Cusco receives thousands of travelers every day, and many rely on ATMs in Cusco to obtain local currency. Knowing the location and operation of each ATM in Cusco is key to avoiding unexpected issues. This practical information will help you manage your budget smoothly during your visit.
The best ATM in Cusco will allow you to withdraw soles or dollars quickly, depending on the machine. Most ATMs are located in the historic center, near hotels, restaurants, and agencies. Knowing which ATMs to use will save you time and reduce risks.
Using ATMs in a tourist city requires precautions to ensure your safety and protect your funds. Identifying the most reliable banks will give you peace of mind during your trip. With these tips, you’ll enjoy Cusco while keeping your money accessible at all times.
- What is an ATM and How to Use It in Cusco?
- Are Credit Cards Accepted in Cusco?
- Where to Find ATMs in Cusco
- Withdrawal Limits and Fees in Cusco
- ATM Fees in Peru
- ATMs in Cusco: Safety Tips for Using ATMs and Cards
- The Local Currency and Its Importance for Your Trip
- Frequently Asked Questions About ATMs in Cusco and Payments
- You might be interested in:
What is an ATM and How to Use It in Cusco?
An ATM allows fast and convenient banking operations. It works like a computer designed exclusively to handle money. ATMs in Cusco are essential for tourists who need access to cash during their trip.
With an ATM, you can withdraw cash in soles or dollars, depending on the available machine. Some ATMs also allow you to check balances or transfer money between accounts. These functions make ATMs in Cusco practical allies for any traveler.
If you’re wondering if ATMs in Cusco open 24 hours, the answer is yes. Most machines operate continuously and feature screens in multiple languages. This allows international visitors to use the service without difficulties.
To operate an ATM, you need a bank card and your personal identification number. This PIN acts as a password and protects your financial security. After entering it, follow the on-screen instructions and select the desired operation.
Main Features of ATMs in Cusco
Each ATM has visible parts that make transactions secure and straightforward. You’ll find a slot for inserting the card, a keypad for the PIN, and an interactive screen. In addition, there is a cash dispenser and a slot for receipts.
Many ATMs accept international cards, making it easier for tourists to access their funds. You’ll see logos of global networks like Visa or Mastercard on the machines. This compatibility ensures that ATMs in Cusco are accessible to travelers from different countries.
Using an ATM is more economical than relying on unreliable exchange services. Local banks usually offer better rates and greater security. For this reason, finding the best ATM in Cusco is a reliable and convenient option for your trip.
In summary, an ATM combines banking technology and accessibility to make your money transactions easier. With them, you can get cash or check account balances in seconds. ATMs in Cusco are, without a doubt, an indispensable tool for responsible travelers.
Are Credit Cards Accepted in Cusco?
The city of Cusco welcomes travelers from around the world every day. Many tourists wonder if they will be able to use their cards easily. The answer is yes, but there are important details to know before your trip.
In the Historic Center and San Blas, most businesses accept cards without issues. Restaurants, hotels, and tourist shops usually accept Visa and Mastercard. However, some establishments charge additional fees when processing foreign cards.
The more distant neighborhoods offer a more local and authentic experience. There, the custom is to pay directly in cash, especially in markets and small restaurants. Carrying small-denomination bills is always a good strategy to avoid problems with change.
As you walk through Cusco, you’ll find street vendors and traditional markets full of colors and aromas. These spaces rarely have electronic payment terminals. Therefore, carrying cash is essential if you plan to enjoy these unique experiences.
Using Cards in Hotels, Restaurants, and Agencies
In Cusco, most mid-range and high-end hotels accept cards without difficulty. This service provides convenience at check-in or check-out. Travelers value the peace of mind of not depending solely on cash.
Tourist restaurants also tend to accept credit cards, making it easier to enjoy the local cuisine. Before ordering, it’s advisable to confirm with the establishment to avoid surprises. Some businesses apply a small surcharge when using international cards.
Travel agencies in Cusco almost always accept card payments. This allows you to book tours and excursions safely and quickly. Thus, travelers can organize their itinerary without worrying about carrying large amounts of cash.
Types of Cards Accepted in Cusco
Visa and Mastercard are accepted at most of the city’s businesses. These networks offer broader coverage and security for international travelers. American Express, however, is accepted at fewer local establishments.
The use of contactless payments has begun to grow in the imperial city. This technology allows you to pay by tapping the card or mobile device on the terminal. Many travelers find this method fast and secure during transactions.
Not all businesses in Cusco have terminals compatible with this technology. Therefore, it’s always advisable to carry a physical card as a backup. Checking compatibility at each business will also help you avoid inconveniences.
