1. Carry U.S. Dollar Cash: Panama uses U.S. dollar bills, and US dollars are the practical alternative. Bring enough U.S. dollars before your trip.
2. Small Denominations: $100 bills are often refused. It’s more practical to carry smaller bills like $1, $5, $10, and $20.
3. Check Your Bills: Restaurants and hotels often add a 10% service charge, and sometimes an additional 7% sales tax. Always check your bill carefully when paying.
4. Verify Canal Lock Schedules: For the Miraflores Locks, check the day’s schedule for large ship transits in advance. Mornings are usually better.
5. Cash for Islands: In San Blas and parts of Bocas del Toro, card payments can be difficult. Carry enough cash and be ready to pay entrance fees.
6. Mosquito and Sun Protection: The tropical sun is strong, and there is a risk of dengue fever. Bring mosquito repellent and high-SPF sunscreen.
7. Travel Insurance: Medical facilities in rainforests and on islands are limited. It’s recommended to get travel insurance that includes medical care and emergency evacuation.
8. Theft in the Old Town: Be cautious with your belongings at night in Casco Viejo and around transit hubs. Avoid displaying valuables or large amounts of cash.
9. Layover Planning: Panama is a major hub for connecting flights. Confirm layover times and entry requirements for your connecting flights.
10. Emergency Numbers: Call 104 for police and 911 for emergencies. You can also contact the nearest embassy or consulate in Panama for assistance if needed.

Saving Money & Planning Your Trip

Panama City has good transportation options. The metro, Metrobus, and ride-hailing apps can cover most major attractions more affordably than a private car. The Canal and Casco Viejo can be explored on your own, but island and rainforest activities are better done with a tour or private transport. Avoid traveling during Carnival or major conferences, as prices are higher then. For San Blas and Bocas del Toro, entrance fees, boat fares, and guide costs apply. Clarify all costs in advance and bring enough cash to avoid unexpected charges. Transit passengers can combine a city tour and Canal visit into a half-day itinerary.

Safety & Health

In crowded areas of Panama City, petty theft can occur. Don’t show off valuables or large amounts of cash in public, and travel with others at night. Use licensed ride-hailing services. Mosquitoes are common in rainforests and on islands. Wear long sleeves and pants, use repellent, and take precautions against dengue fever. For water activities on islands, follow your guide’s instructions and stay alert to rip currents and weather changes. Carry basic medications and your insurance documents. In case of an emergency, contact local emergency services and the nearest embassy or consulate as soon as possible.