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Money in Germany, sorted.
A calm, current plan for the money side of your trip: why a famously efficient country still runs more on cash than you'd guess, and the small per-city tax that varies more than anywhere else in Europe.
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
Works widely, but not everywhere
Visa and Mastercard are accepted at supermarkets, chain restaurants, hotels and most city-center shops, often via contactless. Many independent bakeries, small restaurants, market stalls and some museums are cash only or set a minimum, commonly around 10 to 30 euros.
Check yours →Cash
Keep more than you expect
Germans famously like cash, and you will run into it more than in France, Spain or the UK. Keep 50 to 100 euros for bakeries, beer gardens, markets, festivals and paid restrooms, which often want coins.
How much to bring →ATMs
Plentiful, but mind the network
Sparkasse (red S logo) and the Cash Group (Deutsche Bank, Commerzbank, Postbank) cover cities and most towns well. A foreign card is an "out of network" withdrawal almost everywhere, so expect a fee, sometimes 5 euros or more at a standalone machine. Read the screen before confirming.
See ATMs in Germany →(opens in a new tab)Cash or card
Germany is more cash-loving than its efficient reputation suggests.
A rough feel for everyday spending. Supermarkets, chain stores and hotels take cards easily, contactless included. But traditional bakeries, market stalls, beer gardens, small family restaurants and many museums still prefer cash, or are cash only, and that habit runs deeper here than in most of Western Europe.
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 for hotels, supermarkets and chain restaurants, plus a backup card from a different bank.
- Get a no-fee debit card for cash. Charles Schwab refunds ATM fees worldwide; Wise and Revolut are low-fee.
- Amex is accepted far less than Visa or Mastercard in Germany, so do not rely on it as your main card.
At the airport
- Skip the airport exchange counters, the rates are poor.
- Pull euros from a Sparkasse or Cash Group ATM (look for the red S, or Deutsche Bank, Commerzbank, Postbank) and decline "convert to USD."
- Withdraw a larger amount at once, since the out-of-network fee is usually a flat charge per withdrawal, not a percentage.
Day to day
- Card for supermarkets (Rewe, Edeka, Aldi, Lidl), chain restaurants and hotels.
- Cash for bakeries, beer gardens, market stalls, small family-run restaurants and paid public toilets.
- A handy local trick: supermarkets and drugstores like dm and Rossmann will often give you cash back free of charge with a card purchase.
- Always choose euros, never dollars, on every card terminal and ATM screen.
A golden rule
- Always pay in euros, never in dollars. Choosing your home currency (dynamic currency conversion) quietly adds 3 to 8%.
- When a restaurant brings the card reader, state the total you want to pay out loud, including any tip, before they process it. Leaving coins on the table after paying and walking off reads as a mistake, not a tip.
Staying connected
Will my phone work here? And what will it cost?
Yes, with one well-known catch. Deutsche Telekom has the strongest and most consistent nationwide coverage, including small towns, the Alps and the Black Forest, with Vodafone a close second, especially in the western half of the country. O2 has closed much of its old rural gap but still trails the other two outside cities. The famous weak point is German long-distance trains: ICE lines run through long tunnels and rural stretches with patchy signal, even though free onboard wifi (WIFIonICE) helps fill the gaps. Pick a Telekom-backed eSIM if your trip includes rural regions or a lot of train travel. 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 Germany.
Get your Nomad eSIM for Germany→(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 covers ambulance and fire, and it is free from any phone.
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.
Renting a car
Where the rental desk makes its money.
Renting is often the best way to see Germany, and the cover is where the counter earns its margin. The rental comes with basic collision cover, but it leaves you owing the excess, the first slice of any damage or theft bill, often several hundred to a couple of thousand dollars, held on your card until the car is back. The desk will offer to erase that excess. It is a real product, just priced at the counter for far more than the same cover costs if you arrange it before you go.
You may not need to buy anything at all. Some US credit cards include rental collision cover when you pay with the card and decline the counter's version, so check what your own card covers on rentals before you add anything extra. We cannot read your policy for you, and flagging this can cost us the sale below, but it is the honest first step.
