When planning your trip to Tanzania’s island paradise, one practical question always comes up: Can I use credit cards in Zanzibar? The answer is yes—but only in certain places. While Zanzibar is increasingly tourist-friendly, you’ll still need to know where and how to use your cards, avoid surprise fees, and when to rely on cash instead.
In this guide, we’ll explain everything you need to know about credit card use in Zanzibar, including accepted cards, transaction tips, and safer payment alternatives.
🏨 Where Can You Use Credit Cards in Zanzibar?
Although Zanzibar is relatively modern in many ways, it still runs largely on cash—especially outside of big resorts. Credit cards in Zanzibar are mainly accepted at:
- International hotel chains and upscale resorts
- Major tour agencies and safari companies
- High-end restaurants and souvenir shops
- Some pharmacies and boutique stores in Stone Town
However, in local markets (souks), taxis, smaller guesthouses, and many restaurants, only cash is accepted. Always ask before trying to pay with a card.
💸 Which Credit Cards Work Best in Zanzibar?
Visa and MasterCard are the most widely accepted credit cards in Zanzibar. On the other hand, American Express is rarely accepted outside of luxury hotels.
To ensure smooth transactions:
- Notify your bank before traveling to avoid blocks
- Use a credit card with no foreign transaction fees
- Carry a second card for backup (Visa + MasterCard)
- Save receipts in case of double charges
💰 Credit Card Fees and Currency Charges
Even when accepted, card transactions in Zanzibar often come with extra fees, typically between 3% and 5%. Moreover, most businesses will charge in Tanzanian Shillings (TZS), which means your bank may apply currency conversion charges.
To avoid surprises:
- Ask in advance if there’s a surcharge
- Use a travel credit card that minimizes currency fees
- Confirm the total charge before approving
🏧 Are ATMs Reliable in Zanzibar?
ATMs are available in major towns like Stone Town, Paje, and Nungwi. However:
- Machines may be out of service or out of cash
- Some ATMs reject foreign cards
- Daily withdrawal limits are often low
- Only dispense Tanzanian Shillings
It’s wise to withdraw enough cash during the day when banks are open and carry some USD as backup.
🪙 When Should You Use Cash Instead?
You’ll absolutely need cash for:
- Local taxis and dala-dala minibuses
- Street food vendors and roadside stalls
- Small entrance fees to attractions
- Gratuities and tipping
- Beach activities and local artisans
That’s why, despite growing infrastructure, Zanzibar remains a cash-first destination in many situations.
✅ Safer Payment Alternatives
If you prefer not to carry large amounts of cash:
- Use mobile money platforms (like M-Pesa) if available
- Use travel cards or prepaid currency cards
- Keep valuables secure in a money belt or hotel safe
In short, credit cards in Zanzibar work only part of the time—so diversifying your payment options is smart.
🧳 Final Thoughts: Can You Use Credit Cards in Zanzibar?
Yes, you can use credit cards in Zanzibar, especially at major hotels, resorts, and select businesses. However, always carry cash for everything else. Visa and MasterCard are your safest bets, while American Express is best left at home.
By preparing ahead, understanding the limitations, and using credit wisely, you can enjoy Zanzibar without money worries—just sun, sea, and spice.
