Money: How to Get Cash, ATMs & Currency
In Afghanistan, managing your money can feel a little different from other countries, but once you’re familiar with the basics, it’ll be smooth sailing! Here’s your guide to getting cash, using ATMs, and understanding the currency so you can travel with ease.
💵 Currency in Afghanistan
The official currency of Afghanistan is the Afghan Afghani (AFN), denoted as ؋. While you’ll often hear amounts listed in the local currency, US dollars (USD) are also widely accepted, especially in larger cities like Kabul. However, it’s still a good idea to carry local currency for small purchases, transportation, and in more remote areas.
1 USD ≈ 85-90 AFN (exchange rate can fluctuate)
Currency notes range from 1 AFN to 1000 AFN, and coins are rarely used.
🏧 ATMs in Afghanistan
ATMs are available in major cities like Kabul, Herat, and Mazar-i-Sharif, but they are not as widespread as in other countries. Also, not all ATMs accept international cards, so it’s best to be prepared.
Use ATMs in major cities: Look for ATMs attached to banks like Afghan United Bank, Bank-e-Millie Afghan, or Azizi Bank.
Check fees: International cards (like Visa or MasterCard) may incur higher transaction fees, and there may be a limit to how much you can withdraw at once.
Cash withdrawal limitations: Expect to find ATMs that only allow withdrawals in Afghanis. If you're withdrawing USD, it might not always be an option.
Backup option: If you’re unable to find an ATM, you can always try local exchange offices (Sarafi) or ask your hotel for advice on where to get cash.
💳 Credit and Debit Cards
While credit cards and debit cards are accepted at a few higher-end hotels, international restaurants, and businesses in larger cities, cash is still king in Afghanistan.
Credit cards are not widely accepted outside major cities, so don’t rely on them for most of your expenses.
Always have enough cash on hand for smaller transactions and travel around the country.
💱 Currency Exchange
If you need to exchange currency, exchange bureaus or Sarafi shops are the most common way to go. They are available in most major cities and in areas where tourists are likely to go.
Exchange rates can vary, so it’s a good idea to check with multiple places before exchanging larger amounts of money.
Local banks: They also offer currency exchange services but might have longer wait times and require ID verification.
🛑 Important Money Tips
Carry both Afghanis and USD: USD is useful for larger transactions or in places that cater to tourists, but you’ll definitely need local currency for small purchases and rural areas.
Be cautious with cash: Although Afghanistan’s currency is not prone to counterfeit, it’s still important to check your bills. Some of the lower denominations can be difficult to distinguish in certain light conditions.
Plan for emergencies: Have enough cash reserves to cover transportation, food, and accommodations—especially if you’re venturing into more remote areas.
Avoid street exchanges: For security reasons, it’s best to avoid street money changers. Always use authorized exchange services or local banks.
💰 Tips for Safe Money Management
Keep small amounts of cash in different places: It’s smart to divide your cash into different bags or pockets so if something goes missing, you’re not left stranded.
Use a money belt or secure wallet: In crowded areas, it’s easy for pickpockets to target distracted travelers. A money belt or hidden wallet can help keep your cash safe.
Notify your bank: Let your bank know you’ll be traveling, so you don’t run into any issues when trying to access funds from ATMs.
