💳 Cards or Cash in Greece: What’s Best?
When traveling in Greece, the question “card or cash?” matters more than you think. Here’s a full guide on when to use your card, what ATM fees to expect, how to avoid DCC traps, and when cash is still king. For more practical insights, see the Travel Tips Hub.
🏧 ATMs, DCC & Currency Conversion
Using a foreign card at Greek ATMs usually costs €2–4 per withdrawal. The trickiest part? Dynamic Currency Conversion (DCC). Always choose to be charged in euros, otherwise, your bank may apply an expensive exchange rate.
Tip: withdraw a slightly larger amount once rather than small daily withdrawals. It reduces repeated fees.
💳 Card Payments (POS)
Cards are widely accepted in Greece, even at small cafés and beach bars. Still, some remote islands may have unstable connections or “POS not working” moments. Having a little cash is your backup plan.
Always check if your card adds foreign transaction fees. Some travel cards like Wise or Revolut offer better exchange rates than classic banks.
💶 When You Still Need Cash
You’ll still need euros in small family tavernas, local markets, taxis without POS, and for tipping. Keep €20–50 handy, especially if you travel between islands where ATMs can run dry in high season.
Consider an RFID travel wallet for extra security, or try a compact credit card holder that keeps everything organized. For coins and small bills, a mini coin pouch works perfectly.
🧾 Summary: Cards vs Cash in Greece
- Use cards for most purchases — they’re safe and convenient.
- Withdraw in euros, avoid DCC, and skip small daily ATM fees.
- Keep €20–50 in cash for tips, taxis, or card-free places.
- Stay organized with an RFID wallet or mini coin purse.
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