Money & Payments in Europe
Cash or Card?
Of course, choosing the way of payment is always up to you, but we would like to provide you with more useful information to make your journey easy and worry-free. Regarding credit cards, you should know that they are not accepted by all European establishments. Moreover, using a credit card you may come across foreign transactions fees which can significantly increase your expenses. However, you are unlikely to have a glitch paying by debit cards which are more widespread on the territory of Europe. Thus, Visa and MasterCard can become your trustworthy assistants during the trip. As for cash, having some with you is definitely a wise decision as they can really save the situation sometimes. But you should bear in mind that, despite the majority of European countries have joined the eurozone, such countries as Norway, Sweden, Denmark, Russia, and a few others have their own currencies.
ATMs
It's quite easy to find an ATM in European cities (big or small) plus most of them have the option to choose the English language. Note, though, that in both cases (when paying with your debit card and withdrawing local currency from ATMs), conversion fees may apply, especially if your card is issued in a currency different from the local one, therefore, check with your bank regarding such policies before you go.
Tipping
In most cases, giving a tip when you're satisfied with the quality of services is voluntary in Europe. Generally, a 10% tip is considered as a nice gesture and fair amount. Keep in mind, sometimes in some restaurants, for example, the tip may be already included in your check, thus, read carefully.