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Travel difficulty › Where you need cash — and where cards are enough

Where you need cash — and where cards are enough 2026

A payments score of 4–5 means mostly cash and few card terminals; 1 means foreign cards and contactless work almost everywhere.

Easy for first-timersSafestRip-off hotspotsEnglish-friendlyCash vs cardSoutheast AsiaEast AsiaSouth AsiaEuropeAmericasMiddle East & AfricaOceania

Bring cash 34

  1. 🇲🇲 YangonMyanmarVery hard4.0/5 · Rip-offs 3 · Language 4 · Transport 3 · Payments 5 · Safety 5
    Cash society; foreign cards and ATMs rarely work
  2. 🇻🇳 Ha GiangVietnamVery hard3.8/5 · Rip-offs 3 · Language 4 · Transport 5 · Payments 4 · Safety 3
    ATMs only in Ha Giang, Yen Minh, Dong Van, Meo Vac; else cash
  3. 🇧🇴 UyuniBoliviaVery hard3.6/5 · Rip-offs 3 · Language 4 · Transport 4 · Payments 4 · Safety 3
    Mostly cash; ATMs often run dry; exchange rate floating since Jun 2026
  4. 🇸🇳 DakarSenegalVery hard3.6/5 · Rip-offs 4 · Language 4 · Transport 3 · Payments 4 · Safety 3
    Mostly cash; locals use Wave/Orange Money; cards at hotels
  5. 🇲🇦 MarrakechMoroccoVery hard3.6/5 · Rip-offs 5 · Language 3 · Transport 3 · Payments 4 · Safety 3
    Cards at riads and some restaurants; cash for souks and taxis
  6. 🇮🇳 VaranasiIndiaVery hard3.6/5 · Rip-offs 5 · Language 3 · Transport 3 · Payments 4 · Safety 3
    Cards rarely accepted; cash or UPI, keep small notes
  7. 🇪🇹 Addis AbabaEthiopiaVery hard3.6/5 · Rip-offs 4 · Language 3 · Transport 3 · Payments 4 · Safety 4
    Almost all cash; foreign cards at big hotels; low ATM limits
  8. 🇲🇦 MerzougaMoroccoHard3.4/5 · Rip-offs 4 · Language 3 · Transport 4 · Payments 4 · Safety 2
    One unreliable ATM; stock up on cash in Rissani or Erfoud
  9. 🇪🇬 LuxorEgyptHard3.4/5 · Rip-offs 5 · Language 3 · Transport 3 · Payments 4 · Safety 2
    Almost all cash; cards mostly at hotels and Nile cruises
  10. 🇨🇮 AbidjanCôte d'IvoireHard3.4/5 · Rip-offs 3 · Language 4 · Transport 3 · Payments 4 · Safety 3
    Mostly cash; locals use Wave/Orange Money; cards at hotels
  11. 🇧🇴 La PazBoliviaHard3.4/5 · Rip-offs 3 · Language 4 · Transport 3 · Payments 4 · Safety 3
    Mostly cash; cards only in some hotels/restaurants; bring US dollars
  12. 🇲🇦 FezMoroccoHard3.4/5 · Rip-offs 4 · Language 3 · Transport 3 · Payments 4 · Safety 3
    Mostly cash; cards at hotels and some new-town places
  13. 🇲🇦 TangierMoroccoHard3.4/5 · Rip-offs 4 · Language 3 · Transport 3 · Payments 4 · Safety 3
    Cash in the medina and taxis; some new-town restaurants take cards
  14. 🇪🇬 CairoEgyptHard3.4/5 · Rip-offs 5 · Language 3 · Transport 2 · Payments 4 · Safety 3
    Cards at hotels/chains only; cash for markets, tips, street food
  15. 🇹🇿 ArushaTanzaniaHard3.4/5 · Rip-offs 4 · Language 2 · Transport 3 · Payments 4 · Safety 4
    Mostly cash with plenty of ATMs; safaris and lodges take USD/cards
