Is Italy cashless?
Mostly cashless#49 of 197 in The Cashlessy Index 2026 · #30 of 45 in Europe
Short answer: Cards work in most places, but carry a few euros for coffee bars and markets. Withdraw at post office or bank ATMs, not Euronet.
Shops must accept cards by law and contactless is common, but cash is still preferred at small bars, markets and in the south.
Will my card work?
Mostly. Visa and Mastercard are widely accepted in Italy, though some small businesses are cash only.
Do I need cash?
A little. Cards cover most spending in Italy, but carry some cash for small places.
Local currency: Euro (EUR)
How does tipping work?
Not expected; a coperto (cover charge) is usually on the bill. Rounding up is appreciated.
Mobile payments
Local apps often need a local bank account or phone number.
Getting cash: ATMs
Some ATMs are fee-free
Many bank ATMs charge foreign cards about €3-5, especially in tourist areas. Many machines cap withdrawals at €250.
Fee-free options
- Poste Italiane (post office) ATMs, reported free
- BNL, free for Global ATM Alliance cards
Avoid
- Euronet (about €2-5 plus pushy 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.
Good to know
- Carry coins for espresso at the bar and for church lights.
Frequently asked questions
Is Italy cashless?
Italy scores 72/100 on Cashlessy (mostly cashless), ranking #49 of 197 countries. Shops must accept cards by law and contactless is common, but cash is still preferred at small bars, markets and in the south.
Do I need cash in Italy?
A little. Cards cover most spending in Italy, but carry some cash for small places.
Are credit cards accepted in Italy?
Mostly. Visa and Mastercard are widely accepted in Italy, though some small businesses are cash only.
Do you tip in Italy?
Not expected; a coperto (cover charge) is usually on the bill. Rounding up is appreciated.
Can I use Apple Pay or Google Pay in Italy?
Yes. Phone wallets work at most terminals that accept contactless cards in Italy.
Which ATMs are free in Italy?
Many bank ATMs charge foreign cards about €3-5, especially in tourist areas. Many machines cap withdrawals at €250. Best options: Poste Italiane (post office) ATMs, reported free; BNL, free for Global ATM Alliance cards. Avoid: Euronet (about €2-5 plus pushy currency conversion).
Compare with Europe
Sources
Checked against sources in September 2026. Payment habits change quickly; see how we score.