The currency of the Cook Islands is either the Cook Islands Dollar, which is divided into 100 cents, or the New Zealand Dollar (NZD), which is also divided into 100 cents. Foreign currency exchange is available at the airport and two banks in Avarua. ATMs are also available in Avarua and are slowly becoming more widespread. American Express, Visa and MasterCard are accepted at restaurants and hotels in the main towns, and major foreign currencies can be exchanged at larger shops and hotels. Banks are open Monday to Friday from 9am to 3pm.
