Cards
Visa and Mastercard are accepted in most hotels, restaurants, supermarkets and shops in Ulaanbaatar. Tell your bank you're travelling.
In Mongolia · Payments
Money & payments
Cards work almost everywhere in Ulaanbaatar; cash is king in the countryside. Here's how to pay.
ATMs
ATMs of the big banks (Khan Bank, Golomt Bank, TDB, XacBank) take foreign cards. Take out cash in Ulaanbaatar before going to the countryside.
Cash
Bring tugrik for ger camps, nomad families, markets, small shops and park fees. US dollars and euros are easy to exchange in the city.
QR payments
Locals pay by phone with QR codes (QPay and bank apps). These usually need a Mongolian bank account, so visitors mostly use cards and cash.
Tipping
Not expected in cafés, but common for guides, drivers and cooks at the end of a tour (often 5–10% of the tour price).
Good to know
Small notes
Keep small notes: change can be hard to get in the countryside.