If you're going to Montego Bay, Negril, or Ocho Rios you will definately be able to get away with bringing US Dollars. Probably through most parts of the island you would be fine bringing US Dollars with you. If you're planning on venturing outside of the tourist areas however it may be a good idea to have some of the local currency.
|Should I Bring Jamaican Dollars Or US Dollars To Jamaica?|
So which is going to be financially smarter to do US Dollars or Jamaican Dollars? If you wind up getting your currency from a currency exchange you probably come out about even. As I said you tend to get better prices in Jamaican Dollars however if you go to a company like Travelex and pay a 15% margin on your currency plus a $9.95 service charge your pretty much giving away any savings to Travelex. There are cheaper places to exchange your money however. If you go through your own bank back home you will pay a margin and may have to order anywhere from a few days to a week in advance, however you will get a better rate than a currency exchange at the airport. There are Hi-LO grocery stores in Jamaica which oftentimes have great exchange rates as well. Lastly using your own ATM card is normally 3% plus an ATM charge from the machine and possibly your bank. Yes it will add up if you make a bunch of transactions of $20, but if you take out the max probably $400, you will still come out ahead of using a currency exchange.
Hope that helps give you some advice on tips on which currency you should bring on your Jamaican vacation.