No match. See all guides.
Money in Austria, sorted.
A calm, current plan for the money side of your trip: why you should carry a bit more cash than elsewhere in Europe, how modest the tipping is, and the small nightly tourist tax added at your hotel.
The three things people ask
Will my card work? Do I need cash? Are ATMs easy?
The quick read for a first trip.
Your card
Fine in most places
Visa and Mastercard are accepted in most shops, restaurants and on transit, and contactless, Apple Pay and Google Pay are widely supported. Amex is patchier. The gaps are small and traditional: some cafes, bakeries, huts and wine taverns still want cash or set a card minimum.
Check yours →Cash
Carry more than usual
Austria uses cash more than most of Western Europe. Keep 60 to 100 euros for cafes, bakeries, small shops, markets, mountain huts and Heuriger wine taverns, where cards may not be welcome. Euro coins go up to 2 euros and add up, so spend them rather than hoarding them.
How much to bring →ATMs
Use a bank Bankomat
Bank ATMs (Erste and Sparkasse, Bank Austria, Raiffeisen) are widespread and reliable. Avoid the blue Euronet machines in tourist areas, which offer poor rates and push fees and conversions. Read the screen, decline "convert to US dollars," and take enough at once.
See ATMs in Austria →(opens in a new tab)Cash or card
Cards work, but keep real cash on you here.
A rough feel for everyday spending. Cards and contactless are fine in most places, but Austria is more of a cash country than its neighbors, so a fair share of cafes, bakeries, market stalls, mountain huts and traditional wine taverns (Heuriger) prefer cash or ask for a minimum card spend. Carry enough notes that a card-only wallet never leaves you stuck.
See what the trip really costs →Your money plan
Four steps and you're set.
Before you go
- Bring a no-foreign-fee Visa or Mastercard with contactless, plus a backup card from a different bank.
- Get a no-foreign-fee debit card for cash. Charles Schwab refunds ATM fees worldwide; Wise and Revolut are low-fee.
- Austria is in the EU, so an EU eSIM or an EU roaming plan works normally. Check whether your US plan already includes Europe.
At the airport
- Skip the airport exchange counters, the rates are poor.
- Pull euros from a bank Bankomat (Erste, Bank Austria, Raiffeisen), not a blue Euronet machine, and decline "convert to US dollars."
- Take a sensible amount at once, since you will lean on cash a little more here than elsewhere.
Day to day
- Card or phone for larger shops, restaurants, museums and transit.
- Keep cash handy for cafes, bakeries, markets, huts and wine taverns, which may be cash-only or set a card minimum.
- Prices already include VAT, so the tag or menu price is what you pay.
- Always choose euros, never US dollars, on every card terminal and ATM screen.
A golden rule
- Always pay in euros, not dollars. Choosing your home currency (dynamic currency conversion) quietly adds 3 to 8%.
- Do not go fully cashless. A card-only wallet will occasionally leave you stuck at a bakery counter or a mountain hut, so keep notes on you.
Staying connected
Will my phone work here? And what will it cost?
Very good across the country and strong in the cities and along the valleys, with only the highest and most remote alpine areas thinning out. The main networks are A1, Magenta and Drei, all with wide 4G and growing 5G. Because Austria is in the EU, an EU eSIM or an EU SIM with "roam like at home" works normally here, and many US plans include European roaming, so check yours first; an eSIM (Airalo, Nomad, Ubigi) is a cheap backup. You do not need mobile data to pay for anything; cards and contactless stand on their own. The cost is where people get caught out, and on most US plans it lands in one of two buckets.
Your plan may already include it
Often, do nothing
Some US plans include slow data abroad at no extra cost. If that is you, the honest move is to leave it alone.
we earn nothing
Or it charges quietly, after the fact
The bill lands later
On pay-per-use plans the cost runs in the background while you travel, and the charge can show up weeks after you are home. Forgetting to switch off data roaming is the classic one. For a week or more, an eSIM is usually cheaper and keeps you in control.
Check what your own carrier charges before the trip, not after.
If an eSIM is the cheaper call, Nomad covers Austria.
