Sint MaartenEUREuro
Sint Maarten is the Dutch half of the island, and its monetary system is organized differently than the French side. The official currency is the Caribbean guilder, which replaced the former Netherlands Antillean guilder in 2025, but in everyday transactions US dollars are accepted almost everywhere: the island's economy is based on cruise tourism. So the first step is to clarify the currency of the recipient's account—both the exchange rate and the final amount depend on it.
The route, the receiving bank and the payout amount are agreed before payment.
Sint Maarten is an autonomous country within the Kingdom of the Netherlands, occupying the southern part of Saint Martin island. The official currency is the Caribbean guilder (XCG), which in 2025 replaced the Netherlands Antillean guilder (ANG). At the same time, the US dollar is widely used in everyday transactions due to the island's tourism-based economy, so before making a transfer it's important to clarify which currency the recipient's account is held in. Sint Maarten should be distinguished from French Saint Martin on the northern half of the same island: the euro is used there and French banking details apply. IBAN format is not used in Sint Maarten: for international SWIFT transfers you typically need the bank's SWIFT/BIC code, account number, and recipient's full name.
The main business center is Philipsburg, and a significant portion of tourist and commercial infrastructure is also concentrated in the Simpson Bay area. The island's economy largely depends on tourism, cruise traffic, and Princess Juliana International Airport. The official languages are Dutch and English, with English widely used in everyday life and banking services; account details are issued in Latin characters. Sint Maarten operates on UTC−4 time zone, 7 hours behind Moscow. ATM24 verifies the available route, account currency, and receiving bank in advance before confirming your request. International SWIFT transfers typically take 2–5 business days. ATM24 commission starts from 0.9%.
The card network is well developed—the island relies on year-round cruise tourism. You'll need the card number and cardholder's name in Latin characters. Cards on the island are issued in both guilders and dollars. Transfer possibility is verified before payment
Account details without IBAN, but with mandatory currency verification. You'll need the account number, bank's SWIFT code, and recipient's name. The account can be held in either local currency or dollars—this affects the exchange rate. Make sure the account is opened on the Dutch half of the island
Cash withdrawal at the main city of the Dutch half. The main location is Philipsburg, the business and cruise center. Cash is available here in both guilders and dollars. How much you can withdraw at once will be confirmed when you place your order
For Sint Maarten you'll need an account number, the bank's SWIFT code, and the recipient's name in Latin characters; IBAN format is not used here. A key step that differs from most destinations is selecting the currency: the island has its own official currency, but US dollars are accepted almost everywhere in daily use, and the recipient's account can be opened in either currency.
We accept RUB, USD and USDT — we pay out in EUR
RUB EUR
0.009483per 1 RUB
10 000 ₽ = 94.83 EURUSD EUR
0.8395per 1 USD
100 $ = 83.95 EURUSDT EUR
0.8395per 1 USDT
100 USDT = 83.95 EUR| You send | Payout in EUR |
|---|---|
| 100 USDT | 83.95 EUR |
| 300 USDT | 252 EUR |
| 500 USDT | 420 EUR |
| 1 000 USDT | 840 EUR |
| 5 000 USDT | 4 198 EUR |
Where recipients usually get the money in Sint Maarten
Windward Islands Bank — a universal bank with retail and corporate services. Recipients may use an account, card, branch, or mobile banking.
RBC Royal Bank Sint Maarten — a commercial bank providing accounts, cards, and transfers. It is suitable for recipients who use bank account details.
FirstCaribbean Sint Maarten — a bank focused on everyday accounts and card operations. The recipient should provide the exact details and payout currency.
Orco Bank Sint Maarten — a bank serving personal customers and small businesses. Its services typically include accounts, cards, branches, and digital banking.
CMB Sint Maarten — 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 Caribbean guilder (XCG), introduced in 2025 in place of the Netherlands Antillean guilder; US dollar is also widely used in circulation.
Card systems
The Dutch part of the island uses the Netherlands Antillean guilder (ANG). Visa and Mastercard are accepted everywhere. RBC Royal Bank and Windward Islands Bank are the main banks. Infrastructure is shared with the French part of the island.
Payment applications
Sint Maarten has the status of a country within the Kingdom of the Netherlands.
Interbank transfers
IBAN format is not used: international transfers use the bank's SWIFT/BIC code and account number. The northern French part of the island—Saint Martin—should not be confused with Sint Maarten: the euro is used there and a different banking system is in place.
Special features for ATM24
Sint Maarten (Dutch part) has not imposed sanctions against Russia. Transfers are accepted in ANG (Netherlands Antillean guilder) and USD. ATM24 verifies the route before confirming your request.
