In Switzerland, the official currency is the Swiss Franc (CHF), not the Euro. While many shops, hotels, and train stations in major tourist areas like Zurich, Lucerne, or Interlaken will accept Euros, they will often give you a very poor exchange rate and return your change in Swiss Francs. Therefore, it is always better to pay in CHF. Switzerland is a highly advanced digital economy, and contactless credit/debit cards (Visa and Mastercard) are accepted almost everywhere, including at mountain cable cars, small bakeries, and ticket kiosks. Mobile payment options like Apple Pay and Google Pay are also ubiquitous. However, it is still wise to carry a small amount of cash for very remote mountain huts or coin-operated lockers. Another popular local method is TWINT, a Swiss mobile payment app, though this typically requires a Swiss phone number and bank account, making it less useful for short-term tourists. If you are using a card, always choose to be charged in the local currency (CHF) rather than your home currency to avoid the expensive "Dynamic Currency Conversion" fees added by the merchant's bank.