The currency is the Indian Rupee (INR), which is divided into 100 paise (singular paisa). Major currencies can be changed at banks, and authorised bureaux de change. It is illegal to exchange money through the black market and it is advisable to refuse torn notes, as no one will accept them apart from the National Bank. It is best to change money into small denominations. Major credit cards are widely accepted, particularly in tourist orientated establishments. ATMs are available in large cities and airports but are not generally available in rural areas.