Cash and card payment methods

When traveling to the Maldives, it is recommended to carry US dollars in cash, preferably newer bills. UnionPay cards, such as those from Rosselkhozbank (RSB), may offer limited functionality in tourist areas. Russian MIR cards are unlikely to be accepted. Withdrawals in rubles often incur unfavorable exchange rates. While some resorts may accept credit cards, cash USD remains the most reliable payment method. Ensure your cash is in good condition (relatively new).

When making payments in the Maldives, the currency debited depends on your card type. Payments made with a US Dollar-denominated card will be charged in USD. Payments made with a Russian Ruble-denominated card will be charged in RUB. The specific merchant's currency and your card's currency will determine the transaction currency.

US dollars are the preferred currency for transactions in the Maldives, with newer bills (post-2017) being more readily accepted. While credit cards are accepted at many establishments, UnionPay cards (e.g., from RSB) are a more reliable option than other international cards. MIR cards are generally not accepted. Ruble-denominated card withdrawals often result in unfavorable exchange rates. Carrying sufficient cash USD is highly recommended for smooth transactions.

If a hotel requires payment for a seaplane transfer via Visa or Mastercard and the traveler does not possess these card types, alternative payment methods are generally not offered directly through the hotel. Travelers should clarify accepted payment methods with the hotel or tour operator in advance and consider alternative financial arrangements if Visa/Mastercard are unavailable.

When traveling to the Maldives, it's recommended to carry both US Dollars cash and a credit card (e.g., UnionPay from Russian banks like RSKHB or non-Russian bank cards). Card acceptance can be inconsistent, especially with older terminals on some resorts. Euro is accepted but typically exchanged at 1:1 with USD, which is unfavorable. Dive excursions and other activities on resorts often cost upwards of $100 per person, and a dinner for two can exceed $200. On local islands, the euro exchange rate may be 1.15 to the dollar. It is advised to have a backup card. Some tourists store cash with resort reception for a fee, receiving a receipt.

Russian banks like Gazprombank (on the SDN list) and Rosselkhozbank (under sectoral sanctions) may face payment difficulties on Maldives, especially with services using European financial processors. European blocking sanctions apply to Rosselkhozbank. While not guaranteed, the risk of transaction rejection is elevated. It is advisable to verify current payment acceptance upon arrival.