The Zambian currency is the Kwacha (ZMW), and is divided into 100 ngwee. It is best to bring US Dollars or Pounds Sterling, which can be exchanged at the many bureaux de change found in the main towns; visitors should avoid exchanging money outside of banks or respected hotels. While most of the tourist hotels, restaurants, travel agents and larger shops, especially in Lusaka and Livingstone, accept credit cards, many outlets in the rural areas do not and deal only in local currency. ATMs are available in Lusaka and some of the major towns. Banking hours vary but are usually 8.30am to 3.30pm on weekdays and mornings on Saturdays.
