There are ANZ and Westpac ATM's scattered at regular intervals along the villages of the main road. All the supermarkets accept credit cards for supplies purchased above NZ$20 minimum. Currency exchange is available at the ANZ, Westpac banks and Western Union in Avarua, and the fees for exchange are around $8 per transaction.
Due to import of supplies, non-local foods and groceries are expensive, therefore it is worth the trip into Avarua to shop at the large grocery outlets. Expect the range available to be limited to service the small island population.
Black pearls are local produce, and there are several shops selling these in Avarua and other villages.
The resorts at the Rarotongan and Pacific have their own resort shops, as do some of the smaller accommodation providers.
Every saturday there is a growers market in Avarua, called Punanga Nui, where you can listen to live music buy music, local fruits, vegetables, fresh fish, souvenirs and cooked food platters. It ends at noon, make sure you get there before then. There is also a variety of food stalls at the market.
