Is cash still widely used?
Cash is the only reliable payment method in Myanmar. Following the 2021 military coup and subsequent banking crisis, the financial system has been severely disrupted. ATMs frequently run out of cash or are out of service, and foreign card acceptance has become extremely limited even in Yangon.
ATMs and withdrawing cash
ATM availability for foreign cards has become very unreliable since 2021. KBZ Bank ATMs were previously the most reliable but access for foreign cards remains inconsistent.
- Do not rely on ATMs — bring sufficient USD cash for your entire trip
- Kyat can be exchanged from USD at licensed money changers
- Official exchange booths at Yangon airport offer reasonable rates
Card acceptance
Essentially non-existent outside a small number of international hotels in Yangon and Mandalay. Do not plan to use cards as a payment method.
Tips for travelers
- Bring crisp, unfolded, undamaged USD notes — worn or marked bills may be refused
- Newer USD bills (2013 or later) are generally preferred
- Exchange to kyat gradually as needed; keep USD for larger transactions
- Check current travel advisories before visiting due to ongoing political instability