Money in Tanzania: Shillings, Dollars and Cards

Money in Tanzania can seem confusing at first. The official currency is the Tanzanian shilling (TZS), yet many safari lodges, parks and tour operators quote prices in US dollars. Cards work in some places but not others, and cash is still king in markets and small shops.

Once you understand how the system works, it is straightforward. Here is how we suggest guests handle money during a typical safari and beach trip.

Tanzanian shillings for everyday spending

Use shillings for day-to-day purchases: local restaurants, taxis, markets, small shops, snacks and souvenirs from local vendors. Paying in local currency is usually cheaper than paying in dollars, because sellers often round dollar conversions in their favor.

You can get shillings from ATMs in towns and at the airports, or exchange cash at banks and licensed bureaus de change. Keep a mix of smaller notes, as change can be hard to find in rural areas.

Exchange rates move, so check a current rate on your phone before changing money or agreeing to a price quoted in dollars. Bureaus in town usually offer better rates than hotels, and it is worth counting your money carefully at the counter before you walk away.

US dollars for the big-ticket items

US dollars are widely accepted for larger tourism payments, including safari extras, some hotels and gratuities. Many travelers bring a reserve of dollars as a backup.

Condition matters. Banks and businesses in Tanzania are often strict about notes:

• Bring clean, crisp, recent-series notes without tears, marks or heavy folds.
• Older series notes are frequently refused, so ask your bank for the newest available.
• Larger denominations often get a better exchange rate than small ones.
• Carry some smaller notes for tips and minor purchases where dollars are accepted.
• Keep dollars flat in a wallet or envelope rather than crumpled in a pocket.

Using cards

Credit and debit cards are accepted at many hotels, larger lodges, upmarket restaurants and some shops in Arusha, Moshi, Dar es Salaam and Zanzibar. Visa tends to be more widely accepted than Mastercard, and other card networks can be harder to use.

Many businesses add a card surcharge to cover processing costs, so ask before you pay. Card machines in remote camps rely on connectivity, which is not always reliable, so never depend on a card alone. Tell your bank you are traveling to avoid blocks, and bring at least two cards kept in separate places.

What has usually been paid already

On a package safari, the biggest costs are normally settled before you arrive. Park fees, accommodation, meals, the vehicle and your guide are typically included in the price you pay your operator. That means the cash you carry is mainly for tips, drinks, souvenirs, optional activities and personal spending.

Check your itinerary to see exactly what is included, and ask us if anything is unclear.

Keeping money safe

Split your cash between a hotel safe, a money belt or hidden pouch and a small everyday wallet. Avoid counting money openly in the street. Mobile money services are very popular among Tanzanians, but most short-stay visitors find cash and cards simpler.

Before you travel, photograph your cards (front only) and note your banks' international emergency numbers. If a card is lost or blocked, you can act quickly. Keep a small emergency reserve of dollars somewhere separate from your daily wallet, so a lost bag never leaves you without funds.