Africa
Money, cards and tipping in Chad
XAFFranc
Money in Chad
Mostly cash Cash in CFA francs (FCFA). Cards work at few hotels in N'Djamena. Prices are high. US$1 ≈ FCFA582.98 (03 Oct 2026).
Key facts
- Tipping: Tips are small and optional.
- ATMs: ATMs in N'Djamena take some Visa cards; they often run out.
- Paying by phone: Airtel Money and Moov Money need a local SIM.
- Price level: about 35% of US prices (World Bank PPP).
Quick answers
Do you tip in Chad?
Tips are small and optional.
Is Chad cashless?
Mostly cash. Cash in CFA francs (FCFA). Cards work at few hotels in N'Djamena. Prices are high.
What currency does Chad use?
The Franc (XAF). US$1 ≈ FCFA582.98 (03 Oct 2026).
Sources
- ExchangeRate-API open rates
- US State Department travel advisory
- UK FCDO travel advice: Chad
- World Bank open data
Compiled and reviewed by SoloSquare. How we compile and score this. Spotted something out of date? Tell us.