Cash and ATMs in Cusco
Although credit cards are convenient, cash remains essential. ATMs in Cusco make it easy to withdraw money in soles or dollars, depending on the machine. Thanks to them, tourists can complement card use with local cash.
Combining both payment methods is the best strategy for your trip. Use cards in hotels and restaurants, and cash in markets and transportation. This way, you’ll enjoy the full experience without worrying about payment limitations.
Cusco has a solid infrastructure for accepting credit cards. Travelers have multiple options for making purchases and reservations. With the support of cash withdrawn from the best ATM in Cusco, the experience will be even more comfortable.
We recommend checking XE’s currency converter to get the updated exchange rate between the U.S. dollar and Peruvian sol. This tool updates in real time.
Where to Find ATMs in Cusco
Cusco is a vibrant city that welcomes visitors from all over the world. Many travelers prefer having cash available during their stay. For this purpose, ATMs in Cusco provide a wide and reliable network.
If you are wondering if ATMs in Cusco open 24 hours, the answer is yes. Most of them operate day and night, ensuring access to cash at any time. Major banks have branches with modern machines in strategic areas, making it easy to withdraw money conveniently and securely in the heart of the city.
Avenida El Sol is home to several options for those looking for the best ATM in Cusco. Here you’ll find machines from BCP, BBVA, Interbank, and Scotiabank. This avenue connects to the historic center and is very convenient for tourists.
In the Plaza de Armas, you’ll also find ATMs in Cusco near shops and restaurants. Their central location allows you to withdraw money before exploring the colonial streets. These ATMs are among the most popular choices for international travelers.
Banks and ATM Networks
Banco de Crédito del Perú (BCP) offers multiple ATMs across the city. The most accessible ATM in Cusco is located at Avenida El Sol 189. Its machines allow withdrawals in soles or dollars, depending on the traveler’s needs.
BBVA has ATMs in key locations such as Avenida Garcilaso and Avenida Velasco Astete. It also has a strong presence on Avenida El Sol. Many consider these machines a convenient choice when looking for the best ATM in Cusco near the central area.
Scotiabank provides ATMs on Maruri Street and in the San Blas neighborhood. Their strategic locations offer security and convenience for tourists. This bank is a reliable option for those seeking financial services in Cusco.
Banco de la Nación also offers ATMs on several main avenues. You’ll find machines on Avenida de la Cultura and Tomasa Tito Condemayta. These are useful alternatives for travelers staying outside the historic center.
Useful Tips for Using ATMs
ATMs in Cusco often charge fees for each transaction. It’s advisable to check with your bank about possible additional charges. Withdrawing larger amounts in fewer transactions helps reduce costs.
Some ATMs set daily withdrawal limits ranging between 400 and 700 soles. Plan your withdrawals to better manage your budget. Also, always carry small-denomination bills to make purchases easier in local markets.
Security is key when withdrawing cash. Choose ATMs that are well-lit and located on main avenues or in shopping centers. These areas have surveillance and higher pedestrian traffic.
ATMs in Cusco are strategically distributed to serve both tourists and residents. You’ll find reliable options at recognized banks and networks such as Global Net. With these services, you’ll enjoy your trip without financial worries.
ATM Locations by Bank
- BBVA:
- Garcilaso 300 Avenue
- Velasco Astete Avenue
- El Sol 366 Avenue
- Sacsayhuman 15 Street
- Urbanizatión Cachimayo C21a
- BanBif:
- Global Net:
- Velasco Astete Avenue
- La Cultura 2844 Avenue
- 294 San Andres Street
- La Cultura 2003 Avenue
- Portal de Confituría 221 – Plaza de Armas
- 1229 Tullumayo Avenue
- Large Limacpampa Square 530 (Centro de Cobranza MACG Service)
- 487 Hatunrumiyoc Street (Galería Hatunrumiyoc)
- 526 San Blas Hill (Hospedaje Cuesta San Blas)
- 366 Procuradores Street (Hospedaje Sumac Wasi)
- 601 Santa Ana hill (Loki Hostel Cusco)
- Mesón de la Estrella 120 – 122 – 124 Street (Tragamonedas Pares y Nones Cusco)
- Regocijo Square 261 (Restaurante El Truco).
