Tanzania Money & Currency Guide:
Practical Tips For International Travellers
Learn everything you need to know about money in Tanzania, including the Tanzanian Shilling, cash and card payments, ATMs, currency exchange and practical payment tips for safaris, Mount Kilimanjaro climbs and Zanzibar holidays.
Understanding Tanzania’s Currency
The official currency of Tanzania is the Tanzanian Shilling (TZS). While some tourism businesses may accept major foreign currencies for certain services, everyday purchases are generally made using Tanzanian Shillings, making it useful for visitors to carry some local cash during their trip.
Official Currency
Tanzania uses the Tanzanian Shilling (TZS) as its national currency. Prices in local shops, markets and many small businesses are usually displayed in Tanzanian Shillings.
Banknotes
Banknotes are available in different denominations, making everyday spending convenient for transport, shopping, meals and other travel expenses.
Coins
Coins are commonly used for smaller purchases and change. Although many travellers use notes more often, coins remain part of everyday transactions.
Using Local Currency
Keeping a small amount of Tanzanian Shillings is helpful for tipping, local transport, cafés, small restaurants and purchases where card payments may not be available.
Carry Both Cash And Payment Cards
Many hotels, safari lodges and tour operators accept international payment cards, while local businesses often prefer cash. Having both options available gives you greater flexibility throughout your journey across mainland Tanzania and Zanzibar.
Should You Carry Cash Or Use Credit Cards?
Most travellers find that using both cash and payment cards is the easiest way to manage expenses in Tanzania. The best option often depends on where you are travelling and the type of service you are paying for.
Cash Payments
- Useful for local markets, small shops and independent cafés.
- Often preferred for taxis and some local transportation services.
- Helpful for tipping guides, porters and hotel staff.
- Convenient when visiting remote safari areas or small villages.
- Carry smaller denominations for everyday purchases.
Credit & Debit Cards
- Widely accepted at many hotels, lodges and larger restaurants.
- Commonly used for pre-booked safaris, Kilimanjaro climbs and holiday packages.
- Accepted at many supermarkets and shopping centres in major towns.
- Always carry a backup payment method in case card facilities are temporarily unavailable.
- Check with your card provider before travelling to avoid unexpected payment restrictions.
The Best Choice Is A Combination Of Both
For most visitors, carrying a small amount of Tanzanian Shillings together with an international debit or credit card provides the greatest flexibility. This combination helps you pay comfortably whether you are on safari, climbing Mount Kilimanjaro, exploring local towns or relaxing on Zanzibar’s beaches.
ATMs & Currency Exchange In Tanzania
Accessing money during your trip is generally straightforward in Tanzania’s major cities and popular tourist destinations. Planning ahead helps ensure you always have convenient payment options throughout your journey.
Using ATMs
- ATMs are widely available in major cities and many popular tourist destinations.
- Withdraw enough cash before travelling to remote safari areas where ATM access may be limited.
- Use ATMs located at banks, shopping centres or well-lit public areas whenever possible.
- Keep your receipt and check your bank statements regularly during your trip.
- Inform your bank before travelling if required by your card provider.
Currency Exchange
- Currency exchange services are available at airports, banks and licensed exchange bureaus.
- Compare exchange rates before changing large amounts of money.
- Avoid exchanging money through unofficial street dealers.
- Keep your exchange receipt until the end of your trip if needed.
- Carry a mix of local currency and an international payment card for convenience.
Prepare Before Travelling Outside Major Towns
If your itinerary includes national parks, Mount Kilimanjaro or remote areas, it is a good idea to withdraw sufficient cash before departure. This reduces the need to search for banking facilities during your adventure and allows you to travel with greater confidence.
Paying For Your Tanzania Adventure
Payment methods may vary depending on the type of trip you book. Planning your payments in advance helps make your safari, Kilimanjaro climb or Zanzibar holiday smooth and stress-free.
Tanzania Safaris
Safari bookings are typically arranged before arrival, while you may still want local cash available for personal expenses, souvenirs, refreshments and optional purchases during your journey.
Explore Safari Packages →Mount Kilimanjaro
Most climbing arrangements are completed before the expedition begins. During your stay, keeping some local currency is useful for small personal purchases and other travel-related expenses.
View Kilimanjaro Climbs →Zanzibar Holidays
Hotels, beach resorts and many restaurants accept international payment methods, while local markets and smaller businesses often prefer cash in Tanzanian Shillings.
Discover Zanzibar →Plan Your Budget Before You Travel
Preparing your travel budget before arriving in Tanzania makes your holiday more enjoyable. A combination of local currency and internationally accepted payment methods gives you flexibility throughout your trip, whether you are exploring national parks, climbing Mount Kilimanjaro or relaxing on Zanzibar’s beautiful coastline.
