing tourists to withdraw money before setting off to more remote islands. Some resorts may also provide ATM services though availability varies.

How ATMs Work in the Maldives

Supported Card Types
ATMs in the Maldives generally accept Visa, MasterCard and American Express cards. International travelers can usually withdraw cash from these ATMs without any issues though it is advisable to verify card acceptance with your bank before travel.

Currency and Denominations
ATMs dispense Maldivian Rufiyaa (MVR) the official currency of the Maldives, and some outlets dispense US dollars (USD). Travelers should aim to withdraw smaller denominations for everyday transactions particularly when paying local vendors or using public transport.

Language Options
ATMs offer instructions in English ensuring easy navigation for tourists.

Transaction Fees and Cash Availability
International withdrawal fees may apply depending on your bank and it’s wise to confirm these charges before withdrawing cash. Additionally ATMs can run out of cash especially during busy tourist periods so it’s important to plan ahead.

Pro Tips for Travelers

Withdraw Cash Before Heading to Remote Islands
ATMs are not available on all islands especially more remote or less-developed areas. It’s best to withdraw cash from ATMs in Male Hulhumale or Velana International Airport before venturing further.

Carry Smaller Denominations
Smaller bills are more convenient for day-to-day transactions. Many small vendors may struggle to provide change for large denominations so it’s helpful to have smaller notes on hand.

Check International Withdrawal Fees
Before using your card abroad check with your bank about fees for international ATM withdrawals. Some banks offer accounts that are better suited for travel minimizing extra costs.

Plan Cash Withdrawals in Advance
Avoid relying on ATMs being readily available on smaller islands or at your resort. Planning your cash needs in advance will ensure you’re not left without access to funds during your stay.

Ensuring a Smooth Trip

While the Maldives is a paradise of serene islands and luxury resorts, practical considerations like accessing cash should not be overlooked. ATMs are available in key locations such as Velana International Airport, Male, and Hulhumale, but they become scarcer as you move to smaller, more remote islands. Having a strategy for withdrawing cash, understanding the potential fees, and planning for emergencies will help travelers enjoy a worry-free vacation. By following these tips and knowing where to find ATMs, you can ensure that you have the funds you need for local experiences, transportation, and unexpected expenses, allowing you to fully immerse yourself in the beauty and culture of the Maldives.

On April 19, 2025, Marriott International celebrated the success of 31 apprentices who graduated from the second batch of its Maldives Apprenticeship Program. The special ceremony took place at the Sheraton Maldives Full Moon Resort & Spa and featured key dignitaries, including Hon. Ibrahim Waheed, the Minister of Youth Empowerment, Information, and Arts, along with other officials from the Ministry of Youth Empowerment and the Maldives Institute of Technology (MIT). Additionally, Mark Fletcher, Marriott’s Area Director of Human Resources for Singapore and the Maldives, also attended to acknowledge the graduates’ achievements.

Hon. Ibrahim Waheed highlighted the program’s role in empowering the youth of the Maldives, commenting, “Today, we celebrate 31 apprenticeship graduates. These are 31 futures redefined—each a testament to what happens when opportunity meets action. To our apprentices, you step forward as ambassadors of possibility. And to Marriott International, thank you for not just supporting this program, but for championing it—your commitment to mentorship and local capacity building is truly admirable.”

A Collaborative Effort in Hospitality Training

The Marriott Apprenticeship Program is a collaborative effort between Marriott International, the Ministry of Youth, Sports, and Community Empowerment, and MIT. This 10-month program provides participants with a well-rounded education that includes theoretical lessons at MIT and hands-on experience at various Marriott resorts across the Maldives. Specifically, the apprentices received training in several key hospitality sectors, including front office operations, culinary arts, food and beverage service, and housekeeping.

By partnering with the Maldivian government, Marriott became the first international hospitality brand to support such an apprenticeship initiative in the country, reinforcing its dedication to developing local talent. In this way, the program supports Marriott’s broader mission to cultivate the next generation of leaders in the fast-growing Maldivian tourism industry.

Practical Experience Across Marriott’s Maldives Resorts

The apprentices completed their theoretical training at MIT before gaining practical experience at Marriott’s luxurious properties in the Maldives, such as The Ritz-Carlton Maldives, Fari Islands; The St. Regis Maldives Vommuli Resort; JW Marriott Maldives Resort & Spa; W Maldives; Le Méridien Maldives Resort & Spa; Sheraton Maldives Full Moon Resort & Spa; and The Westin Maldives Miriandhoo Resort.

True to the company’s guiding principle of “We Put People First,” Marriott focuses on helping young professionals grow and succeed. As a result of their hard work, all the graduates received Level-3 certification, officially recognized by the Maldives Qualification Authority (MQA). This certification acknowledges their successful completion of both the academic and practical components of the program, preparing them for careers in the hospitality industry.

Looking Ahead to a Bright Future

Mark Fletcher reflected on the program’s origins, noting, “When we launched this program in 2023, it was envisioned as a pilot, a leap of faith, grounded in belief. A belief in crafting talents of Maldivian youth, belief in the strength and collaboration, and belief in Marriott’s commitment to “take care” – not just our people but the communities where we serve. What began as an initiative is now a movement, and Marriott International is proud to be the first international hospitality brand to officially launch such apprenticeship program in the Maldives”

Ultimately, this graduation marks a key milestone in Marriott’s efforts to contribute to the long-term sustainability of the Maldives’ tourism industry by fostering a talented and skilled local workforce. Marriott looks forward to watching its graduates embark on successful careers and continue playing an essential role in the growth of the country’s hospitality sector.

Where to Find ATMs in the Maldives: Key Locations and How They Work

Key Locations for ATMs in the Maldives

How ATMs Work in the Maldives

Pro Tips for Travelers

Ensuring a Smooth Trip

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