“Should I get euros from my bank before I go?”
I hear this question all the time—and my answer is always the same: no.
If you’re traveling to Italy (or anywhere else in Europe), the smartest and most cost-effective way to get euro is to use an ATM once you arrive.
Here’s exactly how to do it—and what to avoid.
The Best Way to Get Euro in Italy
Use your debit card at an ATM in Europe.
Why?
- Using a debit card at an ATM in Europe is usually more cost effective than exchanging cash at home.
- ATMs usually offer better exchange rates than banks or currency exchange counters, since you get the current daily exchange rate, not a padded “convenience” rate.
- Ordering foreign currency from your bank at home often includes extra fees for convenience and might have less advantageous exchange rates.
What to Look for When Using an ATM in Italy
- A debit card with no foreign transaction fees. Many credit unions and banks offer this.
- Avoid high-fee ATMs. I find many ATMs in Italy that have no fees. Depending how much you travel, you might want to open a Charles Schwab bank account. They refund ATM fees worldwide. I never worry about how high the fee is, whether I’m in Italy, on a cruise, or a Caribbean island.
- Always decline dynamic currency conversion (foreign currency conversion fee). If the ATM asks whether you want to be charged in USD or euro, choose euro (or whatever the local currency is). This applies to credit cards too. The machine will make it seem like it’s doing you a favor by putting it in your currency, but it is not. Paying in USD almost always means higher fees!
- Language tip:If you want the ATM screen in English, look for a British or American flag option.
ATM Safety Tips in Italy
- Shield your PIN number when typing.
- Use ATMs inside or attached to banks, preferably during banking hours. Try to avoid standalone machines in tourist areas.
- Check the card slot for skimming devices (or use tap if available).
- Never accept help from strangers. If someone approaches you, cancel the transaction and walk away.
- If someone is hovering behind you, leave and find another ATM.
What NOT to Do
Do not bring a bunch of US currency expecting to exchange it once you get to Europe. Do not use currency exchange counters—at home or in Europe.
They:
- Offer terrible exchange rates.
- Charge multiple hidden fees.
- Leave you with far less money than your dollars are worth (it honestly seems like legal robbery).
There’s also no reason to travel with large amounts of U.S. cash. You’ll lose money converting it.
Will I Need Euro? If so, How Much Cash Should I Take Out?
Assume you will need cash. People who are reliant on cards might make costly mistakes. Yes, cards are usually accepted all over Italy, but you will find better prices if you use cash. Plus, you might find that some vendors card readers are “broken” when you try to swipe your card for a small purchase. You’ll mainly need euros for small purchases—street food stands, drinks, snacks, public toilets, some transportation, souvenir stands, and tips. Everyone spends differently, so think about how much cash you’d use at home in a typical week and adjust from there. If you have leftover euros at the end of your trip:
- Do not exchange them back (same bad rates).
- Use them toward a meal, nice souvenir, or part of your hotel bill.
Final Takeaway
Leave the USD at home and don’t get pre-order euro before you go. Use ATMs wisely once you arrive—and keep more of your travel budget for experiences instead of fees.
Happy travels!
Related Blogs:
How Much Euro Should I Bring to Italy?
Euro to Dollar Conversion–How to Convert Dollars to Euro
Amy French, Ph.D., is the voice behind Roaming Historian. A professional historian and seasoned traveler, she shares stories that blend history and travel to give readers a deeper understanding of the places they explore.
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