If your card does not cover it, or you would rather have cover built for this, a standalone policy bought ahead is the cheaper way to handle it. It covers the damage and theft the rental leaves you liable for, often including parts the counter cover leaves out like tires, glass and the underbody, and mechanical faults stay the rental company's problem. RentalCover covers rentals in Germany. Read what the policy includes before you buy.
Cover a rental in Germany with RentalCover→(opens in a new tab)we may earn a commissionCurrency basics
The euro, in plain terms.
Quick conversion
About 1.14 dollars to 1 euro in mid-2026, so a 10 euro meal is roughly $11.40, and 100 euros is about $114.
Notes and coins
Notes run 5, 10, 20, 50, 100, 200 and 500 euros, though many small shops dislike anything above 50. Coins go from 1 cent to 2 euros, and Germans use them freely, exact change is expected and appreciated.
The Girocard isn't yours
Most Germans pay with a Girocard, a domestic debit network that does not work for foreign visitors. Your Visa or Mastercard is a separate, sometimes pricier transaction for the merchant, which is part of why some small businesses skip cards altogether.
Tipping is light
Round up the bill rather than calculating a percentage. There is no US-style 18 to 20% expectation here, see the tipping section 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 and refunds
City bed taxes, and money back on shopping.
Germany has no single national tourist tax. Instead, individual cities charge their own bed tax, added to your hotel bill on leisure stays. Berlin charges 7.5% of the room rate, Munich and Cologne charge 5%, Hamburg uses a sliding scale that works out to roughly 2%, and Frankfurt charges a flat 2 euros per night. Most smaller towns charge nothing. Separately, if you shop, non-EU visitors can reclaim part of Germany's 19% VAT (a reduced 7% applies to books, food and hotel stays). Ask for a tax-free form at the till, keep the goods unused, and get it stamped by customs when you leave the EU. After the refund operator's fee, expect back roughly 10 to 14%, not the full 19%.
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
Round up, don't calculate a percentage.
Tipping in Germany is light and works differently than in the US. At a restaurant or bar, round up the bill, on a 23 euro tab, say "25, bitte" when you pay, rather than working out 18 to 20%. For a larger meal, an extra 5% on top is generous. Taxi drivers get the fare rounded up. Hotel porters or housekeeping can be left 1 to 2 euros, appreciated but not expected. Fast food counters, bakeries, supermarkets and self-service cafes get no tip at all. The key habit to know: state the total you want to pay, tip included, before the card reader is run or change is handed back, since Germans settle the tip in the moment rather than leaving cash behind afterward.
Common questions
Quick answers.
Do I need cash in Germany?
Yes, more than you would expect from a country with this reputation for efficiency. Supermarkets, chain restaurants and hotels take cards easily, but bakeries, market stalls, beer gardens, small family restaurants and paid restrooms often want cash. Keep 50 to 100 euros on hand and top up at a Sparkasse or Cash Group ATM.
What is the best ATM to use in Germany?
Look for Sparkasse (red S logo), or the Cash Group network: Deutsche Bank, Commerzbank and Postbank. A foreign card is treated as out-of-network almost everywhere, so a fee is likely, sometimes 5 euros or more at independent machines. Read the on-screen fee and always decline the dollar conversion.
Should I pay in euros or dollars in Germany?
Always euros. If a card terminal or ATM offers to charge you in dollars, decline. That dynamic currency conversion adds roughly 3 to 8%, and your own bank's rate is better.
Do you tip in Germany?
Lightly, and by rounding up rather than calculating a percentage. Round a restaurant bill up to the next few euros, round up a taxi fare, and leave 1 to 2 euros for hotel porters or housekeeping. State your total, tip included, before the card is run, since leaving cash behind after paying is not how it is done here.
What is Germany's tourist tax?
