
Though Antarctica is known for its extreme isolation, McMurdo Station—its largest research hub—functions much like a small town. With tea shops, general stores, bars, and even a post office, cash remains surprisingly essential for daily transactions.
Since some businesses only accept cash or have credit card minimums, McMurdo relies on two ATMs, installed by Wells Fargo in 1998, making them the southernmost ATMs on the planet. These machines exclusively dispense U.S. dollars, despite Antarctica’s proximity to New Zealand.
Challenges of ATM Maintenance in Antarctica

Operating ATMs in one of the world’s harshest climates comes with logistical hurdles:
- Limited access: Antarctica’s extreme weather means flights are rare, making routine servicing difficult.
- On-site repairs: McMurdo personnel undergo training to handle minor technical issues.
- Backup system: With two ATMs on-site, parts can be swapped between machines if necessary.
- Specialist servicing: Every two years, technicians travel to McMurdo for maintenance, undergoing rigorous psychological and physical evaluations due to the continent’s conditions.
Keeping the Cash Flowing
The exact cash reserves of the ATMs remain undisclosed for security reasons, but Wells Fargo has systems in place to prevent depletion. Surveillance cameras ensure transaction safety, adding a layer of security to financial operations in this remote region.
While Antarctica remains a land of scientific exploration, daily life at McMurdo requires functioning commerce, making cash essential for researchers and residents alike.