We recommend a mix of money: credit card and cash in US Dollars. Moshi has plenty of banks, where you can withdraw money with your Visa (preferred) or MasterCard. Since there is a daily withdrawal limit of 1,000,000 Tanzanian shilling (roughly 570 USD) you should carry some US dollars in cash with you. This is especially handy when it comes to paying the remaining 70 % of your tour price. At our Viva Africa Tours’ office we accept cash only.
For security, keep your cash in different places – in your luggage, and on your body. Keep a backup credit card separate from your main one and keep online cash safe in two different accounts. Always keep your important stuff like passport and credit cards in a money pouch close to your body and/or under your clothes. If you’ve a spare wallet or purse that you don’t mind losing, stick a few low-value notes in and a fake credit card.