Money on Curacao
The currency on Curaçao is the Antillean Guilder (abbreviated as Nafl, Naf or Ang). After the constitutional changes in October 2010, only on St. Maarten and Curaçao can still be paid with the Antillean guilder, on Bonaire, St. Eustatius and Saba since January 1, 2011, the U.S. dollar is the official means of payment. The exchange rate of the Antillean guilder is linked to the American dollar and has the same value as the Aruban florin: 1 guilder/florin = 1.79 dollars. At almost every ATM on Curaçao, you can choose between paying in guilders or dollars. You can then pay with guilders and dollars anywhere on Curaçao.
The local currency is the Netherlands Antilles guilder (also called florin), abbreviated NAfl. or ANG. It is pegged to the U.S. dollar at a stable rate of US$ 1 = NAfl. 1.77 for cash and 1.78 for travelers checks. Exchange rates may vary slightly in stores and hotels. There is no black market. Exchange rates for other currencies can be found at banks or in daily newspapers. Banks are open all day from 8:00 am to 3:30 pm, Monday through Friday. The bank at the airport is open from 8:00 to 20:00, Monday through Saturday and from 9:00 to 16:00 on Sundays to exchange money. There is a twenty-four hour change machine at the airport. Some bank branches have ATMs that exchange U.S. dollars.
In several places you can withdraw money 'from the wall'. This is possible if both your card and the machine have the Cirrus, Plus, Maestro or Master/Eurocard vignette. There are costs involved, but that differs per bank. At the branches of Maduro Curiel's Bank in Sta. Maria and Punda, it is also possible to withdraw money inside if your card has the blue PIN vignette. High denomination banknotes (100 and 250 guilders) are difficult to exchange for small purchases. There are currently two one-guilder coins in circulation. The old square nickel coin and the new fifty-cent piece are among the few square coins in the world; along with the two and a half guilder coin, they are sought-after souvenirs, especially for children.
U.S. dollars are accepted almost everywhere, travelers checks less so. Bills of US$ 50 and 100 may be difficult to exchange. International credit cards are accepted in almost all major stores and the like. At all post offices, Postbank cheques can be cashed in Antillean money. With the Maestro vignette/Cirrus listed on your bank debit card, you can pay at more than 600 businesses.
It is customary to tip porters one guilder per suitcase, and cab drivers 10% of the fare. Restaurants usually charge a service charge on the bill of 10%; if you want, you can leave a few more guilders for a tip. Most hotels include a service charge of 12% in the bill.