Branches of the ANZ, Westpac and several local banks in the main towns of Samoa are equipped with ATMs. In American Samoa, ATMs are provided by the ANZ Amerika Samoa Bank and the Bank of Hawai'i. Be aware that ATMs don't always operate 24 hours, and that they can be prone to running out of bills at the start of the weekend. Take plenty of cash with you (in small denominations) when you're heading outside the bigger settlements.

Eftpos (Electronic Funds Transfer at Point of Sale) is a convenient service that allows you to use your bank card (credit or debit) to pay directly for services or purchases, and often withdraw cash as well. However, it's currently only available in some of the larger hotels and upmarket restaurants.

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