PalauUSDUS Dollar
Palau has no currency of its own: transactions are conducted in US dollars, so the exchange rate on this corridor is not negotiable. The difference from neighboring Pacific nations is elsewhere—Palau lives on tourism and diving, so cards are accepted more widely here than on remote atolls in the region. Banks and cash-out points are concentrated in Koror, the country's main city.
The route, the receiving bank and the payout amount are agreed before payment.
The official currency is the US dollar (USD); the country does not issue its own national currency. Palau is an island nation in the western Pacific Ocean in free association with the United States, so the dollar is used in everyday and banking transactions. The country's economy is largely based on tourism and diving, particularly around the Rock Islands; Palau is also known for being among the first in the world to implement large-scale national shark protection. Card payments are widely accepted in the tourism sector, which simplifies the use of funds after credit. The capital is Ngerulmud, a specially built administrative center with a very small population, while the main banking, commercial, and business activity is concentrated in Koror. Therefore, banking details and recipient service points are usually associated with Koror. IBAN format is not used in Palau: for international SWIFT transfers, you typically need the bank's SWIFT/BIC code, account number, and recipient's full name.
Palau has not imposed its own sanctions against Russia, but any specific transfer depends on the recipient bank, correspondent chain, and standard AML/KYC checks. The official languages are Palauan and English, so banking details are usually processed in English and using Latin characters. Palau operates on UTC+9 time zone, 6 hours ahead of Moscow. ATM24 verifies the available route in advance before confirming the application. International SWIFT credit takes 2–5 business days. ATM24 commission starts from 0.9%.
The tourism economy keeps the card network active year-round. You need the 16-digit card number and the cardholder's name as shown in their document. Card currency is only one—US dollars. The possibility of crediting to the card is confirmed in advance
Details are brief: the bank's SWIFT code, account number, and recipient's name. The name is written in English, exactly as shown in the recipient's document. Verify the bank name from the recipient's statement, not by ear. The route to the bank is checked before sending money
Cash withdrawal in the country's main city, where banks are located. Koror is Palau's business center; the capital Ngerulmud is nearly deserted. Remote islands in the archipelago have no branch offices. The amount for withdrawal is agreed upon when the application is submitted
When submitting a transfer to Palau, provide the recipient bank's SWIFT code, account number, and name in English; Palau does not use IBAN format. The exchange rate is not negotiable—the country operates on US dollars. Palau has not imposed sanctions against Russia. The only thing worth clarifying in advance is which bank serves the recipient: options on the islands are limited, and the choice determines the route.
We accept RUB, EUR and USDT — we pay out in USD
RUB USD
0.0106per 1 RUB
10 000 ₽ = 106 USDEUR USD
1.08per 1 EUR
100 € = 108 USDUSDT USD
0.95per 1 USDT
100 USDT = 95 USD| You send | Payout in USD |
|---|---|
| 100 USDT | 95 USD |
| 300 USDT | 285 USD |
| 500 USDT | 475 USD |
| 1 000 USDT | 950 USD |
| 5 000 USDT | 4 750 USD |
Where recipients usually get the money in Palau
Bank of Hawaii Palau — a universal bank with retail and corporate services. Recipients may use an account, card, branch, or mobile banking.
Pacific Savings Bank Palau — a savings institution or credit union offering customer accounts, deposits, cards, and local payments.
Bank of Guam Palau — a bank focused on everyday accounts and card operations. The recipient should provide the exact details and payout currency.
First Hawaiian Bank Palau — a bank serving personal customers and small businesses. Its services typically include accounts, cards, branches, and digital banking.
ANZ Palau — a local bank with standard account and cash services. Transfer availability depends on the details, currency, and bank rules.
National Currency
The official currency is the US dollar (USD); Palau has no currency of its own. USD has been in circulation since 1944. Banking infrastructure is limited.
Card Systems
The country uses the US dollar (USD). Visa and Mastercard are accepted in tourist zones. NDBP (National Development Bank of Palau) is the main bank. Pacific Savings Bank also operates in the market.
Payment Applications
Palau is in free association with the United States.
Interbank Transfers
IBAN format is not used: international transfers use the bank's SWIFT/BIC code and account number.
Financial Regulator
Financial Institutions Commission of Palau is the financial regulator; major banks are Pacific Banking Corp and First Hawaiian Bank (Palau). Palau has not imposed sanctions against Russia.
Special Features for ATM24
Palau has not imposed its own sanctions against 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
Trustpilot
Emil helped me a lot with the translation, supervised me the whole deal and explained everything, which I am very grateful and grateful to him. I got the money in 2-3 hours.Recommended.
