Resources for Expats, Travelers, and Entrepreneurs Navigating Life and Trade in Sint Maarten with the Netherlands Antillean guilder.
What's in this Sint Maarten currency guide?
The official currency of Sint Maarten (country code: SX) is the Netherlands Antillean guilder, with symbol ƒ and currency code ANG.
The BestExchangeRates.com currency comparison table below helps you see the total cost of your currency transaction by showing the exchange rates offered by different providers. It also makes it easy to spot potential savings from market-leading FX services compared to bank rates.
To see a full list of rates, enter your transaction type, currencies and amount then click ‘GET RATES’:
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As of June 16, 2025, the Netherlands Antillean guilder (ANG) is in the process of being replaced by the Caribbean guilder (XCG) in Curaçao and Sint Maarten. The new currency was introduced on March 31, 2025, and travelers can continue to use ANG until June 30, 2025. After this date, ANG will no longer be accepted for transactions. To exchange ANG for XCG, individuals can visit commercial banks until March 31, 2026, and the Central Bank of Curaçao and Sint Maarten (CBCS) until March 31, 2055. (travelmarketreport.com)
The Caribbean guilder features a "World Under the Sea" theme on its banknotes, showcasing marine life and symbols representing the unity of Curaçao and Sint Maarten. The reverse side highlights historical and cultural figures. (travelmarketreport.com)
The exchange rate between ANG and the U.S. dollar remains fixed at 1.79 ANG to 1 USD, a rate that has been in place since 1971. (currencymart.net)
For travelers, expats, and business owners, it's essential to be aware of the upcoming currency change to ensure smooth financial transactions in Curaçao and Sint Maarten.
For more ANG information check out our selection of Netherlands Antillean guilder news and guides.
The domestic currency in Sint Maarten is the Netherlands Antillean guilder.
The three letter currency code for the Netherlands Antillean guilder is ANG — symbol is ƒ.
It is the domestic currency in   Curaçao and Sint Maarten.
No, the Netherlands Antillean guilder is freely available and convertible. See guide: What is a closed currency?
Here are some popular conversion amounts for USD to ANG (US dollar to Netherlands Antillean guilder)*.
*Converted at the current USDANG interbank exchange rate. Calculate actual payout amounts for Send Money and Travel Money exchange rates.
Using Wise for Netherlands Antillean guilder travel money is a smart choice for savvy travelers. With its competitive exchange rates and low fees, Wise allows you to convert and manage multiple currencies effortlessly.
Be careful when using your own bank's Debit/Credit Card, as your bank may also charge an extra 3% as an “Overseas Transaction Charge” plus “Overseas ATM” fees for withdrawing cash on top of the standard Visa/Mastercard 2.5% from market mid-rate.
For card purchases, if you are offered a choice of currencies always select to Pay in Netherlands Antillean guilder otherwise you will typically get much worst dynamic currency conversion (DCC) exchange rates.
If you really want Netherlands Antillean guilder cash before departure, you can save money by ordering online. You generally get better rates and can pick up the ANG cash locally or even on travel day at the airport.
Traveling to Sint Maarten requires careful financial planning to ensure a smooth and cost-effective experience. Here's a comprehensive guide to help you navigate currency considerations and manage your money effectively during your visit.
Sint Maarten, the Dutch side of the island, is completely different from the French side. With its tourist-friendly nightlife, slew of shopping centers including duty-free shops in capital Philipsburg, tacky casinos, numerous condo units and sprawling resorts, it can sometimes feel overdeveloped and artificial, but you'll also find a few peaceful, picturesque beaches around Simpson Bay and Little Bay.
This 37-square-mile island, ringed with white-sand beaches, has been living with a split personality since 1648, when it became the smallest parcel of land to be peaceably shared by two countries: France and the Netherlands. When you visit St. Maarten, the Dutch side in the south, it bustles with sprawling resorts, wide boardwalks, lively beach bars, and late-night casinos. Meanwhile, sleepy French St. Martin, with its harbor full of brightly colored boats and houses built up into the cliffs, is reminiscent of a Mediterranean fishing village. Thanks to the French influence, you'll also find some of the best food in the Caribbean.
Despite the dominance of the euro since January 2002 within the mother country, Holland, the legal tender on the Dutch side of St. Maarten is still the Netherlands Antilles florin (NAf). U.S. dollars are really the coin of the realm here, and prices in hotels and most restaurants and shops are designated in dollars. On the French side (as well as on St. Barts), the official monetary unit is the euro, with most establishments widely quoting and accepting either dollars or NAf guilders as well.
Sint Maarten is home to the island's biggest airport, Princess Juliana International Airport, at Simpson Bay, which serves all intercontinental and numerous regional destinations. The island's cruise-ship terminal, Port St Maarten, is located in Philipsburg. A handful of other marinas have ferries to neighboring islands.
