Credit & Debit Cards Acceptability:
You can use some of the major credit cards to withdraw
money from various bank counters in Gambia. Some hotels,
restaurants, airline flights from Banjul Airport to
Europe, car rentals
companies and ground tour operators will accept
either American Express, MasterCard, Visa, Diners Club
or Discover if agreed before your departure or at the
beginning your stay.
Some local businesses, such as supermarkets, accept
electronic payments using Visa debit cards or Mastercard
using a POS terminal.
It is strongly advised that you first contact your credit
card company in your country before travelling to inform
them of your travel plans. Furthermore you should contact
your designated hotel and ask them whether they will
accept your payment card before travelling. The last
thing you want is for your credit or debit card to be
automatically blocked while on holiday due to unusual
Credit card fees can be as much as 5% in some hotels.
You are really better off using your card for emergencies
only and use travellers' cheques and your own foreign
currency instead. You can then change your money as
you need it when you get to The Gambia.
Visa Electron Debit Cards and the Visa Classic
Debit Cards are accepted by some banks, such as the
Standard Chartered Bank and Access Bank respectively
to make ATM cash withdrawals. As long as you have the
funds available, you may have to make multiple withdrawals
as the maximum single amount dispensed at one time is
often limited to D3,000. Transaction charges will often
apply per withdrawal making it a costly way to obtain
Visa TravelMoney is a compromise between travellers'
cheques and plastic cards. It is a prepaid card which
means you can withdraw cash at an ATM. Each time a withdrawal
is made the amount is automatically deducted from the
• MasterCard prepaid, credit
and debit cards can be used at GTBank Gambia ATMs and
Point of Sale (POS) terminals including hotels, retailers
and restaurants located in the Greater Banjul area.
This allows you to make electronic payments and cash
withdrawals in the local currency, the Dalasi. For travellers
there is an ATM that is conveniently located on the
Bertil Harding Highway, near the Senegambia Strip junction
• American Express
(Amex) is accepted by some of the major hotels and some
of the more up-market restaurants.
Diners Club has a limited number of establishments
that accept them.
• Maestro cards
cannot be used so far in The Gambia.
Discover card has only a few establishments that
• Solo and Switch
cards are not accepted. Do talk to your card company
or designated accommodation about acceptability before
making any travel plans. Also Look at the back of your
card to see if there is a Cirrus or PLUS logo as they
have the widest payment network worldwide.