Travel Money Blog

The ultimate travel money guide to Europe

Published 23rd August 2023, updated 10th April 2026.
Europe-travel-guide

So, you’ve booked your flights and are about to live the ultimate bucket-list dream. We’re incredibly jealous... but even more excited to help you plan the perfect trip. 

Whether you're island hopping in Greece, exploring Germany’s fairytale castles, uncovering the history of the Baltic states, or chasing the Northern Lights in Scandinavia, we’ve got you covered.

Think of us as your go-to Europe travel guide. We’re here to serve as your Europe itinerary planner and your essential Europe budget planner all in one.

Find out everything you need to know about travelling in Europe in this guide. From which foreign currency you’ll need, cash vs card per country, and budget guides for the most popular European destinations!

Sound like what you need? Let’s dive in!

Highway to the Eurozone

Europe has made it pretty easy to bounce from country to country.

Known as the Eurozone, 21 countries in Europe have adopted the Euro – meaning you won’t have to exchange your money into any other currency when travelling in that region!

All you’ll have to do is swap AUD to Euro… for these countries at least:

Austria, Belgium, Croatia, Cyprus, Estonia, Finland, France, Germany, Greece, Ireland, Italy, Latvia, Lithuania, Luxembourg, Malta, the Netherlands, Portugal, Slovakia, Slovenia, Spain, and, newly added to the Eurozone, Bulgaria! 
 

NEW European Currency Map and Starter Kit 3

Travel guides for popular Eurozone destinations

To make planning your Euro trip even easier for you, we’ve popped daily spend info in the drop-down tabs below!

  • TRAVEL MONEY FOR FRANCE

  • TRAVEL MONEY FOR GERMANY

  • TRAVEL MONEY FOR GREECE

  • TRAVEL MONEY FOR IRELAND

  • TRAVEL MONEY FOR ITALY

  • TRAVEL MONEY FOR SPAIN

Ready to put the Euro into EuroSummer?

You can visit us in-store, check out our rates online, and grab a prepaid Currency Pass travel card using the links below!

Popular Western European countries that don't use the Euro

Of course, there’s more to Europe than just the Eurozone, so chances are you’ll need some local foreign currency for the destination you’re visiting!

We’ve got you covered for that, too.

While you can get away with just having the Euro on hand for much of Western Europe, if you’re planning to visit the United Kingdom (UK) or Switzerland during your travels (and often many group tours and cruise itineraries will stop off in these locations!), you’ll also need to take with you some Great British Pounds (GBP) – which are also known as Pound Sterling – as well as Swiss Francs (CHF).

Western European Countries that don

  • TRAVEL MONEY FOR THE UK

  • TRAVEL MONEY FOR SWITZERLAND

A currency guide to Nordic and Scandinavian countries


So, you’ve booked a trip to Northern Europe – chasing the Aurora Borealis or going sledding in Finland, maybe visiting Iceland’s Diamond Beach and Blue Lagoon, or perhaps hiking Norway’s famous Trolltunga viewpoint.

It will be the trip of a lifetime.

And lucky for you, we have the currencies you need for your incredible adventure.

For Northern Europe, you’ll most likely need local foreign currency – Norwegian Krone (NOK) for Norway, Icelandic Króna (ISK) for Iceland, Danish Krone (DKK) for both Denmark and Greenland, and the Swedish Krona (SEK) for Sweden. 

The exception? Finland! Because Finland uses the Euro (EUR).

If you are travelling to Finland, read our Finnish Travel Itinerary and Travel Budget.

Northern Europe Travel Money Infographic Denmark Norway Iceland Greenland

  • TRAVEL MONEY FOR NORWAY

  • TRAVEL MONEY FOR ICELAND

  • TRAVEL MONEY FOR DENMARK AND GREENLAND

  • TRAVEL MONEY FOR SWEDEN

A currency guide to Eastern European countries


Ticking off Eastern Europe, too? Lucky duck! From walking across the historic Charles Bridge in Prague, exploring the haunting history of Auschwitz in Poland, soaking in Budapest’s thermal baths, or marveling at the Blue Mosque and bustling bazaars of Istanbul.

