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What currency is used in Sri Lanka?
Sri Lankan Rupee (LKR). Notes: 20, 50, 100, 500, 1000, 5000. Coins: 1, 2, 5, 10 rupees. Exchange your currency at the airport, banks, or authorized money changers. I can take you to reliable exchange places with good rates. Keep small bills for tips and small purchases.
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Is Rupee the only currency used, or is the US$/ Euro also widely used?
Rupee is official currency. US Dollars accepted at major hotels, upmarket restaurants, and some tourist shops, but rate may not be favorable. Change money for local markets, small eateries, and transport. I recommend paying most expenses in Rupees.
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If it is Rupee only, what is the best currency to bring - US$ / £ Sterling / Euro?
US Dollars are most widely accepted and get best exchange rates. Euros and GBP also good. Bring newer bills (after 2009) without marks or tears - some places reject damaged notes. Exchange at banks or authorized counters for best rates. I can recommend reliable exchange locations.
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How much of money can I bring in to/ take out of the country?
You can bring any amount of foreign currency but must declare over USD 15,000. Export limit: foreign currency up to amount declared on arrival. Sri Lankan Rupee export limited to LKR 20,000. Keep all exchange receipts to show if carrying significant cash.
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Are credit cards widely accepted?
Yes in cities and tourist areas: hotels, upmarket restaurants, larger shops. Visa and MasterCard most accepted. Amex and Diners less common. Small establishments and rural areas cash only. Inform your bank of travel to avoid card blocks. I carry a portable card machine for my tour payments.
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Are ATM machines widely available and do they issue cash against my debit/ credit card?
ATMs in all cities and towns, less in rural areas. Most accept Visa, MasterCard, Cirrus, Plus. Withdrawal limits typically LKR 50,000-100,000 per transaction. Expect fees from your bank and local ATM operator. Notify your bank before travel. I know locations of reliable ATMs along our route.
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What are the business hours and days?
Government offices: 8:30am-4:15pm Mon-Fri. Banks: 9am-3pm Mon-Fri, some open Sat mornings. Shops: 9am-7pm Mon-Sat, some open Sunday. Tourist shops open longer. On Poya (full moon) days, many businesses closed or have reduced hours. I'll plan shopping around these schedules.
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Why don't Sri Lankan banks have IBAN account numbers?
Sri Lanka doesn't use the IBAN system. International transfers use SWIFT/BIC codes with standard account numbers. For transfers to Sri Lanka, you'll need: Beneficiary name, account number, bank name, branch, and SWIFT code. I can provide these details if you need to transfer money during your stay.