Country guide

Cash usage in Chad

Chad is entirely cash-based. CFA franc cash is essential across this vast landlocked Central African nation, with no practical card infrastructure for foreign visitors.

Ennedi rock formations and Sahara landscape in northern Chad

Photo by محمد النائلي - Mohammed Alnaily (Pexels)

Last updated 2026-06-01

Currency
Central African CFA franc (XAF)
Cash usage level
High
Avg. ATM fee
Not applicable
Card acceptance
None
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Is cash still widely used?

Cash is the only option. Chad has no practical card infrastructure for visitors. CFA francs and USD are the currencies for all transactions across this remote desert and savannah nation.

ATMs and withdrawing cash

No reliable ATM access for foreign cards. Bring all necessary CFA francs or exchange USD/EUR at banks in N’Djamena.

Card acceptance

None for foreign visitors.

Tips for travelers

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