There is no single national tax. Individual cities charge their own bed tax on leisure stays: Berlin is 7.5% of the room rate, Munich and Cologne are 5%, Hamburg works out to roughly 2%, and Frankfurt charges a flat 2 euros a night. Most smaller towns charge nothing.
How much cash should I bring for a week in Germany?
For two mid-range travelers, very roughly 300 to 400 euros (about $340 to $450) in day-to-day cash across a week, beyond your hotel, pulled in a couple of ATM visits. Cards cover supermarkets, chains and hotels; the cash covers bakeries, markets, beer gardens and the odd cash-only restaurant.
What it really costs
What you'll really spend in Germany.
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 Germany'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 Germany, 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 Germany.
Already carry a card with no foreign transaction fee? Then you are set for Germany, and can skip this. There is nothing to buy.
If you are getting a card for Germany, 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
Germans speak German, and they value courtesy and directness in equal measure. A clear Guten Tag and a story or two mark you as a guest rather than a tourist.
Say a few words
Tip: Greet people with a clear Guten Tag and expect friendly directness in return. A lovely afternoon custom is Kaffee und Kuchen, coffee and cake, a proper pause to sit down together with something sweet. Germans also treasure their forests and long country walks.
Know a story
The invention that changed everything
Around 1450 in the city of Mainz, Johannes Gutenberg built Europe's first printing press with movable metal type, and suddenly books could be made quickly and cheaply for the first time. Knowledge spread as never before. Few inventions have done more to shape the modern world.
Good to know: the printing press dates from around 1450
Music for all humanity
Germany has given the world some of its greatest composers, and none is more beloved than Ludwig van Beethoven. He wrote symphonies of thunder and tenderness, and composed some of his greatest music, including the famous Ode to Joy, after he had gone almost completely deaf. His work still moves audiences everywhere.
Good to know: he composed while going deaf
A tale of four friends
The Brothers Grimm gathered Germany's old folk tales, Cinderella, Hansel and Gretel, Rapunzel, and preserved them for the world. In one favorite, the Bremen Town Musicians, four aging animals set off together for a better life and cleverly scare off a band of robbers by standing on one another's backs. It is a story about finding your place and your friends.
Say it: the Bremen Town MusiciansGermans are proud of a deep heritage of thinkers, poets and composers, of Kaffee und Kuchen and Christmas markets, and of a countryside of dark forests and fairy-tale castles. Show genuine interest and a little enthusiasm, and their warmth and dry humor come right out.
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 checkSources added, and a correction. We removed Munich from the list of cities charging a bed tax: Bavaria banned local hotel taxes and its Constitutional Court upheld that ban in 2025, so Munich does not levy one. The other city rates are confirmed (Berlin 7.5%, Cologne 5%, Hamburg on a sliding scale, Frankfurt 2 euros a night), as is the 19% VAT refund for non-EU visitors, which starts at 50.01 euros spent in one store.
- German Customs (Zoll)VAT-free shopping for non-EU visitors, the 50.01 euro minimum and how to claim the refund
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 Germany
The money questions people ask on the ground.
Short, focused answers to the specific things that catch first-timers out in Germany.
- Taxis in Germany, and the FreeNow appGerman taxis are metered, regulated and honest, so there are no games to watch for. Install FreeNow, know that the S-Bahn usually beats a taxi from the airport, and round up to tip. Here is how it works.
- Do I need cash in Germany, or can I use cards?Short answer: more cash than the rest of Western Europe. Germany is card-friendly in larger shops and hotels, but a surprising number of everyday places take only cash, so carry euros. Here is how to handle it.
- Tipping in GermanyGermany has a real but modest tipping custom called Trinkgeld, and one habit that surprises visitors: you tell the server the total you want to pay, rather than leaving coins on the table. Here is how it works.
- Bringing your dog or cat to Germany.Germany is one of the most common EU destinations for US pet owners, and there is nothing Germany-specific to fear at the border. It runs on the single EU pet-entry process: 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 Germany, and the local parts worth knowing.
This is how Germany stands today.
Money rules move. We can let you know for free if that changes.