Kindly note, if you are staying in a resort, they might accept only USD. My suggestion would to check with your resort directly on which currency they accept. Also, if you aren't staying in Male and staying in an island resort, you can just carry your international card (if any). Check with your bank if they allow you to carry international transactions. we have written a detailed article on our stay in the Maldives which will answer most of your queries and you can check it out as per your convenience.