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


Many credit and debit cards can be used for withdrawing money from cajeros automáticos (ATMs) that display the relevant symbols, such as Visa, MasterCard, Cirrus etc. There's usually a withdrawal charge of around 1.5% to 2%.


Most banks and building societies will exchange major foreign currencies and offer the best rates. Ask about commissions and take your passport.

Credit & Debit Cards

You can generally get by very well in Andalucía with a credit or debit card enabling you to make purchases and withdraw euros from ATMs.

Not every establishment accepts payment by card, but most do. You should be able to make payments by card in midrange and top-end accommodation and restaurants, and larger shops, but you cannot depend on this elsewhere. When you pay by card, you may occasionally be asked for ID such as your passport. Don’t forget to memorise your PIN, as you may have to key it in as you pay, and keep a note of phone numbers to call for reporting a lost or stolen card.

American Express (Amex) cards are much less widely accepted than Visa and MasterCard.

Exchange Rates

New ZealandNZ$1€0.60

For current exchange rates, see


  • Restaurants A service charge is usually included in the bill, but most people leave some small change if they’re satisfied – 5% is usually plenty.
  • Hotels Tip porters around €1.
  • Taxis Tipping isn't necessary, but a little rounding up won’t go amiss.