Turkey is increasingly card-friendly in its cities and resorts, yet daily life still leans on cash, and visitors need both. Start by buying Turkish lira from a commission-free provider such as Travel FX before you fly, then split your spending sensibly.
Hotels, supermarkets, chain restaurants and larger shops take cards smoothly, though some smaller businesses add a surcharge or set a minimum spend.
Markets, dolmus minibuses, taxis, beach vendors, public toilets, tips and most family-run lokantas. Rural Turkey is effectively cash-only, and even in resorts the smallest purchases move faster with notes.
Cards for the planned spending, lira for the spontaneous. Travel FX, trading online for more than 18 years with over 60 currencies, holds a 5-star Trustpilot rating.