Zambian kwacha (abbreviated k, Zk or kw) is the legal tender and appears in 20, 50, 100, 500, 1000, 5000, 10000, 20000 and 50000 notes. Coins are archaic and only sold in markets as ancient artefacts. Generally, only k500 notes and above are used as k20 notes are not even accepted in the markets. All tourism establishments will quote their prices in United States Dollars but it is fine to pay in the local currency at the daily exchange rate. ONLY EXCHANGE MONEY in licensed banks and bureau de changes which are available in all major towns (in rural areas you will need a supply of kwacha before you arrive). Please note that ATMs tend to only accept Visa (not Mastercard, Maestro or Cirrus).