Uganda’s lush landscapes, diverse wildlife, and welcoming culture make it an unforgettable destination, where understanding how to handle money is key to a smooth adventure. Whether you’re trekking to see mountain gorillas, exploring the bustling markets of Kampala, or taking a boat safari along the Nile, this guide provides all the details—what currency to bring, the best ways to get money and currency in Uganda (Ugandan Shilling (UGX)), cash safety tips, and important dos and don’ts. With these insights, you’ll avoid unnecessary fees and make the most of your Ugandan journey.
How to pay in Uganda – cash or card?
In Uganda, both cash and card payments are utilized, with cash remaining the predominant method, especially in rural areas and for small transactions. The official currency is the Ugandan Shilling (UGX).
You can use cash for:
Local Markets and Small Vendors: Many vendors at markets and smaller establishments prefer cash transactions.
Public Transportation: Buses and taxis typically operate on a cash-only basis.
Entry Fees: Visiting certain beaches, natural attractions, and some cultural sites may require cash payments.
You can use cards for:
Hotels and Resorts: Most major accommodations accept credit and debit cards, including Visa and MasterCard.
Restaurants and Cafés: Urban dining establishments often facilitate card payments, though it’s advisable to confirm acceptance beforehand.
In summary, while card payments are accepted in many urban establishments, carrying cash is essential for transactions in smaller establishments or situations where card payments may not be feasible.
What’s the best currency to take to Uganda
Ugandan Shilling (UGX) 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.
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 UGX in cash to avoid inconveniences.
Other currencies, such as US Dollars, Euros or British Pounds, are not widely accepted here.
Where to get currency in Uganda
There are 3 main ways to get cash in Uganda. They are:
ATMs, or
Currency exchange, or
Money transfer & local pick-up
Types of cards to swipe in Uganda
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 Uganda
If you’re withdrawing money in Uganda from an ATM, ATMs commonly accept Visa, Mastercard, Maestro, Plus, Cirrus cards. Some ATMs accept only Visa cards.Some of them accept UnionPay cards. Others like American Express, Diners, Discover and Rupay cards are generally not accepted.
Should I exchange currency before travelling to Uganda
It’s advisable to bring a small amount of Ugandan Shillings (UGX) before traveling for immediate expenses like taxis, tips, or small purchases. However, most foreign banks do not stock UGX, and exchange rates outside Uganda are often less favorable.
A better option is to withdraw UGX from ATMs upon arrival. ATMs are widely available in Kampala, Entebbe, and major towns, including at the airport. Most ATMs accept Visa and Mastercard, but Maestro and American Express may not always work, so check with your bank. Be mindful of international withdrawal fees.
If you need to exchange money, it’s best to do so at banks or licensed forex bureaus, which offer better rates than airports or hotels. USD, EUR, and GBP are widely accepted for exchange, but USD bills must be from 2013 or newer to be accepted at good rates.
Carrying a mix of cash and cards is recommended. While credit and debit cards are accepted in hotels, restaurants, and shopping malls, cash is essential for markets, transport, and smaller businesses.
Where to withdraw money in Uganda
You can withdraw money in Uganda at leading bank ATMs in the country. The best ATMs for foreigners to use in Uganda are those owned by popular banks such as:
- Diamond Trust Bank,
- Bank of Africa,
- Centenary Bank,
- I&M Bank, and
- NCBA Bank.
There are other banks with ATMs that also accept international debit and credit cards.
Some international banks also have their ATMs in Uganda namely Standard Chartered.
There are no known Global ATM Alliance member banks or All Points network banks in Uganda.
Where to exchange currency in Uganda
You can exchange currency in Uganda at licensed currency exchange offices and banks branches.
- Notable currency exchange providers include: Habari Forex Bureau. Kamwe Forex Bureau, Guild Frank Forex Bureau, Infinity Bureau De Change
- Banks like I&M Bank also offer currency exchange services.
You can find good currency exchanges in Uganda 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 Uganda.
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 Uganda safe?
Carrying cash in Uganda requires caution due to the prevalence of petty crime, such as pickpocketing and bag snatching, especially in crowded areas and tourist spots. Safety Recommendations:
- Carry Minimal Cash: Only bring the cash necessary for daily expenses to reduce potential losses.
- 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 to minimize attention from potential thieves.
- Stay Vigilant: Be aware of your surroundings, especially in crowded places and tourist areas.
- Avoid Walking After Dark: Refrain from walking alone after dark; instead, use reputable transportation options.
Cash Declaration Requirements: Travelers entering or exiting Uganda with cash exceeding $10,000 USD (approximately UGX 38 million) are legally required to declare it to customs authorities. Failure to do so can result in criminal prosecution.
Is it better to use debit or credit cards or pay by cash in Uganda
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.
