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Pakistan is primarily a cash-based society. Few establishments take credit cards, and virtually no establishments take traveler's checks. So be sure to bring plenty of cash, while taking necessary precautions. In the city of Gujranwala, for example, you will find no place to obtain cash from credit cards or traveler's checks, though this city is the fifth largest city in Pakistan.
Pakistan's banking sector is one of few developed sectors of Pakistan. Every Bank has it's own ATM Machines and online branches in almost every city. If you carry an ATM card of any bank with Maestro, Cirrus or other common types you can use your card here in some banks- though they may be somewhat hard to find, or due to some recent changes, more difficult than before. Some ATM networks such as Star and Plus and more difficult to find, especially in smaller cities. There are many money changers, and there will be at least one in the international airports. In Pakistan here are a few major ones: http://www.forexpk.com/kalpoint/kki/c... and http://www.pakpost.gov.pk/western_uni...