CuracaoEUREuro
Curacao is neither an independent state nor a colony: it is a country within the Kingdom of the Netherlands with its own government, central bank, and currency. From 2025, the island uses the Caribbean guilder XCG, which replaced the Antillean ANG at a one-to-one rate; the peg to the dollar remains unchanged—1.79 per 1 USD. This is the main feature of the corridor: the exchange rate is predictable, and compliance here is Dutch: EU law does not work directly on the island, but the Kingdom of the Netherlands extends measures similar to European ones to Curacao through its sanctions legislation. ATM24's manager coordinates the recipient bank on the island before sending: a payment returned due to compliance issues costs more than waiting for a check.
The route, the receiving bank and the payout amount are agreed before payment.
The national currency is the Caribbean guilder (XCG), which from March 31, 2025, replaced the Antillean guilder (ANG) at a 1:1 ratio and is used jointly by Curacao and Sint Maarten. The peg to the US dollar is maintained at 1 USD = 1.79 XCG. Curacao is an autonomous country within the Kingdom of the Netherlands, located off the coast of Venezuela; it is not part of the EU but has the status of an overseas territory, so the banking sector operates under strict compliance standards. EU sanctions regulations do not apply directly on the island, but measures against Russia are implemented through the legislation of the Kingdom of the Netherlands, including the Sanctiewet, so the recipient bank and route must be checked in advance. The regulator is the Centrale Bank van Curaçao en Sint Maarten (CBCS), located in Willemstad. The IBAN format does not apply in Curacao: for international SWIFT transfers, the bank's SWIFT/BIC, internal account number, and recipient's full name are used. The main bank is Maduro & Curiel's Bank (MCB), the largest bank on the island with a wide network of branches.
The US dollar is widely accepted on par with XCG, though change is often given in Caribbean guilders. The official languages are Dutch, Papiamento, and English; Spanish is also widely used. Banks typically operate Monday through Friday from approximately 08:00 to 16:00 local time (UTC−4); Willemstad is 7 hours behind Moscow. ATM24 checks the available route in advance before confirming the application. International SWIFT transfers take 2–5 business days. ATM24 commission is from 0.9%.
Bank cards in Curacao accept both guilders and dollars—the currency deposited depends on the currency in which the account linked to the card is held. Maduro & Curiel's Bank (MCB), Banco di Caribe, Orco Bank, RBC Royal Bank. Recipient's full name in Latin characters and 16-digit card number. Some accounts on the island are held in dollars: confirm with the recipient whether XCG or USD is on the card
The island does not issue IBAN: the bank is identified by SWIFT code, and the account by the bank's internal number. You need the bank's SWIFT code, account number, and recipient's full name in Latin characters. Account currency is confirmed in advance: both guilder and dollar accounts are common in Curacao. Oversight here follows the Dutch model, not the Caribbean one: documents about the origin of funds are requested on the island more often than would be expected from an offshore jurisdiction
Cash withdrawal on the island: Willemstad is the administrative and business center of Curacao. Willemstad is the capital of the island, a historic center listed as a UNESCO World Heritage site. US dollars are in common circulation alongside guilders, and change is often given in XCG. The island is small, and cash withdrawal options are limited: the availability of the amount is checked before confirming the application
To transfer money to Curacao, you need the recipient bank's SWIFT code, account number, and full name in Latin characters—the island does not issue IBAN. The Caribbean guilder XCG is pegged to the dollar at 1.79, so the amount is calculated predictably. Keep in mind the sanctions regime: EU law does not apply directly on the island, but the Kingdom of the Netherlands enforces similar measures on Curacao through its own legislation. Confirm the recipient's account currency with them—both guilder and dollar accounts are common on the island. The passability of the selected bank is checked before confirming the application—on the island, this determines the outcome of the payment more than the transfer amount.
We accept RUB, USD and USDT — we pay out in EUR
RUB EUR
0.009255per 1 RUB
10 000 ₽ = 92.55 EURUSD EUR
0.8298per 1 USD
100 $ = 82.98 EURUSDT EUR
0.8298per 1 USDT
100 USDT = 82.98 EUR| You send | Payout in EUR |
|---|---|
| 100 USDT | 82.98 EUR |
| 300 USDT | 249 EUR |
| 500 USDT | 415 EUR |
| 1 000 USDT | 830 EUR |
| 5 000 USDT | 4 149 EUR |
Where recipients usually get the money in Curacao
MCB Maduro & Curiel's Bank — a universal bank with retail and corporate services. Recipients may use an account, card, branch, or mobile banking.
