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Currency
As U.S. dollars are widely accepted on both the Dutch and the French sides, visitors do not need to exchange their U.S. money for a visit to the island. Official currency of the Dutch side is the Netherlands Antilles florin or guilder (NAF). Official currency of the French side is the Euro, as in France or in other French holdings around the world. Nearly all prices are listed in U.S. dollars as well as the local currency, so there's no need for calculating exchange rates.
Banks
Banks on the Dutch side are normally open from 8:30 a.m. until 3:30 p.m., Monday through Friday. On Saturday, some banks open from 8:30 a.m. until noon. French side banks generally are open from 8:30 a.m. until 1:30 p.m. on weekdays. Automatic teller machines are available at several locations throughout the island.
Government law requires a 5 percent room tax on all hotel rates.
Most hotels and guest houses add 10 percent to 15 percent service charge in lieu of tipping. Some also add an energy surcharge.
Tipping
Most hotels and restaurants add between 10 percent and 15 percent to the bill as a service charge, and this is almost always posted in writing at the entrance, on the menu, etc. Travelers can tip more for special service. Taxi drivers expect 50 cents or $1 for short runs and more for an extended narrated tour. Airport porters should receive $2 per bag.