Kyrgyzstan’s breathtaking landscapes, nomadic traditions, and friendly atmosphere make it a dream destination for adventurers, where managing money wisely ensures a smooth journey. Whether you’re trekking through the majestic Ala Archa National Park, experiencing the bustling bazaars of Bishkek, or staying in a traditional yurt by Issyk-Kul Lake, this guide provides all the details—what currency to bring, the best ways to get money and currency in Kyrgyzstan (Kyrgyzstani Som (KGS)), cash safety tips, and important dos and don’ts. With these insights, you’ll avoid unnecessary fees and immerse yourself in Kyrgyzstan’s unspoiled beauty.
How to pay in Kyrgyzstan – cash or card?
In Kyrgyzstan, cash remains the predominant method of payment, especially outside major cities. The official currency is the Kyrgyzstani Som (KGS).
You can use cash for:
Local Markets and Small Shops: Bazaars and smaller establishments typically accept only cash.
Rural Areas: In regions outside major cities, cash is essential due to limited card payment facilities.
Public Transportation: Local buses and taxis generally operate on a cash-only basis.
Tourist Activities: Payments for tours, activities, and entrance fees to historic sites and museums often require cash, especially outside urban centers.
You can use card for:
Hotels: Major hotels in cities like Bishkek and Osh accept credit cards, particularly Visa.
Restaurants and Cafés: Some dining establishments in urban areas facilitate card payments, though it’s advisable to carry cash as acceptance varies.
Retail Stores: Larger shops and supermarkets in cities may accept credit and debit cards.
In summary, while card payments are possible in Kyrgyzstan’s urban areas, carrying cash is essential for transactions in rural regions, small establishments, and certain tourist activities where card facilities may not be available.
What’s the best currency to take to Kyrgyzstan
Kyrgyzstani Som (KGS) is typically the best currency to take if you are traveling to Kazakhstan. Paying or withdrawing cash in the local currency comes with the least amount of fees, sometimes fee-free too. Some accept US Dollars but exchange rate might not be favorable.
While credit and debit cards are widely accepted, especially in urban areas, some rural regions and smaller establishments may prefer cash payments. Therefore, it’s advisable to carry some KGS in cash to avoid inconveniences.
Other currencies, such as Euros or British Pounds, are not widely accepted here.
Where to get currency in Kyrgyzstan
There are 3 main ways to get cash in Kyrgyzstan. They are:
ATMs, or
Currency exchange, or
Money transfer & local pick-up
Types of cards to swipe in Kyrgyzstan
Visa and Mastercard transactions are commonly accepted for swiping. You might also find some places that accept Amex and other cards, albeit less frequently.
Types of cards at ATMs in Kyrgyzstan
If you’re withdrawing money in Kyrgyzstan from an ATM, ATMs commonly accept Visa, and Mastercard.Some of them accept UnionPay cards. Others like Maestro, Plus, Cirrus, JCB, American Express, Diners, Discover and Rupay cards are generally not accepted.
Should I exchange currency before travelling to Kyrgyzstan
Bringing a small amount of Kyrgyzstani Som (KGS) before traveling can be useful for immediate expenses like taxis, tips, and small purchases. However, exchange rates outside Kyrgyzstan are often less favorable, and many foreign banks do not stock KGS.
Withdrawing KGS from ATMs in Kyrgyzstan is a convenient option, as ATMs are widely available in Bishkek, Osh, and other major cities. Most ATMs accept Visa and Mastercard, but Maestro and American Express may not always work. Be sure to check with your bank about international withdrawal fees.
For better rates, it’s best to exchange money in Kyrgyzstan at banks or licensed exchange bureaus rather than at the airport or hotels, where rates may be less favorable. USD, EUR, and RUB are widely accepted for exchange.
Carrying a mix of cash and cards is recommended. While cards are accepted in major cities, cash is still necessary for small shops, markets, and rural areas. If carrying USD or EUR, ensure the bills are clean and undamaged, as damaged notes may be rejected.
Where to withdraw money in Kyrgyzstan
You can withdraw money in Kyrgyzstan at leading bank ATMs in the country. The best ATMs for foreigners to use in Kyrgyzstan are those owned by popular banks such as:
- KICB,
- Optima Bank and
- Bakaibank.
There are other banks with ATMs that also accept international debit and credit cards.
There are no known Global ATM Alliance member banks or All Points network banks in Kyrgyzstan.
Where to exchange currency in Kyrgyzstan
You can exchange currency in Kyrgyzstan at licensed currency exchange offices, pawnshops and banks branches.
- Authorized Exchange Offices: Licensed exchange bureaus are abundant in urban areas and often operate 24/7, offering competitive rates. They are also called pawnshops. However, exercise caution and verify the legitimacy of these offices to avoid potential risks.
- Banks: Foreign currencies can be exchanged at banks, especially in major cities like Bishkek and Osh. Banks typically operate from 9:00 AM to 4:00 PM, Monday to Friday, with shorter hours on Saturdays and closed on Sundays.
You can find good currency exchanges in Kyrgyzstan using the ATM Fee Saver app—it will guide you to the nearest currency exchange on the map. The app helps you with forex places in 100+ countries, including Kyrgyzstan.
Avoid unofficial Exchanges: Refrain from exchanging money on the street or with unauthorized dealers, especially in open-air bazaars, as this could expose you to scams or counterfeit currency. Always use licensed currency exchange points or banks to ensure secure transactions.
Avoid Airport Exchanges and no-fee exchange offices: Currency exchange services at airports often have less favorable rates and higher fees. It’s generally better to exchange money in the city for better rates and lower charges.
Is carrying cash in Kyrgyzstan safe?
Carrying cash in Kyrgyzstan requires caution due to the prevalence of petty crime, such as pickpocketing and scams, especially in crowded areas, public transportation, and tourist spots. To minimize risks:
- Carry only necessary amounts: Bring only the cash you need for daily expenses.
- Use secure storage: Keep valuables, including passports and large sums of money, in a hotel safe or another secure location.
- Be discreet: Avoid displaying cash and valuable items in public.
- Stay vigilant: Be aware of your surroundings, especially in crowded places and tourist areas.
- Avoid walking alone at night: Stick to well-lit, populated areas and consider traveling in groups after dark.
Is it better to use debit or credit cards or pay by cash in Kyrgyzstan
Use a card if it is fee-free i.e. your bank does not charge any fees to swipe the card, when the merchant / POS also does not impose any extra charge to use a card, you need to use the insurance of the card, don’t want to block cash of large purchases and card’s swipe fees are lower than withdrawal fees.
Pay by cash by withdrawing cash from ATM or exchanging currency where – fees on ATM withdrawals are lesser than fees on swiping cards, you don’t want to leave any digital footprint of your expenses, it is convenient and easier to conduct transactions.