Financial regulator
Central Bank of Curacao and Sint Maarten (CBCS)—the joint central bank of the two Dutch islands. FirstCaribbean (CIBC) and Windward Islands Bank accept international transfers.
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.
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We've gathered answers about payments on the Dutch half of the island and what we verify before sending money.
To arrange an ANG payout in Sint Maarten, ATM24 first checks the receiving channel for the Sint Maarten Caribbean payout route. The route is confirmed before payment, including Windward Islands Bank, RBC Royal Bank, card or account details, sender payment method, fee from 0.9%, and timing from 15 minutes. Bank-route examples for Sint Maarten: Windward Islands Bank, Republic Bank, RBC Royal Bank, CIBC Caribbean, and Banco di Caribe.
Yes, where available, the recipient can receive a transfer on a bank-issued card or bank account in Sint Maarten in ANG on the Sint Maarten Caribbean payout route. ATM24 checks the bank, card or account number, recipient name, and payout currency before payment; Visa, Mastercard, UnionPay, or local bank-card availability depends on the route. For example, Republic Bank may require a different set of details than CIBC Caribbean, so card and account routes are confirmed separately. Bank-route examples for Sint Maarten: Windward Islands Bank, Republic Bank, RBC Royal Bank, CIBC Caribbean, and Banco di Caribe.
For Sint Maarten, ATM24 can review an ANG payout through banks such as Windward Islands Bank, Republic Bank, RBC Royal Bank, CIBC Caribbean, and Banco di Caribe. The manager checks whether the selected bank route supports the incoming transfer and which account or card details are needed. The bank route is confirmed before payment.
To prepare an ANG payout in Sint Maarten, start with the exact recipient name and receiving route. ATM24 checks Republic Bank, RBC Royal Bank, card or account details, and any route-specific field before payment. The manager clarifies missing data before the order is paid. Bank-route examples for Sint Maarten: Windward Islands Bank, Republic Bank, RBC Royal Bank, CIBC Caribbean, and Banco di Caribe.
A money transfer to Sint Maarten in ANG can begin from 15 minutes, but timing is route-based. ATM24 checks recipient details, amount, and banks such as RBC Royal Bank or CIBC Caribbean. Documents or bank review can extend the processing time. Bank-route examples for Sint Maarten: Windward Islands Bank, Republic Bank, RBC Royal Bank, CIBC Caribbean, and Banco di Caribe.
The fee for sending money to Sint Maarten with payout in ANG is calculated from 0.9% through ATM24. ATM24 shows the sender the fee, exchange conditions, payout route through Republic Bank or RBC Royal Bank, and amount the recipient should receive before payment. Bank-transfer fees, card conversion fees, and DCC markups from the sender's provider are separate. Bank-route examples for Sint Maarten: Windward Islands Bank, Republic Bank, RBC Royal Bank, CIBC Caribbean, and Banco di Caribe.
Payment for an ANG transfer to Sint Maarten can be arranged through an available sender method after ATM24 checks the receiving route. The check includes the Sint Maarten 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 Sint Maarten: Windward Islands Bank, Republic Bank, RBC Royal Bank, CIBC Caribbean, and Banco di Caribe.
ATM24 accepts transfers to Sint Maarten in ANG from 100 USD or the equivalent. The maximum amount is not a single country-wide number; it depends on the Sint Maarten Caribbean payout route, bank rules, payout channel, sender payment method, and recipient data. For a large transfer, the manager confirms the limit and documents before the sender pays. Bank-route examples for Sint Maarten: Windward Islands Bank, Republic Bank, RBC Royal Bank, CIBC Caribbean, and Banco di Caribe.
A large ANG payout to Sint Maarten can need document checks when the amount, bank, or recipient route requires it. ATM24 reviews Windward Islands Bank, Republic Bank, RBC Royal Bank, CIBC Caribbean, and Banco di Caribe with sender ID, source-of-funds details, and payment purpose if needed. The sender receives the checklist before payment. Bank-route examples for Sint Maarten: Windward Islands Bank, Republic Bank, RBC Royal Bank, CIBC Caribbean, and Banco di Caribe.
For a 1000 USD transfer to Sint Maarten, the live ANG estimate depends on the current ATM24 route: the current result in the ATM24 calculator. ATM24 calculates fee from 0.9%, exchange conditions, and the recipient route through Windward Islands Bank or Republic Bank. The final ANG amount is fixed before payment. Bank-route examples for Sint Maarten: Windward Islands Bank, Republic Bank, RBC Royal Bank, CIBC Caribbean, and Banco di Caribe.
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