Paying for things in Uganda is simple and stress free. Many travelers worry about money before they arrive. They wonder if cards are accepted. They ask if cash is safe. They worry about exchange rates. The good news is this: Uganda is easy when it comes to payments. With a little preparation, you will have no problems at all. Uganda uses its own currency, called the Ugandan Shilling. Cash is still very important in daily life. At the same time, cards are widely accepted in places where tourists stay. This mix makes travel smooth and flexible. Let us explain everything clearly, step by step.
The Ugandan Shilling Explained
The official currency in Uganda is the Ugandan Shilling (UGX). You will see prices written with “UGX” or just a number. The notes come in large values. This can feel strange at first. Do not worry. You get used to it quickly. As a rough guide, 1 US dollar equals about 3,600 Ugandan Shillings. This rate changes slightly, but it gives you a good idea. Because of this exchange rate, prices often look high. A coffee might cost 10,000 shillings. A lunch might cost 30,000 shillings. This does not mean things are expensive. It is just the way the currency works.
Cash Is Still King in Uganda
In Uganda, cash is still the most common way to pay. Most Ugandans use cash every day. Markets, roadside shops, small restaurants, and local transport all depend on cash. When you travel outside cities, cash becomes even more important. As a traveler, it is wise to always carry some shillings with you. You will need them for small purchases. You may want to buy a drink on the road. You may want to tip a guide. You may see local crafts you like. Cash makes all of this easy. Do not worry about carrying cash. Uganda is friendly and relaxed. With normal care, money is safe.
Using Credit and Debit Cards
Credit cards are widely accepted in Uganda’s tourist areas. Most lodges, hotels, and upscale restaurants accept Visa and Mastercard. This is especially true in places like Kampala, Entebbe, national parks, and popular safari lodges. However, cards are not accepted everywhere. Small shops and local places usually do not have card machines. Sometimes card machines are offline due to network issues. That is why cash is always useful as a backup. American Express is less common. Visa works best. Mastercard also works well.
ATMs in Uganda
ATMs are easy to find in Uganda. All major towns have them. Kampala and Entebbe have many. You can withdraw Ugandan Shillings directly from your bank card. Most ATMs allow a maximum withdrawal of about 2,000,000 shillings per day, which is around 553 USD. You can often make more than one withdrawal if needed. ATM fees are reasonable. They are often around 8 to 9 USD per transaction. This depends on your bank. It is a good idea to check with your bank before you travel. Some ATMs also allow withdrawals in US dollars. This can be useful, but shillings are better for daily use.
Should You Bring Cash From Home?
You do not need to bring large amounts of cash from home. It is much easier to withdraw money once you arrive. ATMs are reliable. Exchange offices are available. Hotels can help if needed. If you do bring foreign currency, US dollars are the best option. Notes should be clean and new. Old or damaged notes are often refused. Euros and British pounds can also be exchanged, but US dollars are accepted everywhere.
Paying During Your Safari
When you travel with Choose Uganda Safaris, most costs are already covered. This makes travel very easy. We pay for your accommodations. We pay for activities. We pay for park fees. Meals are usually included. Your driver also takes care of many small things. The fruit basket in the car is always stocked. Water is provided. Fuel is covered. This means you do not need much cash during your safari. You only need money for personal expenses. These include tips, drinks, souvenirs, and optional extras.
Tipping in Uganda
Tipping in Uganda is not mandatory, but it is appreciated. Many travelers like to tip guides and lodge staff as a thank-you. Tips are usually given in cash. Ugandan Shillings are best. Small notes are useful. There is no fixed rule. You tip what feels right for you. You can read our simple guide on tipping customs in Uganda.
Paying in Cities Like Kampala and Entebbe
In cities, you have many options. Restaurants often accept cards. Supermarkets accept cards. Shopping malls accept cards. You will also find many ATMs and exchange offices. This makes cities very convenient for travelers. If you stay in Kampala or Entebbe before or after your safari, you will have no trouble managing money.
Mobile Money in Uganda
Uganda is famous for mobile money. Many locals use their phones to pay for everything. This system is fast and popular. As a visitor, you usually do not need mobile money. Setting it up requires a local phone number. Cash and cards are enough for most travelers. Still, it is interesting to see how widely mobile money is used. It shows how modern and practical Uganda can be.
Safety Tips When Handling Money
Uganda is safe, but basic common sense is important. Do not carry large amounts of cash in one place. Use hotel safes when available. Keep some money separate. When using ATMs, choose machines inside banks or malls. These are more secure. Avoid withdrawing money late at night. These are simple habits. They apply everywhere in the world.
Is Money Ever a Problem in Uganda?
No. Money is rarely a problem in Uganda. Once you understand how things work, everything feels easy. Cash is available. Cards are accepted. ATMs work. Costs are clear. Uganda is used to travelers. People are helpful. If you ever have a question, someone will help you.
Paying in Uganda is simple and smooth.
Cash is widely used. Cards are accepted in tourist areas. ATMs are easy to find. Costs are reasonable. When you travel with Choose Uganda Safaris, most things are already taken care of. This allows you to relax and enjoy the journey. You can focus on wildlife, landscapes, and experiences — not money. If you still have questions about payments, currency, or budgeting for your trip, feel free to contact us. We are always happy to help you plan with confidence..
