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On the ground

Money, tipping and staying connected in Zanzibar

Currency, cards, cash, tipping customs, SIM cards and Wi-Fi.

2 min readUpdated 4 November 2026By the Waves and Wonders team

In short

  • The local currency is the Tanzanian shilling, but US dollars are widely accepted in tourism.
  • Hotels take cards, but small shops and markets need cash.
  • Tipping is appreciated and customary, but never required.
  • Local SIM cards and eSIMs are easy, and most hotels have Wi-Fi.

A little preparation makes money and communication smooth in Zanzibar.

Currency

The Tanzanian shilling (TZS) is the official currency. Hotels, tour operators and many restaurants quote in US dollars, and accept dollars or shillings. Carry some shillings for markets, taxis and small restaurants. If you bring dollars, take clean, recent notes, because older or damaged notes are sometimes refused.

Cards and ATMs

Larger hotels and many restaurants accept Visa and Mastercard, sometimes with a fee. ATMs are available in Stone Town and the main villages, but they can run out of cash or have withdrawal limits, so do not rely on them alone. Tell your bank you are traveling.

Tipping

Tipping is a custom, not an obligation. A service charge is sometimes added to restaurant bills. If it is not, ten percent is a common thank-you. For guides, drivers, boat crew and camp staff, a tip at the end of the trip is appreciated, and we can suggest amounts for your group. Many hotels have a staff tip box shared among all employees.

Bargaining

In markets and with some taxis and beach vendors, prices are negotiable. Be friendly and patient, and it often turns into a pleasant chat. Fixed-price shops and hotels do not bargain.

Phones and internet

  • SIM cards: Local SIMs are inexpensive and can be bought at the airport or in town with your passport.
  • eSIM: Works on many phones and saves time.
  • Wi-Fi: Most hotels have it, though speeds vary, especially on remote beaches.
  • WhatsApp: Widely used for communication, including with us.

Time and language

Zanzibar is on East Africa Time, three hours ahead of UTC, with no daylight saving. Swahili is the main language, and English is widely spoken in tourism.

Quick answers

Should I bring US dollars?

It is useful to have some, for visas, tips and tours, but you will also need shillings for daily costs.

Are credit cards widely accepted?

At hotels and larger restaurants, yes. At markets and small shops, you need cash.

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