Read full reviewThe exchange happened for the amount we agreed on Special thanks to manager Sofa, who patiently explained and helped when we made mistakes)
Read full reviewAbout exchanging currency from SPB Tinkoff (T-bank) to dirham cash. Since I am in Dubai (today 16.06.2025) I was honestly afraid to exchange. I found someone’s article and there was a link to “trusted exchangers.” I moved to WhatsApp, we chatted. I exchanged 500 through the ATM. Everything was successful, but I still worried terribly. I communicated with manager Ekaterina. When I transferred the money, she wrote to me "waiting for confirmation from the recipient" and so for each stage. No commissions. You just enter 6 digits at the ATM and get the cash. It was my first time and only once so far, everything went well! I even asked AI about the company’s reliability))) AI replied that it’s reliable, provided facts from the web and reviews. That’s why I actually decided to send the money. Very glad that everything went well, thanks to whoever came up with this and to Ekaterina))
Read full reviewI was worried because it was my first time doing a transaction at this place, but everything turned out much better—the rate was much better than what my guide offered; with her I would have lost 1500 baht. Very convenient and fast. Thanks.
Read full reviewAlisa! You really helped today 👍 we withdrew money ourselves, everything was explained step by step and clearly 👍 thanks for the prompt answers
Read full reviewWe agree the rate and the payout method before payment — pick where the money goes.
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We've collected answers about the dollar on the islands, about the capital and Koror, and how money reaches the recipient.
To send money to Palau with payout in USD through ATM24, start with the recipient's exact route for the Palau Pacific USD payout route. ATM24 confirms the amount, payment method, fee from 0.9%, timing from 15 minutes, and bank such as Bank of Guam. Bank-route examples for Palau: Bank of Guam, Bank of Hawaii, and Bank Pacific.
A card or bank-account payout in Palau in USD is possible only when the selected route supports it. ATM24 verifies whether the recipient's card, account number, and name match the Palau Pacific USD payout route. The manager confirms the selected bank, such as Bank of Guam or Bank Pacific, before payment because card and account rules may differ. Bank-route examples for Palau: Bank of Guam, Bank of Hawaii, and Bank Pacific.
For bank payout in Palau, useful USD references include Bank of Guam, Bank of Hawaii, and Bank Pacific. ATM24 treats the bank named by the recipient as the working route and checks recipient name, account data, and route availability. The sender pays after that bank route is confirmed.
For Palau, ATM24 does not use one universal recipient form for every USD transfer. The details are checked by route: Bank of Guam, Bank of Hawaii, and Bank Pacific, card payout, account payout. Name, account/card data, and payout currency must match the selected option. Bank-route examples for Palau: Bank of Guam, Bank of Hawaii, and Bank Pacific.
A USD transfer to Palau can start from 15 minutes after ATM24 confirms the recipient route. Timing depends on amount, recipient details, and Palau Pacific USD payout route, Bank of Guam, Bank of Hawaii, Bank Pacific, card route, account route, and separate checks for Bank of Guam and Bank Pacific. The expected payout window is shown before payment. Bank-route examples for Palau: Bank of Guam, Bank of Hawaii, and Bank Pacific.
The ATM24 fee for sending money to Palau with payout in USD starts from 0.9% on the Palau Pacific USD payout route. The final calculation depends on the amount, payment currency, payout method, exchange rate, and the recipient's bank. If the sender pays by an international card or through a bank transfer, the card issuer or sending bank may charge its own foreign transaction, conversion, transfer, or dynamic currency conversion fee. Bank-route examples for Palau: Bank of Guam, Bank of Hawaii, and Bank Pacific.
Payment for a USD transfer to Palau can be arranged through an available sender method after ATM24 checks the receiving route. The check includes the Palau Pacific USD payout route, bank such as Bank Pacific, fee from 0.9%, and exchange conditions. USDT network cost or card-issuer charges are confirmed separately. Bank-route examples for Palau: Bank of Guam, Bank of Hawaii, and Bank Pacific.
The minimum transfer amount to Palau in USD through ATM24 starts from 100 USD or the equivalent. The maximum amount is confirmed before payment and depends on the Palau Pacific USD payout route, sender payment method, bank, recipient details, and possible document requirements. If the recipient changes Bank of Guam to another bank or switches from account to card, the limit should be checked again. Bank-route examples for Palau: Bank of Guam, Bank of Hawaii, and Bank Pacific.
For a large USD transfer to Palau, ATM24 reviews documents around Palau Pacific USD payout route, Bank of Guam, Bank of Hawaii, recipient-name match, route limit, payment purpose, source-of-funds review, and separate checks for Bank of Guam and Bank Pacific. The request may require sender ID, source-of-funds details, recipient bank data, and payment purpose. The manager confirms the exact list before payment. Bank-route examples for Palau: Bank of Guam, Bank of Hawaii, and Bank Pacific.
If you send 1000 USD to Palau, the recipient amount in USD is not a generic market-rate number: 1,000 USD. The calculation uses the payout route, bank such as Bank Pacific, fee from 0.9%, and exchange conditions. ATM24 confirms the final amount before the sender pays. Bank-route examples for Palau: Bank of Guam, Bank of Hawaii, and Bank Pacific.
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