In Manali, the accepted currency is the Indian Rupee (INR). It's recommended to exchange currency at authorized banks or exchange offices for better rates. ATMs are widely available in the main areas, but it's advisable to carry some cash for smaller establishments. Credit cards are accepted at larger hotels and restaurants, but it's always good to have some cash on hand. Mobile payment options like Paytm are becoming increasingly popular and are widely accepted in many places.