The official currency of Armenia is the Dram (AMD), which is divided into 100 luma. Foreign currency can be exchanged at banks as well as many hotels, with US dollars the most widely recognised and easily changed, although notes should be in good condition. Credit cards are not widely accepted other than in some large hotels and restaurants. ATMs are now widely available in cities as well as small towns. It is advisable to carry plenty of small change in local currency as shops and markets will often not have change.
