Banks are the best places to change money; they're open Mon-Fri 8am-6pm, although some close early on Fridays. Assistants are generally more helpful and likely to speak English at branches of foreign banks, although charges can be a bit higher. Travellers' cheques in US dollars, Sterling or Deutschmarks are undoubtedly the safest way of carrying money, though it's a good idea to keep some hard currency in cash for emergencies. Credit cards are accepted in most hotels, upmarket restaurants and some shops; you can also use them to get cash from the extensive network of ATMs.