Whether it’s pleasure or business, knowing the best card to use when you travel to Europe can save you lots in unwanted fees and charges.Travel Money Europe guide

The Euro was introduced in 1999 as a show of economic solidarity for countries within the European union.

For Australians journeying to the Euro Zone, understanding the difference between travel cards, debit cards and credit cards – and which is best for your travel needs – can make your trip less stressful.


Where Can You Find the Best Travel Money Rates for Euros?

The Internet has made it easy for anyone to compare exchange rates. This is the most time and cost effective way of comparing travel money exchange rates.Alternatively, you can choose to explore different rates and fees with the following banks and money changers here:


Find the Best Way to Exchange Currency

Where Are You Travelling To?

When Are You Travelling

How Much Do You Need in Foreign Currency

How Much Money Do I Need to Take With Me to Europe?

This really depends on which city you are visitng, duration, budget and lifestyle. Whether you’re planning to skimp or splurge, this guide will give you a general overview of how much money you’ll need to bring to Europe.

Daily Budget Paris, France Berlin, Germany Rome, Italy
sleep Hostel: €25/night
Hotel: €25/ night
€20 per night
from $250 per night
food Cafe
€12 – 15
Popular Restaurant
$25 – $40 per person
Top Restaurant
$60 – 100 per person
transport €1,80 per single ticket Car rental, budget range
$30 a day
Car rental, luxury range
$90 – 250 a day

*All prices are in Euros and are an estimate


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The Best Card To Use In Europe

Visa and MasterCard are both accepted widely across Europe

It’s important to remember that not all countries have adopted the Euro so if you are planning a trip, it’s important to remember that these countries still use their own currency:Travel Money Europe

  • Sweden
  • Czech Republic
  • Romania
  • Bulgaria
  • Lithuania
  • Hungary
  • Latvia
  • Poland
  • Denmark

For travel to any of the countries listed above, make sure you convert Euros to the local currency before completing your transactions.

If you favour credit cards for travel, do your research. Some credit cards are more expensive than others.

Overseas credit card use attracts additional fees and charges related to conversion rates, so speak to the card provider to ensure you understand the fees before committing.

International ATM fees can add up very quickly. It can be avoided by doing over the counter transactions. Loading up your card with your own money is another way to avoid cash advance rates but be aware that, by doing this, you may waive some of your protection against fraud.

Travel insurance is always critical so speak to your travel agent about the level of protection you need to make sure you’re covered.


Using Your Debit Card in EuropeTravel Money Europe using debit card

The alternative to a credit card is a debit card you can use to make purchases over the counter or via the ATM.

There are still fees – mainly to do with international currency conversion and, with some cards, they are higher than others. Compare pricing before making your choice. Some Australian financial institutions have relationships with overseas banks and this can mean waived or reduced fees and charges for ATM use.

For up-to-date information on the best card for your European travel needs, talk to our team of currency experts at The Currency Shop for accurate advice.


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Helping You Save Money on Currency

Buying travel money or transferring money overseas can be expensive and confusing. So how do you make the best choice and get the most out of your money?

An easy way is to use a comparison table for either international money transfers or currency exchange. These tables list and compare the banks with other large foreign exchange companies.

We’ve also put together tons of helpful videosguides and reviews that will help you make the right decision. You can work out a cheaper way of converting currency while still keeping your money safe.