ATMs are available in major towns, but card payment options can be limited outside larger hotels.
ATM availability
In places such as Hunza and Skardu, you will find bank branches and ATMs in town centers. However, machines may occasionally be out of service.
Card acceptance
Many guesthouses, small restaurants, and local shops operate on a cash basis. Card payments are more common in higher-end hotels.
Practical advice
Carrying sufficient local currency before heading to remote areas reduces inconvenience.