When changing pounds sterling or dollars to Tanzanian shillings in a exchange bureau, large denominations get a better exchange rates. This is not so in banks, but banks take ages! (two hours in Bagamoyo)

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Outside of Nairobi it is almost impossible to use either a Maestro, Mastercard or travellers' cheques if you are not in a four or five-star lodge.

You really need US dollars in high ($50 or $100) new (post-2003) bills or a visa debit or credit card to use the ATMs. Even Barclays bank outside of Nairobi won't accept Mastercard.

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