Is Cote d'Ivoire cashless?
Cash preferred#130 of 197 in The Cashlessy Index 2026 · #18 of 54 in Africa
Short answer: Bring or withdraw enough cash for your trip. Cards will rarely help.
Abidjan hotels, supermarkets and some restaurants take cards. Mobile money like Wave is everywhere, but most visitors will rely on cash.
Will my card work?
Only in some places. Expect cards to work at larger hotels and a few big businesses in Cote d'Ivoire, and little else.
Do I need cash?
Yes, plenty. Most payments in Cote d'Ivoire are made in cash, so plan how you will get it.
Local currency: West African CFA franc (XOF)
How does tipping work?
5-10% in restaurants.
Mobile payments
Local apps often need a local bank account or phone number.
Frequently asked questions
Is Cote d'Ivoire cashless?
Cote d'Ivoire scores 26/100 on Cashlessy (cash preferred), ranking #130 of 197 countries. Abidjan hotels, supermarkets and some restaurants take cards. Mobile money like Wave is everywhere, but most visitors will rely on cash.
Do I need cash in Cote d'Ivoire?
Yes, plenty. Most payments in Cote d'Ivoire are made in cash, so plan how you will get it.
Are credit cards accepted in Cote d'Ivoire?
Only in some places. Expect cards to work at larger hotels and a few big businesses in Cote d'Ivoire, and little else.
Do you tip in Cote d'Ivoire?
5-10% in restaurants.
Compare with Africa
Editorial estimate, last reviewed September 2026. Payment habits change quickly; see how we score.