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Travel Tips & Trends:
How Much Money Should I Bring?

When traveling to Europe, it’s smart to plan ahead for your spending money and how you’ll access cash once abroad. While most places accept credit cards, having some euros on hand for small purchases, tips, or local markets will make your trip easier and smoother.

ATM

How Much Cash to Bring

Your spending habits and itinerary will determine how much you need, but a good starting point is €50–€100 in cash per person for your first day or two. This covers basics such as coffee, snacks, taxis, or gratuities until you have time to find an ATM. Once you’re settled, you can withdraw more cash as needed.

Tip: Europe is increasingly card-friendly, especially in cities, but small, family-run cafés, taxis, or rural shops may prefer cash. Always carry a mix of payment options — debit or credit card for larger purchases, and euros for small expenses.

 

Exchanging Money Before You Leave

It’s wise to get a small amount of euros before you depart the U.S. You can do this through:

  • Your local bank or credit union (often offers the best rates)

  • AAA (available to members, with reasonable exchange fees)

This ensures you have cash in hand upon arrival — helpful for airport snacks, a cab, or a tip for the driver — without worrying about finding an ATM immediately.

 

Why You Should Avoid Airport Currency Exchanges

While convenient, airport currency exchange kiosks often have poor exchange rates and high service fees, which can eat into your travel budget quickly. It’s best to exchange only a small emergency amount there if absolutely necessary.

 

Withdrawing Euros in Europe

Once in Europe, using a debit card at an ATM is usually the easiest and most cost-effective way to get local currency.

  • Choose ATMs connected to major banks, not standalone kiosks. If you have a Tour Manager with you, they will direct you to a reputable location.

  • Always select the option to be charged in euros, not U.S. dollars — this avoids extra conversion fees.

  • Notify your bank and credit card companies of your travel dates to prevent card blocks or fraud alerts.

 

Final Tips

  • Carry small denominations for convenience; some shops won’t accept large bills.

  • Keep cash, cards, and identification in separate, secure locations.

  • Consider using a travel-friendly credit card with no foreign transaction fees for purchases.

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