Automatic Teller Machines:
All the banks
in Gambia now have ATM machines which can be used to
withdraw money using their custom cash cards. VISA
debit cards can be used to withdraw money from ATMs
run by the Standard Chartered Bank and Access
Bank. If your funds are sufficient you can withdraw
multiple times, with a maximum cash ceiling per withdrawal.
A transaction charge is levied each time you take money
out. There is a Standard
Bank ATM on the Senegambia Strip, in Kololi, opposite
the taxi rank and an Access Bank ATM on the Bertil Harding
Highway, just south of the Palma Rima Junction.
MasterCard debit and credit cards can be used
Gambia ATMs situated in the Greater Banjul area. This
allows you to make cash withdrawals in Dalasi. There
is an ATM on the Senegambia Strip, in Kololi,
opposite the taxi rank. You maybe able to use your Visa
credit card to make withdrawals at the above banks'
If you visit an ATM machine that happens to have run
out of money after banking closing hours then try the
next nearest branch. Note that if a cash machine runs
out of money at the weekends
they are often re-filled by roaming field staff who
are automatically alerted of the cash status of each
If you come across something like an 'out-of-order message'
or 'cash not available', this in fact may not be the
case. It sometimes pays to wait 5 or 10 minutes and
the machine could be back up and running and the message
is gone. This is sometimes caused by network issues,
as a result it might be a good idea to withdraw more
than you need and keep a cash sum as an emergency reserve,
which you only touch in the event of failure to make
a withdrawal at a future time.