Bring dollars or rupees.

Bhutan, as a small Himalayan Kingdom, lacks sophisticated ATM services in most towns. Bank services are also scarce. Most shopkeepers do not accept credit cards or even checks. Cash is the most widely accepted form of payment. Credit cards are only accepted in hotels, resorts, and extremely expensive handicraft showrooms.

ATMs are not available in remote towns and villages. Limited ATM services are available in the country's major economic centers, Thimphu and Paro, where cash can be withdrawn. However, because the Bhutanese currency has a similar exchange rate to the Indian rupee, large amounts will be accepted in rupees. But first, make sure it's accepted by the vendor.

The following currencies can be exchanged for the Bhutan currency - Ngultrum at the Paro International Airport's foreign exchange desk: US Dollar, Pound Sterling, Euro, Japanese Yen, Swiss Franc, Hong Kong Dollar, Canadian Dollar, Danish Kroner, Australian Dollar, and Singapore Dollars. If you are bringing US dollars, USD 100 bills are more easily exchanged and take less time. Other denominations of currency, however, are also accepted. This is unquestionably one of the most important things to know before traveling to Bhutan.