ATM Fees in Mozambique
Mozambican Metical (MZN) • Updated April 2026
Mozambique is largely cash-based. Card acceptance is limited to hotels in Maputo and beach resorts. ATMs available in cities but scarce elsewhere. Bring USD as backup.
Tips for Mozambique
- • Cash essential for most transactions
- • Cards only at upscale hotels and resorts
- • Millennium BIM has most ATMs
- • USD and ZAR sometimes accepted
- • Get cash in Maputo before traveling
Airport tips
- • Maputo airport has ATMs
- • Get cash before heading north
- • USD useful as backup
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 Mozambique, per person.
Backpacker
Hostels, street food, public transport
MZN/day
≈ $36.07-94.09 USD
Mid-range
Hotels, restaurants, mix of transport
MZN/day
≈ $130-282 USD
Luxury
Premium hotels, fine dining, private transport
MZN/day
≈ $376-957 USD
Cash vs card acceptance
Where you'll need cash and where cards work in Mozambique.
Credit card acceptance
LowCash-based economy. Cards only at select establishments.
You'll need cash for
- • Most restaurants
- • Markets
- • Transport
- • Local shops
- • Beach areas
Cards usually accepted
- • Upscale hotels in Maputo
- • Beach resorts
- • Some restaurants in capital
💰 Cheapest banks for foreign cards
These banks charge the lowest fees for withdrawals with foreign cards.
| Bank | ATM Fee | Est. Cost | Branches | |||
|---|---|---|---|---|---|---|
| Millennium BIM | 150-300 MZN | 0% | Visa/MC rate | ~3.00 USD | 150 | Best coverage |
| BCI | 200-350 MZN | 0% | Visa/MC rate | ~3.00 USD | 100 | Good network |
| Standard Bank | 200-350 MZN | 0% | Visa/MC rate | ~3.00 USD | 60 | Available |
📍 Most widely available ATMs
Sorted by number of ATM locations. More branches means easier access, but fees may be higher.
| Bank | ATM Fee | Est. Cost | Branches | |||
|---|---|---|---|---|---|---|
| Millennium BIM | 150-300 MZN | 0% | Visa/MC rate | ~3.00 USD | 150 | Most ATMs |
| BCI | 200-350 MZN | 0% | Visa/MC rate | ~3.00 USD | 100 | Good network |
| Standard Bank | 200-350 MZN | 0% | Visa/MC rate | ~3.00 USD | 60 | Available |
🌐 ATM Alliance Benefits: If you bank with a member of these alliances, you may get reduced or waived ATM fees in Mozambique:
View all ATM alliances →