Can I Pay with a Credit Card in Zanzibar?

Can I Pay with a Credit Card in Zanzibar?

Zanzibar, the beautiful island in Tanzania, is famous for its stunning beaches, rich culture, and exciting adventures. If you’re planning a trip to Zanzibar, you might wonder, “Can I pay with a credit card in Zanzibar?” Let’s dive into the answer in simple and clear language.

RELATED POST: Can I Use USD Dollars in Zanzibar?

Can I Use Credit Cards in Zanzibar?

Yes, you can use credit cards in Zanzibar, but it depends on where you are. Some places accept credit cards, but others do not. Let’s look at the common places and whether they accept credit cards:

1. Hotels and Resorts
   • Most hotels and resorts in Zanzibar accept credit cards. Big resorts like those in Nungwi, Kendwa, or Stone Town often accept Visa, MasterCard, and sometimes American Express.
   • Some small guesthouses or local accommodations might only accept cash, so it’s good to ask before booking.
2. Restaurants
   • Big restaurants and tourist-friendly spots usually accept credit cards.
   • Local food stalls or small restaurants might not accept cards. It’s always good to carry some cash for these places.
3. Shops and Markets
   • Big souvenir shops or supermarkets in places like Stone Town may accept credit cards.
   • Local markets and small vendors mostly accept cash only. This includes buying items like spices, art, and local crafts.
4. Tours and Activities
   • Some tour companies in Zanzibar accept credit card payments, especially if you book in advance online.
   • On-the-spot payments for tours, like boat rides or spice farm visits, often require cash.
5. Transportation
   • Public transport, like dala-dala (local minibusses), only accepts cash.
   • Some taxi services or private transfers might accept credit cards, but this is rare. It’s better to carry cash for transport.

What Types of Credit Cards Are Accepted?

The most common credit cards accepted in Zanzibar are:

• Visa: Widely accepted in hotels, restaurants, and shops.
• MasterCard: Also commonly accepted.
• American Express: Accepted in fewer places compared to Visa and MasterCard.

Before traveling, it’s good to check with your bank if your credit card will work internationally.

Are There Fees for Using a Credit Card in Zanzibar?

Yes, there might be extra fees when you use a credit card in Zanzibar. Here’s what to expect:

• Transaction Fees: Some businesses charge a 3-5% fee for credit card payments. This is common in many places.
• Currency Conversion Fees: Your bank might charge a fee for converting Tanzanian Shillings to your currency.
• ATM Fees: If you withdraw cash using your credit card at an ATM, there might be withdrawal fees.

To avoid surprises, check with your bank about international fees before your trip.

Is It Safe to Use Credit Cards in Zanzibar?

Yes, it is safe to use credit cards in Zanzibar, but you should be careful. Here are some tips:

• Use Cards in Trusted Places: Only use your credit card in reputable hotels, restaurants, and shops.
• Check the Machine: When paying, make sure the card machine looks secure and not tampered with.
• Keep Receipts: Always keep your receipts in case you need to dispute a charge later.
• Inform Your Bank: Let your bank know you are traveling to Zanzibar, so they don’t block your card for suspicious activity.

Where Can I Get Cash in Zanzibar?

If you need cash, there are ATMs in Zanzibar where you can withdraw money. Most ATMs are in Stone Town and other tourist areas. Here’s what you need to know:

1. Which Cards Work at ATMs?
   • Visa and MasterCard are accepted at most ATMs.
   • American Express is rarely accepted.
2. Cash Limits
   • Most ATMs allow you to withdraw up to 400,000 Tanzanian Shillings per transaction. This is about $160 USD, depending on the exchange rate.
3. ATMs Locations
   • Popular ATMs can be found in Stone Town, Nungwi, and Kendwa.
   • ATMs might not always be available in remote areas, so plan ahead.
4. Currencies Accepted
   • ATMs dispense Tanzanian Shillings. Some ATMs may also allow withdrawals in US Dollars.

Should I Carry Cash in Zanzibar?

Yes, it’s important to carry cash in Zanzibar because not all places accept credit cards. Here’s why:

1. Convenience: Small vendors, local markets, and transport only accept cash.
2. No Card Machines: Some remote areas or small businesses don’t have card machines.
3. Better Deals: In some markets or with local vendors, cash can help you negotiate better prices.

It’s a good idea to carry Tanzanian Shillings and some US Dollars. Many businesses in Zanzibar accept US Dollars, but small places might prefer Shillings.

How to Exchange Money in Zanzibar

You can exchange money in Zanzibar easily. Here’s how:

1. Currency Exchange Offices
   • Found in Stone Town and major tourist areas.
   • Offer better rates than airports or hotels.
2. ATMs
   • Use ATMs to withdraw Tanzanian Shillings directly.
3. Hotels
   • Some hotels exchange money but often offer lower rates.

Make sure you exchange enough money if you’re visiting remote areas, as there might not be ATMs or exchange offices nearby.

Conventional Section: Pros and Cons of Using Credit Cards in Zanzibar

Pros:

• Convenient for paying at big hotels, resorts, and restaurants.
• Safer than carrying large amounts of cash.
• Easy to track your spending.

RELATED POST: What Language Is Spoken in Zanzibar?

Cons:

• Not accepted everywhere, especially in small or local businesses.
• Extra fees for transactions.
• ATMs might not always be available in remote areas.

How Can Seko Tours Help?

If you’re planning a trip to Zanzibar or a safari in Tanzania, Seko Tours can help make your journey smooth and stress-free. While we specialize in custom safari adventures, we can also assist you with planning your trip to Zanzibar, including advice on money, payments, and the best places to visit. Let us help you create unforgettable memories!