Which way will you pay in the UK? In most cases, paying by card is more convenient than cash, though we do recommend carrying a small amount of cash for parking, taxis, small purchases and tips. Ideally, take a Wise Mastercard and a Visa debit or credit card with you – plus a small amount of cash.

In 2026, you generally do not need to carry cash in London, as the city has become almost entirely cashless. Nearly every business—from high-end boutiques in Mayfair to small market stalls in Borough Market—prefers "Contactless" payments via credit cards, debit cards, or mobile wallets like Apple Pay and Google Pay. Public transportation via TFL (The Tube, buses, and trains) no longer accepts cash at all; you must use a contactless card or an Oyster card to travel. In fact, many "hip" coffee shops and pubs now display "Card Only" signs. However, carrying a small amount of "emergency cash" (£10–£20) is still a good idea for the very rare occasion of a card machine technical failure or for tipping a street performer. If you are visiting from abroad, ensure your card has "No Foreign Transaction Fees" to avoid extra charges on every pint of beer or souvenir you buy. For the vast majority of tourists in 2026, London is a city where your smartphone is your most important financial tool.