If you’re planning a trip to Tanzania, it’s good to understand how money works there before you go. From paying for street food to shopping at local markets, knowing the local currency and how to use it will help you enjoy your stay without any confusion.
What Is the Currency in Tanzania?
Tanzania uses the Tanzanian Shilling (TZS) as its local money. You’ll often see prices written as TSh or /=. This is the currency used in everyday life — from buying snacks to booking taxis. Tanzanian shillings come in both notes and coins:
• Notes: TSh 500, 1,000, 2,000, 5,000, and 10,000
• Coins: TSh 50, 100, 200, and 500
The most used note is the 10,000 shilling, which is around a few US dollars depending on the exchange rate.
Can You Use US Dollars or Other Foreign Currency?
Yes, in some places! US Dollars (USD) are accepted in many hotels, safari lodges, and tourist shops — especially in major cities or tourist areas like Arusha, Zanzibar, and Dar es Salaam. But for small purchases, local transport, and market shopping, it’s best to use Tanzanian Shillings. It makes life easier and helps you avoid paying extra due to bad exchange rates.
Where to Exchange Money
You can exchange your money at:
• Banks
• Currency exchange offices (also called Forex bureaus)
• Some hotels, though rates might be higher
It’s a smart idea to change a small amount at the airport when you land, just to get started. For better rates, you can exchange more money once you reach a city.
Always count your money carefully and keep the receipt when you exchange.
Using ATMs in Tanzania
ATMs are easy to find in big cities like Dar es Salaam, Arusha, Moshi, and Stone Town (Zanzibar). Most machines accept Visa and MasterCard.
Tips for using ATMs:
• Withdraw in Tanzanian Shillings
• Avoid withdrawing too much at once, just in case
• Some machines may charge a small fee per transaction
Make sure to let your bank know that you’re travelling to Tanzania, so they don’t block your card by mistake.
Are Credit Cards Accepted?
Yes — but not everywhere.
You can use credit or debit cards at:
• Big hotels
• High-end restaurants
• Tour companies
• Some supermarkets
However, in many smaller shops, local cafes, and markets, cash is still the best option. Also, some places may add a small fee (3–5%) if you pay by card.
So it’s always a good idea to carry some cash with you, especially when you’re outside the big cities.
Carry Small Notes for Daily Use
Having small bills like 1,000 or 2,000 TSh is helpful. Some vendors may not have change for big notes like 10,000, especially in remote areas or villages.
You’ll need small bills for:
• Buying water and snacks
• Paying for local transport (like dala-dalas or bajajs)
• Tips and donations
• Entry to local attractions or bathrooms
Tipping in Tanzania
Tipping is not a must, but it’s appreciated. If someone gives you good service — like a tour guide, hotel staff, or driver — you can leave a small tip in Tanzanian Shillings.
Suggested tips:
• Tour guide: $5–$10 per day
• Driver: $3–$5 per day
• Porter: 1,000–2,000 TSh
Always tip based on the service and your comfort level.
Staying Safe with Your Money
Just like in any country, it’s important to stay smart with your cash:
• Don’t carry too much money at once.
• Use a money belt or a secure bag.
• Keep a small amount handy for quick purchases.
• Don’t flash large notes in public areas.
Money Made Easy in Tanzania
Paying in Tanzania is simple once you know what to expect. Use Tanzanian Shillings for most things, keep small notes with you, and use your card only where it’s accepted. Whether you’re exploring a busy market or relaxing at a beach lodge, managing your money well will help you enjoy every part of your adventure.
So don’t worry — once you land in Tanzania, you’ll quickly get the hang of using the local money. And with a bit of preparation, your trip will be smooth, stress-free, and full of great memories!
