Introduction

Europe is a diverse continent made up of around 44 countries, known for its rich history, culture, and variety of languages. It stretches from the Atlantic Ocean in the west to the Ural Mountains in the east. Europe is famous for its landmarks, art, cuisine, and modern cities, as well as its political and economic influence globally. Many European countries are part of the European Union, which promotes cooperation and travel across borders.

  1. Know Which Countries Use the Euro and Which Don’t

Europe is a continent of many currencies. While 20 of the 27 European Union countries use the Euro (€), some popular destinations like the United Kingdom (British Pound), Switzerland (Swiss Franc), Denmark (Danish Krone), Sweden (Swedish Krona), and Norway (Norwegian Krone) have their own currencies.

Why it matters:
If you only bring Euros, you may face extra exchange fees when visiting these countries. Research your destination currencies in advance so you can plan whether to carry some local cash or rely on cards.

  1. Use Credit and Debit Cards Wisely

Cards are widely accepted throughout Europe, especially in urban areas and tourist spots. Visa and Mastercard are the most common, while American Express may not be as widely accepted.

Tips:

  • Use cards that have no foreign transaction fees.
  • Notify your bank before traveling to avoid fraud alerts blocking your card.
  • Use debit cards for ATM withdrawals to get local currency, but check fees first.
  • For small purchases or in rural areas, always carry some cash as backup.
  1. Avoid Airport Currency Exchange Counters

Airport exchange booths are convenient but notoriously offer poor exchange rates and charge high commissions. This can significantly reduce the value of your money.

Better options:

  • Use ATMs once you reach the city to withdraw local currency.
  • Visit official currency exchange offices in town, which offer better rates.
  • Use prepaid travel cards or services like Wise (formerly TransferWise) that provide competitive rates.
  1. Understand Dynamic Currency Conversion (DCC) and Avoid It

When paying by card, some terminals offer to charge you in your home currency instead of the local currency. This is called Dynamic Currency Conversion.

Why avoid it:
DCC rates are usually inflated with extra fees and unfavorable exchange rates. Always opt to pay in the local currency to get the best value.

  1. Carry Some Cash, But Don’t Overdo It

Cash is still king in many parts of Europe, especially in smaller towns, markets, or for small vendors. Having around €50-€100 in local currency on hand is advisable.

Safety tips:

  • Don’t carry too much cash to reduce risk of loss or theft.
  • Use a money belt or hidden pouch to secure your money.
  • Spread your cash and cards across different bags or pockets.
  1. Be Aware of ATM Fees and Withdrawal Limits

While ATMs are common in Europe, fees can vary depending on your home bank and the ATM operator. Some charge flat fees; others take a percentage of the withdrawal.

How to save:

  • Use ATMs affiliated with your bank’s partner network, if possible.
  • Withdraw larger amounts less frequently to minimize multiple fees.
  • Check daily withdrawal limits with your bank before you travel.
  1. Consider Using a Prepaid Travel Card

Prepaid travel cards let you load money in different currencies before your trip. They can be safer than carrying cash and offer good exchange rates.

Advantages:

  • Protection against theft and loss (cards can be blocked/replaced).
  • Lock in exchange rates ahead of time to avoid fluctuations.
  • Widely accepted and often free or low ATM withdrawal fees.
  1. Use Currency Converter Apps

Having a reliable currency converter app on your phone helps you stay updated on exchange rates and avoid confusion when paying.

Recommended apps:

  • XE Currency
  • Currency Converter Plus
  • Revolut app (also a prepaid travel card)

These apps also work offline once rates are updated, which is helpful if you have limited data.

  1. Understand Tipping Customs and Cash Needs

Tipping practices vary in Europe. In some countries like France and Germany, service charges are often included in the bill, so tipping is optional or small. In others, like the UK or Italy, tipping is customary.

Currency tip:
Always keep some small notes or coins to leave tips, especially in cafes, taxis, or for hotel staff.

  1. Keep Emergency Cash and Have Backup Payment Methods

Unexpected situations like lost cards, malfunctioning ATMs, or limited card acceptance can happen.

Prepare by:

  • Carrying a small amount of emergency cash in a secure place.
  • Having a backup credit or debit card separate from your main one.
  • Knowing how to contact your bank quickly to block cards if needed.

Where to stay in Europe

  1. Major Cities – Hotels and Apartments

If you’re visiting iconic European cities like Paris, Rome, London, or Barcelona, staying in centrally located hotels or vacation apartments is ideal. This gives you easy access to landmarks, restaurants, and nightlife.

  • Recommended areas:
    • Paris: Le Marais, Latin Quarter, near the Eiffel Tower
    • Rome: Trastevere, Centro Storico
    • London: Covent Garden, South Bank
    • Barcelona: Gothic Quarter, Eixample
  1. Budget Travelers – Hostels and Guesthouses

Europe has fantastic hostels offering clean, social, and affordable stays. Great for solo travelers or groups looking to meet others.

  • Top hostel cities: Amsterdam, Berlin, Prague, Budapest
  • Look for private rooms if you want a bit more privacy.
  1. Countryside and Nature – Agriturismos and B&Bs

For a quieter, more authentic experience, stay in countryside inns or bed & breakfasts. Popular in Tuscany (Italy), Provence (France), and the Scottish Highlands.

Things to do in Europe

  1. Explore Iconic Landmarks
  • Visit the Eiffel Tower and Louvre in Paris
  • See the Colosseum and Vatican City in Rome
  • Walk the historic Tower of London and Buckingham Palace
  1. Experience European Museums & Art
  • The Prado Museum in Madrid
  • The British Museum in London
  • The Rijksmuseum in Amsterdam
  1. Take a Scenic Train Ride
  • Glacier Express in Switzerland
  • The Flam Railway in Norway
  • The Bernina Express through the Alps

Day trip from Europe

  1. From Paris
  • Versailles: Tour the opulent Palace of Versailles and its stunning gardens.
  • Giverny: Visit Claude Monet’s house and beautiful gardens that inspired his paintings.
  • Reims: Explore the Champagne region and visit famous champagne houses.
  1. From London
  • Windsor: See Windsor Castle, one of the Queen’s official residences.
  • Oxford: Tour the historic university city and its beautiful colleges.
  • Stonehenge & Bath: (Longer day trip) Visit the ancient stone circle and the Roman baths.
  1. From Rome
  • Tivoli: Explore Villa d’Este’s gardens and fountains plus Hadrian’s Villa ruins.
  • Ostia Antica: See well-preserved ancient Roman ruins near the coast.
  • Orvieto: A charming hill town famous for its cathedral and underground tunnels.

Categorized in:

Blog,

Last Update: May 29, 2025