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Do I need to carry cash when traveling in northern Pakistan?

Yes, carrying sufficient cash is important, as ATMs and card payment options are limited or unreliable in many northern areas.

Limited banking access

In northern regions such as Hunza, Skardu, and Gilgit, digital payment systems are not widely available outside main towns. Even where ATMs exist, they may run out of cash or stop working due to connectivity issues.

Daily expenses

Small hotels, local restaurants, fuel stations, and roadside shops typically accept cash only. This makes it necessary to plan your expenses in advance and carry enough local currency for daily needs.

Practical cash handling

It is also practical to keep smaller denominations, as change may not always be available in remote areas. Splitting cash into different bags or wallets adds an extra layer of safety during travel.

  • Withdraw cash before leaving major cities
  • Carry a mix of small and large notes
  • Keep emergency cash separately
  • Do not rely fully on ATMs in remote towns