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ATMs are now available in Kerala's major cities: Kochi, Trivandrum, and Calicut. Check for the Cirrus or Plus sign, as many local banks do not accept foreign cards. Look for international banks like ANZ Grindlays, HSBC, and Standard Chartered, as well as the Indian bank ICICI. Make sure your PIN is four digits.
Most of the major hotels have currency exchange services, but its wise to shop around for the best deal. Thomas Cook offers good rates. ANZ Grindlays and any branch of the Bank of India will cash traveler's checks and change hard currency. Traveler's checks sometimes get marginally higher rates than cash.