Is Laos cashless?
Cash essential#133 of 197 in The Cashlessy Index 2026 · #25 of 32 in Asia
Short answer: Bring or withdraw enough cash for your trip. Cards will rarely help.
Laos is mostly cash. Some hotels and restaurants in Luang Prabang and Vientiane accept cards with a surcharge.
Will my card work?
Only in some places. Expect cards to work at larger hotels and a few big businesses in Laos, and little else.
Do I need cash?
Yes, plenty. Most payments in Laos are made in cash, so plan how you will get it.
Local currency: Lao kip (LAK)
How does tipping work?
Not expected, but small tips are appreciated in tourist areas.
Mobile payments
Local apps often need a local bank account or phone number.
Good to know
- ATMs have low withdrawal limits and high fees; withdraw the maximum each time.
Frequently asked questions
Is Laos cashless?
Laos scores 24/100 on Cashlessy (cash essential), ranking #133 of 197 countries. Laos is mostly cash. Some hotels and restaurants in Luang Prabang and Vientiane accept cards with a surcharge.
Do I need cash in Laos?
Yes, plenty. Most payments in Laos are made in cash, so plan how you will get it.
Are credit cards accepted in Laos?
Only in some places. Expect cards to work at larger hotels and a few big businesses in Laos, and little else.
Do you tip in Laos?
Not expected, but small tips are appreciated in tourist areas.
Compare with Asia
Editorial estimate, last reviewed September 2026. Payment habits change quickly; see how we score.