We never managed to get either of our bank cards to work. We have both Cirrus and Plus bank cards and they have worked faithfully all over the world. We tried to withdraw money using both cards in several banks in Papeete, several more in Vaitape, Bora Bora, and yet more in Moorea. They never worked. We finally did succeed in getting money out using a credit card (Visa). Of course this means we were stuck paying hefty cash advance fees. If you live in a country other than the US, you should consider establishing a positive balance on your credit card, and maybe more than one. We met many other people from other countries who had the same trouble we had. Make sure you know the PIN number for your cards and bring extra US dollars or Euros just in case. Many cheaper hotels and stores will not take credit cards.