Here's what you need to know about cash, cards and currency while travelling in Bhutan.
Local currency
The Bhutanese Ngultrum (BTN, or Nu.) is pegged 1:1 to the Indian Rupee (INR), and Indian Rupees are widely accepted (note: INR 500 and 2000 notes may face restrictions — carry smaller denominations). Other foreign currencies are best exchanged at banks or authorised money changers in Thimphu and Paro.
Cash vs. card
- Cash is king outside of larger hotels — many restaurants, handicraft shops and rural areas operate cash-only
- Major hotels, some restaurants and larger shops in Thimphu/Paro accept credit cards (Visa/Mastercard), though a surcharge may apply
- ATMs are available in Thimphu, Paro and other district towns, dispensing Ngultrum — international card acceptance varies, so don't rely solely on ATMs
How much cash to bring
For personal expenses (souvenirs, drinks, tips, optional activities), we recommend budgeting USD 20-40 per day in cash, convertible to Ngultrum on arrival or carried as small-denomination USD/INR.
Tipping guide
Tipping is not compulsory but is a welcome gesture for good service:
| Service | Suggested amount | |---|---| | Tour guide | USD 10-15 per day | | Driver | USD 8-10 per day | | Trekking crew (cook/porters) | USD 5-8 per day per crew member | | Hotel/restaurant staff | At your discretion |
Paying for your tour
Your IVH Bhutan package cost is settled before arrival via bank transfer, as required for visa processing. The SDF (Sustainable Development Fee) is collected separately and detailed clearly in your invoice — see our SDF guide for details.
Shopping tips
Handicrafts, textiles, and thangka paintings make wonderful souvenirs. Bargaining is uncommon in fixed-price government emporiums but may be acceptable in smaller local markets — your guide can help navigate local customs.