There are more posts about this issue on the thread from the liberal board.I talked to my daughter. Panama uses American dollars (which I already knew) but they do not use credit cards at least not from tourists. She uses her debit card from her Wells Fargo bank here in the states. Salaryguru takes a money belt and I think I will do that, too. I'm going to be there for 1 1/2 months so I was concerned about how to do the finances.