{"id":45025,"date":"2024-08-01T22:02:47","date_gmt":"2024-08-02T02:02:47","guid":{"rendered":"https:\/\/remote-expeditions.com\/?p=45025"},"modified":"2026-04-17T00:00:32","modified_gmt":"2026-04-17T05:00:32","slug":"currency-in-panama-paying-atm-exchanging-money-etc","status":"publish","type":"travel-guide","link":"https:\/\/remote-expeditions.com\/fr\/guide-de-voyage\/currency-in-panama-paying-atm-exchanging-money-etc\/","title":{"rendered":"Currency in Panama: Paying, ATM; Exchanging money, etc&#8230;"},"content":{"rendered":"<h2>Understanding Panama&#8217;s Currency<\/h2>\n<h3>Le Syst\u00e8me de Double Monnaie : USD et Balboa (PAB)<\/h3>\n<p>Le Panama poss\u00e8de un syst\u00e8me unique de double devise. Bien que sa monnaie officielle soit le Balboa panam\u00e9en (PAB), le pays utilise le dollar am\u00e9ricain (USD) pour toutes les transactions en esp\u00e8ces. Le Balboa est d\u00e9finitivement index\u00e9 sur le dollar am\u00e9ricain \u00e0 un taux de 1:1, ce qui signifie qu'un Balboa est toujours \u00e9gal \u00e0 un dollar am\u00e9ricain.<\/p>\n<p>You will only encounter the Balboa in coin form, which circulates alongside US coins. These include denominations of 1, 5, 10, 25, and 50 cents, as well as a popular $1 coin. Prices in shops and restaurants may be listed with a &#8220;B\/.&#8221; or a &#8220;$&#8221; sign, but the value is identical.<\/p>\n<p>Pour nos voyageurs des \u00c9tats-Unis, ce syst\u00e8me est exceptionnellement pratique. Vous n'avez pas besoin d'\u00e9changer vos dollars am\u00e9ricains contre une autre monnaie papier avant ou pendant votre voyage.<\/p>\n<h2>Comment payer : en esp\u00e8ces ou par carte<\/h2>\n<h3>Utiliser de l'argent (dollars am\u00e9ricains)<\/h3>\n<ul>\n<li><strong>Small Bills are Key:<\/strong> We highly recommend carrying a good supply of small denomination US bills, such as $1, $5, $10, and $20 notes. These are essential for daily purchases, taxis, and small vendors.<\/li>\n<li><strong>Large Bills ($50, $100):<\/strong> Larger bills can be very difficult to use, especially at smaller shops, local restaurants, and in rural areas. Many businesses are reluctant to accept them due to concerns about counterfeit currency and a lack of sufficient change.<\/li>\n<li><strong>Receiving Change:<\/strong> When you pay in US dollars, expect to receive your change as a mixture of US currency and Panamanian Balboa coins. We encourage you to use these coins for small purchases like snacks, drinks, or local bus fares.<\/li>\n<\/ul>\n<h3>Utilisation des cartes de cr\u00e9dit et de d\u00e9bit<\/h3>\n<ul>\n<li><strong>Where They Work:<\/strong> Credit and debit cards are widely accepted in Panama City and other major tourist centers, particularly at mid-to-high-end hotels, established restaurants, and large supermarkets.<\/li>\n<li><strong>Where They Don&#8217;t:<\/strong> Cash remains essential for transactions in rural areas, smaller towns, local markets, and on island archipelagos like the San Blas.<\/li>\n<li><strong>Accepted Cards:<\/strong> Visa and Mastercard are the most commonly accepted cards. American Express is accepted less frequently, so it is wise to have an alternative.<\/li>\n<\/ul>\n<h4>\u00c9tapes importantes avant le voyage :<\/h4>\n<ul>\n<li>Notify your bank and credit card companies of your travel dates and destinations. This is a crucial step to prevent your cards from being flagged for suspicious activity and blocked.<\/li>\n<li>Renseignez-vous sur les frais de transaction \u00e0 l'\u00e9tranger associ\u00e9s \u00e0 vos cartes. Si possible, envisagez de voyager avec une carte qui annule ces frais pour \u00e9viter des frais inutiles.