  16. 🇺🇬 KampalaUgandaHard3.4/5 · Rip-offs 3 · Language 2 · Transport 3 · Payments 4 · Safety 5
    Cash and mobile money; card fraud risk, use bank ATMs
  17. 🇳🇬 LagosNigeriaHard3.4/5 · Rip-offs 4 · Language 1 · Transport 3 · Payments 4 · Safety 5
    Cash and bank transfers rule; foreign cards often declined
  18. 🇪🇬 AswanEgyptHard3.2/5 · Rip-offs 4 · Language 3 · Transport 3 · Payments 4 · Safety 2
    Almost all cash; cards at hotels and cruises; small notes for tips
  19. 🇵🇭 SiargaoPhilippinesHard3.2/5 · Rip-offs 3 · Language 2 · Transport 4 · Payments 4 · Safety 3
    Only a few ATMs; most places want cash
  20. 🇱🇦 Vang ViengLaosHard3.2/5 · Rip-offs 3 · Language 3 · Transport 3 · Payments 4 · Safety 3
    Kip cash is essential; few places take cards
  21. 🇳🇵 KathmanduNepalHard3.2/5 · Rip-offs 4 · Language 2 · Transport 3 · Payments 4 · Safety 3
    Mostly cash; ATMs charge fees and cap withdrawals
  22. 🇹🇿 ZanzibarTanzaniaHard3.2/5 · Rip-offs 4 · Language 2 · Transport 3 · Payments 4 · Safety 3
    USD/shilling cash; cards often carry a surcharge
  23. 🇻🇳 Rach GiaVietnamHard3.0/5 · Rip-offs 2 · Language 4 · Transport 3 · Payments 4 · Safety 2
    Mostly cash; cards only at some hotels
  24. 🇲🇦 ChefchaouenMoroccoHard3.0/5 · Rip-offs 3 · Language 3 · Transport 3 · Payments 4 · Safety 2
    Mostly cash dirhams; cards only at some hotels and riads
  25. 🇲🇦 EssaouiraMoroccoHard3.0/5 · Rip-offs 3 · Language 3 · Transport 3 · Payments 4 · Safety 2
    Mostly cash; ATMs cluster around Place Moulay Hassan
  26. 🇰🇭 KampotCambodiaHard3.0/5 · Rip-offs 3 · Language 3 · Transport 3 · Payments 4 · Safety 2
    Cash in dollars/riel; few places take cards
  27. 🇱🇦 Luang PrabangLaosHard3.0/5 · Rip-offs 3 · Language 3 · Transport 3 · Payments 4 · Safety 2
    Kip cash rules; ATMs have low withdrawal limits and fees
  28. 🇱🇦 VientianeLaosHard3.0/5 · Rip-offs 3 · Language 3 · Transport 3 · Payments 4 · Safety 2
    Kip cash mostly; cards at hotels/supermarkets; low ATM limits
  29. 🇮🇳 RishikeshIndiaHard3.0/5 · Rip-offs 3 · Language 2 · Transport 3 · Payments 4 · Safety 3
    Cafés run on UPI; cards are rare, so carry cash
  30. 🇹🇳 TunisTunisiaHard3.0/5 · Rip-offs 3 · Language 3 · Transport 2 · Payments 4 · Safety 3
    Mostly cash; dinars can't leave the country — keep ATM slips
  31. 🇪🇨 GalápagosEcuadorModerate2.8/5 · Rip-offs 2 · Language 3 · Transport 3 · Payments 4 · Safety 2
    Cash-based; few ATMs that run dry on weekends; card surcharges
  32. 🇪🇬 DahabEgyptModerate2.8/5 · Rip-offs 3 · Language 2 · Transport 3 · Payments 4 · Safety 2
    Mostly cash; cards mainly at dive centres and bigger hotels
  33. 🇳🇵 PokharaNepalModerate2.8/5 · Rip-offs 3 · Language 2 · Transport 3 · Payments 4 · Safety 2
    Cash-based; every ATM charges a fee, so withdraw larger sums
  34. 🇿🇼 Victoria FallsZimbabweModerate2.8/5 · Rip-offs 3 · Language 1 · Transport 3 · Payments 4 · Safety 3
    US-dollar cash rules; foreign-card ATM withdrawals often fail

