Is Mozambique cashless?
Cash essential#139 of 197 in The Cashlessy Index 2026 · #22 of 54 in Africa
Short answer: Bring or withdraw enough cash for your trip. Cards will rarely help.
Hotels and lodges on the coast often take cards. Markets, chapas and small restaurants need cash.
Will my card work?
Only in some places. Expect cards to work at larger hotels and a few big businesses in Mozambique, and little else.
Do I need cash?
Yes, plenty. Most payments in Mozambique are made in cash, so plan how you will get it.
Local currency: Mozambican metical (MZN)
How does tipping work?
10% in restaurants.
Mobile payments
Local apps often need a local bank account or phone number.
Frequently asked questions
Is Mozambique cashless?
Mozambique scores 20/100 on Cashlessy (cash essential), ranking #139 of 197 countries. Hotels and lodges on the coast often take cards. Markets, chapas and small restaurants need cash.
Do I need cash in Mozambique?
Yes, plenty. Most payments in Mozambique are made in cash, so plan how you will get it.
Are credit cards accepted in Mozambique?
Only in some places. Expect cards to work at larger hotels and a few big businesses in Mozambique, and little else.
Do you tip in Mozambique?
10% in restaurants.
Compare with Africa
Editorial estimate, last reviewed September 2026. Payment habits change quickly; see how we score.