Payment methods in Palau

Bank of Guam operates branches in FSM and provides commercial banking services, Visa card issuance, and international wire transfer capabilities for businesses and government entities.

Visa is the world's largest card network, enabling credit, debit and prepaid card payments online, in-store and at ATMs across virtually every market. In the listed countries Visa is a core internationally accepted scheme alongside local methods.

Mastercard is a leading global card network supporting credit, debit and prepaid card payments online, in-store and at ATMs worldwide. In the listed countries it is a core internationally accepted scheme.

Pacific Savings Bank is a locally-owned community bank providing basic banking services to Palauan residents and businesses. It offers savings and checking accounts, ATM access, and limited card services. It serves primarily the local residential and small business market rather than the tourist sector.

Discover (Discover Global Network) is a US-based card network with broad international acceptance via alliances. It is most relevant in US-affiliated markets and tourism destinations.

The US Dollar is the sole legal tender in Palau. Cash is widely used for smaller transactions, local markets, informal services, and among residents who may not have bank accounts. Given the small size of the economy and the absence of a central bank or domestic currency issuance, cash management relies entirely on commercial bank distribution.