Money in Nepal: currency, ATMs, cards and tipping

The official currency is the Nepalese rupee (NPR). Bring small denominations (100 Rs, 500 Rs). In Kathmandu you’ll find ATMs; elsewhere cash is king. Credit cards work in major hotels and some restaurants, but expect cash‑only in most places. Tip roughly 10 % or round up modestly.

NPR is the only legal tender; foreign notes are not accepted for small purchases. Small notes (100 Rs, 500 Rs) are essential for taxis, tea stalls and entry fees. ATMs are plentiful in Kathmandu and some larger towns; they often impose low daily limits (≈20,000 Rs) and charge a fee of 100–200 Rs per withdrawal. Outside the capital, ATMs are scarce, so plan withdrawals ahead.

Visa and Mastercard are accepted in upscale hotels, some restaurants and travel agencies in Kathmandu and Pokhara. Rural guesthouses and most shops accept cash only. Keep a backup card for emergencies.

Tipping is not mandatory but appreciated. In restaurants, round up the bill or leave about 10 % for good service. For guides and drivers on treks, a tip of 200–500 Rs per day is customary. Hotel porters and housekeeping staff can be given 20–50 Rs per bag or per night. These amounts are guidelines; adjust based on service and your budget.

Exchange money at banks, authorized money changers or the airport; rates are better than street dealers. The Nepal Rastra Bank issues the official exchange rate.

Avoid using large bills for small purchases; vendors often lack change.

If you lose cash, replacement can be difficult outside Kathmandu; keep a small emergency stash.