Travel · Europe
🇮🇹Italy
Cash still rules in Italy — bring enough Euros and use a zero-forex card for ATMs.
Italy uses the Euro but has a significantly higher cash dependency than northern Europe. Many trattorias, bars, artisan shops, and museums prefer or require cash. Zero-forex debit cards remain the right tool for ATM withdrawals and the card payments that are accepted.
Best cards for Italy
ATM guide
ATMs (called Bancomats) are common in cities. Intesa Sanpaolo, UniCredit, and Monte dei Paschi accept foreign cards. Some charge €2–3 for foreign withdrawals. Euronet ATMs are widespread in tourist areas — avoid them. Always decline DCC.
Card acceptance
Variable. Major chains, supermarkets, and larger restaurants are card-friendly. Trattorias, bars, tabacchi, and smaller shops often prefer cash. Rome, Milan, and Florence are better for cards; Naples and smaller towns are more cash-reliant.
Money tips for Italy
Withdraw from Intesa Sanpaolo or UniCredit ATMs — they accept foreign cards and have clear fee disclosures.
Always carry €50–100 in cash for restaurants and smaller establishments.
Bars in Italy: coffee standing at the counter is cash-only at most places.
Museum tickets and Vatican City: book online in advance; on-site cash queues can be 2+ hours.
Tabacchi (tobacconists) sell bus tickets, stamps, and other essentials — usually cash-only.
Cards and options to avoid
Euronet ATMs — DCC traps
Frequently asked questions
Cash in Italy
Italy has a cultural preference for cash. Many restaurants only accept cash. Budget €100–200 per week minimum.
Local currency
Wise Card
Mid-market rate with transparent fees — one of the lowest true costs for spending abroad.