Should I Travel With Cash in Tanzania or Pay by Card While on Safari? (Complete Guide)

One of the most common questions travelers ask before arriving in Tanzania is simple—but important: “Should I travel with cash in Tanzania, or can I pay by card or cashless while on safari?”

The short answer is: you need both—but knowing where to use each makes your trip smoother, safer, and stress-free.This guide explains exactly how payments work in Zanzibar and mainland Tanzania, including cards, ATMs, mobile payments, and currency exchange.

Can I Pay by Card in Tanzania?

Yes—in specific places only.

Where cards are commonly accepted

• International hotels and beach resorts (especially in Zanzibar)

• Established safari lodges and luxury tented camps

• Some restaurants, supermarkets, and shopping centers in Arusha, Stone Town, and Dar es Salaam

• Tour payments made in advance to licensed operators

What cards work best

• Visa – most widely accepted

• Mastercard – generally accepted

• American Express – limited use

Limitations of using cards

• Card machines often fail due to power or internet outages

• Some lodges add 3–5% transaction fees

• Cards rarely work in rural areas, small shops, or villages

• Fuel stations, craft markets, and tipping typically require cash

Conclusion:Cards are helpful—but should not be your only payment method.

Should I Carry Cash While on Safari?

Yes. Carrying cash is essential in Tanzania, especially during safari trips.

Travel with cash in Tanzania Why cash is important

• Tipping safari guides and lodge staff

• Buying local souvenirs and handicrafts

• Paying at small markets and village visits

• Drinks or extras not included at camps

• Emergency situations when card machines fail

Best currency to carry

US Dollars (USD)

• Widely accepted in tourism services

• Notes must be clean, undamaged, and printed from 2009 onwards

• Bring small denominations ($1, $5, $10, $20)

Tanzanian Shillings (TZS)Best for:

• Local food

• Small shops

• Taxi or bajaj rides

• Everyday local experiences

Are There ATMs in Tanzania?

Yes—but not everywhere.

Where ATMs are available

• Zanzibar (Stone Town, Nungwi, Kendwa)

• Arusha town

• Moshi

• Dar es Salaam

Where ATMs are NOT available

• Inside national parks (Serengeti, Ngorongoro, Tarangire)

• Safari lodges or tented camps

• Remote wildlife areas

ATM Tips

• International debit/credit cards usually work

• Machines can run out of cash

• Daily withdrawal limits apply

• ATMs dispense Tanzanian Shillings only

• Withdraw before leaving for safari

Best practice: Withdraw cash in Zanzibar or Arusha before entering the parks.

Can I Use Mobile Money or Cashless Payments in Tanzania?

Tanzania is advanced in mobile money, but this system mainly benefits locals, not tourists.

Popular networks

• M-Pesa

• Airtel Money

• Tigo Pesa

For tourists

• Requires local SIM registration

• Not efficient for short trips

• Not accepted at safari lodges

Conclusion: Mobile money is not recommended for safari travelers.

Currency Exchange in Tanzania: What You Need to Know

Where to exchange safely

• Major banks

• Licensed Bureau de Change (Exchange Offices)

• International airports (only for small amounts)

Avoid

• Street money changers

• Unofficial exchange offers

Best exchange locations

• Zanzibar Stone Town – many licensed bureaus

• Arusha town – reliable and competitive rates

• Major banks in cities

Exchange tips

• USD and EUR get the best rates

• Exchange only what you need

• Keep your exchange receipts

• Avoid airport exchanges for large amounts

  
  

Recommended Payment Strategy for Your Tanzania Safari

For a smooth and stress-free safari experience:

• ✔ Pay your safari in advance by card or bank transfer

• ✔ Carry USD cash for tips and extras

• ✔ Withdraw Tanzanian Shillings in Arusha or Zanzibar

• ✔ Keep cash in separate secure pockets (daypack + luggage)

• ✔ Inform your bank before traveling to avoid card blocks

Final Advice for Safari Travelers

Tanzania is safe, welcoming, and well-prepared for tourists—but it is still not a cashless society.The smartest travelers come prepared:

• Cards for hotels, lodges, and major payments

• Cash for tipping, small purchases, and local experiences

When your payment strategy is sorted, you can focus on what truly matters—wildlife, landscapes, culture, and unforgettable safari moments.

Planning a Safari in Tanzania?

A well-organized safari includes both wildlife expertise and essential travel guidance.

If you’re preparing for a trip to Zanzibar or Tanzania’s national parks and want clarity before you arrive, our team is here to help.

Travel informed. Travel confident. Travel well with Gnade Safaris.