SWIFT: verify; Description: Branch of the Canadian RBC group
SWIFT: verify; Description: Local bank; operates in Curacao and Aruba
CMB Caribbean Mercantile Bank — a bank serving personal customers and small businesses. Its services typically include accounts, cards, branches, and digital banking.
National Currency
The national currency is the Caribbean guilder (XCG), used from 2025 and replacing the Antillean guilder (ANG); the exchange rate is fixed to the US dollar at 1 USD = 1.79 XCG.
Card Systems
Visa and Mastercard are accepted everywhere. Maestro is present on debit cards. The country uses the Netherlands Antillean guilder (ANG). MCB Group and RBC Royal Bank are the main card issuers.
Payment Applications
MCB (Maduro & Curiel's Bank) Mobile is the leading bank in Curacao with a mobile app. WhatsApp Pay, Boolat, and PayPal are available for online transactions. Western Union and MoneyGram operate through agent networks.
Financial Regulator
Centrale Bank van Curaçao en Sint Maarten (CBCS) is the central bank and primary financial regulator of Curacao and Sint Maarten. The IBAN format does not apply in Curacao: international transfers use the bank's SWIFT/BIC and account number.
Interbank Transfers
Curacao uses IBAN format CW (Netherlands Antilles, 22 characters) and SWIFT/BIC. SEPA is not available; transfers from outside the EU are accepted via SWIFT. MCB Bank (SWIFT MDBKCUCU) and RBC Royal Bank are key correspondents.
Features for ATM24
Curacao applies sanctions measures of the Kingdom of the Netherlands, similar to European restrictions on Russia.
With an ATM24 transfer the recipient gives their own bank and details, so the money lands directly on the account.
Three steps from request to payout
Fill in the form or write to us on WhatsApp or Telegram — a manager will check the available route
We check the recipient details and confirm the route, rate, fee and payout amount
Once paid, the transfer goes out along the agreed route — we report the status in the messenger
We verify the exact details when agreeing the available route before payment.
Facts, not promises
You see the rate, the fee and the payout amount before you send the money.
The route, rate, fee and payout amount are agreed before payment.
Reference cities with payout locations. Availability of a specific location is confirmed in the request.
Confirm the city before payment
Only methods present in both the country description and the current route are shown.
Real stories from real people
I needed cash in Thailand, exchanged a not very large amount, manager Emil helped with the exchange. I was left with the best impressions, he explained and showed everything as thoroughly as possible, helped find the nearest ATMs, responded quickly to all questions, thank you very much!
Read full reviewHuge thanks! I converted rubles to baht. I was able to withdraw cash at an ATM. Manager Ekaterina helped.
Read full reviewYandex
For over a month now I’ve been using only this currency exchange service in Thailand. No limits, many exchange methods, prompt communication and cooperation. Especially grateful to manager Sofia, who is ready to help with any question. I recommend them. My money issues in Thailand are completely resolved.
Read full reviewInitially I found the service in Google search through an ad banner. I went to read reviews on Yandex and Google, saw that on the maps there is only 1 point in Phuket and it's some kind of ATM. And the reviews are all 5 stars. There are photos, instructions, a website and everything seems to look nice, but it seems that making a website isn’t that hard, reviews can be bought along with photos. I decided to check it myself anyway (because I needed baht and the only thing to exchange was rubles on a card from a Russian bank). I checked, exchanged 5000 baht and everything works smoothly, maybe I'll use them again during my trip, since this time was a test for me. Special thanks to manager Stanislav for the help (I learned the manager’s name in the messenger after the exchange was completed). Upd: exchanged a second time for a larger amount, everything also went smoothly and at a rate not very different from the bank rate.
Read full reviewYandex
Initially I found the service in Google search through an ad banner. I went to read reviews on Yandex and Google, saw that on the maps there is only 1 point in Phuket and it's some kind of ATM. And the reviews are all 5 stars. There are photos, instructions, a website and everything seems to look nice, but it seems that making a website isn’t that hard, reviews can be bought along with photos. I decided to check it myself anyway (because I needed baht and the only thing to exchange was rubles on a card from a Russian bank). I checked, exchanged 5000 baht and everything works smoothly, maybe I'll use them again during my trip, since this time was a test for me. Special thanks to manager Stanislav for the help (I learned the manager’s name in the messenger after the exchange was completed). Upd: exchanged a second time for a larger amount, everything also went smoothly and at a rate not very different from the bank rate.
Read full reviewThe guys did a great job, everything was done quickly and precisely, I recommend them, I will contact them again!
