This article examines the differing financial challenges faced by Sāmoan women across four countries during the COVID-19 pandemic, with a focus on the impact of national response strategies. Utilising survey data from 325 participants, the study reveals that 48% of respondents experienced negative financial effects, with younger women disproportionately affected. Textual analysis highlighted increased household costs, employment disruptions, business losses, and diminished remittances, compounded by limited government support in several contexts. The discussion situates these findings within an intersectional framework, demonstrating how gender, culture, socioeconomic status, and policy responses shaped financial vulnerability and resilience. The article underscores the necessity for culturally responsive and equitable policy interventions, advocating for the inclusion of Sāmoan perspectives in decision-making processes. These insights contribute to a deeper understanding of the structural and cultural determinants of financial wellbeing among Sāmoan women during global crises.