How do I get money in Tanzania – ATMs or cash?
In Tanzania, both ATMs and cash are widely used. ATMs are available in major towns, airports, and cities, but carrying some cash (especially US dollars and Tanzanian shillings) is essential for remote areas, tipping, and small purchases. Having a mix of both ensures smooth travel across safaris, treks, and Zanzibar.
Visitors often wonder whether to rely on ATMs or cash in Tanzania. While modern banking exists in cities, rural safari destinations and mountain routes require cash. Below is a guide to using money in Tanzania responsibly and conveniently.
Table of Contents
Currency in Tanzania
- The official currency is the Tanzanian Shilling (TZS).
- US dollars are widely accepted, especially for safaris, park fees, and lodges.
- Notes issued before 2006 are often not accepted—carry recent, clean bills.
Using ATMs
- ATMs are available in Arusha, Moshi, Dar es Salaam, and Zanzibar.
- Visa cards work best; Mastercard acceptance can be limited.
- Daily withdrawal limits are usually 400,000–600,000 TZS (~$150–250).
Carrying Cash
- Essential for tipping, small shops, markets, and rural areas.
- Carry a mix of US dollars and Tanzanian shillings.
- Keep cash in different places for security.
Credit & Debit Cards
- Major hotels and lodges accept credit cards (usually Visa).
- Expect surcharges of 3–5% on card transactions.
- Not commonly accepted in small towns or local shops.
Money-Saving Tips
- Withdraw larger amounts at once to reduce ATM fees.
- Bring some emergency USD in case of ATM issues.
- Notify your bank before travel to avoid card blocks.
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