Subject: Re: varadero/ATM's
This is from my friend who frequently visits Cuba. I hope it is helpful.

no american credit cards or travelers cheques are accepted in cuba. only american cash. take 100$ bills they can make change. if you have a canadian account or european account there is no problem. there are some atm's but not many in varadero. since everything is in dollars, a credit card from other than the US or cash is the best. there is very little crime so carrying cash is safe.