Don't count on using your ATM card in Belize. The banks do have ATM machines at some locations, but most don't accept foreign-issued cards (Barclays and ScotiaBank ATMs do accept foreign cards ... sometimes).
Credit cards are accepted at nearly all hotels and many restaurants and shops. In some cases there is a surcharge (typically 5%) for credit card use, however.
You can get a cash advance on your bank card at most banks in Belize, for a small fee (plus whatever your bank charges).
--Lan Sluder
Belize First Magazine
http://www.belizefirst.com/
AmbergrisCaye.com 
