Currency rules are in a state of flux in Democratic Republic of Congo's complex, mostly-cash economy. Until the introduction of a new DROC franc, the local currency remains the New Zaire. The U.S. dollar, however, serves as a reference for most financial transactions, and American currency is widely used in the major cities, with change usually given in New Zaires. There are limited alternatives to carrying cash. Credit cards may not be used at banks to obtain cash advances.
Travelers checks are cashable only at commercial banks.
Non-cash transactions are usually more difficult outside Kinshasa. Transactions by unlicensed dealers are illegal and pose risks to the customer. The Government prohibits the transport of large sums of cash, both from one region to another within the country, and internationally. The rules have not been published. Both New Zairian and foreign banknotes have been seized, entering and leaving the country.