My experience in North Macedonia was hit-or-miss with cards. Komercijalna Banka ATMs worked consistently with my Visa, but others failed. In Ohrid’s l...

From my trip, I can say card rejection in Nepal is normal. Himalayan Bank worked with my Visa, but in Bhaktapur and rural areas nothing did. Even in K...

Namibia is partially card-friendly, but expect rejections. In Windhoek, FNB and Standard Bank ATMs were reliable, but outside, many didn’t accept my c...

I learned quickly that Moorea is cash-first. ATMs rejected my card in Maharepa, and only Banque de Polynésie accepted it later. Most tour operators, b...

I wouldn’t say Malta is difficult for cards, but issues do crop up. My Visa worked almost everywhere, but one Coop store in Gozo rejected it. Most res...

My experience was mixed: in Bishkek, Visa worked at DemirBank and RSK Bank, but in Naryn and Song-Kul every ATM rejected me. Restaurants in the capita...

Namibia’s card acceptance is inconsistent. In Windhoek, Absa and Standard Bank ATMs worked well, but outside, I had several failures. Supermarkets and...

Moorea is stunning but not card-friendly. ATMs on the island sometimes reject foreign cards or simply don’t work. Visa seemed to have higher success r...

I had only minor issues in Malta. An APS Bank ATM declined my card once, but HSBC worked right away. Most restaurants and shops in tourist areas accep...