ATM withdrawals work reliably at major banks (Standard Chartered, Barclays, KCB, Co-op). Visa has broadest ATM network. Fees vary; always select KES to avoid DCC markup.

Works for online purchases. Inform your bank beforehand to avoid fraud blocks on international transactions.

Widely accepted in urban areas (Nairobi, Mombasa, hotels, restaurants, shops). Visa preferred over Mastercard. Smaller businesses/markets often cash-only.