Tokelau

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Tokelau uses the New Zealand dollar across a very small Pacific island community. Banking access and external payments depend on the services available to the islands, rather than a separate national currency or broad merchant-acquiring network. Its 2025 population was about 2,600.

Alpha-3:TKL
NUM:772
Population
3K
GDP
$9.8M
GDP per Capita
$6K
GDP Growth
0.5%
Deepdive

World Bank, World Development Indicators (WDI), 2025

Cash in Tokelau

Tokelau operates on cash rather than a card-payment network. New Zealand dollars fund purchases made in the local economy, and the islands have no banks or ATMs, so note supplies matter far more than debit or credit card ownership.

ATMs (PER 100K)
26.7
BANKS (PER 100K)
11.6
DEBIT CARDS (PER ADULT)
1.3
CREDIT CARDS (PER ADULT)
0.1
Compare

IMF, Financial Access Survey (FAS), 2025

Payment Methods

Schemes

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Systems

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PSPs

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Compliance

Standards