There’s a wide variety of options and most will take your credit card. So if you eat at a restaurant you don’t need cash. The bus to go around the island is 20 pesos. So round trip Punta Sur is 40 pesos on bus. Everything in Playa Norte is walkable and the street food is 20 to 60 pesos. I enjoyed the street food. What’s important about pesos is to have small bills and change. The vendors get frustrated if we hand them large bills for change even in the oxxo. Hope this helps Taxis also are cash and a shared taxi is cheaper and available….collectivo. If you have a Charles Schwab debit card you can use any bank ATM without fees. Always decline the bank exchange rate they offer you. So you could take out pesos as needed. I felt bad for a gal who exchanged money at a US airport before she got to Mexico for 3 peso difference than the airport in Mexico City. They told her the rate would be better. How many pesos for 13 days. Start with 5000? Almost $300. Tell your bank small bills. Bulky for us to carry though.

We loved Playa Norte. We stayed right next to the cargo ferry, on the mainland side. It was very convenient for us, but our hotel was quite north of the regular passenger ferry. Was about $20 US, I used my credit card, didn’t have to have pesos for the ferry. It was a quick trip over and ferries ran frequently enough for us. Was a nice, smooth ride. There are lots of “beach clubs” on Playa Norte where you can rent a beach chair. They usually cost a small fee, plus they want you buy drinks and or food. I think we paid 450 pesos for 2 chairs, they did want cash for the chair rental. We ate lunch and had a couple of drinks, I used my credit card. We walked down the beach and chose a place that wasn’t too crowed or noisy. Some blast loud music. The water was a beautiful blue and quite shallow for a ways out. We enjoyed it. Hopefully this helps. Feel free to reach out to me. You will need pesos though. Some of the restaurants and smaller bars only take pesos. There are ATMs on Isla Mujeres.

Cruzando la calle de la playa hay varios establecimientos de renta de carritos de golf que también tienen baño y regaderas. Te cobran me parece como 20 pesos por persona pero te puedes enjuagar y cambiar. Eso si, no tienes nada de privacidad y estas entre los carritos y los mecánicos. A lado del ferry también hay unas regaderas que todos pueden usar y están los baños. No te cobran y estás a unos minutos de playa norte. Considera que en la playa no hay nada, si no llevas tus sillas o sombrilla te las rentan ahi sin ser necesariamente un club de playa.

I visited in December however, I stayed at Mia Reef where chairs, umbrellas, drinks etc. are provided for free. You can obtain a day pass for a cost. In addition, we were not required to wear a mask on the beach. There are a variety of great restaurants where you can find food and great drinks. However, the topless thing 🤔I am not sure about. I saw many kids near Mia Reef so I would conclude it is not allowed near Mia Reef however, that may not be the case for everywhere. Also, the ferry is an easy way to arrive and there are many taxis to drop you off at the beach. Enjoy!

La playa es pública, eso quiere decir que tu puedes llegar, poner tu sombrilla tus toallas y quedarte ahí. También hay sillas y camastros disponibles a la renta, y clubes de playa donde puedes hacer uso de regaderas y baño. Todo depende del tiempo que vayas a pasar ahí lo que te va a resultar economicamente.

If you are asking this because of the pandemic, yes it is open and I can't see why they would not allow tourists coming to visit. You must have face masks at all times unless you are in the water or eating... at least for now. Maybe in December things will be different. I just went there last week and it's a dream. Also not a lot of people so you have plenty of space to enjoy and to practice social distance if you are worried about that.

Public Beaches are not open at this time, if you want to swimm in the beach it has to be through direct axcess by your hotel resort, we stay in isla mujeres in hotel belo and we were able to enjoy the beach but we drove to playa norte and the other public beaches and they were all closed. You will still have a great time.