For Eastern Europe, you’ll most likely need local foreign currency – Czech Koruna (CZK) for the Czech Republic, Polish Zloty (PLN) for Poland, Hungarian Forint (HUF) for Hungary, and the Turkish Lira (TRY) for Türkiye.

The exception? Well, if your journey takes you through neighboring Slovakia, Slovenia, or Austria, you'll need the Euro (EUR)! While many of these countries are in the EU, they’ve held onto their unique local currencies, so it's best to be prepared before you head off.

If you are travelling to these regions, read our Czechia, Poland, Hungary, and Türkiye travel guides below. 

Eastern Europe Travel Money Infographic Turkey, Hungary, Poland, Czech Republic

  • TRAVEL MONEY FOR THE CZECH REPUBLIC

  • TRAVEL MONEY FOR HUNGARY

  • TRAVEL MONEY FOR POLAND

  • TRAVEL MONEY FOR TURKIYE

Travel Money Advice and FAQs

Okay, say you’ve figured out where in Europe you’re heading.

You’ve booked your flights and accommodation, got your visas and vaccines. All that's left to do is to grab some holiday spending money - after all, those delicious pizzas in Napoli aren’t gonna pay for themselves.

But maybe you're a bit nervous or unsure about how the process works, whether you should use cash or a card, and how to use it overseas.

That’s where travel money comes in.

We've answered some of our most frequently asked questions about holiday spending money in this guide to make sure you're feeling comfortable and confident on your European adventure.

Use our free travel budget calculator tool!

To help with the process (and of course, this is just a guide!) we’ve got a pretty nifty Holiday Budget Planner.

This travel budget calculator takes into account your travel type (are you backpacking Eastern Europe on a shoestring or looking for a luxurious escape on the French Riviera?), your specific destinations, and even how many coffees you plan to drink on holiday (and where better to drink coffee than in Europe!), to help make a more tailored guesstimation of how much money you should take to Europe.

How to use it:

Punch in your deets. It’s really that simple!

Our very clever robots combine crowd-sourced Numbeo data* from around the world and combine it with our exchange rates!

It’s the only one of its kind (that we know of), so we’re pretty proud of it.

So let the magic budget planner do the majority of the thinking for you, to create a base of what you’ll be spending overseas.

After that, you just have to figure out the more personal stuff – tipping, specific tours, etc. And that's what you've read this blog for, right?

Your travel money for Europe is sorted

That wraps up all the most important info (that we can think of at least!) that you’ll need to manage your money from the Mediterranean to Scandinavia!

All that’s left to do is come see us at your local Travel Money Oz store or order your foreign cash online with same-day delivery or store pick up. 

Bon Voyage!

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Dreamy lunar white cliffs of Scala Dei Turchi, Sicily, Italy

DISCLAIMER

This blog is provided for information only and does not take into consideration your objectives, financial situation or needs.  Travel Money Oz has sought to ensure that the information is true and correct at the time of publication (First Published June 2023, updated in August 2023 and April 2026). Prices, details and services are subject to change without notice, and Travel Money Oz accepts no responsibility or liability for any such changes, including any loss resulting from any action taken or reliance made by you on any information provided. You should consider whether the information and suggestions contained in any blog entry are appropriate for you, having regard to your own objectives, financial situation and needs.  While we take reasonable care in providing the blog, we give no warranties or representations that it is complete or accurate, or is appropriate for you.  We are not liable for any loss caused, whether due to negligence or otherwise, arising from use of, or reliance on, the information and/or suggestions contained in this blog. Daily Cost: All prices are approximations. Your costs may differ depending on where you go, where you shop, and their individual factors. Daily Budget: Costs are estimated per person and do not include accommodation. 

About the Author

Traveller and content creator Gemma Edwards leans against a whitewashed Greek villa, overlooking a vividly azure Mediterranean ocean. In the foreground is a baby olive tree. Photo taken in Fira, Santorini, Greece

Gemma Edwards

Gemma is always chasing her next sundrenched adventure - from cliff diving in the Greek Isles, sandboarding in the Sahara desert, to going on a 50+ temple pilgrimage in Japan (and

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