Money in Luanda
How to handle Angolan Kwanza, exchange options, cards, ATMs, digital payments and safety — practical, respectful and up to date.
Overview
The basics
The Angolan Kwanza (AOA, often written Kz) is the official currency. Cards are widely used at supermarkets, malls and many hotels. For markets, taxis and tips, carry small Kwanza notes.
Respectful approach
Use formal counters for exchange and keep receipts. If a venue requests ID, present it calmly. Policies and fees can change, so check at the counter or in-app before you pay.
Where to Exchange
Official exchange points
- Use licensed bureaux de change and bank branches for straightforward service.
- Bring a passport or valid ID if requested.
- Keep exchange receipts with you until departure.
Rates & timing
- Airport and hotel desks can be convenient but may offer less favourable rates.
- Compare before exchanging; change only what you need immediately.
Good practice
- Use formal counters only; avoid informal street exchange.
- Count notes at the counter and store cash discreetly.
ATMs & Cards
ATMs (Multicaixa)
- ATMs dispense Kwanza. International Visa cards often work; success can vary by machine and network availability.
- If a withdrawal fails, try another ATM or a bank branch machine.
- Use indoor ATMs where possible and put cash away before leaving the counter.
Card payments
- Hotels, supermarkets and many restaurants accept cards.
- When offered a choice, charge in Kwanza to avoid extra conversion mark-ups.
Travel cards
Multi-currency cards (e.g., Wise, Revolut) can help with competitive rates and budgeting. Check fees and ATM limits in the app before use.
Digital Payments
Local apps
Multicaixa Express is widely used in Angola for local transfers and payments. Availability and features can vary by account and bank.
E-commerce & delivery
Delivery apps and online shops operate in Luanda with varying coverage. Confirm areas served, fees and delivery times in-app.
Safety & Legal Basics
Documents & receipts
- Carry ID if you plan to exchange currency; counters may request it.
- Keep receipts until you leave the country.
Practical caution
- Use official channels only for currency exchange.
- Discreetly handle cash and avoid counting money outside counters.
Before departure
Policies on carrying local currency across borders can change. As a simple habit, exchange remaining Kwanza before you fly and keep your receipts.
Play: AOA Price Quiz
Quick Tips
Cash on hand
Carry a small amount of Kwanza in low denominations for taxis, markets and tips. Use cards where available.
Timing
Allow extra time for admin and banking tasks, especially near closing hours or at month-end.
FAQ
Can I pay in foreign currency?
Day-to-day purchases are in Kwanza. Hotels may quote in foreign currency, but expect to pay in Kwanza at the final step.
Which cards are accepted?
Visa is the most consistently accepted for visitors. Acceptance can vary by venue; always carry a backup method.
Is there a best place to exchange?
Use licensed bureaux de change and bank branches. Compare rates and fees, and exchange only what you need.
Kwanza Converter
Quick FX — Kwanza Converter
Open the converter to calculate between AOA and major currencies with live rates.
Rates are for guidance only; your bank or counter may apply different fees.