Cards are enough

  1. 🇨🇭 GrindelwaldSwitzerlandVery easy1.0/5 · Rip-offs 1 · Language 1 · Transport 1 · Payments 1 · Safety 1
    Cards accepted almost everywhere; a little cash for mountain huts
  2. 🇫🇮 HelsinkiFinlandVery easy1.0/5 · Rip-offs 1 · Language 1 · Transport 1 · Payments 1 · Safety 1
    Cards and contactless accepted everywhere
  3. 🇨🇭 InterlakenSwitzerlandVery easy1.0/5 · Rip-offs 1 · Language 1 · Transport 1 · Payments 1 · Safety 1
    Cards accepted almost everywhere; keep a little cash for mountain huts
  4. 🇸🇬 SingaporeSingaporeVery easy1.0/5 · Rip-offs 1 · Language 1 · Transport 1 · Payments 1 · Safety 1
    Cards/contactless almost everywhere; a few hawker stalls are cash-only
  5. 🇳🇱 UtrechtNetherlandsVery easy1.0/5 · Rip-offs 1 · Language 1 · Transport 1 · Payments 1 · Safety 1
    Cards nearly everywhere; many places are card-only, no cash
  6. 🇨🇭 ZermattSwitzerlandVery easy1.0/5 · Rip-offs 1 · Language 1 · Transport 1 · Payments 1 · Safety 1
    Cards almost everywhere incl. e-taxis; a few restaurants are cash-only
  7. 🇩🇰 AarhusDenmarkVery easy1.2/5 · Rip-offs 1 · Language 1 · Transport 2 · Payments 1 · Safety 1
    Cards and contactless accepted everywhere
  8. 🇬🇧 BathUnited KingdomVery easy1.2/5 · Rip-offs 1 · Language 1 · Transport 2 · Payments 1 · Safety 1
    Cards and contactless accepted everywhere
  9. 🇳🇴 BergenNorwayVery easy1.2/5 · Rip-offs 1 · Language 1 · Transport 2 · Payments 1 · Safety 1
    Cards and contactless accepted everywhere
  10. 🇨🇭 BernSwitzerlandVery easy1.2/5 · Rip-offs 1 · Language 2 · Transport 1 · Payments 1 · Safety 1
    Cards and contactless accepted almost everywhere
  11. 🇮🇪 CorkIrelandVery easy1.2/5 · Rip-offs 1 · Language 1 · Transport 2 · Payments 1 · Safety 1
    Cards everywhere; Leap card beats cash fares on buses
  12. 🇮🇪 GalwayIrelandVery easy1.2/5 · Rip-offs 1 · Language 1 · Transport 2 · Payments 1 · Safety 1
    Cards everywhere; Leap card is cheaper than cash on buses
  13. 🇨🇭 LucerneSwitzerlandVery easy1.2/5 · Rip-offs 1 · Language 2 · Transport 1 · Payments 1 · Safety 1
    Cards and contactless accepted almost everywhere
  14. 🇬🇧 OxfordUnited KingdomVery easy1.2/5 · Rip-offs 1 · Language 1 · Transport 2 · Payments 1 · Safety 1
    Cards and contactless accepted everywhere
  15. 🇮🇸 ReykjavikIcelandVery easy1.2/5 · Rip-offs 1 · Language 1 · Transport 2 · Payments 1 · Safety 1
    Cash barely needed; cards and phones accepted everywhere
  16. 🇫🇮 RovaniemiFinlandVery easy1.2/5 · Rip-offs 1 · Language 1 · Transport 2 · Payments 1 · Safety 1
    Cards and contactless accepted everywhere
  17. 🇳🇴 TromsøNorwayVery easy1.2/5 · Rip-offs 1 · Language 1 · Transport 2 · Payments 1 · Safety 1
    Cards and contactless accepted everywhere
  18. 🇳🇿 WellingtonNew ZealandVery easy1.2/5 · Rip-offs 1 · Language 1 · Transport 2 · Payments 1 · Safety 1
