Money in Ecuador: currency, ATMs, cards and tipping

Ecuador uses the US dollar. Bring small bills for everyday purchases; larger notes are often rejected. Cards work in most hotels and chain restaurants, but cash is required for markets, buses, rural areas and the Galápagos park fee.

Ecuador adopted the US dollar in 2000, so no currency exchange is needed. ATMs are common in Quito, Guayaquil, Cuenca and other major cities, dispensing US dollars. In rural areas and the highlands, ATMs become scarce; carry enough cash for a day’s meals and transport.

Credit cards (Visa, Mastercard, American Express) are accepted in most hotels, chain restaurants and larger shops. Small eateries, street vendors, bus tickets and taxi fares usually require cash. Some bus companies accept card payments in major routes, but many still use cash only.

The Galápagos National Park entry fee (US$200 for most foreign adults) and the transit card (US$20) must be paid in cash on arrival. Bring clean, uncreased notes for this transaction.

Restaurants add a 10 % service charge automatically; extra tipping is optional for exceptional service (round up to the nearest dollar). In cafés and casual eateries, a tip of 5–10 % is customary.

For taxis, round up the fare to the nearest dollar or add 5 % for longer rides. Hotel porters and housekeeping staff appreciate $1‑$2 per service.

Guides and drivers on tours usually include a tip in the price; if not, consider $5‑$10 per day for a guide and $2‑$5 per day for a driver.