What is the currency used in Zambia, and can I use credit cards?

The currency used in Zambia is the Zambian Kwacha (ZMW). Since Kwacha is the national currency, it is typically used for all domestic transactions. Coins and banknotes are widely circulated, with the most commonly used denominations being 2, 5, 10, and 20 Kwacha banknotes, as well as smaller coins for change.

Additionally, credit cards are accepted in Zambia. However, they are mostly used in major cities, high-end dining establishments, hotels, and a few stores. Visa and Mastercard are the most commonly accepted cards. However, outside major cities like Lusaka, Livingstone, and Ndola, cash is often required. Especially in rural areas or smaller towns where card payment facilities may not be available.

ATMs are available in cities and towns and allow you to withdraw Kwacha using international credit or debit cards, though transaction fees may apply. It’s advisable to carry some local currency for smaller purchases, transportation, and tipping, as card payments may not always be an option. Always inform your bank of your travel plans to avoid issues with international transactions, and consider carrying a backup payment method for added security.

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