Secure card and bank payments
Card & Bank Payments
Paying for dining and everyday purchases in Kenya
Kenyan Shilling
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Currency & Payments

Learn how cards, banks, ATMs, and cash work for travelers in Kenya.

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Kenyan Shilling (KES)

Kenyan Shilling (KES)

Official currency. Bills: 50, 100, 200, 500, 1000. Coins: 1, 5, 10, 20, 40.

Budget Guide
Secure payments

Cards and Bank Payments

World-leading mobile money. Many locals use it exclusively - travelers can use it too.

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Card Payments

Card Payments

Visa and Mastercard widely accepted. Amex less common. Always carry some cash.

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ATMs

ATMs

ATMs in all major towns. Some charge KES 300-500 per withdrawal. Daily limits apply.

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Currency Exchange

Currency Exchange

Best rates at banks and forex bureaus. Airport rates are lower. USD widely accepted.

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Tipping Guide

Tipping Guide

Safari guides: -20/day. Restaurants: 10%. Porters: -2/bag. Tipping appreciated.

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Money Tips for Kenya

Kenya's payment landscape is modern and diverse. Mobile money, cards, and cash all work well, giving you flexibility throughout your trip.

  • Carry small bills for tips and small purchases
  • USD accepted at most hotels and safari lodges
  • Bureau de change rates vary - shop around
  • Notify your bank before traveling
  • Use only official card terminals and bank instructions
  • Credit card surcharges of 3-5% are common

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