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Money on a Kenya Safari: Cash, Cards and M-Pesa

Practical Information · By the Bush Camp Tours safari team, Nairobi · Updated 2 October 2026

Hippos resting at the edge of a lake in Kenya

On a Kenya safari, most of your trip - accommodation, transport, park fees - is paid in advance to your tour operator, so you need relatively little money on the ground. What you do need is some cash for tips, drinks and souvenirs, and a card as a backup. Here is how payments work in practice.

Paying for your safari

Your booking with us is paid directly; we confirm accepted payment methods, such as bank transfer or card, when you book. Check what your quote includes - park fees, meals and drinks vary between itineraries.

Cash: US dollars and Kenyan shillings

The local currency is the Kenyan shilling (KES). US dollars are widely accepted in tourism, but small vendors and markets prefer shillings.

  • If you bring dollars, bring newer notes in good condition - older or damaged notes are often refused.
  • Small denominations are useful for tips.
  • ATMs are common in Nairobi and larger towns but rare near the parks, so withdraw before you leave the city.

Cards

Visa and Mastercard are accepted at most lodges, city hotels and larger restaurants. In remote camps, card machines depend on connectivity, and some places add a surcharge. Do not rely on a card as your only way to pay once you are on safari.

M-Pesa

M-Pesa is Kenya's mobile money system, and it is used for almost everything locally. Visitors can use it with a local SIM, which requires registration with your passport. It is convenient on longer stays but not essential for a short safari.

How much cash to carry

This depends on your trip length, how much you tip and whether drinks are included. As a rough approach, budget for:

  • Tips for your driver-guide and camp staff
  • Drinks not included in your package
  • Optional activities, such as a Maasai village visit, which are paid locally
  • Souvenirs

We give you tipping guidance before you travel so you can plan the amount.

Practical tips

  • Carry a mix: some dollars, some shillings and a card.
  • Tell your bank you are travelling to avoid blocks.
  • Keep cash spread across bags rather than in one place.

The bottom line

Most costs are prepaid, so carry modest cash for tips and extras, withdraw shillings in Nairobi, and keep a card as backup. That covers almost every situation on safari.

Quick Answers

Should I bring US dollars or shillings?

Both. Dollars are fine for many tourist services; shillings are better for small purchases and markets.

Can I pay by card in the parks?

At most lodges, yes, but connectivity can fail. Carry some cash.

Do I need M-Pesa?

Not for a short safari. It is useful if you stay longer and buy a local SIM.

Ready to Book?

Ask us for a quote and we will confirm the payment options available for your booking.

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