Best ways to get cash in Europe without hidden fees or hassle

Best way to get cash in Europe: Tips for travelers

Euro Money Exchange
February 04, 2025
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When traveling to Europe, one of the main concerns is how to access cash safely and affordably. While credit and debit cards are widely accepted, having some cash on hand is always useful—especially in small towns, markets, or for public transportation. In this article, we’ll share valuable tips on the best ways to get cash in Europe, ensuring a hassle-free experience by helping you avoid unnecessary fees, security risks, and unexpected banking issues that might disrupt your travel plans.

1. Plan your budget in advance

A stress-free trip starts with good financial planning. Estimate how much cash you’ll need and determine the safest way to obtain it. Carrying a reasonable amount of euros or the local currency can reduce reliance on ATMs or card payments, helping you avoid unexpected fees, unfavorable exchange rates, or situations where card payments are not accepted.

2. Exchange money before your trip

To avoid high airport fees and hidden ATM charges abroad, it’s best to exchange a portion of your money before leaving the U.S. At Euro Money Exchange, located in Downtown Miami and South Beach, you can get euros at competitive rates without the hassle. Arriving in Europe with cash in hand saves you from searching for an exchange office upon landing.Our Locations:

Downtown Miami: 230 NE 1st St, Miami, FL 33132, USA
South Beach: 1300 Collins Ave, Miami Beach, FL 33139, USA

May be interested in: Find Out When is The Best Time to Exchange Currency

3. Use ATMs wisely

Once in Europe, using an ATM is the easiest and most direct way to get cash. However, there are a few important factors to keep in mind. First, ensure that your debit or credit card is accepted at European ATMs. Most machines take Visa and MasterCard, but it’s best to check with your bank before departure.Additionally, be aware of international withdrawal fees. Some banks charge high transaction fees, so withdrawing larger amounts at once can help minimize costs. Always use ATMs affiliated with major banks to avoid excessive surcharges.

4. Avoid airport currency exchanges

If you arrive in Europe without euros, exchanging money at the airport may seem like the easiest option. However, exchange offices in airports often offer poor conversion rates and high fees. To get the best value, exchange your cash at Euro Money Exchange before your trip and secure a favorable rate.

5. Pay by card whenever possible

If carrying large amounts of cash isn’t your preference, using a credit or debit card for purchases is a great alternative. Cards are widely accepted across Europe, making payments at restaurants, shops, and attractions simple. Before traveling, check if your bank applies foreign transaction fees.While most major cities accept card payments, some places—like Switzerland or rural areas—still favor cash. Having some bills on hand will help you avoid any inconvenience.

6. Check the exchange rate

Before exchanging money—whether at an exchange office or an ATM—always check the current exchange rate. Rates can vary significantly from one place to another, so knowing the latest value helps you make informed decisions.If you’re unsure where to find the best exchange rate, Euro Money Exchange offers competitive rates with complete transparency. Our experienced team will guide you to ensure you get the most value for your money.

7. Carry emergency cash in different forms

Having cash in various denominations is always a good idea. Small bills are useful for public transport and minor purchases. Additionally, carrying a backup card can be a lifesaver if your primary card gets lost or blocked. Always keep your funds secure and avoid storing all your money in one place.May be interested in: What to Pack for an International Trip: Your Essential Travel Checklist

8. Consider international transfers

If you’re staying in Europe for an extended period or need to make large payments, international money transfer services may be a good option. Platforms like PayPal, Wise (formerly TransferWise), and other similar services allow you to send money quickly and affordably. Always research fees and exchange rates before making a transfer.The key to accessing cash in Europe efficiently is preparation and smart choices. Exchanging money before your trip, using trusted exchange services, and considering prepaid travel cards are all excellent strategies.Always compare exchange rates and fees to secure the best deal. Most importantly, prioritize security—carry cash in multiple forms and monitor your transactions. At Euro Money Exchange, we make it easy to get cash before your journey, offering great rates and reliable service. Safe travels! Make the most of your international transactions by choosing Euro Money Exchange as your trusted provider. With our competitive rates and exceptional customer service, we’ll help you navigate the world of exchange rates with ease. Contact us today and start optimizing your financial operations!Euromoney Exchange Carousel