Is Portugal cashless?
Mostly cashless#35 of 197 in The Cashlessy Index 2026 · #21 of 45 in Europe
Short answer: Cards work in most places. For cash, use any ATM with the Multibanco (MB) logo, which charges no fee.
Contactless is common, but some cafes and tascas only accept the local Multibanco network, so carry a little cash.
Will my card work?
Mostly. Visa and Mastercard are widely accepted in Portugal, though some small businesses are cash only.
Do I need cash?
A little. Cards cover most spending in Portugal, but carry some cash for small places.
Local currency: Euro (EUR)
How does tipping work?
Not expected. 5-10% for good service in restaurants.
Mobile payments
Local apps often need a local bank account or phone number.
Getting cash: ATMs
Fee-free ATMs are easy to find
The Multibanco network (over 12,000 machines) adds no fee for foreign cards. Euronet and similar machines charge about €2-5.
Fee-free options
- Any ATM with the blue-and-red Multibanco (MB) logo
Avoid
- Euronet
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 Portugal cashless?
Portugal scores 80/100 on Cashlessy (mostly cashless), ranking #35 of 197 countries. Contactless is common, but some cafes and tascas only accept the local Multibanco network, so carry a little cash.
Do I need cash in Portugal?
A little. Cards cover most spending in Portugal, but carry some cash for small places.
Are credit cards accepted in Portugal?
Mostly. Visa and Mastercard are widely accepted in Portugal, though some small businesses are cash only.
Do you tip in Portugal?
Not expected. 5-10% for good service in restaurants.
Can I use Apple Pay or Google Pay in Portugal?
Yes. Phone wallets work at most terminals that accept contactless cards in Portugal.
Which ATMs are free in Portugal?
The Multibanco network (over 12,000 machines) adds no fee for foreign cards. Euronet and similar machines charge about €2-5. Best options: Any ATM with the blue-and-red Multibanco (MB) logo. Avoid: Euronet.
Compare with Europe
Sources
Checked against sources in September 2026. Payment habits change quickly; see how we score.