In Tajikistan currencies can be exchanged at the airport, at the branches of banks, banks and official exchange offices and at hotels. US dollars, Euros and Russian rubles are accepted equallyreadily. To change the currency at black market is not recommended as in two out of three you will be a victim of fraud. 

   It is better not to count on debit or credit cards as ATMs can be found only in major cities of the Tajik and not at every turn. Similarly, it is difficult to pay by cards at most of the hotels and restaurants, even in the capital. Traveler's checks in Tajikistan can not be cashed.