Tipping Etiquette In Tanzania
Tipping is a common way to show appreciation for excellent service in Tanzania. While it is generally voluntary, many travellers choose to tip guides, hotel staff and other service providers when they receive professional and friendly assistance.
Safari Teams
Professional safari guides, drivers and camp staff work hard to create a safe and memorable wildlife experience. Many visitors choose to recognise exceptional service with a tip at the end of their safari.
Kilimanjaro Crew
Mountain guides, assistant guides, cooks and porters all play important roles in a successful climb. Tipping is a well-established part of Kilimanjaro trekking culture and is usually offered after the expedition is completed.
Hotels & Restaurants
Guests often leave a small tip for hotel staff, restaurant servers or drivers who provide attentive service. The amount is entirely at your discretion and should reflect your satisfaction with the experience.
Reward Great Service, Not Obligation
The purpose of tipping is to recognise professionalism, hospitality and outstanding service. If someone helps make your Tanzania adventure more enjoyable, a thoughtful tip is a meaningful way to express your appreciation.
Money Saving Tips For Visiting Tanzania
A little preparation before your trip can help you manage your travel budget more effectively. These simple tips can make payments easier while helping you avoid unnecessary costs during your Tanzania adventure.
Before You Travel
- Notify your bank before using your cards overseas if required.
- Carry more than one payment method as a backup.
- Keep a small amount of local currency for everyday purchases.
- Store emergency cash separately from your wallet.
- Check whether your bank charges international transaction fees.
While In Tanzania
- Use licensed banks and authorised exchange bureaus.
- Withdraw cash in larger towns before travelling to remote areas.
- Keep small banknotes for local transport, cafés and markets.
- Avoid carrying large amounts of cash in one place.
- Review receipts and card transactions regularly during your trip.
Travel Smart And Enjoy Your Journey
Using a combination of careful planning, secure payment methods and sensible money management allows you to focus on enjoying Tanzania’s wildlife, mountains, beaches and unforgettable travel experiences.
Common Questions About Money In Tanzania
These are some of the most common money-related questions travellers ask before visiting Tanzania. Understanding them in advance can help make your trip smoother and more enjoyable.
Can I Use US Dollars?
Some tourism businesses may accept US Dollars for certain services, while many everyday purchases are typically made using Tanzanian Shillings.
Should I Exchange Money At The Airport?
Airport exchange services are convenient when you first arrive. Many travellers exchange a small amount initially and compare other authorised exchange options later if needed.
Are Credit Cards Widely Accepted?
Many hotels, safari lodges and larger restaurants accept international cards, while smaller businesses often prefer cash.
Are ATMs Easy To Find?
ATMs are available in major towns and popular tourist destinations. If travelling to remote areas, withdraw cash before leaving larger centres.
Which Currency Should I Bring?
Many international travellers arrive with widely recognised foreign currencies and exchange them through authorised banks or licensed exchange bureaus after arrival.
Is It Better To Carry Both Cash And Cards?
Yes. Having both local cash and an international payment card gives you flexibility throughout your safari, Kilimanjaro climb or Zanzibar holiday.
Good Planning Makes Travel Easier
Preparing your payment options before travelling helps you enjoy your Tanzania adventure with confidence. A balanced combination of local currency, payment cards and sensible budgeting is the best approach for most visitors.
Tanzania Money & Currency FAQ
Everything international travellers need to know about currency, payments and managing money during a Tanzania adventure.
What currency is used in Tanzania?
The official currency of Tanzania is the Tanzanian Shilling (TZS). It is used for most everyday purchases including local shops, markets and small businesses.
Can I use US Dollars in Tanzania?
Some tourism businesses accept US Dollars for certain services, especially within the tourism industry. However, carrying some Tanzanian Shillings is useful for everyday expenses.
Should I carry cash while travelling in Tanzania?
Yes. While cards are accepted in many hotels, lodges and larger businesses, cash is useful for smaller purchases, local markets, tips and remote areas.
Are credit cards accepted in Tanzania?
Many hotels, safari lodges, restaurants and tour companies accept international debit and credit cards. It is recommended to have a backup payment option.
Where can I exchange money in Tanzania?
Visitors can exchange currency through authorised banks and licensed exchange bureaus in major towns and tourist areas.
How much money should I bring to Tanzania?
The amount depends on your travel style, itinerary and personal spending habits. Your main safari, climbing or holiday costs are usually planned separately from daily expenses.
Ready To Explore Tanzania?
Now that you understand money and payments in Tanzania, you can plan your safari, Kilimanjaro climb or Zanzibar holiday with confidence. Our local team is ready to help create your perfect adventure.