Is Greece cashless?
Mostly cashless#53 of 197 in The Cashlessy Index 2026 · #33 of 45 in Europe
Short answer: Carry some euros for tavernas, kiosks and islands. Greek bank ATMs have been free to use since August 2025.
Businesses must accept cards and most do, but on smaller islands and at beach bars, kiosks and family tavernas you will still want some cash.
Will my card work?
Mostly. Visa and Mastercard are widely accepted in Greece, though some small businesses are cash only.
Do I need cash?
A little. Cards cover most spending in Greece, but carry some cash for small places.
Local currency: Euro (EUR)
How does tipping work?
5-10% in restaurants, usually left in cash on the table.
Mobile payments
Local apps often need a local bank account or phone number.
Getting cash: ATMs
Fee-free ATMs are easy to find
Since 11 August 2025, Greek law bans withdrawal fees at Greek bank ATMs and caps other operators at €1.50.
Fee-free options
- National Bank of Greece
- Alpha Bank
- Eurobank
- Piraeus Bank
Avoid
- Euronet and other standalone machines (they push poor-rate currency conversion)
Your own bank may charge extra. When an ATM offers to convert to your home currency, decline and pay in the local currency.
Frequently asked questions
Is Greece cashless?
Greece scores 70/100 on Cashlessy (mostly cashless), ranking #53 of 197 countries. Businesses must accept cards and most do, but on smaller islands and at beach bars, kiosks and family tavernas you will still want some cash.
Do I need cash in Greece?
A little. Cards cover most spending in Greece, but carry some cash for small places.
Are credit cards accepted in Greece?
Mostly. Visa and Mastercard are widely accepted in Greece, though some small businesses are cash only.
Do you tip in Greece?
5-10% in restaurants, usually left in cash on the table.
Can I use Apple Pay or Google Pay in Greece?
Yes. Phone wallets work at most terminals that accept contactless cards in Greece.
Which ATMs are free in Greece?
Since 11 August 2025, Greek law bans withdrawal fees at Greek bank ATMs and caps other operators at €1.50. Best options: National Bank of Greece; Alpha Bank; Eurobank; Piraeus Bank. Avoid: Euronet and other standalone machines (they push poor-rate currency conversion).
Compare with Europe
Sources
Checked against sources in September 2026. Payment habits change quickly; see how we score.