Myanmar's currency is the kyat (MMK), pronounced 'chat', in notes from 50 up to 10,000. As a rough guide, MMK 1,000 is worth around USD 0.80, though rates move.
Cash is still king
With less than 10% of the population holding a bank account, Myanmar runs largely on cash. Major hotels and restaurants increasingly take cards — even contactless — but patchy internet means you shouldn't rely on it. Always carry kyat.
Bringing & changing money
- Bring pristine US dollar notes — even a small crease can mean rejection or a poor rate.
- Other currencies (EUR, GBP, THB) are rarely accepted; dollars rule.
- Dedicated money changers beat hotel desks on rate; airport counters can keep limited hours.
- Pay in the currency you're quoted to avoid double conversion, and change smaller amounts as you go.
ATMs & cards
- ATMs are widespread and accept major international cards.
- Withdrawals are usually capped around MMK 600,000 (≈ USD 450) per transaction, with fees.
- Tell your bank you're travelling so your card isn't blocked.
- Traveller's cheques are not accepted anywhere.
Tipping isn't obligatory, but it's warmly appreciated — a little for guides, drivers and porters goes a long way. And remember: kyat can't be exchanged once you leave, so spend or convert any leftovers before you fly home.
