Payment Methods and Currency Exchange in the United States: Key Facts for Travelers

Last Updated: November 30, 2025

The United States uses the US Dollar (USD) as its official currency. Payment methods are diverse, with widespread acceptance of electronic and contactless options. Currency exchange and ATM access are readily available in urban and tourist areas.

Official currency: United States Dollar (USD), currency code: USD.
Accepted payment methods: Cash, major credit cards (Visa, Mastercard, American Express, Discover), debit cards, and mobile payments.
Contactless payments: Apple Pay, Google Pay, and Samsung Pay are widely accepted; Alipay and WeChat Pay are less common.
ATM availability: Extensive in cities and airports; most ATMs accept international cards with networks like Cirrus, Plus, and Maestro.
Currency exchange: Available at banks, airports, and licensed exchange offices; rates and fees may vary.
Foreign currency restrictions: No restrictions on bringing in or taking out foreign currency, but amounts over USD 10,000 (or equivalent) must be declared to US Customs and Border Protection (CBP).
Cash import/export limits: Declaration required for amounts exceeding USD 10,000; failure to declare may result in seizure or penalties.
Transaction fees: Foreign card transactions may incur surcharges (typically 1–3%) and ATM withdrawal fees (USD 2–5 per transaction).
Common payment issues: Some small businesses may accept only cash; notify your bank before travel to avoid card blocks.
Major banks: JPMorgan Chase, Bank of America, Wells Fargo, Citibank.
Regulations: US Treasury and CBP enforce financial regulations for travelers; check official advisories for updates.

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