Take the bus Things move at a more leisurely pace in the Caribbean, so take advantage of that by taking the bus to the top tourist sites. There's no set schedule for drop-off and pick-ups, but you'll get where you want to go for about $1.50 one-way.
Rental car or taxi are the best ways to get around but beware of heavy traffic. Trisport rents bicycles, while Johnny's Scooter Rental rents scooters and ATV quad bikes.
The peak season begins in December and ends around mid-April, as frozen travelers from the United States and Canada flock here to escape the cold at home. One of the island's most famous events, the Heineken Regatta, takes place in March. Travel to St. Maarten drops off between July and October, hurricane season in the Caribbean.
The island offers the visitor many choices in the type of accommodations available to them. You can select a luxury villa or a simple guest house with many options in between. Many visitors to the island will be surprised to find the selection of villas available many at a price less than a standard hotel room on other Caribbean Islands. For Scuba divers, you will find a number of smaller resorts geared towards your needs. There are only a limited number of scuba liveaboards that sail from the island.
Bring your appetite to St. Martin/St. Maarten, because you'll most assuredly put it to good use. Fresh seafood is often the star of many menus here (it is an island, after all), but there is a rich variety of cuisines to be found, from high-end French to Lebanese to Italian to traditional barbecue. Typical Creole dishes often include conch, goat and oxtail. You'll also want to try the island's national liqueur, Guavaberry, made from rum, cane sugar and local, wild guavaberries. A bottle also makes a great souvenir to take home.
How much does it really cost to live, work, or travel in Sint Maarten? Here's what to expect for daily expenses and expat living.
For travelers planning a week-long stay in Sint Maarten, a budget of around €1,200 to €1,500 (approximately $1,300 to $1,600) should cover mid-range accommodations, meals, and activities. With a variety of culinary offerings and leisure activities, here's a snapshot of typical daily expenses you might incur:
Overall, Sint Maarten offers an average cost of living compared to many popular destinations. While it's not as expensive as some regions in the United States, such as New York City, it is pricier than destinations in Canada like Toronto. This means visitors should expect to budget a little more in Sint Maarten for dining and activities compared to their usual experiences at home.
For expats looking to establish themselves in Sint Maarten, typical monthly living costs can range from €2,500 to €4,000, depending on lifestyle and location. Basic expenses such as rent for a one-bedroom apartment in the city center can average around €1,200, while utilities and groceries can add another €300 to €500 to your monthly budget.
When it comes to financial matters, it's advisable to have a local bank account for everyday transactions. Using a debit or credit card is widely accepted, but be cautious of foreign transaction fees. For sending or receiving money, online transfer services like Wise or OFX generally offer better exchange rates and lower fees than local currency exchanges. However, for emergencies or quick cash needs, using ATMs may be convenient—just be sure to choose one that offers favorable exchange rates. Overall, whether living or visiting, Sint Maarten presents a moderate balance of costs that can be managed with careful financial planning.
The below interactive chart displays the USD/ANG change and UP📈 DOWN📉 trends over the past 1 Year.
As of June 16, 2025, the Netherlands Antillean guilder (ANG) is in a transitional phase, with the Caribbean guilder (XCG) having been introduced on March 31, 2025. The ANG remains legal tender until June 30, 2025, after which it will cease to be accepted. During this period, both currencies circulate concurrently, allowing for a smooth transition.
Travelers, expats, and business owners should be aware that after June 30, 2025, the ANG will no longer be accepted for transactions. It is advisable to exchange any remaining ANG for the new Caribbean guilder before this date to avoid inconvenience.
Additionally, authorities have highlighted potential vulnerabilities during this currency transition, emphasizing the importance of vigilance against financial crimes such as money laundering. Service providers are encouraged to strengthen their anti-money laundering frameworks and monitor transactions closely during this period. (curacaochronicle.com)
For the most current exchange rates and further updates, it is recommended to consult official sources or financial institutions.
For more ANG information read our News and guides to the Netherlands Antillean guilder.
To get a good (and fair) exchange rate when sending money to Sint Maarten you need to find and compare exchange rates for International Money Transfers (IMTs).
The available FX rates for sending money abroad can be very different to the mid-market (wholesale) rate which you see reported online and in the News.
You should especially compare your own bank's exchange rates to those available from Money Transfer specialists to see how much you can save - we make that calculation easy in the below table.
When sending money to Sint Maarten it’s important to compare your bank’s rates & fees with those we have negotiated with our partner money transfer providers. To get a better deal you should follow these 4 simple steps :
Use the above calculator to compare the exchange rates of FX specialist providers rates versus your bank's standard rates you can hopefully save around 5% and maybe more - end result is more Netherlands Antillean guilder deposited into the recipient bank account and less margins and fees kept by the banks!