When planning a trip to Tanzania — whether for a wildlife safari, a climb up Mount Kilimanjaro, or a beach escape in Zanzibar — it’s important to understand the local currency, payment methods, and money-related tips to make your journey smooth and stress-free.
Here’s everything you need to know about currency in Tanzania.
1. The Official Currency
Tanzania’s official currency is the Tanzanian Shilling, abbreviated as TZS.
- Symbol: TSh or /=
- Banknotes: 500, 1,000, 2,000, 5,000, and 10,000 shillings.
- Coins: 50, 100, 200 shillings (less commonly used in tourist transactions).
While Tanzanian shillings are used for most everyday purchases, US dollars (USD) are also widely accepted in hotels, safari lodges, and for some tours — especially in tourist areas.
2. Currency Exchange
You can exchange money at:
- Banks (available in cities and larger towns)
- Licensed Forex Bureaus (offer competitive rates)
- Some Hotels (rates may be less favorable)
Tips for exchanging money:
- USD bills should be issued after 2006 and in good condition — older or damaged notes may be refused.
- Always count your cash before leaving the counter.
3. Using ATMs in Tanzania
ATMs are available in major cities such as Arusha, Dar es Salaam, Moshi, and Zanzibar Town, but are less common in remote safari areas.
ATM Tips:
- Visa cards are more widely accepted than MasterCard at Tanzanian ATMs.
- Withdrawal limits may apply (often TSh 400,000–600,000 per transaction).
- Inform your bank of your travel plans to avoid card blocks.
4. Credit and Debit Cards
Credit cards (Visa, MasterCard, and to a lesser extent, American Express) are accepted at many hotels, lodges, and upmarket restaurants. However:
- Smaller shops and local markets generally prefer cash.
- Some establishments add a surcharge of 3–5% for card payments.
5. Mobile Money Services
Tanzania has a thriving mobile money system, with services such as M-Pesa, Airtel Money, and Tigo Pesa. While these are primarily used by locals, some tour operators and small businesses may accept payments through these platforms.
6. Tipping Etiquette
Tipping is customary in the tourism industry and a great way to show appreciation for excellent service.
Typical tips:
- Safari guides: USD $10–20 per day (per group).
- Hotel staff: USD $1–2 per service.
- Restaurant service: 5–10% of the bill if not already included.
7. Safety and Money Handling Tips
- Avoid carrying large amounts of cash.
- Use a money belt or hotel safe for valuables.
- Be cautious when withdrawing money from ATMs in public areas.
Final Thoughts
The Tanzanian shilling is your key to navigating daily expenses, while US dollars offer convenience in the tourism sector. By mixing both currencies and being aware of local payment practices, you can enjoy a smooth and hassle-free travel experience in Tanzania.
With the right currency knowledge, your focus can remain where it belongs — on the stunning wildlife, rich culture, and unforgettable adventures that Tanzania offers.
