ATM access on the Everest Base Camp trek is limited to lower-altitude towns, mainly Lukla and Namche Bazaar. Lukla (2,860 m) has a few ATMs, but they can be unreliable due to power or connectivity issues and cash shortages, so they are best used as a backup. Namche Bazaar (3,440 m) is the last dependable place to withdraw cash, with ATMs that typically accept international Visa and Mastercard cards.

Beyond Namche, villages such as Tengboche, Dingboche, Lobuche, and Gorak Shep have no ATMs, so trekkers need to carry enough Nepali Rupees for the rest of the trek. The trek is entirely cash-based. Teahouses, shops, and vendors accept only Nepali Rupees, and credit cards are usually not accepted in smaller villages. Carry enough cash to cover extra expenses such as showers, device charging, and hot water.

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