Should You Use Jamaican Dollars or US Dollars When Visiting Jamaica?

Your Money Guide from LivUp Jamaica Tours

One of the most common questions we get at LivUp Jamaica Tours is whether travelers should exchange their money into Jamaican Dollars (JMD) or just bring US Dollars (USD). The short answer? You can use both—but knowing when to use which can save you money and enhance your experience on the island.

1. Is the US Dollar Accepted in Jamaica?

Yes! US Dollars are widely accepted across Jamaica, especially in tourist-friendly areas like Montego Bay, Negril, Ocho Rios, and Kingston. Most hotels, tour companies (including LivUp Jamaica Tours), restaurants, and gift shops will gladly accept USD. In fact, many places price their services in US Dollars specifically for visitors’ convenience.

2. When Should You Use Jamaican Dollars?

Even though USD is accepted, there are times when paying in JMD is a better option:

  • Local Markets & Small Vendors: Craft vendors, local eateries, and taxi drivers often prefer Jamaican Dollars. Paying in JMD can also help you avoid inflated “tourist prices.”

  • Off-the-Beaten-Path Adventures: If you're exploring less touristy communities or taking more authentic excursions—like some of our more local, immersive tours—JMD will be your best bet.

  • Better Value: Some businesses that accept USD will give you change in JMD, often at a less favorable exchange rate. Using JMD directly keeps the math in your favor.

3. How to Get Jamaican Dollars

If you’d like to carry some local currency, here are your best options:

  • ATMs: These are widely available and dispense Jamaican Dollars. Just be sure to check with your bank about international fees.

  • Licensed Cambios and Banks: They often offer better exchange rates than hotels or airports.

  • Airport Exchanges: Convenient but usually not the best rates.

And don’t worry—if you book with LivUp Jamaica Tours, our team is always happy to point you toward a nearby cambio or ATM along your route.

4. How Much JMD Should You Carry?

You don’t need to convert your whole budget. Just having a bit of JMD on hand can make local transactions smoother—especially for small purchases, or enjoying a delicious roadside snack during one of our tours.

5. Tips for Managing Your Money in Jamaica

  • Ask Before You Pay: Prices can be listed in either USD or JMD. Don’t hesitate to clarify.

  • Keep Small Bills: Especially in rural areas, change for large bills (in either currency) may not always be available.

  • Mix It Up: A combination of USD and JMD offers flexibility and convenience.

Final Thoughts from LivUp Jamaica Tours There’s no need to stress about choosing one currency over the other—both are useful in different situations. I often hear people say they want to bring Jamaica currency for tipping, however, locals in the tourst-friendly areas prefer getting USD.

At LivUp Jamaica Tours, we want every part of your Jamaican adventure to be easy and enjoyable, from booking your excursions to knowing how to pay for your jerk chicken or Red Stripe.

Need help finding a cambio, or want tips on where to get the most value for your money while exploring? Just ask your LivUp tour guide—we’ve got you covered.

One Love and Safe Travels!

Creeton Shearer