![Image Placeholder: Bhutanese Ngultrum notes spread beside an ATM screen]
Mastering Ngultrum: Cash, Cards & ATMs Explained
Bhutan’s sole legal tender is the Ngultrum (Nu.), pegged 1:1 with the Indian Rupee. While upscale hotels accept cards, rural treks and permit offices run entirely on cash—keep small denominations handy.
ATM Access & Limits
Visa/MasterCard ATMs appear in Paro, Thimphu, and Phuentsholing. Withdrawal caps of Nu. 10,000–20,000 per transaction mean you should plan your cash flow for multi-day trips.
Currency Exchange & Safety
Convert USD or INR at the Bank of Bhutan or Paro Airport for the best rates. Avoid hotel kiosks—rates can be poorer, and faded bills may be rejected outside major towns.
Quick Tip: Tuck Nu. 10 and Nu. 20 notes into your daypack for chai stalls and temple donations.
Next Steps: • Budget your trip → Bhutan Travel Budgeting Guide • Check entry fees → Bhutan Entry Requirements • Insure your journey → Bhutan Travel Insurance
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