Get your Nomad eSIM for Austria→(opens in a new tab)we may earn a commissionMedical cover
The one cost with no price tag.
Every other number on this page has a price you can look up. This one does not, and it can be the largest of them all. Most US health plans cover little or nothing once you leave the country, and Medicare covers essentially none of it abroad. A serious illness or injury is paid up front, and a medical evacuation runs from tens of thousands of dollars to past $100,000 if you are remote or an ocean from home.
First, you may not need to buy anything.
A cheap, refundable trip close to home does not need this. And if you are healthy, headed somewhere with good care, and one of the premium cards on the shortlist above already includes emergency medical and evacuation, you may be covered already. Check your card's benefits guide before you buy. Saying that costs us the commission, and it is still the right call.
How much cover matters here
Here, good hospitals are easy to reach and the care is high quality, so for a healthy traveler this leans more toward your call than a must.
If you do want cover, this is what it is for: the evacuation and the up-front hospital bill, the part no card limit is meant to absorb.
Enough for most trips
Faye, or a comparable whole-trip policy
Bundles trip protection with emergency medical, which is enough cover for most travelers on a typical trip.
The deeper end
A dedicated travel-medical plan built for serious care and evacuation abroad
Stronger on medical care and evacuation, for a remote or higher-risk trip where that is the real exposure.
If it happens
Call it first, then call your insurer's 24/7 assistance line, which is what confirms payment and arranges an evacuation. 112 reaches every emergency service, and 144 goes straight to an ambulance.
TrueTripCosts explains the gap and points to options. It does not set your coverage amounts or act as your insurance advisor, and every policy carries its own exclusions, so read them before you buy. Emergency number checked Jul 2026. Confirm the current number before you travel, as local lines can change.
Currency basics
The euro in Austria, in plain terms.
Quick conversion
Austria uses the euro. At about 0.88 euros to 1 US dollar in mid-2026, a euro is worth roughly $1.14. So 10 euros is about $11.40, 50 euros about $57, and 100 euros about $114. To go the other way, a US figure buys a little under that many euros.
Notes and coins
Euro notes run from 5 to 200 euros (the 500 is being retired). Coins go from 1 cent up to 1 and 2 euros. Those 1 and 2 euro coins are real money, so use them for cafes, tips and ticket machines rather than letting them pile up.
Cash is still common here
This is the Austria surprise: unlike much of Western Europe, plenty of cafes, bakeries, market stalls, mountain huts and traditional wine taverns still prefer cash or set a minimum for card payment. Carry notes so a card-only wallet never leaves you stuck.
Tax is already in the price
Austrian VAT is included in the displayed price: 20% on most things and a reduced 10% on food, books and hotel stays. The tag or menu price is what you pay, and non-EU visitors can reclaim the VAT on larger purchases (see below).
Real exchange rate
What your money is really worth here.
This is the mid-market rate, the one the banks trade at and the yardstick every other rate is measured against. Your card lands a little below it, and if a screen ever offers to bill you in dollars, that is worse again. So this is the number to expect, and how you spot a bad one.
1 US dollar is about 0.88 EUR
Taxes, tips and refunds
Tax in the price, a refund if you shop big, and a light tip.
In Austria, VAT is already included in the price you see: 20% on most goods and services, and a reduced 10% on food, books and hotel accommodation. As a US visitor you can claim tax-free shopping: on purchases over about 75 euros in one store, ask for a refund form and reclaim the VAT when you leave the EU, usually at the airport. Separately, most towns add a small overnight tourist tax to your hotel bill: Vienna charges 5% of the net room price, while alpine and regional towns usually charge a flat per-person nightly fee of roughly 1 to 3.50 euros. Tipping is light: service is included, and rounding up or adding about 5 to 10% for good service is normal. Tell the server the total you want to pay as you hand over cash or card, rather than leaving coins on the table. There is no separate departure tax; airport charges are built into your ticket.
Fees and taxes to double-check
The numbers most likely to change.
These are the fees and taxes that move on political timelines, so we track each one on its own. Every line shows the amount, whether it is in effect yet, the date we last checked it, and a primary source where a clean one exists.
