Managing your finances is one of the more practical aspects of planning a safari in East Africa. Understanding when to use international currency like US Dollars and when to rely on local Shillings or Francs can save you money and prevent unnecessary stress during your trip. In Uganda and Rwanda, both international and local currencies have their place, but knowing the “hierarchy” of money is essential for the modern traveller.
The Role of the US Dollar (USD)
The US Dollar is the unofficial “safari currency” across much of Africa. It is the preferred payment method for high-value items, such as gorilla trekking permits (which are priced in USD), chimpanzee permits, and the final balances for your safari tour. Most upmarket lodges will list their prices and bar bills in Dollars. **Crucial Tip:** If you are bringing USD, the notes must be issued after 2013 and be in pristine condition. Banks and exchange bureaus in East Africa often refuse older notes or those with even small tears or stamps.
The Role of Local Currency: UGX and RWF
While the Dollar is great for big payments, local currency—Ugandan Shillings (UGX) and Rwandan Francs (RWF)—is essential for everything else. You will need local cash for tips (though USD is accepted, local currency is easier for staff to use), souvenirs at local markets, snacks at roadside stops, and drinks in small towns. Using local currency usually results in a better exchange rate than trying to pay for small items with Dollars, where the merchant will often use an unfavourable “rounded” rate.
ATMs and Credit Cards
ATMs are widely available in cities like Kampala, Entebbe, and Kigali, and in larger towns like Fort Portal or Musanze. Most ATMs accept international Visa and Mastercard, though Visa is significantly more reliable. Be aware that most ATMs have a withdrawal limit (often around $200-$400 equivalent per day) and your bank may charge foreign transaction fees. Credit cards are accepted at major hotels and luxury lodges, but they often incur a processing surcharge of 3% to 5%. Always notify your bank of your travel plans to avoid your card being blocked for “suspicious activity.”
Currency Exchange
The best rates are found at private Forex Bureaus in major cities. Airport exchange rates are generally less favourable, though it is a good idea to exchange a small amount of “emergency” cash upon arrival. Keep your receipts from the forex bureau, as you may need them if you want to exchange any leftover local currency back into Dollars at the end of your trip.
Tipping and Practicality
Carry a mix of denominations. Small local bills are perfect for tips and minor purchases. Large USD bills are best for permit payments or larger lodge bills. Always keep your cash in a secure money belt or the lodge safe. By balancing your use of USD and local currency, you ensure that you are never caught out and that you can support local businesses with ease.
For more information or to book your safari, contact us at +256 775 804 451 or email ngarowildadventures@gmail.com.
