The Cook Islands use the New Zealand dollar (NZD), alongside locally minted Cook Islands coins and notes that are valid only on the islands. Almost all services are on Rarotonga, around Avarua, with limited options on Aitutaki.
Visitors from Australia, the United States and Europe usually exchange their currency on arrival in Rarotonga or in Auckland beforehand. For a direct swap of US dollars and New Zealand dollars in the Cook Islands, check the listings on the map.
