Money and payments in Zanzibar are among the most frequently asked topics before a trip. Many travelers wonder: what currency to use, whether it’s better to take cash, pay by credit card, withdraw on-site, or if euros and dollars are accepted.
Here are the most useful tips to avoid unnecessary fees and better manage your budget during your stay in Zanzibar.
What currency to use in Zanzibar?
The local currency in Zanzibar and Tanzania is the Tanzanian shilling (TZS).
Even though many establishments also accept euros and dollars, it is generally more advantageous to pay directly in Tanzanian shillings.
Local prices are often more interesting when paid in the local currency.
Should you take cash for Zanzibar?
Yes, it is highly recommended to travel with cash.
The most advantageous solution generally consists of:
- taking euros with you before departure,
- then exchanging them directly in Zanzibar.
Where to exchange your money in Zanzibar?
You will easily find exchange offices throughout Zanzibar.
Exchange rates in Zanzibar are often more favorable than those offered in Europe, the United States, Canada, or at international airports.
For this reason, it is generally not recommended to exchange Tanzanian shillings before your trip. Most travelers get a better rate by exchanging money upon arrival in Zanzibar.
Can you withdraw money in Zanzibar?
Yes, it is possible to withdraw Tanzanian shillings directly from ATMs on-site.
The fees are often reasonable depending on your bank.
In many cases, withdrawing directly in Zanzibar will be more advantageous than:
- exchanging shillings before departure,
- or systematically paying by credit card.
Should you pay by credit card in Zanzibar?
Payment by credit card is possible in many hotels, restaurants, or tourist establishments.
However, many apply a tax or surcharge when paying by card.
Note: this is not your bank’s fees, but rather an amount added directly by the merchant.
That is why cash often remains the most economical solution.
Can you pay in euros or dollars in Zanzibar?
Yes, euros and dollars are still widely accepted in many tourist spots in Zanzibar.
But be careful: the rates applied are sometimes not advantageous, especially for payments in euros.
In some establishments, the calculation is made as if: 1 euro = 1 dollar, whereas the dollar is generally worth more than the euro in this context.
Result: paying in euros can make you lose money.
Does the new regulation prohibit foreign currencies in Zanzibar?
Many pieces of information circulate regarding a reform related to foreign currencies in Zanzibar.
In practice, it is still possible for travelers to:
- come with euros or dollars,
- exchange them,
- and pay in certain foreign currencies.
The reform mainly concerns:
- hotels,
- restaurants,
- agencies,
- shops,
- and local providers.
The goal is mainly to encourage the use of the Tanzanian shilling in order to circulate more of the local currency in the economy.
Professionals must now display their prices more in shillings rather than in foreign currencies.
What is the best way to pay in Zanzibar?
The generally most advantageous solution is:
- to come with euros or dollars in cash,
- to exchange for shillings in Zanzibar,
- and then to pay mainly in local currency.
And once the cash is used:
- withdraw directly in shillings on-site,
- or use the credit card if necessary.
Beware of theft and cash
As in many tourist destinations, it is important to remain vigilant with your money and personal belongings.
Avoid for example:
- leaving your bag unattended on the beach,
- leaving visible money on a table,
- or straying from your belongings in crowded places.
A few simple precautions generally help avoid unpleasant surprises during your stay.
