Credit cards are the best way to pay for everything from car hire to groceries. Most businesses on West Island accept credit cards and several now have EFTPOS facilities. There is an ATM at the Community Resource Centre available for cash withdrawals. However, as most of the small businesses, particularly the Cocos Club, appreciate small notes or change, please make sure you bring some cash with you.

Accessing funds on Cocos can be complicated if you are unprepared. There is a Commonwealth Bank agency that offers CBA customers online withdrawal facilities. This agency is not able to cash traveller's cheques or foreign currency, or accept cards from any other bank. Where possible use your credit card.