How much cash should I carry to Germany?

Cash sums totalling 10,000 or more euros on trips to and from Germany must be declared to the customs authorities. This applies to both cash and equivalent means of payment.



While Germany is rapidly modernizing its payment systems in 2026, it remains more cash-dependent than many of its European neighbors. A good rule of thumb is to carry approximately €50 to €100 per person per day in physical cash. While major hotels, department stores, and upscale restaurants in cities like Berlin and Munich widely accept credit cards and Apple Pay, smaller Biergartens, independent cafes, and local bakeries often maintain a "Barzahlung" (cash only) policy. Additionally, some smaller merchants may only accept Girocards (German debit cards) and reject international Visa or Mastercard options. Carrying cash is also essential for paying for public restroom access (usually €0.50 to €1.00), utilizing older coin-operated parking meters, or purchasing small items at traditional weekly markets. Always carry smaller denominations like €5, €10, and €20, as many small shops may struggle to provide change for a €50 or €100 note for a small purchase.

That’s an excellent question, and the answer depends heavily on your spending habits and travel style. Germany is a modern economy with excellent digital payment infrastructure, but it also has a strong culture of using cash, especially for smaller transactions.

Here’s a breakdown to help you decide, followed by a recommended strategy.

The “Cash is King” Reality in Germany

  • Small Businesses & Cafes: Many bakeries (Bäckerei), cafes, street food stands (like Currywurst), markets, and small family-owned shops often have a minimum card payment (e.g., €5-10) or accept cash only.
  • Privacy: Germans value financial privacy, and cash is seen as a way to maintain it.
  • Speed & Convenience: For small, quick purchases, cash is often faster.

The Rise of Digital Payments

  • Card Acceptance: Debit cards (especially German Girocard) are ubiquitous. Credit cards (Visa/MasterCard) are widely accepted in hotels, larger restaurants, chain stores, and supermarkets. American Express is less common.
  • Contactless & Mobile Pay: Contactless payments and mobile wallets (Apple Pay, Google Pay) are very common in cities.
  • Public Transport: Ticket machines often accept cards, but having coins can be helpful for older machines or bus drivers.

Recommended Strategy: The Hybrid Approach

This is the most practical and stress-free method for most travelers.

1. Arrive with a Small Amount of Cash (€100-€200 in Euros) Purpose: To cover immediate expenses upon arrival—taxi/bus, a meal, drinks, or a snack before you can find an ATM. How to get it: Exchange a small amount in your home country or, better yet, withdraw from an airport ATM in Germany (see tips below).

2. Withdraw Cash as Needed from

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