Is cash still widely used?
Moderately. Uruguay has South America’s most developed card infrastructure. Cards are accepted widely in Montevideo, Punta del Este, and tourist areas. Local markets, small restaurants, and rural areas still lean toward cash.
ATMs and withdrawing cash
ATMs are widely available. Banco República (BROU) and Santander machines accept foreign cards.
- Fees are around 100 UYU per withdrawal for foreign cards
- Good availability in Montevideo and tourist areas
- Rural Uruguay has fewer ATMs — plan ahead
Card acceptance
Very good in Montevideo and tourist areas. Visa and Mastercard are broadly accepted. Uruguay has one of South America’s highest card acceptance rates.
Tips for travelers
- Uruguay is South America’s most stable and safe country
- Punta del Este is very expensive in peak season — budget accordingly
- Carry cash for markets, rural guesthouses, and local buses
- Tipping 10% is customary in restaurants