Punta Cana Money Guide: How to Pay, Tip, and Exchange Currency

If you’re planning a trip to Punta Cana, it helps to know how money works here before you arrive. Here’s a simple breakdown to avoid surprises, overpaying, or confusion at local shops and excursions.

The Basics: Dominican Peso vs. U.S. Dollar

The Dominican Peso (DOP) is the official currency, but U.S. dollars are widely used, especially in tourist areas, resorts, and for organized tours. Many businesses post prices in both currencies.

In general:

• Use dollars for hotels, resort spending, and big excursions.

• Use pesos for local restaurants, small shops, and markets.

Bringing Cash: What Works Best

A mix of dollars and pesos is practical. U.S. dollars cover most large purchases, but small bills in pesos help you get fair prices when shopping locally.

Pro tip: Street vendors and some shops may use their own exchange rate, which often isn’t in your favor. Paying in pesos avoids that markup.

Where to Exchange Money

• Banks & ATMs: The easiest way to get pesos at a fair rate. You’ll find ATMs from major banks like Banco Popular and Banreservas around Punta Cana.

• Casas de Cambio: Currency exchange offices offer competitive rates with low fees.

• Airport Kiosks: Convenient but usually come with higher fees and lower exchange rates.

• Hotels: Many resorts offer currency exchange, but the rate might not be as favorable for large amounts.

Using Cards and ATMs

Most resorts, restaurants, and shops accept credit cards — Visa and Mastercard are common, with limited acceptance of Amex. For smaller local spots or tips, cash is better.

A few things to keep in mind:

• Notify your bank about your travel plans to avoid declined transactions.

• Use ATMs attached to banks for added security.

• Check if your card charges foreign transaction fees.

Tips on Tipping

Tipping is normal in Punta Cana and always appreciated. Both pesos and U.S. dollars work, but pesos are often more convenient for locals outside the resorts.

Typical tips:

• Restaurants: 10% if service isn’t included.

• Drivers & taxis: 10% or round up.

• Tours: $5–$10 USD or 250–500 DOP per person for a full-day trip.

• Luggage handlers or beach help: Small bills, either currency.

Paying for Tours, Weddings, and Photography

If you’re booking activities like snorkeling, horseback riding, or a professional photoshoot, you’ll usually pay in U.S. dollars.

Good local vendors are upfront about payment methods — cash and credit cards are generally accepted for deposits and final balances.

If you’re working with a Punta Cana wedding photographer or planning a family session on the beach, check payment details before you arrive. Reliable vendors should clarify costs and help you avoid last-minute surprises.

Enjoy Punta Cana — and spend wisely!