The official currency is the Tanzanian Shilling (TZS), divided into 100 cents. The tourism industry prices everything in US Dollars and this is the preferred unit of currency. Money can be exchanged in larger towns; foreign exchange bureaux may offer a better rate of exchange than banks. ATMs are available in major towns and cities. Major lodges, some hotels and travel agents in urban areas accept credit cards, but these should not be relied on and can incur a surcharge.