Your Mozambique guide (2014 edition) states that it is “staggering quite how good the ATM network is”. Based on this, we decided to rely on ATMs on our recent (October 2015) visit to the country. Alas – using the ATMs turned out to be a nightmare. Even in larger towns like Nampula and Pemba, and even Maputo, many ATMs rejected our 4 cards (MasterCard, Visa, Maestro, Cirrus) even though they carried logos for all those cards. We tried dozens of ATMs, and there were long lines in front of most, making it a frustrating and time-consuming activity to hunt for money. In Ilha, all 3 ATMs had a sign saying there simply was no money left.
Fortunately, we had taken a backup in USD and EUR and managed to change this for a not-too-bad rate. Some ATMs did accept our cards, but then refused them on a next visit.