The short answer
Small Indian notes are widely accepted, but rules on higher denominations have varied over time. Carry some Nepali rupees too and use ATMs in cities.
The simplest approach is to exchange or withdraw Nepali rupees for daily spending and keep Indian notes as a small backup.
Key facts
- Carry
- Smaller denominations
- Exchange
- Some into Nepali rupees
- Mountains
- Few ATMs
How it works
- Carry small notesNotes of 100 rupees and below are the safest to use.
- Exchange some into Nepali rupeesKeep local currency for taxis, mountains and small shops.
- Use ATMs in citiesIndian cards often work, with fees. Check with your bank before you travel.
How it works in practice
In tourist areas and near the border, shops and drivers often accept Indian rupees, especially smaller notes. In villages and on treks, Nepali rupees are the safe choice, and some lodges will not accept Indian currency.
Larger Indian notes have had restrictions in the past, and officials can change the rules. Confirm the current position with your bank, your operator or an official source before you carry large amounts.
Getting Nepali rupees
Exchange at banks, hotels or authorised counters and keep the receipts. ATMs in cities usually accept Indian cards, but limits and fees apply. Withdraw before heading to the mountains.
Avoid street changers and carry small notes for tips, tea and entrance fees. Keep cash split between bags and use a hotel safe for spare money.
Insider tip
Mountain areas run on cash. Plan accordingly.
Avoid this
Do not assume large notes will be accepted. Check first.
Related questions
Are large notes accepted?
Rules have varied. Check current guidance before you travel, and do not rely on large notes.
Is UPI available?
Limited. Do not rely on it.
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