Most traders will insist on cash (Kenyan or dollars) or mobile money transactions, so be sure to convert some USD to Kenyan shilling. If you go shopping in the supermarkets and local stores, you will use cards and Kenyan money to clear the bill.

While Nairobi is a global leader in mobile money (M-Pesa), you still definitely need local cash (Kenyan Shillings) for your trip. Most major retailers, hotels, and upscale restaurants accept international credit cards (Visa and Mastercard), and almost every local business—from high-end boutiques to street vendors—prefers M-Pesa. However, as a tourist, you will need physical cash for tipping safari guides, paying for "matatu" (local minibus) fares, or shopping at traditional Maasai markets where digital payments for foreign accounts can be finicky. In 2026, it is highly recommended to withdraw KES from an ATM at Jomo Kenyatta International Airport (NBO) upon arrival. Small denominations are particularly useful, as many vendors may struggle to provide change for larger 1,000-shilling notes. Having a mix of a travel card and physical cash ensures you can navigate both the digital-savvy city and the more traditional areas seamlessly.