Are There ATMs in Zanzibar?

Are There ATMs in Zanzibar?

Zanzibar is a beautiful island located off the coast of Tanzania, known for its white sandy beaches, rich history, and vibrant culture. If you’re planning a trip to Zanzibar, you might wonder, “Are there ATMs in Zanzibar?” In this blog post, we’ll explain everything you need to know about using ATMs in Zanzibar, how to access money, and tips for managing your finances while traveling.

Are There ATMs in Zanzibar?

Yes, there are ATMs in Zanzibar. However, they are not as common as in larger cities like Dar es Salaam or Nairobi. Most ATMs in Zanzibar are found in Stone Town, the main city on the island, and a few other populated areas. If you’re staying in a remote location or on one of the smaller islands around Zanzibar, you may not find an ATM nearby.

It’s important to plan ahead, especially if you’re traveling to rural areas or planning activities far from major towns.

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Where Can I Find ATMs in Zanzibar?

Here are some of the main places where you can find ATMs in Zanzibar:

1. Stone Town

Stone Town, the historic heart of Zanzibar, has the highest number of ATMs on the island. You can find ATMs from major banks like CRDB, NMB, and NBC. These ATMs are located near popular areas such as:

• Forodhani Gardens
• Darajani Market
• Shangani Area

2. Abeid Amani Karume International Airport

If you’re flying into Zanzibar, you’ll find ATMs at the airport. It’s a good idea to withdraw cash here when you arrive, especially if you’re heading to a more remote part of the island.

3. Nungwi and Kendwa

These are popular beach destinations in the northern part of Zanzibar. While ATMs are limited, you can usually find one or two in the area. However, they may run out of cash, especially during peak tourist seasons.

4. Paje and Jambiani

In the southeast part of the island, Paje and Jambiani are popular spots for kitesurfing and relaxing by the beach. Some ATMs are available, but they can be less reliable than those in Stone Town.

What Cards Work in Zanzibar ATMs?

Most ATMs in Zanzibar accept major international debit and credit cards. These include:

• Visa
• Mastercard
• Maestro

However, American Express (AmEx) cards are not widely accepted at ATMs in Zanzibar. If you plan to use AmEx, it’s best to carry an alternative card or cash.

Things to Know About Using ATMs in Zanzibar

Before you use an ATM in Zanzibar, here are some important tips to keep in mind:

1. Withdrawal Limits

Many ATMs in Zanzibar have daily withdrawal limits, usually between 400,000 and 1,000,000 Tanzanian Shillings (approximately $160 to $400). If you need more cash, you may need to make multiple transactions.

2. ATM Fees

Most banks in Zanzibar charge a withdrawal fee for using an international card. This fee can range from $3 to $7 per transaction, depending on your bank. It’s a good idea to withdraw larger amounts to minimize fees.

3. Reliability

Some ATMs in Zanzibar may run out of cash, especially during busy tourist seasons or weekends. It’s always a good idea to withdraw cash in advance and not wait until you’re out of money.

4. Power and Network Issues

Occasionally, ATMs in Zanzibar may not work due to power outages or network problems. This is more common in remote areas, so be prepared by carrying some cash as a backup.

5. Currency Dispensed

ATMs in Zanzibar dispense Tanzanian Shillings (TZS). While some businesses accept US Dollars, most local shops and restaurants prefer payment in Tanzanian Shillings.

Can You Use Credit Cards in Zanzibar?

Credit cards are accepted at some hotels, resorts, and larger restaurants in Zanzibar. However, smaller establishments and local markets usually operate on a cash-only basis. If you plan to shop for souvenirs, eat at local restaurants, or pay for tours, it’s best to carry cash.

Additionally, some places charge a 3-5% fee for paying with a credit card, so keep this in mind when budgeting for your trip.

What If There Are No ATMs Nearby?

If you’re in a remote area without access to ATMs, here are some alternatives:

1. Bring Cash with You

It’s always a good idea to bring some cash with you when traveling in Zanzibar. US Dollars are widely accepted and can be exchanged for Tanzanian Shillings at currency exchange offices or banks in Stone Town.

2. Use Mobile Money

Mobile money services like M-Pesa and Tigo Pesa are popular in Tanzania, including Zanzibar. If you have a local SIM card, you can load money onto your mobile wallet and use it to pay for services or send money to others.

3. Traveler’s Cheques

While less common nowadays, traveler’s cheques can be a backup option. You can exchange them at some banks or currency exchange offices in Stone Town.

Tips for Managing Your Money in Zanzibar

Here are some simple tips to help you manage your finances while visiting Zanzibar:

1. Withdraw Cash in Stone Town: Since most ATMs are in Stone Town, it’s a good idea to withdraw enough cash before heading to remote areas.
2. Carry Small Bills: Many local businesses may not have change for large denominations, so keep smaller bills handy.
3. Use a Money Belt: To keep your cash and cards safe, consider using a money belt or secure pouch while traveling.
4. Inform Your Bank: Let your bank know you’re traveling to Zanzibar to avoid any issues with your card being blocked.
5. Keep Emergency Cash: Always have a small amount of emergency cash in case you face any issues with ATMs or cards.

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Convenience in Zanzibar

While ATMs are available in Zanzibar, accessing them can sometimes be challenging due to their limited locations and occasional technical issues. Planning ahead is key to avoiding any inconvenience. If you’re staying in Stone Town or popular tourist areas, you’ll likely have easy access to ATMs, but for more remote destinations, it’s best to carry enough cash.

If you’re planning a custom safari or trip around Tanzania, we can help you organize your journey to ensure you’re well-prepared and can enjoy your travels without worrying about money matters.