São Tomé and Príncipe’s lush rainforests, volcanic beaches, and laid-back charm offer a truly off-the-grid escape – but handling money in São Tomé and Príncipe and understanding how currency works is essential for a smooth visit. Whether you’re staying in eco-lodges, dining on fresh seafood, or exploring island markets, knowing how to pay makes a big difference. This guide covers what currency to bring, how to get money and currency in São Tomé and Príncipe (Dobra – STN), tips for cash use, and important dos and don’ts. With the right knowledge, you’ll enjoy your island adventure without financial stress.
How to pay in Sao Tome and Principe – cash or card?
In São Tomé and Príncipe, cash is main form of payment, especially outsaide the hotels and tourist stops. Some big hotels also accept cards. The dobra (STN) is the official currency.
You can use cash for:
- Public Transportation: Taxis, minibuses, and moto-taxis are cash-only.
- Street Vendors and Markets: Local produce markets and food stalls operate on cash.
- Small Businesses: Family-run shops, cafés, and eateries often require cash.
- Hostels and Guesthouses: Many budget accommodations are cash-only.
- Tips and Gratuities: Small cash tips are appreciated for hospitality and tour services.
- Rural Areas: Electronic payment options are rare outside the main city.
You can use card for:
- Hotels: Some mid-range and upscale hotels in the capital and tourist areas accept cards.
- Restaurants: Higher-end restaurants in the capital may accept cards.
- Retail Stores: A few larger shops in the capital take cards, but always confirm first.
- Car Rentals and Tours: Some established operators accept card payments.
- Online Bookings: International flights and select hotels can be booked online by card.
What’s the best currency to take to Sao Tome and Principe?
The São Tomé and Príncipe Dobra (STN) is the official currency for everyday purchases in the country. So, it’s the best currency to use once you’re there.
That said, you won’t be able to get STN outside the country, as it’s a non-convertible currency. A practical option is to bring Euros (EUR) which you can exchange at banks and hotels or use the ATMs here. Establishments do not accept USD and other currencies.
Where to get currency in Sao Tome and Principe?
There are 3 main ways to get cash in Sao Tome and Principe. They are:
- ATMs, or
- Currency exchange, or
- Money transfer & local pick-up
Types of cards to swipe in Sao Tome and Principe
Visa and Mastercard transactions are commonly accepted for swiping. You might also find some places that accept Amex and other cards, albeit less frequently.
Types of cards at ATMs in Sao Tome and Principe
If you’re withdrawing money in Sao Tome and Principe from an ATM, ATMs usually only accept international Visa cards. Other card types such as Mastercard, Cirrus, Plus, JCB, Maestro, American Express, CUP, Diners, Discover, Rupay cards are usually not accepted here.
Should I exchange money before travelling to Sao Tome and Principe?
It’s highly recommended to bring Euros (EUR) in cash when traveling to Sao Tome and Principe, as the country uses the Dobra (STN) but foreign currency exchange options are limited, and ATMs may not accept international cards.
There are only a few ATMs in São Tomé city, and they don’t always work with foreign-issued cards. Visa has better support than Mastercard, but it’s crucial to confirm with your bank. Cash is king in most parts of the country.
Currency exchange is best done at local banks or official exchange offices in the capital. Bring EUR rather than USD for easier exchange and better rates.
Where to withdraw money in Sao Tome and Principe
You can withdraw money in Sao Tome and Principe at leading bank ATMs in the country. The best ATMs for foreigners to use in Sao Tome and Principe are those owned by popular banks such as:
- BISTP,
- Ecobank,
- Afriland, and
- Energy Bank
(all part of the Dobra24 ATM network).
For a detailed guide, read Cash and ATMs in Sao Tome and Principe.
Where to exchange currency in Sao Tome and Principe
Currency exchange in São Tomé and Príncipe revolves around the local Dobra (STN) and is fairly limited outside major tourist areas.
Banks: The main place to exchange currency is Banco Internacional de São Tomé e Príncipe (BISTP), which operates in São Tomé city. Banks typically function Monday to Friday, 7:30 AM to 3:00 PM.
Exchange offices: There are a few small exchange points in São Tomé city and at the airport. They may offer competitive rates, but always confirm authenticity.
Hotels: Some high-end hotels (especially those catering to international tourists) offer currency exchange services, though often at less favorable rates.
Pro Tip: Bring Euros, as they are widely accepted and offer better exchange value than USD. Always change currency in official locations – informal exchange is not recommended.
You can find good currency exchanges in Sao Tome and Principe using the ATM Fee Saver app – it will guide you to the nearest currency exchange on the map. The app helps you with forex places in 160+ countries, including Sao Tome and Principe. Download now from the App Store or Play Store.
Avoid Airport Exchanges and no-fee exchange offices: They have the highest fees and poorest exchange rates. Wait to get to the city to exchange cash.
Is carrying cash in Sao Tome and Principe safe?
Carrying cash in São Tomé and Príncipe is necessary and generally safe, as credit card acceptance is limited and ATM access can be unreliable outside the capital. Crime is relatively low, but travelers should still exercise caution with valuables.
To carry cash safely in São Tomé and Príncipe:
- Bring enough Euros or Dobras for your full stay, especially if visiting rural areas.
- Divide your cash across a money belt, travel wallet, and secure bags.
- Avoid carrying all your money with you when exploring.
- Use ATMs inside banks or hotels in São Tomé city for secure withdrawals.
- Be discreet when paying, especially in markets or on day tours.
- Carry small bills for taxis, meals, and local services – many places won’t have change for large notes.
Is it better to use debit or credit cards or pay by cash in Sao Tome and Principe
Use a card if it is fee-free i.e. your bank does not charge any fees to swipe the card, when the merchant / POS also does not impose any extra charge to use a card, you need to use the insurance of the card, don’t want to block cash of large purchases and card’s swipe fees are lower than withdrawal fees.
Pay by cash by withdrawing cash from ATM or exchanging currency where – fees on ATM withdrawals are lesser than fees on swiping cards, you don’t want to leave any digital footprint of your expenses, it is convenient and easier to conduct transactions.
