You’ve seen the postcards—white sand, turquoise water, relaxed vibes. Then you get there and hit the usual travel traps: your credit card won’t work at the market, your expensive SIM has no signal outside the resort, and you’re unsure who to tip or how much.
In Zanzibar, small oversights on cash, mobile access, and tipping turn into wasted time or awkward moments. This guide highlights the most common mistakes and gives you straight-up, practical steps so you can spend less time guessing and more time enjoying the islands.
Planning for a trip to Zanzibar? In addition to your beach wear and confirming your accommodation, there are some practical tips and important facts to know regarding money, mobile connectivity, and money etiquette to help your trip go smoothly.
From lounging at one of the many luxury hotels Zanzibar has to offer or going out to explore local markets and spice farms, you will feel prepared.
Money in Zanzibar: What You Should Know Before You Go
What Currency Is Used?
A common slip-up: trying to pay for a snack or taxi in USD and getting told “shillings only.” Tanzanian Shilling, it is the official currency of Zanzibar. Tourist spots—hotels, restaurants, tours—often accept US dollars, but small purchases, local markets, taxis, and street vendors usually want shillings. If you bring dollars, make sure the bills are from 2009 or newer; older ones are frequently rejected.
Quick tip: exchange or withdraw some shillings upon arrival to avoid getting stuck when you need cash in a hurry.
Where to Exchange Currency
You can exchange your currency easily (at banks or authorized exchange bureaus commonly referred to as FOREX offices). Please note, rates at Zanzibar International Airport might be worse. Please consider exchanging only what you need for your initial expenses right when you arrive.
In any case, some hotels do offer currency exchanges through their reception, but these rates may also vary. If you’re staying at one of the beach hotels in Zanzibar, Tanzania, it’s worth asking about exchange services during check-in.
What About Credit Cards?
Credit cards will be accepted at most first-rate restaurants and hotels. Visa and Mastercard are the most commonly accepted. You’ll find that Mastercard and Visa work at most establishments. However, many merchants apply a 3–5% surcharge for credit card payments. Keep in mind that some smaller shops, taxis, and excursions may only take cash.
Tip: Having both shillings and dollars allows some flexibility for various situations.
Staying Connected: SIM Cards in Zanzibar
Many hotels and public areas offer Wi-Fi access, but connection quality and speed may not always be consistent. If you plan to travel outside main towns or want to avoid relying solely on hotel Wi-Fi, a local SIM card is a smart option.
Where to Buy a SIM Card
You can purchase a prepaid SIM card at the airport, in Stone Town, or from local mobile shops across the island. It’s quick and easy, with your passport being the only requirement.
Popular mobile providers include:
- Zantel (best island coverage)
- Vodacom
- Tigo
Zantel often provides strong network coverage in rural areas. This comes in particularly handy when your accommodation is situated outside urban centers or along the coast.
Cost of SIM Cards and Data
A basic SIM card costs around $1–2 USD. Data packages are affordable, with plans ranging from 5 to 10 GB available for under USD 10, depending on the validity period.
Even if you’re staying at one of the luxury hotels in Zanzibar, having a backup mobile connection helps navigate, book tours, or stay in touch with family.
Tipping in Zanzibar: Customs and Suggestions
Tipping is not required in Zanzibar, but it’s always appreciated, especially in the hospitality industry. For many locals working in tourism, tips make a meaningful difference.
If you’re staying at one of the best hotels in Zanzibar, you’ll likely encounter attentive service throughout your visit. Showing your appreciation with a small tip is both polite and impactful.
If you’re unsure, ask your hotel staff what’s customary. Some places have a tip box at reception — especially useful if you want to leave a group tip for all staff.
Tipping in USD or TZS?
Both are accepted, but clean, newer US dollar bills are often preferred. Avoid coins, especially foreign ones, as they cannot be exchanged locally.
Additional Travel Tips
Here are a few tips to help make your visit as enjoyable and stress-free as possible:
- ATMs can be accessed in Stone Town as well as in larger towns, but withdrawal fees may apply for international cards.
- It’s helpful to have small change available for tips and market buys.
- Respectfully ask before snapping photos of people or vendors.
- If you’re traveling to remote areas, withdraw cash ahead of time, since ATMs can be hard to find.
Whether you’re relaxing poolside or heading on a spice tour, being prepared with local currency, mobile access, and basic etiquette can make your time on the island even more rewarding.
Wrapping Up: Be Practical, Then Enjoy Paradise
Zanzibar is known for its hospitality, culture, and stunning coastal scenery. Looking back, these small mistakes with cash, SIMs, and tipping are the ones that usually costs time and patience. If you use these tips —bring the right money, get a good local SIM, and tip in a way that feels natural—you’ll skip the awkward bits and get straight to the good parts. Keep this guide handy, ask when you’re unsure, and enjoy Zanzibar the way it’s meant to be experienced.
At Azao Resort & Spa, we welcome you to experience the true beauty of Zanzibar — with warm service, scenic views, and everything you need for a comfortable, connected stay.
To read more blogs, click here: Flights from the UK & Europe to Zanzibar: Your Quick Guide
