Last checked August 6, 2026
Ethiopia runs on cash far more than most first-time visitors expect. Plan around that before you arrive, not after your card gets declined at a restaurant.
Cash is the default, not the backup
The Ethiopian Birr (ETB) is the only currency accepted almost everywhere. Cards are accepted at some international hotels, airlines, and a handful of larger supermarkets and restaurants in Addis Ababa — but most restaurants, markets, small hotels, and anywhere outside the capital are cash-only. Carry more Birr in cash than you think you’ll need, especially if you’re heading outside Addis.
Watch out: don’t assume a place “looks nice enough” to take cards. Ask before you order, not after.
ATMs exist, but don’t rely on them completely
ATMs that accept foreign Visa/Mastercard are common in Addis Ababa and larger regional towns, less so elsewhere. Two things trip people up:
- Per-transaction withdrawal limits are often low, so you may need several transactions (and several ATM fees) to get the cash you need.
- Machines do run out of cash, especially on weekends and around holidays — have a backup plan rather than counting on one specific ATM.
Exchanging money safely
Exchange currency at banks, airport counters, or hotel forex desks — not with people offering “better rates” on the street. Street currency exchange is illegal and a common target for scams aimed at tourists specifically.
Keep your exchange receipts. You may be asked to show proof of legal exchange if you want to convert leftover Birr back to foreign currency when you leave.
If you’re bringing US Dollars as backup cash, note that many exchange counters are picky about condition — older, torn, or heavily marked bills are sometimes refused. Bring clean, newer bills where you can.
Tipping
Tipping isn’t obligatory but is expected in tourist-facing services — guides, drivers, and hotel staff in particular. Rounding up or leaving a small amount (roughly 5–10% at restaurants with table service) is the norm; nobody will chase you down for more.
This guide covers what’s structurally true about paying for things in Ethiopia. Exchange rates and specific ATM/bank policies change — check current rates with your own bank before you travel.