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Are there ATMs and card payment options in northern Pakistan?

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.