- Scotiabank:
- Banco de la Nación:
- El Sol N.º 800 Avenue
- Tomasa Tito Condemayta N.º 1209
- Santa Catalina s/n Square
- Collasuyo N.º 2964 Avenue
- Micaela Bastidas L10 Avenue
- La Cultura N.º 733 Avenue
- 28 de julio Avenue
- Maruri N.º 228 Street
- Corner of Street Lima con Jirón Giraldo Ruiz Caro s/n
- Cusco N.º 142 C Avenue
- Corner of El Sol Avenue and Almagro Street s/n
Withdrawal Limits and Fees in Cusco
When traveling to Cusco, it’s important to understand how ATMs work. ATMs in Cusco allow withdrawals in soles or dollars. However, there are limits and fees to keep in mind before each transaction.
At most local banks, transaction limits range between 400 and 700 soles. This amount is roughly equivalent to 100 to 190 dollars, depending on the exchange rate. Such limits help keep transactions controlled and reinforce user security.
If you need more money, you can make additional withdrawals at the same ATM. Another option is to use ATMs in Cusco from different banks across the city. This way, you can access the cash you need without exceeding the daily limit.
Fees and Recommendations for Travelers
ATMs in Cusco often charge fees ranging between 18 and 36 soles per transaction. This amount varies depending on the bank and the card used. To reduce costs, it’s best to withdraw larger amounts in fewer transactions.
It’s advisable to check with your bank before traveling about international fees. Some banks charge additional fees for transactions involving foreign currencies. Knowing these conditions will help you plan your budget more efficiently.
ATMs in Cusco are safe if you know how to choose the right location. Withdraw cash from ATMs located inside banks or shopping centers. These areas have better lighting and stronger security.
Safety Tips
Before traveling, inform your bank about your itinerary in Peru. This will prevent blocks due to suspicious activity on your cards. Also, check each ATM in Cusco for signs of tampering or unusual devices.
Avoid withdrawing money late at night or in isolated areas. Carry only the cash you need for the day. With these practices, you’ll use the best ATM in Cusco safely and with complete peace of mind.
ATM Fees in Peru
Using ATMs in Cusco means considering different fees before withdrawing cash. Here’s a clear and reliable explanation:
Types of Fees When Using ATMs in Peru
- Fee from the local Peruvian bank: Almost all ATMs charge between $4 and $10 USD per withdrawal. Fees are usually higher in airports, hotels, and tourist areas.
- Fee from your issuing bank (your bank): Your financial institution may also charge you a fixed fee or an additional percentage for using ATMs abroad.
- Exchange rate and DCC: Avoid choosing charges in your local currency. By paying in soles, you avoid the unfavorable rates typically associated with Dynamic Currency Conversion (DCC).
Banks and Specific Fees (July 2025)
| Bank / Network | Approximate Fee | Withdrawal Limit |
| Banco de la Nación | 0 soles | S/ 400 |
| BCP | S/ 20–25 (~$6–7) | S/ 700 |
| BanBif | S/ 18–20 (~$5–6) | S/ 700 |
| Scotiabank | S/ 18–20 (~$5–6) | S/ 400 |
| BBVA Continental | S/ 18–25 (~$5–7) | S/ 400 |
| Interbank | S/ 20–25 (~$6–7) | S/ 400 |
| Red GlobalNet | S/ 19–36 (~$5–10) | S/ 400 |
Important Note: Fees and policies change frequently. Always check the ATM screen for updated fees before completing your transaction.
Useful Recommendations
- Prioritize withdrawing cash from Banco de la Nación ATMs.
- If using other banks such as BanBif or Scotiabank, consider larger and less frequent withdrawals.
- Always choose the option to pay in soles, not your local currency, to avoid costly conversions.
ATMs in Cusco: Safety Tips for Using ATMs and Cards
Cusco is a safe and welcoming destination for international travelers. However, it’s always wise to take precautions when handling money or cards. If you’re looking for the best ATM in Cusco, rest assured that ATMs in Cusco are reliable if used responsibly and attentively.
When paying with a card, always ensure the transaction is carried out on a visible terminal. Never allow your card to be taken out of your sight. Also, carefully check the displayed amount before confirming any transaction.
When using an ATM in Cusco, inspect the device before inserting your card. Avoid machines with loose parts, signs of tampering, or unusual attachments. This simple practice will help you prevent fraud or card cloning.
Disable the contactless payment option if you don’t use it frequently. Many banks allow you to manage this feature through their mobile apps. This adds an extra layer of security to your transactions in Cusco.
Practical Recommendations for Travelers
Save your bank’s emergency numbers before starting your trip. This measure will allow you to act quickly in case of loss or a block. It’s also advisable to activate mobile notifications to instantly detect suspicious activity.
Always carry an additional card issued by a different bank or network. This backup is useful if your primary card has issues. Likewise, keep a moderate amount of cash as a safe alternative.
