Smoking
Generally speaking, cigarette smoking is more widely accepted than in the USA or some parts of Europe. At business and social meetings it is best for smokers to refrain until confident of the opinions of their host.
Greeting Someone
The shaking of hands is a requisite upon meeting business acquaintances. Introductions in Cuba may be more elaborate and take longer than in some parts of Europe or the USA. Cubans who are personal friends, men as well as women, will often kiss each other on both cheeks when meeting. Foreigners are not expected to follow this custom, though some may choose to do so. Business cards are useful.
Havana Dress Code
Smart clothing is necessary for those seeking to do business in Cuba, though at many meetings most participants choose not to wear a tie. Since the climate is tropical lightweight outfits should be preferred to heavy. In the cooler months it may sometimes be necessary to wear a jersey or warm raincoat.
Havana Business Hours and Banking
Banks open on weekdays only. Generally, their business hours run between eight o'clock and noon, and between one o'clock and five o'clock. Currency exchange offices in smart hotels may stay open longer.
US credit cards and travellers' cheques are not accepted in Cuba. Those from most other countries (e.g. EU members and Japan) are accepted. The US dollar, however, is the currency most in demand in Cuba and in practice is that most used by foreigners.
Black market currency trading is illegal, and money should therefore be drawn or exchanged in official exchange offices, be these in hotels or banks. Receipts should be retained in case airport officials ask to inspect them.