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