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    Your complete guide to money matters while traveling in Tanzania

    10 minutes read
    Your complete guide to money matters Easy travel tanzania

    Knowing about another country’s money or currency is best when traveling. This way, you can buy what you like and eat smoothly.

    For instance, that gorgeous, red-and-blue checked fabric catches your eye more than anything else. You stare transfixed as he explains the history of this traditional Maasai pattern. If you are impressed, you can buy it using the money you have exchanged.

    Your small group had traveled for ten days through the Serengeti and Ngorongoro Crater, having the experience of a lifetime. This is your last day before returning to Arusha for your flight home. You’re stopped at a Maasai market for some shopping.

    When you approach her, the merchant is radiant. She places your hand upon the soft fabric, and you melt. This blanket is different; it’s brilliant.

    Settling on a price, you reach for Tanzanian shillings and realize you barely have any left.

    In Arusha, everyone had gone to the ATM except you. You thought you had withdrawn enough shillings, but now you’re out. Luckily, your group pools some cash, and you walk away with this brilliant shuka over your shoulder, smiling but wishing you had been a bit more money-savvy from the start.

    When traveling, money matters can vary drastically by country. In some countries, credit cards are the way. In others, cash and traveler’s checks are king. To end all ambiguity, we compiled a complete guide to all things money when visiting Tanzania. What you find below will answer 99.9% of all issues cha-ching.

    Before you arrive

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    Shillings, the National Currency. The Tanzania Shilling (TSh) is convertible to US Dollars, Euros, and other currencies within Tanzania. You can exchange your money in several places, but we advise only to use hotels, banks, and bureau de changes. US dollars are recommended over euros or pounds. Watch exchange rates in real-time here (xe.com).

    Don’t bring old cash. Most Tanzanian shops won’t accept U.S. bills dated 2006 or earlier. Why? The older-issued bills were easy to forge. Good to know! Also, if you have highly tattered bills, merchants will reject them. Think of U.S. currency like potato chips: they’re best when crispy, clean, and not outdated.

    Refrain from bringing travellers cheques. These artifacts live in large piles of pagers, landline telephones, and Teletubbies. Don’t bring them; it’s as much a hassle for you as it is for Tanzanians.

    Credit, debit, cash: The Golden Triangle. These three should function as your primary methods of carrying money. Keep it simple. VISA is the most widely recognized, followed by Mastercard (5% surcharge per swipe). Most lodges and higher-end shops accept credit cards.

    For your Tanzania safari adventures and visits to national parks, have enough Tanzanian shillings for park fees and local market purchases. It’s advisable to plan your budget accordingly and consider using a reputable safari company for your trip, as they can give valuable insights and assistance.

    Remember to indulge in local food experiences, but carry some cash for those transactions. Lastly, here are some money tips:

    – Exchange money at reputable places.

    – Withdraw cash from ATMs in safe locations.

    – Constantly monitor your spending to ensure a smooth and enjoyable trip.

    Upon arrival

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    Entry visa costs. Make sure to go to the airport with extra cash for your visa fee. This widespread mistake makes for awkward moments in the visa line. For U.S. residents: $100. For all others: $50.

    ATMs: Cash machines aren’t found outside major cities (Arusha, Moshi, Dar, Zanzibar, etc.), so be sure to withdraw what you need before you go anywhere else (a daily maximum of 400,000 Tanzanian shillings, which is less than USD $200). Also, don’t forget to call your banks and inform them of your trip dates (and prepare to make the bank teller extremely jealous).

    While in Tanzania​

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    Shillings are Best. The further your safari travels from major urban hubs, the less likely stores and artisans will be willing to accept U.S. currency. It’s a good rule of thumb that you’ll always receive a better exchange rate when you pay using shillings.

    Keep your receipts. If you do use credit/debit cards in Tanzania, be sure to keep your receipts. If you return home and a charge looks mysterious, you’ll have a paper trail to prove the miscalculation.

    Etiquette: In Tanzania, bargaining is part of the deal (literally). Merchants expect to haggle but within reason. Remember when negotiating a price that Tanzanians work hard, too, and they have families to feed and financial needs, just like you. Have fun, but be reasonable. Here are tips we found helpful: view more.

    Tipping: This can get a little complicated, but worry not. Easy Travel can help you navigate this. Click here for a complete overview of tipping in Tanzania.

    Other essential items

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    Hints for Carrying Money: Money belts can be clunky and awkward, but some sleek designs are out there these days (source). If you carry a wallet, keep it in your front pocket.

    Lastly, if you withdraw handsome amounts of shillings, distribute them in a few places: some in your money belt, some in your daypack’s pocket, and some emergency dollars hidden in your luggage. That way, if anything happens to one bag, you still have other resources available.