<\/li>\n<\/ul>\n<p>Bien que les cartes soient pratiques dans les centres urbains, nous vous conseillons vivement de toujours avoir sur vous une r\u00e9serve suffisante d'argent liquide pour les besoins impr\u00e9vus, les petits commer\u00e7ants ou les excursions dans des r\u00e9gions plus recul\u00e9es.<\/p>\n<h2>Acc\u00e8s aux esp\u00e8ces : Guichets automatiques<\/h2>\n<h3>Locating ATMs (<code>Cajeros Autom\u00e1ticos<\/code>)<\/h3>\n<p>ATMs, known locally as <code>Cajeros Autom\u00e1ticos<\/code>, are readily available in cities and larger towns. You can typically find them at banks, inside shopping malls, and at some large grocery stores.<\/p>\n<p><strong>Remote Area Warning:<\/strong> Please be aware that ATMs are scarce or entirely non-existent in remote regions, national parks, and on the islands. It is vital to plan ahead and withdraw sufficient cash before venturing into these areas.<\/p>\n<p>Destinations such as the San Blas Islands or remote parts of the Dari\u00e9n region are entirely cash-based economies. It is imperative to withdraw all the cash you will need before visiting these areas.<\/p>\n<h3>Frais et limites de retrait<\/h3>\n<ul>\n<li><strong>Double Fees:<\/strong> When using an ATM, anticipate being charged two separate fees: one by the local Panamanian bank (typically $5-$6 per transaction) and another by your own home bank for using an out-of-network machine.<\/li>\n<li><strong>Withdrawal Limits:<\/strong> Most Panamanian ATMs impose a withdrawal limit of around $250 to $500 per transaction. Your home bank will also have its own daily withdrawal limit, which you should confirm before your trip.<\/li>\n<li><strong>Dispensed Currency:<\/strong> ATMs in Panama exclusively dispense US Dollars.<\/li>\n<\/ul>\n<h3>S\u00e9curit\u00e9 des guichets automatiques<\/h3>\n<ul>\n<li>Dans la mesure du possible, utilisez des guichets automatiques situ\u00e9s \u00e0 l'int\u00e9rieur d'une banque ou dans un endroit public bien \u00e9clair\u00e9, comme un centre commercial, plut\u00f4t qu'un guichet situ\u00e9 dans la rue.<\/li>\n<li>Soyez toujours conscient de votre environnement lorsque vous retirez de l'argent. Prot\u00e9gez le clavier avec votre main lorsque vous entrez votre code PIN.<\/li>\n<li>Nous recommandons d'\u00e9viter l'utilisation de distributeurs automatiques de billets autonomes dans les rues calmes, en particulier apr\u00e8s la tomb\u00e9e de la nuit.<\/li>\n<\/ul>\n<h2>\u00c9change de devises \u00e9trang\u00e8res<\/h2>\n<h3>Pour les voyageurs avec des dollars am\u00e9ricains<\/h3>\n<p>Aucun \u00e9change de devise n'est n\u00e9cessaire. Vous pouvez utiliser directement vos dollars am\u00e9ricains pour toutes les transactions dans tout le pays.<\/p>\n<h3>Pour les voyageurs avec d'autres devises (EUR, CAD, GBP, etc.)<\/h3>\n<ul>\n<li><strong>Best Practice:<\/strong> It is generally more practical and cost-effective to withdraw US dollars from an ATM upon your arrival in Panama rather than bringing your home currency to exchange.<\/li>\n<li><strong>Where to Exchange:<\/strong> If you must exchange cash, please do so at a reputable bank or a <em>casa de cambio<\/em> (exchange house) in Panama City to secure the most favorable rates.<\/li>\n<li><strong>Airport Exchange:<\/strong> We advise against exchanging money at the airport. The rates and commission fees offered there are typically very poor.<\/li>\n<li><strong>Difficulty Outside the City:<\/strong> Be aware that exchanging any currency other than US dollars is extremely difficult, if not impossible, once you leave Panama City.<\/li>\n<\/ul>\n<h2>Coutumes en mati\u00e8re de pourboires<\/h2>\n<h3>Directives g\u00e9n\u00e9rales<\/h3>\n<ul>\n<li>Le pourboire est une mani\u00e8re habituelle de montrer son appr\u00e9ciation pour un bon service au Panama, bien que ce ne soit pas toujours obligatoire.