    Nearly cashless; small card surcharges are common
  19. 🇨🇭 ZurichSwitzerlandVery easy1.2/5 · Rip-offs 1 · Language 2 · Transport 1 · Payments 1 · Safety 1
    Cards and contactless almost everywhere; TWINT is for locals
  20. 🇩🇰 CopenhagenDenmarkVery easy1.2/5 · Rip-offs 1 · Language 1 · Transport 1 · Payments 1 · Safety 2
    Cards and contactless everywhere; cash rarely needed
  21. 🇳🇴 OsloNorwayVery easy1.2/5 · Rip-offs 1 · Language 1 · Transport 1 · Payments 1 · Safety 2
    Cards and contactless everywhere; some places refuse cash
  22. 🇳🇱 RotterdamNetherlandsVery easy1.2/5 · Rip-offs 1 · Language 1 · Transport 1 · Payments 1 · Safety 2
    Cards nearly everywhere; many places are card-only, no cash
  23. 🇨🇦 BanffCanadaVery easy1.4/5 · Rip-offs 1 · Language 1 · Transport 3 · Payments 1 · Safety 1
    Cards and contactless accepted almost everywhere
  24. 🇰🇷 BusanSouth KoreaVery easy1.4/5 · Rip-offs 1 · Language 3 · Transport 1 · Payments 1 · Safety 1
    Foreign cards work almost everywhere; T-money top-ups need cash
  25. 🇦🇺 CanberraAustraliaVery easy1.4/5 · Rip-offs 1 · Language 1 · Transport 3 · Payments 1 · Safety 1
    Nearly cashless; small card surcharges are common
  26. 🇰🇷 DaeguSouth KoreaVery easy1.4/5 · Rip-offs 1 · Language 3 · Transport 1 · Payments 1 · Safety 1
    Foreign cards work almost everywhere; some Seomun Market stalls cash
  27. 🇵🇱 GdańskPolandVery easy1.4/5 · Rip-offs 1 · Language 2 · Transport 2 · Payments 1 · Safety 1
    Cards and contactless accepted almost everywhere
  28. 🇦🇺 HobartAustraliaVery easy1.4/5 · Rip-offs 1 · Language 1 · Transport 3 · Payments 1 · Safety 1
    Nearly cashless; small card surcharges are common
  29. 🇰🇷 IncheonSouth KoreaVery easy1.4/5 · Rip-offs 1 · Language 3 · Transport 1 · Payments 1 · Safety 1
    Foreign cards work everywhere; only T-money top-ups need cash
  30. 🇸🇮 LjubljanaSloveniaVery easy1.4/5 · Rip-offs 1 · Language 2 · Transport 2 · Payments 1 · Safety 1
    Euro; cards accepted almost everywhere
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FAQ

Where do you still need cash when traveling?

By payments score: Yangon (4.0), Ha Giang (3.8), Uyuni (3.6), Dakar (3.6), Marrakech (3.6). Taxis, markets and tips are often cash-only.

Where can you travel with just a card?

In Grindelwald (1.0), Helsinki (1.0), Interlaken (1.0), Singapore (1.0), Utrecht (1.0) and similar cities, foreign cards and contactless work almost everywhere.

Scores run from 1 (easy) to 5 (hard) for rip-offs, language, getting around, payments and safety, based on government travel advisories, Wikivoyage, the EF English index and official transport pages (as of 2026-10-05). Advisories change often — check your government's latest advice before you go. All 502 cities ranked ›

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