Cash or Card in Germany?
Everything you need to know about paying for things in Germany as a traveler.
The Short Answer
Germany is more cash-oriented than most of Western Europe. Many restaurants, bakeries, and smaller shops are cash-only.
How Much Cash to Bring
€50-80 per day
Keep some cash for small purchases, street vendors, and places that don't accept cards.
ATM & Cash Withdrawal Tips
Use Sparkasse or Deutsche Bank ATMs. Avoid independent ATMs near tourist spots that charge high fees.
Currency
€
Euro
EUR
Currency code
Check live rates at your bank or XE.com
Recommended Travel Cards
Cards with no foreign transaction fees work best for international travel.
- ●Wise debit card
- ●Revolut
- ●No-FX Visa/Mastercard
Universal Travel Money Tips
Regardless of your destination, these money tips apply everywhere and can save you significant amounts on fees and exchange rates:
- ✓Always decline "Dynamic Currency Conversion" (DCC) at ATMs and shops — it uses a worse exchange rate and adds hidden fees. Choose to pay in the local currency instead.
- ✓Notify your bank before traveling to avoid your card being blocked for suspicious activity. Set up travel notifications in your banking app.
- ✓Carry two different payment methods (e.g., two different cards, or a card and cash) in case one fails, gets lost, or is not accepted.
- ✓Avoid exchanging money at airports and hotels — they offer the worst rates. Use ATMs or local exchange offices in the city center instead.
- ✓Keep a small emergency fund in USD or EUR — these are widely accepted and easily exchanged in most countries worldwide.