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Visa and Mastercard debit and credit cards are accepted by most ATMs, operated by local banks such as the State Bank of India, or the Punjab National Bank. Other international banks like Citibank, Deutsche Bank and ABN Amro are found in the bigger cities. There are at least two ATMs in Leh, but none in Padum or Kargil.

Card payments are not popular. International money transfer service via agencies like Western Union is available both in Delhi and in Leh. Travellers’ cheques, mainly American Express/Thomas Cook, are accepted in the cities. It is wise to have at least two different ways of accessing money during the trip.

If you stay in budget guesthouses, eat in simple restaurants and bars, and travel overland by public transport, an allowance of £12.50 per day should be sufficient. If your budget is very tight, you might get away with around £8 per day. Hiring a horseman with animals to carry your equipment on the trek, or an agent to arrange the trek for you, will increase the cost (see below).