VanuatuVUVVanuatu Vatu
The currency in Vanuatu is vatu, and it has a feature rare for world currencies: there is no subunit at all. No cents, no kopecks - all amounts are whole, and denominations are large. For the sender, this means there will be no fractional values in the application, and the digit order should be double-checked.
The route, the receiving bank and the payout amount are agreed before payment.
The national currency is vatu (VUV). It has no subunit: all transactions are conducted only in whole numbers, without cents or their equivalents. Because of this, amounts may look unusually large, but fractional parts are not used in bank settlements. Vanuatu's economy relies largely on tourism and international financial services, which influences the nature of incoming payments. The IBAN format is not used in the country: for international SWIFT transfer, you typically need the bank's SWIFT/BIC code, account number and recipient's full name.
The main banking centers are Port Vila and Luganville. The country has three official languages - Bislama, English and French; in addition, over a hundred local languages are used. Bislama is a creole language based on English, however banking documents and international details are usually drawn up in English and Latin characters. The capital is Port Vila. Vanuatu operates on UTC+11 timezone and is 8 hours ahead of Moscow. ATM24 checks the available route in advance before confirming the application. The timeline for international SWIFT credit is 2–5 business days. ATM24 commission from 0.9%.
Card networks operate in Port Vila and tourist locations. In the application, specify the card number and cardholder name in Latin characters. The amount in vatu is always whole - fractional values do not occur. The possibility of credit is verified before payment
Account number, bank SWIFT code and recipient's name - that's all you need. English is common in banks, transliteration will not be required. Check the digit order: denominations here are large. The route to the bank is verified before sending money
You can withdraw cash in Port Vila and on the island of Espiritu Santo. Main locations - Port Vila and Luganville. Small islands of the archipelago have no branches. How much you can withdraw at once will be stated during the application
In an application to Vanuatu, specify the account number, the bank's SWIFT code and the recipient's name in English - IBAN is not used on the islands. Separately verify the digit order: vatu is not divided into cents, amounts are always whole, and denominations are large, so an extra zero is harder to notice than in familiar currency. Money to Vanuatu goes via SWIFT through a correspondent bank, and can be withdrawn to account, card or as cash. The result is fixed in the application before payment.
We accept RUB, USD, EUR and USDT — we pay out in VUV
RUB VUV
1.26per 1 RUB
10 000 ₽ = 12 555 VUVUSD VUV
112.56per 1 USD
100 $ = 11 256 VUVEUR VUV
127.6per 1 EUR
100 € = 12 760 VUVUSDT VUV
112.56per 1 USDT
100 USDT = 11 256 VUV| You send | Payout in VUV |
|---|---|
| 100 USDT | 11 256 VUV |
| 300 USDT | 33 768 VUV |
| 500 USDT | 56 281 VUV |
| 1 000 USDT | 112 562 VUV |
| 5 000 USDT | 562 808 VUV |
Where recipients usually get the money in Vanuatu
ANZ Vanuatu — a universal bank with retail and corporate services. Recipients may use an account, card, branch, or mobile banking.
Westpac Vanuatu — a commercial bank providing accounts, cards, and transfers. It is suitable for recipients who use bank account details.
Bred Bank Vanuatu — a bank focused on everyday accounts and card operations. The recipient should provide the exact details and payout currency.
NBV National Bank of Vanuatu — a bank serving personal customers and small businesses. Its services typically include accounts, cards, branches, and digital banking.
BSP Financial Group Vanuatu — a financial group or banking holding company whose services may include banking, payments, and corporate accounts.
National currency
The national currency is vatu (VUV), which has no subunit.
Card systems
Visa and Mastercard are accepted in Port Vila. ANZ Vanuatu and BSP are the main banks. The country uses vatu (VUV). Digicel MyCash is available for mobile transfers. Most of the population works with cash.
Payment applications
Official languages are Bislama, English and French.
Interbank transfers
The IBAN format is not used in Vanuatu: for international transfers, the bank's SWIFT/BIC code and account number are used. The main banking centers are Port Vila and Luganville.
Financial regulator
The capital is Port Vila.
Features for ATM24
Vanuatu operates on UTC+11 timezone and is 8 hours ahead of Moscow.
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
Satisfied. They brought the requested amount. Manager Ekaterina did everything well and quickly. On site I transferred from the app to a Russian bank and received the money from the courier.
Read full review29.12.2025 I exchanged rubles online for Thai cash... Everything’s cool... Huge thanks to the guys, they helped and advised me since it was my first time changing!
Read full reviewEverything is clear, fast. They stay in touch and explain every stage of the deal, great people. The rate may sting a bit, but it’s a fast way to get cash.
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.
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I've been exchanging with manager Alisa for 3 years now, both by courier and via ATM, quickly and efficiently!
