{"id":498438,"date":"2023-07-17T18:16:08","date_gmt":"2023-07-17T17:16:08","guid":{"rendered":"https:\/\/www.finder.com\/uk\/?p=498438"},"modified":"2026-05-11T02:24:40","modified_gmt":"2026-05-11T01:24:40","slug":"using-a-credit-card-in-nepal","status":"publish","type":"post","link":"https:\/\/www.finder.com\/uk\/credit-cards\/travel-credit-cards\/using-a-credit-card-in-nepal","title":{"rendered":"Using a credit card in Nepal"},"content":{"rendered":"

From one of the most famous mountainscapes to its rich history, Nepal is at the top of many trekkers\u2019 travel lists for a good reason. Plus, most major shops and restaurants accept Visa, Mastercard and American Express. So, when buying your snacks and souvenirs, have the peace of mind that your UK credit or debit card should work fine.<\/p>

However, if you\u2019re venturing into the smaller towns, you might find that many vendors request cash-only payments. Just to be safe, it\u2019s always worth carrying some Nepalese Rupees (NPR) as an emergency backup. <\/p>

Currency and exchange rates<\/h3>

The official currency of Nepal is the Nepalese Rupee. When using your credit card for purchases, transactions are typically conducted in NPR. However, some merchants catering to international visitors may offer the option to pay in US dollars or other major currencies. It\u2019s essential to be aware of the exchange rates and any associated fees charged by your credit card issuer for foreign currency transactions.<\/p>

What about fees?<\/h3>

Before using your credit card in Nepal, it\u2019s important to understand the fees and charges associated with your card. Credit card fees can leave a noticeable dent in your pocket when you are travelling overseas, so know what you are up against well in advance and choose a card with no or low fees.<\/p>

Foreign transaction fees<\/h4>

British credit card issuers typically charge a fee equivalent to 1% to 3% of your transaction, so carefully review your card\u2019s fine print to avoid statement surprises. Some cards designed for travel come with no foreign transaction fees, so this could be a good time to switch.<\/p>

Learn more about cards designed for overseas spending<\/a><\/p>

Currency conversion fees<\/h4>

If a retailer offers to bill your credit card in sterling, dynamic currency conversion comes into play. While this might sound like a good deal, you\u2019ll actually get a worse exchange rate and might also end up paying currency conversion fees. Whenever you\u2019re presented with an option, choose to pay in the local currency.<\/p>

Cash advance fees<\/h4>

Using your credit card to withdraw money from an ATM may not make sense unless it\u2019s a bona fide emergency. Each time you withdraw funds from an ATM, you\u2019re likely to pay a cash advance fee. Your APR for cash advances is typically higher than your purchase APR, and you won\u2019t get any grace period on interest \u2013 instead, you start paying interest immediately. Again, some cards designed for overseas spending<\/a> waive this fee.<\/p>

The table below serves as an example of how much extra you may pay to use your credit card in Nepal.<\/p>

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Additionally, you can get an idea of costs by using these online currency conversion tools from Mastercard<\/a> and Visa<\/a>.<\/p>

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\n \n \n <\/circle>\n <\/path>\n <\/svg>\n <\/span>\n What is a cash advance fee?<\/span>\n <\/h4>\n
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A cash advance fee is calculated (and charged) when you withdraw cash from your credit card. It\u2019s usually the greater of a flat fee or a percentage of the transaction. For example, \u201c2.5% of the transaction, minimum \u00a33.00\u201d.<\/p>\n <\/div>\n <\/div>\n<\/div>\n

Cash machines in Nepal<\/h3>

ATMs are widely available in Nepal, with many accepting international Visas and Mastercards. You might find it a little harder to find a local ATM that accepts American Express \u2013 however, they are becoming more readily available in recent years. As with any cash machine, you should be wary of theft and fraud. You should also check your card\u2019s T&Cs for any additional charges, such as FX and cash advance fees.<\/p>

Is it safe to use my card in Nepal?<\/h3>

Exercising caution when using your credit card in Nepal will give you a relatively trouble-free experience.<\/p>