La Crucecita has one international bank in town. The HSBC is on the corner of Bugambilla and Sabali streets. Santa Cruz has three banks, with the most recognizable being the Scotia Bank. It is on the corner of Boulevard Santa Cruz and Monte Alban Street, mere moments walk from the Casa de la Armonia. Don’t forget to bring your passport for cashing travelers cheques.  When we were in, they did have a very fluently bilingual English speaker, in case you have any difficulties.

There are numerous ATM’s through out the area, which can be very handy when the banks are not open.  The banks regular hours of operation seemed somewhat nebulous to us and we actually ended up going with friends to cash travelers cheques inside Elektra – an electronics store.

We suggest you bring Canadian dollars or travelers cheques and convert them to pesos … and do your shopping in pesos.  You can exchange your Canadian or US dollars at most banks but I have been told that the Scotia and HSBC banks have a good exchange rate. If you use Canadian or US dollars in the stores, you are often not getting the best exchange rate for you money.

Credit cards are normally accepted at most larger stores, but be careful.  Credit card companies may charge an extra percentage, and some places also add a 4-8% surcharge on the purchase price. Ask first before considering any major purchases to make sure you negotiate the “service fee” as well as the cost if possible.

If you are arriving in Huatulco late on Friday or on the weekend you may want to bring some pesos with you if possible.  It is more difficult to find a place to exchange your money on the weekend and the Scotia Bank just down the street is not open on the weekend.  This way you will have a bit of local money on you until Monday.

ATMs in Huatulco Mexico


You can use an ATM to withdraw money in Mexico and we have used the Scotia Bank one near the condo many times.  Keep in mind however that there is a charge (that varies with each bank) and so don’t be too shocked when you see a bit more taken out for the fee upon your return home.


The process to get your money out is pretty much the same as in Canada.  After you insert your card the screen will ask you what account you would like to withdraw from (chequing is cheques for instance).


Then you can choose from: Consulta, Retrio, Deposito, Otra which loosely translate to Balance, Withdraw, Deposit and Other.  So to take money out use the “Retrio”.


The next screen at the Scotia Bank says something about there being a service fee – hit “Si” to continue. Then we are asked how many pesos you want to take out.  Remember you will not be getting Canadian or American dollars. From here Scotia Bank has two other screens - one asking for a donation and another warning for the user about asking for help from a stranger.


You should now have your cash…


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