Money
The currency is the córdoba (C$, NIO). The exchange rate hovers around 36–37 córdobas to the US dollar. US dollars are widely accepted in tourist areas and can be used for larger purchases, though you'll need córdobas for markets, local buses, and smaller vendors. Keep a supply of small denominations (C$20, C$50, C$100) — change for large bills can be hard to find.
ATMs are available in most towns and dispense both córdobas and sometimes US dollars. Use ATMs inside banks or commercial centers rather than street-facing machines. Foreign cards are typically charged a fee of $3–$5 per withdrawal; withdraw larger amounts less frequently to minimize fees. When prompted, always choose to withdraw in local currency (NIO) to avoid dynamic currency conversion.
Money changers operate at land border crossings and are generally honest, though count your money carefully.
Language
Spanish is the official language. On the Caribbean coast (the RAAN and RAAS autonomous regions), English creole is widely spoken alongside Miskito and other indigenous languages. In tourist towns, some English is spoken by guesthouse owners, tour operators, and restaurant staff — but not reliably. Basic Spanish goes a long way.
Communications
SIM cards from Claro and Tigo are cheap and widely available; buy one at the airport or in any town center. Coverage is good in cities and main towns but spotty on the Caribbean coast and in rural areas. Wi-Fi is available in most guesthouses and restaurants in tourist zones.
Safety
Nicaragua's main cities and tourist destinations are generally safe for travelers exercising standard precautions. Petty theft — phone snatching, bag theft — is the most common risk, especially in Managua and crowded markets. Avoid displaying expensive gear, use radio-dispatched or hotel-arranged taxis rather than flagging random cabs in cities, and keep copies of your passport separate from the original.
Politically, the government under President Ortega has grown increasingly authoritarian. Avoid any activity that could be interpreted as political — protests, NGO volunteering, religious proselytizing, or even social media posts critical of the government. Several foreigners have been detained or expelled in recent years over such matters. The US State Department maintains a Level 3 advisory; check your own government's advisory before travel.
Electricity
110V / 60Hz, using North American flat two-pin plugs (Type A and B). European devices need an adapter and possibly a voltage converter.
Time Zone
UTC-6 (Central Standard Time). Nicaragua does not observe daylight saving time.
Opening Hours
Government offices and banks typically operate Monday to Friday, 8:00–16:30. Many businesses close for a lunch break. Markets open early; restaurants in tourist towns stay open through the evening. Note that many services in smaller towns close on Sunday.