The unit of currency is the Moroccan Dirham (MAD), which is divided into 100 santimat. ATMs are available in the larger cities and towns, but can be unreliable; currency can be exchanged at banks or official bureaux de change, which are also widespread in major towns. Dirhams cannot be obtained or exchanged outside Morocco and receipts must be retained as proof of legal currency exchange, in addition to being the only way to re-exchange money when departing. Major credit cards are accepted in larger shops, hotels and restaurants.