<\/li>\n<li>Tous les pourboires doivent \u00eatre donn\u00e9s en esp\u00e8ces, en dollars am\u00e9ricains.<\/li>\n<\/ul>\n<h3>Restaurants et bars<\/h3>\n<ul>\n<li><strong>Standard Tip:<\/strong> For good service at a sit-down restaurant, a tip of 10% is the standard and is greatly appreciated.<\/li>\n<li><strong>Check the Bill:<\/strong> Before tipping, always review your receipt. Some establishments, particularly in tourist-heavy areas, may automatically include a 10% service charge, often listed as <em>servicio<\/em> or <em>pourboire<\/em>.<\/li>\n<li>Pour les barmen, laisser 1 $ par verre ou 10 % de la note totale est une pratique courante pour un bon service.<\/li>\n<\/ul>\n<h3>Guides touristiques et chauffeurs<\/h3>\n<ul>\n<li><strong>Guides touristiques :<\/strong> For a full-day tour, a tip of $10 to $20 per person is a thoughtful gesture for an informative and enjoyable experience.<\/li>\n<li><strong>Pilotes priv\u00e9s :<\/strong> We suggest $5 to $10 for a half-day of service, and $10 to $20 for a full day.<\/li>\n<li><strong>Chauffeurs de taxi :<\/strong> Tipping is not expected for standard taxi rides, but rounding up the fare to the nearest dollar is a common and appreciated gesture.<\/li>\n<\/ul>\n<h3>Personnel de l'h\u00f4tel<\/h3>\n<ul>\n<li><strong>Bellhops:<\/strong> A tip of $1 to $2 per bag is appropriate for their assistance.<\/li>\n<li><strong>M\u00e9nage :<\/strong> We recommend leaving $2 to $5 per day for the housekeeping staff. It is best to leave the cash on the pillow or in a clearly marked envelope to ensure it is received.<\/li>\n<\/ul>","protected":false},"excerpt":{"rendered":"<p>Navigate Panama&#8217;s currency essentials: ATMs, payments, and money exchange tips.<\/p>","protected":false},"featured_media":46760,"template":"","meta":{"_acf_changed":false,"_seopress_robots_primary_cat":"","_seopress_titles_title":"Currency in Panama: Paying, ATM; Exchanging money, etc&#8230;","_seopress_titles_desc":"Navigate Panama's currency essentials: ATMs, payments, and money exchange tips.","_seopress_robots_index":""},"tags":[26024,28069,561],"article-type":[24794],"collection":[27040],"continent":[24764],"country":[20],"class_list":["post-45025","travel-guide","type-travel-guide","status-publish","has-post-thumbnail","hentry","tag-currency","tag-money-exchange","tag-panama","article-type-practical-information","collection-repull","continent-central-america","country-panama"],"acf":[],"_links":{"self":[{"href":"https:\/\/remote-expeditions.com\/fr\/wp-json\/wp\/v2\/travel-guide\/45025","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/remote-expeditions.com\/fr\/wp-json\/wp\/v2\/travel-guide"}],"about":[{"href":"https:\/\/remote-expeditions.com\/fr\/wp-json\/wp\/v2\/types\/travel-guide"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/remote-expeditions.com\/fr\/wp-json\/wp\/v2\/media\/46760"}],"wp:attachment":[{"href":"https:\/\/remote-expeditions.com\/fr\/wp-json\/wp\/v2\/media?parent=45025"}],"wp:term":[{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/remote-expeditions.com\/fr\/wp-json\/wp\/v2\/tags?post=45025"},{"taxonomy":"article-type","embeddable":true,"href":"https:\/\/remote-expeditions.com\/fr\/wp-json\/wp\/v2\/article-type?post=45025"},{"taxonomy":"collection","embeddable":true,"href":"https:\/\/remote-expeditions.com\/fr\/wp-json\/wp\/v2\/collection?post=45025"},{"taxonomy":"continent","embeddable":true,"href":"https:\/\/remote-expeditions.com\/fr\/wp-json\/wp\/v2\/continent?post=45025"},{"taxonomy":"country","embeddable":true,"href":"https:\/\/remote-expeditions.com\/fr\/wp-json\/wp\/v2\/country?post=45025"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}