Currency Tips for Traveling in Ireland: How to Handle Cash and Cards
Updated: Sep 29
When you travel to Ireland, it’s important to remember that the currency used is the Euro (€). While many places accept credit and debit cards, having some cash on hand is always a good idea, especially for smaller purchases or when you're in more rural areas. Here's everything you need to know about handling money while in Ireland: These currency tips will help you handle cash and cards with confidence.
Currency Tips: Getting Euros Before You Go
You can get euros before your trip from various exchange services in the U.S. However, these exchanges usually require advance notice, unlike regular banks where you can just walk in. Many banks and exchange services offer currency exchange, but you'll need to plan ahead and ensure they have the euros available before you arrive.
Alternatively, you can use apps and websites to order your currency ahead of time. If you prefer to exchange currency before you leave, make sure to take the time to check rates and fees.
While I initially thought getting euros in advance would be the best option, I actually ended up relieved that I didn't. Carrying a large amount of foreign currency around, especially through airports, just didn’t feel secure to me. I didn’t want the stress of potentially being a target for pickpockets or losing all my money at once.
On Arrival: ATMs and Currency Exchange Kiosks
Upon landing in Dublin, I found that using an ATM was a quick and easy way to get euros without the hassle of carrying a lot of cash. Most ATMs offer great exchange rates, but be mindful of any ATM fees that your bank might charge. Be sure to check with your bank ahead of time to understand any fees associated with international withdrawals.
If you do prefer to bring cash and exchange it, there are currency exchange kiosks at the Dublin Airport, conveniently located near the baggage claim area. While these are easy to access, they may not offer the best exchange rates, so consider your options carefully.
What You Need to Know About Cash and Cards in Ireland
While credit and debit cards are widely accepted in Ireland, having some cash is still essential for certain situations:
Tipping: While tipping is not mandatory, it’s common to leave a small tip for drivers, tour guides, or service staff. Cash is often preferred for tips, especially for drivers.
Small Purchases: Some small shops, especially in rural areas, may only accept cash. It's a good idea to have a few euros on hand for these types of situations.
Street Vendors and Markets: Many vendors at local markets or on the streets prefer cash payments, so it’s helpful to carry smaller amounts for convenience.
ATMs vs. Airport Exchange: Which is Better?
ATMs typically provide the best exchange rates, so if you need euros, this is usually your most cost-effective option. However, do check for any ATM fees from your home bank or the bank operating the ATM.
Currency Exchange at the Airport is a convenient option, especially for a quick exchange when you arrive, but it often comes with higher fees and less favorable rates compared to ATMs.
I recommend bringing a mix of cash and cards. Use cash for tips, small purchases, and situations where cards aren’t accepted. For larger purchases or when possible, use your credit or debit card for better security and convenience.
Pro Tip: Choosing Euros on Your Card
When paying with your credit or debit card in Ireland, you may be asked whether you want to be charged in euros or USD. Always choose euros this will save you money and help avoid unnecessary foreign transaction fees that often come with selecting USD.
Final Thoughts
Managing money in Ireland doesn’t need to be complicated, but it’s important to plan ahead. Carry a small amount of cash for emergencies and tips, use your card for bigger purchases, and take advantage of ATMs to get the best rates on euros. By understanding how and when to use cash versus cards, you can avoid unnecessary fees and make your trip smoother and more enjoyable.
Explore More. Where to Look for Travel Ideas
Now that you’ve got your currency and travel tips sorted, it’s time to take action and create your own adventure! Here are a few ideas to get you out of your comfort zone and exploring right where you are:
Take a walking tour of your city: You don’t need to be in Ireland to explore like a traveler. Take a walk through a local neighborhood you’ve never explored. Look for hidden gems, discover street art, or visit a new café you've never noticed before.
Visit your local farmers’ market: Just like the local shops in Ireland, farmers' markets are perfect for getting a feel for the local culture. Try some fresh produce, chat with local artisans, and experience the charm of community-based commerce.
Hop on a local bus or train and go somewhere new: Just like a hop-on, hop-off tour in a new city, take a bus or train to a destination you've never been to. Who knows what small town, historic site, or scenic view is waiting for you?
Explore a nearby park or nature reserve: Sometimes, the best adventures are the ones closest to home. Find a local nature trail, pack a snack, and go for a hike. It’s a great way to connect with the outdoors and get inspired for your next trip.
Find a local historical site or museum: Whether you’re at home or traveling, history is everywhere. Take a trip to a local museum, castle, or historic landmark to learn more about the stories that shaped your area.
Join a local meet-up or group activity: Check out local events or group activities in your area. Join a photography walk, a cooking class, or a community event. It’s a great way to connect with new people and spark fresh ideas for your next adventure.
Remember, adventure doesn’t always mean a plane ticket to a distant destination. The world is full of experiences, and some of the best ones are right in your own backyard. Get out there, explore, and make every day an adventure.
Where to Go From Here
Travel can change how you see the world and yourself, and it is better shared. At Surviving Life Lessons, we believe in life survivors helping life strugglers. Our Life Skills & Resilience Support Group is a place to build strength for hard seasons, and our Personal Growth and Healing group is a place to grow with others on the same path. You can also browse our Community Groups Catalog to find every group that fits where you are right now.
To keep going, read Traveling with Disabilities To Ireland: A Comprehensive Guide for a Smooth Adventure or Ultimate Ireland Packing Checklist: What to Bring and Why, Before you go to Ireland.
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About the Author:
Deborah Ann Martin is the founder of Surviving Life Lessons, a published author, poet, speaker, and trainer with over 20 years of management experience across multiple industries. An MBA graduate, U.S. veteran, single mother, and rare cancer survivor, Deborah brings both professional expertise and lived experience to her writing on resilience, leadership, personal growth, and overcoming adversity. Her mission is to empower others with practical wisdom and real-life insight to navigate life’s challenges with strength and purpose.
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