💸
    ATM Fee Guide
    🇦🇴

    ATM Fees in Angola

    Angolan Kwanza (AOA) • Updated April 2026

    Angola has limited ATM infrastructure for foreign cards. USD is widely used alongside the Kwanza, especially for larger transactions. Bring USD cash as backup - ATMs may not work reliably.

    💡

    Tips for Angola

    • • Bring USD cash - it's widely accepted for larger purchases
    • • BAI and BFA banks have better foreign card acceptance
    • • ATMs often have low withdrawal limits (around 20,000 AOA)
    • • Exchange USD at banks for best rates
    • • Visa cards work better than Mastercard
    • • ATMs in major cities only - rural areas are cash-only
    ✈️

    Airport tips

    • • Luanda Airport has BAI and BFA ATMs
    • • Currency exchange at airport has reasonable rates
    • • Airport taxis require USD or Kwanza cash
    • • Prebook airport transfer if possible
    🚫

    Closed Currency Warning: Restricted

    Strictness: High

    It is illegal to take more than 50,000 Kwanza out of the country. Physical searches for cash are common at Luanda airport.

    🏦

    Don't forget your home bank fees

    The fees shown above are charged by local ATMs. Your home bank may also charge additional fees for international withdrawals (typically 1-3% + a flat fee). Check with your bank before traveling.

    Estimated daily expenses

    How much cash you might need per day in Angola, per person.

    Your currency:

    Backpacker

    Hostels, street food, public transport

    43,000-90,000

    AOA/day

    🏨 Accommodation25,000-50,000
    🍜 Food & drinks8,000-15,000
    🚌 Transport5,000-10,000
    🎟️ Activities5,000-15,000

    ≈ $46.85-98.07 USD

    Mid-range

    Hotels, restaurants, mix of transport

    140,000-265,000

    AOA/day

    🏨 Accommodation80,000-150,000
    🍜 Food & drinks25,000-45,000
    🚌 Transport15,000-30,000
    🎟️ Activities20,000-40,000

    ≈ $153-289 USD

    Luxury

    Premium hotels, fine dining, private transport

    350,000-700,000

    AOA/day

    🏨 Accommodation200,000-400,000
    🍜 Food & drinks60,000-120,000
    🚌 Transport40,000-80,000
    🎟️ Activities50,000-100,000

    ≈ $381-763 USD

    Cash vs card acceptance

    Where you'll need cash and where cards work in Angola.

    Credit card acceptance

    Low

    Angola has limited card acceptance. While upscale hotels and some restaurants in Luanda accept cards, most transactions require cash. USD is often preferred for larger purchases.

    Regional differences

    • • Luanda: Some hotels and restaurants accept cards
    • • Provincial capitals: Very limited card acceptance
    • • Rural areas: Cash only (Kwanza preferred)
    💵

    You'll need cash for

    • • Most restaurants and shops
    • • Taxis and transport
    • • Markets and local businesses
    • • Smaller hotels and guesthouses
    • • All services outside Luanda
    💳

    Cards usually accepted

    • • International hotels in Luanda
    • • Some upscale restaurants
    • • Large supermarkets (rare)
    • • A few shopping malls in Luanda

    💰 Cheapest banks for foreign cards

    These banks charge the lowest fees for withdrawals with foreign cards.

    BankATM FeeEst. CostBranches
    BAI (Banco Angolano de Investimentos)500 AOA~3.00 USD200
    BFA (Banco de Fomento Angola)500 AOA~3.00 USD180
    BIC (Banco Internacional de Crédito)600 AOA~4.00 USD150
    BPC (Banco de Poupança e Crédito)N/AForeign cards often rejected100

    📍 Most widely available ATMs

    Sorted by number of ATM locations. More branches means easier access, but fees may be higher.

    BankATM FeeEst. CostBranches
    BAI (Banco Angolano de Investimentos)500 AOA~3.00 USD200
    BFA (Banco de Fomento Angola)500 AOA~3.00 USD180
    BIC (Banco Internacional de Crédito)600 AOA~4.00 USD150
    BPC (Banco de Poupança e Crédito)N/AForeign cards often rejected100

    Explore other countries

    🇧🇼 Botswana🇸🇿 Eswatini🇱🇸 Lesotho🇦🇫 Afghanistan🇦🇱 Albania