Is Pakistan cashless?
Cash essential#137 of 197 in The Cashlessy Index 2026 · #26 of 32 in Asia
Short answer: Bring or withdraw enough cash for your trip. Cards will rarely help.
Upmarket hotels and malls in big cities take cards. Almost everything else, including transport and bazaars, is cash.
Will my card work?
Only in some places. Expect cards to work at larger hotels and a few big businesses in Pakistan, and little else.
Do I need cash?
Yes, plenty. Most payments in Pakistan are made in cash, so plan how you will get it.
Local currency: Pakistani rupee (PKR)
How does tipping work?
10% in restaurants. Small tips for drivers and porters.
Mobile payments
Local apps often need a local bank account or phone number.
Frequently asked questions
Is Pakistan cashless?
Pakistan scores 22/100 on Cashlessy (cash essential), ranking #137 of 197 countries. Upmarket hotels and malls in big cities take cards. Almost everything else, including transport and bazaars, is cash.
Do I need cash in Pakistan?
Yes, plenty. Most payments in Pakistan are made in cash, so plan how you will get it.
Are credit cards accepted in Pakistan?
Only in some places. Expect cards to work at larger hotels and a few big businesses in Pakistan, and little else.
Do you tip in Pakistan?
10% in restaurants. Small tips for drivers and porters.
Compare with Asia
Editorial estimate, last reviewed September 2026. Payment habits change quickly; see how we score.