Check with your card issuer to see what fees, if any, will be charged for overseas transactions. Recent reform legislation in the U.
But many banks have responded by increasing fees in other areas, including fees for customers who use credit and debit cards while out of the country—even if those charges were made in U. Check with your bank before departing to avoid any surprise charges on your statement. Banks are no longer the place of choice in Peru for exchanging money: Lines are too long, the task is too time-consuming, and rates are often lower at casas de cambio exchange houses or by using credit or debit-card ATMs or money-changers, which are legal in Peru.
Counterfeit bank notes and even coins are common, and merchants and consumers across Peru vigorously check the authenticity of money before accepting payment or change.
The simplest way: Hold the bank note up to the light to see the watermark. Many people also refuse to accept bank notes that are not in good condition including those with small tears, that have been written on, and even that are simply well worn , and visitors are wise to do the same when receiving change, to avoid problems with other payments. Do not accept bills with tears no matter how small or taped bills. Making change in Peru can be a problem. You should carry small bills and even then be prepared to wait for change.
Note : This information was accurate when it was published, but can change without notice. Please be sure to confirm all rates and details directly with the companies in question before planning your trip. Your bank may also tack on a surcharge and additional fees for each foreign-currency transaction. The most widely accepted cards in Peru are Visa and MasterCard. South America Peru Peru in detail.
Money and Costs Currency Nuevo sol S. ATMs widely available in larger towns and cities. Credit cards accepted in most establishments. Users should have a four-digit PIN. Your home bank may charge an additional fee for each foreign ATM transaction.
ATMs are normally open 24 hours. In Peru US Dollars and Euros can be exchanged to local currency, the Peruvian Sol, easily without restrictions in hotels, banks, exchange offices or on the street. Changing other currencies or paying with them is often more difficult to impossible.
Make sure that the banknotes you have are in pristine condition. Even the slightest flaw, including a tiny tear, wrinkles or normal wear, might cause rejection. Many hotels, shops, tour operators, etc. The safest places to change money are surely banks and your hotel, but exchange rates are usually ridiculously low.
So, best avoid these two options. On the other hand, you can get good to extremely good exchange rates when changing money with the money changers, called Cambistas, on the street. But as with all "street deals" in Peru, don't forget to bargain and be extremely careful. Inform yourself about the current rate, otherwise the friendly cambista might see a chance to rip you off. Exchange rates will not only vary depending on the amount you will change, but as well on your appearance and behavior.
For whatever reason, exchange rates on weekends are often slightly lower than on a weekday. When changing money on the street, remember to keep a watchful eye on your surroundings. Don't let anybody disturb your transaction. Don't get distracted by a brief chat with the Cambista. Count the money you get and always check for fake bills and coins. Unfortunately, foreign visitors are popular victims to circulate phony notes. So, have a good look at the notes you receive, but check the coins as well.
Some Cambistas might accidentally? Quickly the good exchange rate can turn into the opposite. If you are not familiar with the security features of Peruvian banknotes, we highly recommend to check out our article "How to distinguish between real and fake Peruvian money" before your first street transaction. Probably the safest place to exchange money with still good rates are exchange offices, called Casa de Cambio in Peru.
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