Money in Sint Maarten: Currency, Cards & Tipping

On the Dutch side of the island, the official currency since 31 March 2025 is the Caribbean guilder (XCG), but the US dollar is accepted almost everywhere — so most visitors get by easily with dollars and a card. Cross to the French side and you are in euro (€) territory. For a trip that touches both, a mix of US dollars, a payment card, and a little euro covers nearly everything.

What currency does Sint Maarten use?

Here is where the two-country thing matters. The Dutch side, Sint Maarten, adopted the Caribbean guilder (XCG) as its official currency on 31 March 2025, replacing the older Netherlands Antillean guilder. In daily practice, though, the US dollar is so widely accepted on the Dutch side that many prices are quoted in dollars and many visitors never need to handle guilders at all.

The French side, Saint-Martin, is part of France and the EU, so it uses the euro. If you are planning a market morning in Marigot or dinner in Grand-Case, having some euro on hand makes things smoother.

Should I bring US dollars or euros?

If you are staying mostly on the Dutch side — Simpson Bay, Philipsburg, Maho — US dollars and a card are the easy default. If you intend to spend real time on the French side, carry some euro too. Plenty of businesses near the line will work with you across currencies, but you will generally get cleaner pricing by paying in the local currency of whichever side you are on.

Are credit cards widely accepted?

Cards are widely used across the island, especially at hotels, restaurants, and larger shops. That said, it is sensible to keep some cash for smaller vendors, beach bars, market stalls, taxis, and tips. As anywhere, let your bank know you are traveling, and check what foreign-transaction fees your card charges — those small percentages add up over a holiday.

Where do I find ATMs, and what do they dispense?

ATMs are easy to find in the main areas on both sides. On the Dutch side you will typically be able to withdraw US dollars and/or guilders; on the French side, euros. Withdrawing a modest amount of local cash on arrival is usually the simplest approach. Be mindful of any withdrawal fees, and favor machines attached to established banks where you can.

How does tipping work in Sint Maarten?

Tipping is customary and appreciated, much as it is across the region, but always check your bill first: some restaurants add a service charge automatically. If service has already been included, an extra tip is a kindness rather than an expectation. If it has not, a tip in line with the level of service is the norm. Beyond restaurants, small gratuities for taxi drivers, tour guides, and hotel staff are a normal courtesy.

Our rule of thumb is simple: glance at the bill, see whether service is already there, and round up or add accordingly. Cash tips are always welcome, and small bills make this easier.

What is the simplest money setup for a visit?

For most travelers, the painless combination is a card you can tap or swipe, a stash of US dollars for the Dutch side, and a little euro for trips north. Keep some small bills for tips and small vendors, watch for service charges on bills, and you will rarely hit a snag.

And if your first stop is a quiet breakfast — well, you know where to find us. From our counter in Simpson Bay, US dollars and cards are an easy way to start the day with a coffee and something fresh from the oven before you set off to explore.