Foreign currency can be exchanged for local currency at the banks and bureau de changes. Although some hotels accept Credit Cards. Credit cards cannot be widely used. It is strongly recommended that you come with a fair amount of Travellers Cheques and cash. In place that they can be used, surcharges of between 11.8% - 15% or more should be expected. In Arusha, Dar es Salaam and Nairobi you can use the ATM of The Barclay’s (electronic banking).