Cash, Cards, Digital Wallets... Your Payment Options in the Sacred Valley

Payment Alternatives

When traveling to Peru’s Sacred Valley, payment methods can be a bit tricky if you don’t have a Peruvian bank account. For non-locals, Yape, the popular mobile payment app, is typically off-limits, leaving cash, cards, or digital wallets as the primary alternatives.

Cash is Still King

In the Sacred Valley, cash is still king. Many local shops, restaurants, businesses, and markets (besides Yape) only accept cash. For those few spots that do accept cards or wallets, there is often an additional fee, which is usually passed directly onto you by the merchant. This fee comes from the card and wallet operators, so it's important to consider this when making purchases.

ATMs: Availability and Fees

If you prefer paying with cash, you're in luck—but be aware that ATMs can be scarce. You’ll find one or two in key towns like Pisac and Ollantaytambo, with a few concentrated around the Plaza de Armas and main road in Urubamba. Our top recommendation is the Caja Arequipa ATM in Urubamba’s Plaza de Armas, which allows withdrawals of up to 700 soles in a single transaction for a fee of 18 soles. This is more reasonable than most ATMs, which tend to limit a single withdrawal to 400 soles and charge between 25-35 soles per transaction. Not only is Urubamba's Caja Arequipa cheaper, but it's also a secure, well-maintained ATM room that has never run out of cash in the years we've been using it.

Why Five Dollars is Worth the Savings

While it may seem like a small economy—saving 15-25 soles, or an average of five dollars per 400 soles / 100 dollars withdrawal—the cumulative savings could add up, especially if you need to make multiple withdrawals during your stay. Just keep in mind that ATM charges are added on top of foreign exchange conversion fees, which typically range from 4-6% depending on your bank.

Looking for Things to Do in the Sacred Valley? Plan Your Payment Strategy

To make the most of your trip, sorting out your payment logistics early is key. If you're heading to Urubamba, you’ll have the best chances for straightforward and more cost-effective transactions. Whether you’re trekking through ancient ruins or sampling local cuisine, it's always good to have your payment method ready.