Cook Islands - Money
New Zealand dollar (NZD), with local coinage.
Bank of the South Pacific (BSP), Bank of the Cook Islands (BCI) and Australia & New Zealand Banking Group Limited (ANZ) are located in downtown Avarua, and open Monday-Friday from 9 am-3 pm. BSP in Avarua is also open from 9 am-12 pm on Saturdays.
ATMs are conveniently located around Rarotonga and Aitutaki and EFTPOS is available at most hotels and stores. Western Union has an office in Avarua and the main Muri strip on the Eastern side of Rarotonga, which offers money exchange and transfers. All ATMs in the Cook Islands dispense New Zealand currency.
All ATMs in the Cook Islands accept Visa and Mastercard’s. ATMs charge international cardholders a withdrawal fee of approximately $5.00NZD.
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Courtesy Flag Discounts




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Courtesy Flag Discounts




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It is no longer possible to clear into the Southern Cook Islands at Palmerston Island. All yachts must first clear at an official port of entry before proceeding to Palmerston. Landing fees on the island have also increased from NZ$5 to NZ$10 per person. Cruisers should also note that Suwar-row in the Northern Cook Islands is closed until June 1st, 2023.
From Brent Crack and Mary Bevan:
The people of Rarotonga are so friendly and welcoming. Feels much like Rapa Nui or Pitcairn. Bananas have already been delivered without being asked for.
The yachting facilities/infrastructure absolutely sucks. They are not set up in any way for us. Oh well.
We had planned to stay longer but have a weather window straight to New Zealand so we will leave today.
AITUTAKI. Dredging has started to improve the entrance and Channel to the harbour. When finished, it will be 5m deep and 15m wide. The south and north basin either side of the wharf, will be 4m deep. The north basin will be for visitors. The south basin will provide space for local boats and visitors. Initially, visitors will anchor and tie back. When funds are available, moorings and shore facilities wil be provided.
The Cook Islands Ministry of Transport and sports and Tourism will publish correct marine information relating to access as more details are known mid-2022.