Cash and ATMs
ATMs are common in cities and larger towns such as Kathmandu, Pokhara and Butwal. In smaller hill towns there are fewer, and machines can run out of money or go offline, especially around holidays. Withdraw cash in a larger town before heading into the hills or the countryside.
Your bank may charge for foreign withdrawals, and the local bank may add its own fee. Tell your bank you will be travelling so your card is not blocked, and carry more than one card if you can.
Cards and digital payments
Some hotels, larger shops and restaurants in cities accept international cards, but many smaller businesses do not. Ask before you order or check in, rather than assuming.
Many people in Nepal pay by scanning QR codes with local banking or wallet apps. These are usually tied to local accounts, so they may not work for you as a visitor. Check what is currently available before you rely on it.
Practical tips
Keep a mix of smaller notes for tea stops, snacks and local transport, as change can be hard to find for large notes. Look after your notes too, since badly torn ones are sometimes refused. Carry your cash in more than one place.
Rules on bringing in and exchanging currency, and on which foreign currencies are accepted, can change. Check the current regulations and exchange rates through official sources or your bank before you travel.
Paying for your stay
If you are staying at Bulbul Farm Retreat, ask the hosts how they would like to be paid when they confirm your booking. Banks and ATMs in Butwal are a good last stop on the way up. Remember that during Dashain and Tihar banks close, so plan ahead.