ATMs are widely available in towns and resorts. Credit cards are accepted in most hotels, restaurants and shops.


  • Most debit and credit cards, such as Visa, MasterCard and Cirrus, can be used to withdraw cash from cajeros automáticos (ATMs).
  • ATMs are ubiquitous in towns and major resorts, and accessible 24/7.
  • There is usually a charge (around 1.5% to 2%) on ATM cash withdrawals abroad.


  • Cash is king for small purchases in Mallorca, and spare change is handy for coffee pit stops and spontaneous market buys.
  • Avoid taking more money to the beach than you need for ice cream, drinks, and sunbed and parasol hire (€10 to €15 per day).
  • Most banks exchange major foreign currencies and offer the best rates. Ask about commissions and take your passport.
  • Exchange bureaux (look for the sign ‘cambio’) tend to open longer hours but usually charge outrageous commissions.

Credit & Debit Cards

  • Credit and debit cards are generally accepted in hotels, with the exception of some rural B&Bs.
  • Small, family-run restaurants and cafes might insist on cash – check before ordering to be on the safe side.
  • Cards can be used to pay for most other purchases. You’ll sometimes be asked to show your passport or some other form of photo ID.
  • Among the most widely accepted cards are Visa, MasterCard, American Express (Amex), Cirrus, Maestro, Plus, Diners Club and JCB.

Exchange Rates

New ZealandNZ$1€0.66

For current exchange rates, see


  • Hotels Discretionary: porters around €1 per bag and cleaners €2 per day.
  • Cafes and bars Not expected, but you can reward good service by rounding the bill to the nearest euro or two.
  • Restaurants Service charge is included, unless 'servicio no incluido' is specified, but many still leave an extra 5% or so.
  • Taxis Not necessary, but feel free to round up or leave a modest tip, especially for longer journeys.