Visa/Mastercard accepted for online purchases. Standard 3-5% foreign transaction fees apply. Inform your bank beforehand to avoid fraud blocks.

Apple Pay supported through bank partnerships; Google Pay in early phase. Contactless adoption growing but unreliable outside major city malls and chains.

Widely accepted at shops, restaurants, hotels, and malls in major cities (Bogotá, Medellín, Cartagena). Less reliable in small family businesses and rural areas where cash preferred.

Standard ATM withdrawals work. Expect 3-5% foreign transaction fees plus ATM surcharges (COP 12,000-29,900). Always select COP conversion, not home currency. Withdraw maximum amounts to minimize fees.