Read full reviewWe ended up in an absurd situation. We arrived in Thailand with no cash, with a Mir card. Naturally you can't withdraw money anywhere and this service saved us!!! Everything was done promptly. Manager Stanislav, thank you for your work. I think we'll definitely turn to you again.
Read full reviewWe agree the rate and the payout method before payment — pick where the money goes.
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We've compiled answers about vatu, its unusual structure and the procedure for transfers from Russia.
To arrange a VUV payout in Vanuatu, ATM24 first checks the receiving channel for the Vanuatu VUV payout route. The route is confirmed before payment, including National Bank of Vanuatu, Vatu Bank, card or account details, sender payment method, fee from 0.9%, and timing from 15 minutes. Bank-route examples for Vanuatu: National Bank of Vanuatu, ANZ Vanuatu, Vatu Bank, ASIA MERCHANT BANK LIMITED, and ANZ BANK (VANUATU) LTD.
Yes, where available, the recipient can receive a transfer on a bank-issued card or bank account in Vanuatu in VUV on the Vanuatu VUV 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, ANZ Vanuatu may require a different set of details than ASIA MERCHANT BANK LIMITED, so card and account routes are confirmed separately. Bank-route examples for Vanuatu: National Bank of Vanuatu, ANZ Vanuatu, Vatu Bank, ASIA MERCHANT BANK LIMITED, and ANZ BANK (VANUATU) LTD.
For Vanuatu, ATM24 can review a VUV payout through banks such as National Bank of Vanuatu, ANZ Vanuatu, Vatu Bank, ASIA MERCHANT BANK LIMITED, and ANZ BANK (VANUATU) LTD. 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 a VUV payout in Vanuatu, start with the exact recipient name and receiving route. ATM24 checks ANZ Vanuatu, Vatu 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 Vanuatu: National Bank of Vanuatu, ANZ Vanuatu, Vatu Bank, ASIA MERCHANT BANK LIMITED, and ANZ BANK (VANUATU) LTD.
A money transfer to Vanuatu in VUV can begin from 15 minutes, but timing is route-based. ATM24 checks recipient details, amount, and banks such as Vatu Bank or ASIA MERCHANT BANK LIMITED. Documents or bank review can extend the processing time. Bank-route examples for Vanuatu: National Bank of Vanuatu, ANZ Vanuatu, Vatu Bank, ASIA MERCHANT BANK LIMITED, and ANZ BANK (VANUATU) LTD.
The fee for sending money to Vanuatu with payout in VUV is calculated from 0.9% through ATM24. ATM24 shows the sender the fee, exchange conditions, payout route through ANZ Vanuatu or Vatu 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 Vanuatu: National Bank of Vanuatu, ANZ Vanuatu, Vatu Bank, ASIA MERCHANT BANK LIMITED, and ANZ BANK (VANUATU) LTD.
Yes, ATM24 can calculate a transfer to Vanuatu in VUV where the sender pays by card, bank transfer, USDT, or another available method. ATM24 checks the Vanuatu VUV payout route, payment currency, exchange conditions, bank details such as National Bank of Vanuatu or Vatu Bank, and the final payout amount. Sender-side card or bank fees are separate from the ATM24 calculation. Bank-route examples for Vanuatu: National Bank of Vanuatu, ANZ Vanuatu, Vatu Bank, ASIA MERCHANT BANK LIMITED, and ANZ BANK (VANUATU) LTD.
For Vanuatu, the minimum VUV transfer through ATM24 starts from 100 USD or the equivalent. The upper limit is route-based: the manager checks National Bank of Vanuatu, ANZ Vanuatu, recipient details, payout method, and document requirements before payment. A route through ANZ Vanuatu may have different limits than a card or non-bank payout. Bank-route examples for Vanuatu: National Bank of Vanuatu, ANZ Vanuatu, Vatu Bank, ASIA MERCHANT BANK LIMITED, and ANZ BANK (VANUATU) LTD.
A large VUV payout to Vanuatu can need document checks when the amount, bank, or recipient route requires it. ATM24 reviews National Bank of Vanuatu, ANZ Vanuatu, Vatu Bank, ASIA MERCHANT BANK LIMITED, and ANZ BANK (VANUATU) LTD with sender ID, source-of-funds details, and payment purpose if needed. The sender receives the checklist before payment. Bank-route examples for Vanuatu: National Bank of Vanuatu, ANZ Vanuatu, Vatu Bank, ASIA MERCHANT BANK LIMITED, and ANZ BANK (VANUATU) LTD.
For a 1000 USD transfer to Vanuatu, the live VUV estimate depends on the current ATM24 route: 112,561.61 VUV. ATM24 calculates fee from 0.9%, exchange conditions, and the recipient route through National Bank of Vanuatu or ANZ Vanuatu. The final VUV amount is fixed before payment. Bank-route examples for Vanuatu: National Bank of Vanuatu, ANZ Vanuatu, Vatu Bank, ASIA MERCHANT BANK LIMITED, and ANZ BANK (VANUATU) LTD.
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