The most cashless countries in Oceania

14 countries and territories in Oceania, ranked by how easily a visitor can get by without cash in The Cashlessy Index 2026. Australia leads with 92 out of 100; Tuvalu is the most cash-reliant. 2 of 14 are cashless or mostly cashless, and the region averages 29.

What the checked guides say

We have checked 2 of the 14 guides in Oceania against sources so far. Fee-free ATMs are easy to find in New Zealand. Expect a fee at every ATM in Australia.

All 14 ranked

  1. 1
    Australia

    Cards: accepted almost everywhereCash: rarely neededATMs: expect a fee at every ATMChecked October 2026

    Go cashless92
  2. 2
    New Zealand

    Cards: accepted almost everywhereCash: rarely neededATMs: fee-free ATMs are easy to findChecked October 2026

    Go cashless90
  3. 3
    Fiji

    Cards: cities and tourist areasCash: needed dailyNot yet checked

    Cash preferred42
  4. 4
    Palau

    Cards: hotels and a few big businessesCash: needed dailyNot yet checked

    Cash preferred36
  5. 5
    Samoa

    Cards: hotels and a few big businessesCash: bring plentyNot yet checked

    Cash preferred30
  6. 5
    Vanuatu

    Cards: hotels and a few big businessesCash: bring plentyNot yet checked

    Cash preferred30
  7. 7
    Tonga

    Cards: hotels and a few big businessesCash: bring plentyNot yet checked

    Cash essential20
  8. 8
    Marshall Islands

    Cards: hotels and a few big businessesCash: bring plentyNot yet checked

    Cash essential18
  9. 9
    Micronesia

    Cards: hotels and a few big businessesCash: bring plentyNot yet checked

    Cash essential16
  10. 10
    Papua New Guinea

    Cards: rarely or neverCash: bring plentyNot yet checked

    Cash essential12
  11. 11
    Solomon Islands

    Cards: rarely or neverCash: bring plentyNot yet checked

    Cash essential10
  12. 12
    Kiribati

    Cards: rarely or neverCash: bring plentyNot yet checked

    Cash essential6
  13. 12
    Nauru

    Cards: rarely or neverCash: bring plentyNot yet checked

    Cash essential6
  14. 14
    Tuvalu

    Cards: rarely or neverCash: bring plentyNot yet checked

    Cash essential4

Scores are out of 100. See the full world ranking and how we score. Last reviewed October 2026.

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