In November 2000 Tajikistan began issuing its own money- Somoni (subdivided in 100 dirams). Notes come in 100, 50, 20, 10, 5, 1 Somoni denominations. Dirams, also issued as notes, are in denominations of diram 50, 20, 5 and 1. At the end of 2001 new coins were introduced 1, 3, 5 Somoni and 50, 25, 10, 5 dirams denominations.
Banks, exchange offices, tourist hotels have exchange desks where you can exchange hard currency (US dollars or EURO are best, other hard currencies are in theory acceptable), Russian Rouble, Kazakh Tenge, Kyrgyz Som, Uzbek sum for local money. All bills are normally settled in cash.
Officially all banks and exchange offices must give you exchange receipt.
Travelers cheques can not be used for payment in Tajikistan yet.
Some local banks offers credit card services, and a very few local businesses have started to accept payments made with major credit cards (VISA, MasterCard, American Express), but you should not fully rely on that. There are Western Union offices in some cities and towns.
The import of local and foreign currency is unlimited, subject to declaration on arrival.
Export of foreign currency is limited to the amount declared on arrival or maximum 3 000 USD per person without acknowledgement of the origin. It is recommended that all currency be declared on arrival and a customs declaration be obtained.
If you are planning to visit the Pamirs make sure you change money before arriving in the region, because, in principle, it is possible to change cash US dollars in Khorog or Murgab but at a fairly low rate.
Banking hours: 8-oo – 17-oo Monday to Friday.
At ATMs, cash can be withdrawn in US dollars or Tajik Somoni.