ATMs are widely available, and credit cards are accepted almost universally for transactions, including at hotels, shops and restaurants, and on taxis, ferries and buses.
Tipping on a North American scale is not expected, though is appreciated.
Service charges Service charges and tips are included in restaurant bills and taxi fares.
Reward service If the service has been particularly helpful in a midrange to top-end restaurant, 5% is generally appropriate, while 10% is considered generous.
Paying by credit card If you're paying by credit card in a restaurant, space will be left for adding a tip.