Read full reviewTrustpilot
They exchanged the money very promptly. Brought it right to the hotel
Read full reviewWe agree the rate and the payout method before payment — pick where the money goes.
Country not found
People ask different questions about currency in Curacao: what's in circulation now, what to take on a trip, and what's better to receive via transfer—we've addressed each case separately.
For a transfer to Curacao in ANG, ATM24 builds the order around the recipient's payout method on the Curacao Caribbean payout route. The sender sees the route, fee from 0.9%, expected timing from 15 minutes, and final amount before payment; if details change, the calculation is updated. Bank-route examples for Curacao: MCB Bank, Banco di Caribe, RBC Royal Bank, Toggle Navigation Banks Bank, and Groups Bank.
In Curacao, an ANG transfer may go to a bank-issued card or bank account depending on the receiving bank. ATM24 checks the Curacao Caribbean payout route through a bank such as Banco di Caribe or Toggle Navigation Banks Bank and confirms whether card payout, account payout, or only one option is available. The sender pays after that route is confirmed. Bank-route examples for Curacao: MCB Bank, Banco di Caribe, RBC Royal Bank, Toggle Navigation Banks Bank, and Groups Bank.
ATM24 can check whether an ANG transfer to Curacao may go through MCB Bank, Banco di Caribe, RBC Royal Bank, Toggle Navigation Banks Bank, and Groups Bank. The receiving bank must match the recipient details and accept the selected payout route. The manager confirms the bank, account or card format, and final amount before payment.
Recipient details for Curacao in ANG depend on the bank or payout channel named in the order. ATM24 may need the recipient name, MCB Bank or another bank, account or card data, and payment purpose. The sender pays only after those fields are confirmed. Bank-route examples for Curacao: MCB Bank, Banco di Caribe, RBC Royal Bank, Toggle Navigation Banks Bank, and Groups Bank.
For Curacao, an ANG payout may be fast only after the selected channel is checked. ATM24 reviews MCB Bank, Banco di Caribe, RBC Royal Bank, Toggle Navigation Banks Bank, and Groups Bank plus card or account payout options before giving timing. The manager confirms the expected time before the sender pays. Bank-route examples for Curacao: MCB Bank, Banco di Caribe, RBC Royal Bank, Toggle Navigation Banks Bank, and Groups Bank.
An ANG transfer to Curacao through ATM24 has a fee starting from 0.9%, but the useful number is the final amount after the route is checked. ATM24 confirms the Curacao Caribbean payout route, bank such as RBC Royal Bank, exchange conditions, sender's payment method, and payout amount. Any fee charged by the sender's card issuer or bank should be checked separately. Bank-route examples for Curacao: MCB Bank, Banco di Caribe, RBC Royal Bank, Toggle Navigation Banks Bank, and Groups Bank.
Payment for an ANG transfer to Curacao can be arranged through an available sender method after ATM24 checks the receiving route. The check includes the Curacao Caribbean payout route, bank such as RBC Royal Bank, fee from 0.9%, and exchange conditions. USDT network cost or card-issuer charges are confirmed separately. Bank-route examples for Curacao: MCB Bank, Banco di Caribe, RBC Royal Bank, Toggle Navigation Banks Bank, and Groups Bank.
The minimum transfer amount to Curacao in ANG through ATM24 starts from 100 USD or the equivalent. The maximum amount is confirmed before payment and depends on the Curacao Caribbean payout route, sender payment method, bank, recipient details, and possible document requirements. If the recipient changes MCB Bank to another bank or switches from account to card, the limit should be checked again. Bank-route examples for Curacao: MCB Bank, Banco di Caribe, RBC Royal Bank, Toggle Navigation Banks Bank, and Groups Bank.
For Curacao, extra documents for an ANG payout depend on the route through Banco di Caribe, RBC Royal Bank, or another confirmed channel. ATM24 may ask for identification, source of funds, recipient details, and payment-purpose wording. The list is confirmed after the amount and bank route are reviewed. Bank-route examples for Curacao: MCB Bank, Banco di Caribe, RBC Royal Bank, Toggle Navigation Banks Bank, and Groups Bank.
For Curacao, a 1000 USD transfer can produce a different ANG result depending on the receiving route: the current result in the ATM24 calculator. The ATM24 calculation includes Toggle Navigation Banks Bank or another confirmed bank, payout method, fee from 0.9%, and exchange conditions. The sender sees the final amount before payment. Bank-route examples for Curacao: MCB Bank, Banco di Caribe, RBC Royal Bank, Toggle Navigation Banks Bank, and Groups Bank.
Could not find an answer to your question?
Contact support
