One of the most common concerns travelers have when planning an African trip is money—what currency to carry, where to exchange it, and how payments work across different countries.

Africa is diverse, and so are its currencies. Understanding how currency exchange works will help you avoid unnecessary stress, losses, and confusion while traveling. This guide by Crystalbeds Africa breaks it down simply for 2026 travelers.

The different currencies in Africa

Understanding African Currencies

Africa does not have a single currency. Each country (or group of countries) uses its own currency.

Some examples include:

  • West Africa: CFA Franc (used by several countries), Gambian Dalasi

  • Central Africa: Central African CFA Franc

  • East Africa: Kenyan Shilling, Ugandan Shilling

  • Southern Africa: Namibian Dollar, Botswana Pula

Knowing your destination’s currency is the first step.

Dollar

Best Currencies to Travel With

When traveling across Africa, certain currencies are more widely accepted and easier to exchange.

Most accepted foreign currencies:

  • US Dollar (USD)

  • Euro (EUR)

  • British Pound (GBP)

For Nigerians, carrying a combination of USD and your debit card is usually the safest option.

Exchanging currencies before traveling is very essential when travelling to another country

Where to Exchange Money in Africa

You can exchange money at:

  • Banks

  • Licensed forex bureaus

  • Airports (convenient but often higher rates)

  • Major hotels (limited availability)

Avoid street money changers to reduce the risk of fraud.

Debits cards are important must-haves for a journey

Using Cards & Digital Payments

Card usage varies by country and city.

What to know:

  • Major cities accept debit and credit cards

  • Smaller towns rely heavily on cash

  • Inform your bank before traveling

  • Always carry some cash as backup

Mobile money is also popular in some African countries.

⚠️ Common Currency Exchange Mistakes to Avoid

  • Exchanging money at unofficial locations

  • Carrying only cash

  • Not checking exchange rates

  • Forgetting ATM withdrawal limits

  • Losing receipts for exchanged funds

Planning ahead helps you avoid these mistakes.

💡 Smart Money Tips for African Travel

  • Exchange small amounts at a time

  • Use ATMs in secure locations

  • Keep money in different places

  • Track daily spending

  • Ask locals or hotel staff for safe exchange spots

✈️ Travel Smarter with Crystalbeds Africa

Money should never be a barrier to enjoying your trip. At Crystalbeds Africa, we guide travelers on currency use, budgeting, and payment options across Africa—so you can focus on enjoying your journey.

📩 Contact Crystalbeds Africa today for expert African travel planning.