Azerbaijan uses the Azerbaijani manat (AZN) as its official currency. Payment methods and currency exchange options are widely available in urban areas, but cash is often preferred in smaller towns and markets.
- Official currency: Azerbaijani manat (AZN)
- Accepted payment methods: Cash is widely used; credit and debit cards (Visa, Mastercard) are accepted in hotels, restaurants, and larger shops; mobile payments (Apple Pay, Google Pay) are available in some locations, mainly in Baku.
- Contactless payments: Increasingly available in major cities, especially in supermarkets and chain stores.
- ATMs: Readily available in cities; most accept international cards. Some rural areas may have limited ATM access.
- Currency exchange: Available at banks, exchange offices, and airports. Exchange rates may vary; official ID is often required.
- Foreign currency restrictions: Large cash transactions may be subject to reporting. Payments in foreign currency are generally not accepted in retail settings.
- Cash import/export limits: Travelers may bring in or take out up to 10,000 USD (or equivalent in AZN) without declaration. Amounts above this must be declared to customs.
- Transaction fees: Foreign card transactions may incur a 1–3% surcharge. ATM withdrawal fees vary by bank.
- Common issues: Some smaller businesses may not accept cards; always carry some cash. Notify your bank before travel to avoid card blocks.
- Major banks: International Bank of Azerbaijan, Kapital Bank, PASHA Bank.
- Regulations: The Central Bank of Azerbaijan oversees currency and payment regulations. Check for updates before travel.