ATMs in Cusco are often located in central areas with good security. Still, withdraw money preferably during the day and in busy places. This reduces risks and ensures greater peace of mind during your stay.
Security in Machu Picchu and the Sacred Valley
When visiting Aguas Calientes, most restaurants and hotels accept cards without problems. This makes it easier to plan your expenses for accessing Machu Picchu. However, always carry some cash for added convenience.
In Urubamba and Ollantaytambo, you’ll also find many businesses that accept cards. Even so, in smaller communities, only cash is used for purchases. Withdrawing money beforehand at an ATM in Cusco ensures you are well-prepared before exploring these areas.
Finally, remember that supporting local artisans is part of the experience. Their products are usually sold in markets that only accept cash. Combine cards and cash to enjoy every corner of Cusco with safety and confidence.
If you want to prepare even better for your adventure, don’t miss our Essential Guide to Cusco: Tips and Recommendations for Your Trip. There you’ll find practical information to make the most of every experience in the imperial city.
The Local Currency and Its Importance for Your Trip
In Peru, and particularly in Cusco, the official currency is the sol. All travelers should familiarize themselves with it before making purchases. ATMs in Cusco allow you to conveniently withdraw cash directly in soles.
Banknotes in circulation are 10, 20, 50, 100, and 200 soles. Each one has unique colors and designs that reflect Peruvian culture. Knowing them helps you pay confidently in shops, restaurants, and markets.
There are also coins of 1, 2, and 5 soles, as well as céntimos in various values. These are useful for taxis, tips, and small purchases. It’s advisable to always carry some change while exploring the city.
Although some places accept dollars, the sol remains the best option. Paying in local currency avoids confusion and possible unfavorable exchange rates. It also facilitates interaction with vendors in rural communities.
Practical Tips for Handling Cash in Cusco
ATMs in Cusco provide the safest way to get soles during your trip. Withdrawing directly in local currency reduces the risk of losing value through exchange. In addition, many ATMs in Cusco are open 24 hours, especially those located in central areas and inside banks.
When using large bills, try to break them at banks or larger businesses. Some small shops may not have enough change available. That’s why carrying smaller denominations is a great advantage.
When visiting traditional markets, you’ll always find better prices if you pay in cash. There, vendors prefer coins and commonly used bills. Soles will allow you to enjoy more authentic and closer experiences.
Knowing the local currency makes it easier to move around and shop during your trip. Using soles shows respect for the culture and simplifies your transactions. Thanks to ATMs in Cusco, accessing cash is simple and safe.
Before starting your adventure, remember that knowing how ATMs in Cusco work will help you manage your budget and enjoy your trip without setbacks. Plan your withdrawals, always carry some cash, and strategically combine payment methods. Get ready to experience every corner of Cusco worry-free and book your adventure today with Salkantay Trekking!
Frequently Asked Questions About ATMs in Cusco and Payments
- Which cards work in ATMs in Cusco?
Most ATMs accept Visa and Mastercard, and the GlobalNet network expands compatibility with American Express, PLUS, and Diners Club. - What fees should I expect when using an ATM in Cusco?
Withdrawals usually generate a fee of $4 to $10 USD, in addition to possible charges from your issuing bank. - Should I make the transaction in soles or dollars?
It’s more favorable to carry out the transaction in soles because it avoids unfavorable exchange rates. - What is the typical withdrawal limit at an ATM in Cusco?
Limits usually range between S/ 400 and S/ 700 per transaction or per day. - Can I make multiple withdrawals if I need more money than the limit?
Yes, you can reinsert your card to make multiple withdrawals up to your daily limit. You can also use an ATM from another bank if you’ve reached the limit. - Where are ATMs located in Cusco?
Most banks, such as BCP, BBVA, Scotiabank, and Banco de la Nación have ATMs in shopping centers and on main avenues. - Are ATMs in Cusco open 24 hours?
Yes, many ATMs in Cusco are open 24 hours a day, seven days a week, providing great flexibility. - How can I increase my security when using an ATM in Cusco?
Use ATMs inside banks or well-lit establishments. Avoid using them at night, in isolated areas, or if they show signs of tampering. - Why is it advisable to notify my bank that I will travel to Peru?
Notifying your bank prevents your card from being blocked due to suspicious activity during your trip. - Is it worth combining an ATM in Cusco with other payment methods?
Yes, withdrawing cash from an ATM in Cusco for areas where cards aren’t accepted, and combining them with cards in hotels or restaurants, is the safest strategy.
You might be interested in:
Leave A Reply