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The official currency of Tanzania is the Tanzanian Shilling (TZS). Banknotes are available in various denominations such as 500, 1,000, 2,000, 5,000, and 10,000 shillings, while coins are used for smaller amounts. Prices in local shops, restaurants, and markets are usually quoted in shillings, but in tourist areas, especially for safaris, hotel bookings, and Mount Kilimanjaro climbs, prices are often listed in US dollars. Many tour operators and national parks require payments in USD, particularly for park fees and larger transactions.
When you arrive in Tanzania, it is wise to have both Tanzanian shillings and US dollars. Shillings are best for small daily expenses like buying bottled water, snacks, or paying for local transport. US dollars are preferred for major payments such as tours, flights, and accommodation. Make sure your US dollar notes are in good condition and printed after the year 2009, as older or damaged notes may not be accepted by banks or businesses.
You can exchange foreign currency at banks, licensed exchange bureaus, and some hotels. Exchange rates may vary slightly depending on the location, with better rates usually found in major towns and cities like Arusha, Moshi, or Dar es Salaam. ATMs are available in most urban areas, and they dispense Tanzanian shillings. However, not all ATMs accept foreign cards, so it is important to use machines from reliable banks such as CRDB, NMB, or Standard Chartered. ATMs in remote areas can run out of cash, so it is best to withdraw enough before heading to rural destinations or national parks.
If you are exchanging money, always count your cash carefully and ensure you receive the correct denominations. In some tourist towns, street money changers may approach you with seemingly good rates, but it is safer to use official exchange offices to avoid counterfeit notes or scams.
Credit and debit cards are accepted in many hotels, lodges, and larger restaurants, especially in tourist areas. Visa and Mastercard are the most widely used, while American Express is less common. However, card payments may come with additional charges of between three and five percent, so carrying cash is still important. In rural areas and small shops, card payments are rarely available, and cash will be your only option.
Tanzania has a well-developed mobile money system, with services such as M-Pesa, Tigo Pesa, and Airtel Money widely used by locals. While these services are convenient for domestic transactions, they are less useful for short-term travelers who do not have a local SIM card or Tanzanian ID. However, if you are staying for a longer period and plan to open a local mobile account, mobile money can be an easy way to make payments without carrying large amounts of cash.
For those coming to climb Mount Kilimanjaro or go on safari, most tour operators require an advance deposit via bank transfer or online payment before arrival. The remaining balance can often be paid in cash upon arrival in either US dollars or Tanzanian shillings. Some companies also accept card payments in their offices, but the transaction fees can be higher than paying in cash. It is always best to confirm payment options with your operator in advance.
Park fees, which are mandatory for national parks like Kilimanjaro, Serengeti, and Ngorongoro Crater, are usually paid in US dollars directly to the park authority or through your tour company. Carrying the correct amount in clean USD notes can save you time and avoid issues at park gates.
Tipping is a common practice in Tanzania, especially in the tourism industry. Guides, porters, and hotel staff often rely on tips as part of their income. Tips can be given in US dollars or Tanzanian shillings, depending on what you have available. It is best to carry smaller denominations to make tipping easier. For small purchases like snacks, market goods, or public transport fares, paying in shillings is usually more convenient.
While Tanzania is generally safe for travelers, it is wise to take precautions when handling money. Avoid carrying large amounts of cash in public and use hotel safes to store extra funds. When withdrawing money from ATMs, choose machines located inside banks or shopping centers for added security. Keep your wallet or money pouch in a secure place, especially in crowded markets or bus stations.
Start planning your tailor-made trip by contacting our Tanzania specialist, Mr. Jackson.
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