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    ATM Fee Guide
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    ATM Fees in Chad

    Central African CFA Franc (XAF) • Updated April 2026

    Chad uses the Central African CFA Franc. Cash is essential as card acceptance is extremely limited. ATMs are scarce outside the capital N'Djamena.

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    Tips for Chad

    • • Bring Euros or US Dollars to exchange
    • • ATMs available mainly in N'Djamena
    • • Card acceptance very rare
    • • Keep small denominations for daily purchases
    • • Mobile money is growing but coverage limited
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    Airport tips

    • • N'Djamena International Airport has limited banking services
    • • Bring sufficient cash for your trip
    • • Exchange at banks in the capital
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    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 Chad, per person.

    Your currency:

    Backpacker

    Hostels, street food, public transport

    35,000-55,000 XAF

    XAF/day

    🏨 Accommodation18,000-30,000 XAF
    🍜 Food & drinks6,000-12,000 XAF
    🚌 Transport4,000-8,000 XAF
    🎟️ Activities6,000-12,000 XAF

    ≈ $62.27-97.86 USD

    Mid-range

    Hotels, restaurants, mix of transport

    80,000-120,000 XAF

    XAF/day

    🏨 Accommodation45,000-75,000 XAF
    🍜 Food & drinks18,000-30,000 XAF
    🚌 Transport12,000-20,000 XAF
    🎟️ Activities18,000-30,000 XAF

    ≈ $142-214 USD

    Luxury

    Premium hotels, fine dining, private transport

    150,000-250,000 XAF

    XAF/day

    🏨 Accommodation90,000-150,000 XAF
    🍜 Food & drinks35,000-55,000 XAF
    🚌 Transport25,000-40,000 XAF
    🎟️ Activities35,000-55,000 XAF

    ≈ $267-445 USD

    Cash vs card acceptance

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

    Credit card acceptance

    Almost None

    Essentially cash-only. Cards only at some international hotels in N'Djamena.

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    You'll need cash for

    • • Almost everything
    • • Transport
    • • Food
    • • Shopping
    • • Most hotels
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    Cards usually accepted

    • • Some international hotels in N'Djamena

    💰 Cheapest banks for foreign cards

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

    BankATM FeeEst. CostBranches
    Société Générale Tchad3,500 XAF~6.00 USD15
    Ecobank3,000 XAF~5.00 USD8

    📍 Most widely available ATMs

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

    BankATM FeeEst. CostBranches
    Société Générale Tchad3,500 XAF~6.00 USD15
    Commercial Bank Tchad3,000 XAF~5.00 USD10

    🌐 ATM Alliance Benefits: If you bank with a member of these alliances, you may get reduced or waived ATM fees in Chad:

    Ecobank
    View all ATM alliances →

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