Nigeria is mainly a cash economy although the use of credit and debit cards is increasing - especially in the big cities. If you intend to use cash, make sure you bring enough foreign currency to cover costs. It is illegal to change money on the street and travellers cheques are difficult to cash. Credit card fraud is common, so take care if using your card. You should take advice from your card issuer before travelling if you intend to use your credit or debit card in Nigeria.