Vienna accommodation tax (Ortstaxe)
5% of the net room price
Vienna accommodation tax, next step
8% of the net room price
Before you book: passports, the six-month rule and whether you need a visa. Not a US citizen, or connecting through Europe? The rules can differ, and even a layover can need its own visa. See our passports and visas guide →
Watch out for
The small traps that catch first-timers.
Tipping
Light: round up, or 5 to 10% for good service.
Tipping in Austria is modest, so keep it simple. Service is included in the bill, and the custom is to round up or add roughly 5 to 10% for good service at a restaurant. The Austrian way is to tell the server the total you want to pay as you settle (for example, saying the rounded-up figure when you hand over the cash or card), rather than leaving coins on the table. For a quick coffee or casual meal, rounding to the next euro or two is plenty. Taxis get rounded up; hotel housekeeping a couple of euros is a kind gesture but not expected; a bellhop or helpful guide, a few euros. There is no North American card-terminal tip-prompt culture here.
Common questions
Quick answers.
Do I need cash in Austria?
More than in most of Western Europe, yes. Cards work in most shops and restaurants, but Austria still leans on cash, and cafes, bakeries, markets, mountain huts and traditional wine taverns may be cash-only or set a card minimum. Carry about 60 to 100 euros and top up at a bank Bankomat.
Should I pay in euros or US dollars in Austria?
Euros. If a card terminal or ATM offers to charge you in US dollars, decline; that dynamic currency conversion typically adds 3 to 8%. Paying in euros and letting your own bank do the conversion is almost always cheaper.
What is the best ATM to use in Austria?
A bank Bankomat, such as Erste and Sparkasse, Bank Austria or Raiffeisen. Avoid the blue Euronet machines common in tourist areas, which offer poor rates and push fees, and always decline the offer to convert to US dollars.
How much should I tip in Austria?
Not much. Service is included, so locals round up or add about 5 to 10% for good service. The custom is to state the total you want to pay as you hand over cash or card, rather than leaving coins behind. Round up for taxis and casual meals.
Is tax included in prices in Austria?
Yes. Austrian VAT is built into the displayed price, 20% on most things and a reduced 10% on food, books and hotels, so the tag or menu price is what you pay. Non-EU visitors can reclaim VAT on purchases over about 75 euros in one store when leaving the EU.
Does Austria charge a tourist tax?
Most towns do, added to your hotel bill. Vienna charges 5% of the net room price, while alpine and regional towns usually charge a flat per-person nightly fee of roughly 1 to 3.50 euros. It is separate from the room rate you book online.
What it really costs
What you'll really spend in Austria.
Your flights if you want them counted, your room, your on-the-ground spending, the two fees most US cards add without telling you, and Austria's tourist tax. One number, nothing waiting on the statement. No bank to pick, no sign-up, nothing saved.
Optional. Enter your round trip fare per traveler to fold flights into the total.
In Austria, plan for about $0.
Realistically somewhere between $0 and $0.
Whether at an ATM or a card terminal in a shop or restaurant, always choose to be charged in the local currency, not dollars. Paying in dollars (called dynamic currency conversion) lets the machine set its own, worse, exchange rate on top of any fee.
Rough guide, not a quote. The percentage here is a blended stand-in for a typical US card's foreign fee, not your exact rate. The real number moves with the card you carry: one no-foreign-fee card can cover both sides, while a plain rewards credit card only removes the fee on what you buy, and cash still costs a little unless that card also waives ATM and foreign-cash fees. A debit card, or accepting the "pay in dollars" (dynamic currency conversion) offer at a till or ATM, can push it higher. Rates checked Jun 2026 and rounded.
How this estimate is built
These are the assumptions behind the number. Change the room price, nights, travelers, or travel style above, and every line here moves with them.
- Hotel
- Daily spending
- Flights
- Cash vs card
- ATM withdrawals
- Foreign fee
- The range
- Tourist tax
Not sure which card to bring? See my pick for Austria.
Already carry a card with no foreign transaction fee? Then you are set for Austria, and can skip this. There is nothing to buy.