    For Travelers on a Budget…If you’re watching your pennies and wish to be money-conscious during your time in Tanzania, here is a list of the five best things you can do.

    The fine print

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    Additional Costs: An Easy Travel safari package includes all accommodations (for Zanzibar, clients often book their own), wildlife viewing drives, 4WD safari vehicles, fuel, park fees, and services of drivers and guides. Additional costs you have to incur include international flights, domestic flights (unless requested), any trip changes, camping fees, travel and medical insurance, personal equipment for Kilimanjaro, tipping, laundry, drinks, phone calls, souvenirs, and visa fees.

    Arrival/Departure Accommodations: Here’s some fine print regarding your first and last nights in Arusha: clients can choose one of two options for accommodations: first, you can book a bed-and-breakfast hotel, where you’ll be responsible for paying for your own for lunch and dinner. The second option is to secure “half-board” accommodations, which include breakfast and dinner. While on safari, all meals are included for the duration.

    Paying for your Experience: Click here for a complete overview of Easy Travel’s payment methods for your trip). Take a peek for a complete look at the Terms and Conditions.

    Bottom line?

    This guide should cover you between ATMs for cash and credit card purchasing options in Tanzania. A little planning ahead goes a long way, with backup credit cards, receipts, and copies of essential documents recommended.

    Easy Travel is here to help and can advise on any money-related questions. Contact us today, and let’s get you started on a trip of a lifetime.

    Getting you there?

    Whether you are looking to join us for a beach combing style break away in Zanzibar, exploring the realms of the Serengeti on an African Safari or climb Mount Kilimanjaro with our experienced guides we are here to help. Still unsure when is best to join us? Contact us today and allow us to help answer all your questions.

    Frequently Asked Questions (FAQs)

    What is the currency used in Tanzania?

    Tanzania’s official currency is the Tanzanian Shilling (TSh), used for most transactions nationwide. Although US dollars are widely accepted, it’s prudent to carry Tanzanian shillings for purchases in rural or less developed areas where dollar acceptance may be limited.

    A mix of currencies ensures you’re prepared for various situations, allowing seamless transactions regardless of location. This approach enhances convenience and flexibility during your travels in Tanzania.

    Are US dollars widely accepted in Tanzania?

    US dollars are the common currency for transactions in Tanzania, especially in tourist hotspots and urban centers. Despite their widespread acceptance, it’s advisable to diversify your currency holdings to include Tanzanian shillings and other currencies for flexibility.

    Carrying a mix of currencies ensures you’re prepared for any situation, whether purchasing in bustling cities or exploring remote areas. This approach enhances convenience and minimizes potential challenges during your travels in Tanzania.

    What are the average accommodation costs in Tanzania?

    Accommodation costs in Tanzania fluctuate based on factors like the type of lodging and its proximity to tourist attractions. Budget accommodations typically offer rates ranging from $20 to $50 per night, providing affordable options for travelers seeking basic amenities.

    Meanwhile, mid-range options offer a more comfortable stay with costs ranging from $50 to $150 per night, catering to those seeking additional amenities and services. Researching and comparing accommodation choices to find the best fit for your budget and preferences while exploring Tanzania is advisable.

    Do hotels in Tanzania accept credit cards?

    While numerous hotels in Tanzania accept credit cards, verifying this information with the hotel before your arrival is prudent. This precaution ensures a smooth check-in process and avoids potential disruptions to your travel plans. Confirming the hotel’s payment policies can help you prepare accordingly, whether by bringing cash as a backup or ensuring your credit card is readily accessible.

    How much does it cost on average per person for a Tanzania trip?

    The cost of a Tanzania trip varies depending on factors like accommodation choices, activities planned, and the length of your stay. On average, expect a typical trip to range from $1000 to $5000 per person, covering expenses such as accommodation, meals, transportation, and activities. By budgeting accordingly and prioritizing your spending, you can tailor your Tanzania experience to fit within your financial means.

    Are private rooms available in accommodations, and do they cost extra?

    Private rooms offer added comfort and privacy for travelers seeking a more personal accommodation experience in Tanzania. Available in various lodging options such as hotels, lodges, and guesthouses, these rooms typically incur extra charges compared to shared or dormitory-style accommodations. While the additional cost may be higher, the convenience and exclusivity of a private room can enhance your overall travel experience in Tanzania.

    Do visitors need to pay additional surcharges when using credit cards in Tanzania?

    To prevent unexpected expenses, asking about potential surcharges before making a credit card transaction is wise. These additional fees, usually around 5% of the total, can add up, impacting your overall spending. By clarifying this information upfront, you can budget more effectively and make informed payment decisions during your time in Tanzania.

    Are there any recommended safari operators for trips to Serengeti National Park?

    When planning a safari in Serengeti National Park, exploring various safari operators’ options and reading reviews from past travelers is crucial. This research helps you select a reputable operator that meets your preferences and financial constraints. Finding a trustworthy company can enhance your safari experience and create lasting memories in Tanzania’s iconic wilderness.

