The main rule for travelling in Asia today: don't count on a Russian card working once you're there. In most countries in the region, cards issued by Russian banks aren't accepted and won't withdraw cash from ATMs. So it's best to sort out the money question in advance — calmly, without panic.
Why Russian cards usually don't work
After a number of banks were cut off from international payment systems, cards issued in Russia generally don't go through abroad — not at payment terminals, not at ATMs. That covers both paying in shops and withdrawing cash. There are exceptions, but relying on them is risky.
- Paying in cafés, shops and hotels with a Russian card usually doesn't go through.
- Withdrawing cash from local ATMs with a Russian card is usually not possible.
- Online bookings paid with a Russian card are also often declined.
What to bring with you
The basic working solution is cash, which you exchange on arrival, plus, if you have one, a foreign bank card as a backup. It's most convenient to carry cash in a reliable major world currency and exchange it locally at reputable exchange offices or banks.
- Take enough cash to cover the first few days (transfer, food, hotel).
- Split your money between a few places: some in the hotel safe, some on you.
- Exchange currency at official exchange offices or banks, not with street money changers.
- Keep small notes for taxis, markets and tips.
- If you have a foreign bank card, bring it as a backup, but check its limits beforehand.
Cash in a reliable currency is the most predictable way to pay in Asia right now.
Country by country
In Thailand and the UAE, there's a well-developed network of exchange offices and ATMs, and foreign bank cards are widely accepted. On Bali (Indonesia) and in Vietnam, cash is especially important at markets, small cafés and when renting transport. In Sri Lanka, it's also sensible to carry cash.
Cash vs card (approximate, check before you travel)
| Situation | What's usually more reliable |
|---|---|
| Markets, street food, tuk-tuks | Cash, small notes |
| Large hotels and shopping malls | A foreign bank card |
| Bike rental / deposit | Cash |
| Backup for emergencies | A foreign bank card plus a cash reserve |
When planning your budget, build in a margin for the exchange rate and fees. Our matching tool can help you find a destination that fits your money and dates.
* Payment system rules, card acceptance and exchange rates change quickly. Always check the current situation with your own bank before you travel.
