Navigating the Euro

May 28

Written By Kairym .

💶 Money & Safety

How to handle your finances, manage tips, and keep your money secure.

While credit cards are widely used, having "landing money" is essential for peace of mind.

Order from your Bank: Most major U.S. banks (Chase, BofA, etc.) allow you to order Euros via their app or at a branch.
Lead Time: Do this at least one week before departure.
Amount: We recommend having €50–€100 per person in cash upon arrival for small immediate needs (water, snacks, or small transport).

Unlike the U.S., many parts of Europe remain very cash-based, especially for small purchases.

The "Coin" Rule: In Europe, coins are valuable! They come in denominations of €1 and €2. These add up quickly.
Wallet Choice: Carry a wallet that has a secure zippered coin pouch. Do not just throw them in your pocket—they are easy to lose and are a major part of your spending power.
Small Bills: Try to keep smaller bills (€5, €10, €20). Many small shops or cafes may struggle to give change for a €50 note.

Tipping in Europe is a gesture of appreciation, not a mandatory percentage of the bill.

The "Round Up" Method: In restaurants, coffee shops, or bars, it is sufficient to simply round up to the nearest Euro. (e.g., If the coffee is €2.80, leave €3.00).
Group Events: Your Chaperone will handle the tipping for tour guides, bus drivers, and organized group dinners. You do not need to worry about these!

When it comes to plastic, not all cards are treated equal in European machines.

The Right Seal: Ensure your ATM/Debit card has a Visa, Mastercard, or Amex logo on the front. If it doesn’t, European ATMs likely will not recognize or accept the card.
Credit vs. Debit:

For Purchases: Always use a Credit Card. It offers better fraud protection and better exchange rates.
For Cash: Only use your Debit Card at an ATM to withdraw cash.

The "Local Currency" Trick: If a card machine asks if you want to pay in "USD" or "Euros," always choose Euros. Choosing USD allows the local bank to set a poor exchange rate; choosing Euros lets your home bank do the conversion (which is almost always cheaper).

The "One Card" Rule: Never carry all your credit/debit cards in your wallet at once. Keep your primary card in your money belt/wallet and a backup card locked in your suitcase at the hotel.
ATMs: Only use ATMs located inside or attached to a bank. Avoid the standalone "Euronet" kiosks found on street corners, as they charge extremely high fees.
Notify Your Bank: Before you fly, use your bank's mobile app to set a Travel Notice so they don't flag your European purchases as suspicious and freeze your account.