If you are getting a card for Austria, this is the pairing I would pick: a no-foreign-fee credit card for spending, and a fee-free ATM debit card for cash. We earn nothing on these today. Always confirm the current fee with the issuer before you apply. Checked Jun 2026.
Capital One charges no foreign transaction fee on any of its cards.
No foreign transaction fee
Fee-free ATM cash worldwide
Want one account that holds and spends in the local currency? A different job from the three above, and the one I reach for abroad. It is free to open; you can create a virtual card in the app and add it to your phone wallet in minutes, without waiting for the physical card; and you can convert US dollars into the local currency inside the account before you travel, then spend from that balance. Wise uses the mid-market rate plus a small conversion fee (around 0.4% and up), with no flat foreign fee.
The three picks above pay us nothing, and their tags say so. Wise is the only option here that can earn us a commission, and its tag says that too. Paid or not, the pick is still the pick.
Travelers, not touristsA little German goes a long way
A little German goes a long way
Austrians speak German, and a warm Grüß Gott as you enter a shop, plus a story or two, marks you as a guest rather than a tourist. A little effort is always met with warmth.
Say a few words
Tip: In Austria the everyday greeting is Grüß Gott (literally, may God greet you), not the German Guten Tag, and locals use it walking into shops and cafes. Among friends you will hear Servus for both hello and goodbye.
Know a story
The boy who astonished Europe
Wolfgang Amadeus Mozart was born in Salzburg in 1756 and was performing for royal courts across Europe by the age of six. He wrote more than 600 works before he died at just 35. Austria has been a land of music ever since, with Vienna as its beating heart.
Good to know: Mozart was born in Salzburg in 1756
The city that waltzes
Vienna gave the world the waltz, at first thought scandalous for how closely the dancers held each other, then adored everywhere. Each winter the city holds hundreds of grand balls, and the most famous open with couples sweeping across the floor. The Strauss family turned the waltz into Vienna's heartbeat.
Good to know: the ball season runs each winter
The living room of the city
The Viennese coffeehouse is a second living room: order one coffee and you may sit for hours, reading the papers, meeting friends or simply thinking. The tradition is so treasured it sits on the UNESCO list of intangible cultural heritage. Ask for a Melange, the Viennese cousin of a cappuccino.
Say it: a Melange (meh-LAHNZH)For a country its size, Austria has an outsized soul: Mozart and the waltz, the Alps and the coffeehouse, and a gentle pride in Gemütlichkeit, a cosy, unhurried warmth that has no exact word in English.
No links here, nothing to buy. This part is just to help you travel well.
Sources, and how this guide was checked
Last checkedJul 2026
Changed since last checkRe-checked July 2026. Confirmed the Vienna Ortstaxe rose to 5% of the net room price on 1 July 2026 as enacted (a further rise to 8% is set for 1 July 2027). The file already read correctly; re-stamped checked dates. VAT refund and alpine flat fees unchanged.
- City of Viennathe Ortstaxe (local accommodation tax) and its rise to 5% from 1 July 2026
- Austrian Federal Ministry of Financethe VAT refund for non-EU visitors, from 75.01 euros
Our own judgmentThe daily cash share, tipping norms, and likely ATM behavior are our own estimate from experience, not an official figure.
More money guides in Europe
If you are also weighing up nearby destinations, each guide covers cards, cash, ATMs and the fees to expect.
Going deeper on Austria
The money questions people ask on the ground.
Short, focused answers to the specific things that catch first-timers out in Austria.
- Tipping in AustriaAustria tips much like Germany: a modest Trinkgeld, done by rounding up, and told to the server rather than left on the table. Here is how it works.
- Do I need cash in Austria, or can I use cards?Short answer: cards in the cities, a fair bit of cash for small places. Austria is a little more cash-minded than most of Western Europe, much like its neighbor Germany, so carry euros. Here is how to handle it.
- Bringing your dog or cat to Austria.Austria runs on the single EU pet-entry process for a US-origin dog or cat: microchip, rabies in the right order, and an EU health certificate on a 10-day clock. No quarantine, no rabies titer. Here is what that means for Austria, and the local parts worth knowing.
This is how Austria stands today.
Money rules move. We can let you know for free if that changes.