Kuɗin takarda ya kasu zuwa nau'i uku, waɗanda sune:

Paper money consists of three types, these are:

1. Kuɗin takarda na ainihi: Waɗannan takardun banki ne da ke wakiltar wani adadi na zinariya da azurfa, ko dai tsabar kuɗi ko kuma sanduna, waɗanda aka ajiye a wani wuri na musamman, kuma suna da darajar ƙarfe daidai da ƙimar da takardun ke ɗauka, kuma ana iya musayar su idan an nema. A irin wannan yanayi, yadda ake yawo da su a zahiri yana kama da na kuɗin ƙarfe, inda kuɗin takarda ke yawo a matsayin madadin kuɗin ƙarfe.

1. Intrinsic paper money: These are bank notes representing a certain amount of gold and silver, either coined or in bullion, deposited in a specific place, which have a metallic value equal to the nominal value held by these notes, and can be exchanged on request. In such a case, the circulation in real terms is like that of metallic money, with the paper money circulating as a substitute for metallic money.

2. Kuɗin takarda na amana (fiduciary paper money): Waɗannan takardu ne "masu musaya" inda wanda ya sa hannu ya yi alkawarin biyan mai riƙe da su, idan ya nema, wani adadi na kuɗin ƙarfe. Darajar waɗannan takardun amana idan aka saka su cikin yawo, za ta dogara ne da amanar da mutane gaba ɗaya suke da ita ga wanda ya sa hannu, da kuma ikonsa na cika alkawarin. Idan yana da amana kuma abin dogaro ne, to zai zama mai sauƙi a yi amfani da wannan kuɗin takarda na amana kamar yadda ake amfani da tsabar kuɗi.