    What are the average costs for park fees in national parks?

    Park fees in Tanzania national parks fluctuate based on the park’s renown and the visitor’s residency status. Typically, foreign travelers can anticipate paying between $50 and $100 per person for entry, while locals may receive discounted rates.

    These fees give back to the conservation efforts and upkeep of Tanzania’s natural treasures, ensuring the preservation of its diverse ecosystems for future generations to enjoy. It’s advisable to check specific park fees beforehand to plan and budget for your visit to Tanzania’s renowned national parks.

    Should travelers bring traveler’s cheques or rely on other forms of payment?

    Traveler’s cheques are not commonly accepted in Tanzania due to their decreasing popularity and limited utility. Therefore, it’s best to rely on cash and cards for your transactions while exploring the country. By having multiple forms of payment readily available, you can ensure smooth and hassle-free transactions during your travels in Tanzania.

    Can visitors expect to find affordable options for accommodation if on a tight budget?

    Tanzania provides a range of budget-friendly accommodation choices, including hostels, guesthouses, and campsites, catering to travelers with limited budgets. These options offer affordable stays, ensuring budget-conscious travelers can find suitable lodging without compromising quality.

    Whether you prefer a hostel’s communal atmosphere, the guesthouse’s coziness, or the campsite’s outdoorsy vibe, Tanzania has accommodations to suit your preferences and budget constraints. With various affordable options, exploring Tanzania on a tight budget is feasible for savvy travelers.

    Is it better to bring US dollars or exchange them for Tanzanian currency upon arrival?

    While US dollars are widely accepted in Tanzania, exchanging a portion of your currency for Tanzanian shillings upon arrival is prudent, particularly for smaller transactions in rural areas where dollar acceptance may be limited.

    This ensures the local currency is readily available for street food or souvenir purchases. Additionally, using Tanzanian shillings can often result in more favorable exchange rates and avoid potential confusion with currency conversions.

    Overall, having a mix of US dollars and Tanzanian shillings provides flexibility and convenience during your travels in Tanzania.

    What are the average costs for basic rooms in Tanzania?

    Basic rooms in Tanzania, found in budget accommodations, offer simple yet comfortable lodging options for travelers on a tight budget. With prices normally ranging from $10 to $30 per night, these rooms are affordable for those prioritizing cost-effective accommodation. While amenities such as shared bathrooms or minimal furnishings may be basic, these rooms are a practical and economical choice for budget-conscious travelers exploring Tanzania.

    Are there any additional fees or charges when visiting Serengeti National Park?

    In addition to park entry fees, visitors to Serengeti National Park may pay extra for guided tours, which offer insightful experiences of the park’s wildlife and landscapes. Camping fees may apply for those seeking to immerse themselves in the park’s natural beauty overnight.

    Special permits may also be necessary for accessing certain restricted areas within the park, ensuring conservation efforts are upheld while providing unique exploration opportunities. It’s advisable to inquire about these additional charges beforehand to plan and budget accordingly for your Serengeti adventure.

    What are some money-saving tips for travelers exploring Tanzania?

    To maximize your budget while traveling in Tanzania, don’t hesitate to bargain when shopping for souvenirs or goods. Also, choose budget accommodations that offer comfortable lodging at lower prices.

    Explore local eateries to savor authentic Tanzanian cuisine at affordable prices. Lastly, plan by booking tours or activities in advance—this allows you to secure better deals and avoid last-minute price hikes.

    What are the common methods of transferring money in Tanzania?

    In Tanzania, mobile money services like M-Pesa, Tigo Pesa, and Airtel Money have gained immense popularity due to their convenience and accessibility. These platforms allow users to transfer money, pay bills, and conduct financial transactions using mobile phones. 

    Additionally, bank transfers provide another reliable option for transferring funds electronically, especially for more significant transactions or international transfers. Despite the rise of digital payments, cash transactions remain prevalent, particularly in rural areas where access to banking services may be limited.

    Are there any restrictions on foreign currency exchange in Tanzania?

    Yes, there are regulations governing foreign currency exchange in Tanzania. Individuals and businesses must conduct foreign currency transactions through authorized dealers such as banks and licensed bureaux de change. Additionally, there are limits on the amount of foreign currency that can be bought or sold without documentation.

    Musaddiq Gulamhussein - Owner - Easy Travel Tanzania

    About the author: Musaddiq

    Meet Musaddiq Gulamhussein, owner of Easy Travel Tanzania, a tour company creating life-changing safari experiences for over 35 years. Musaddiq has explored Tanzania, developing a deep understanding of the local cultures and traditions. Follow his journey and gain insights into the African Safari experience through Easy Travel's social media and blog.

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