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Vienna Money Guide: Currency, Cards, ATMs & Daily Budgets

Everything you need to manage money in Vienna — from euro basics and card acceptance to ATM etiquette and realistic daily budget ranges.

Vienna runs on the euro (€), divided into 100 cents, and shared with 20 other EU member states — so any euros left from a previous European trip are good here. Coins come in denominations from 1 cent to 2 euros, and notes from €5 up to €500 (though €500 notes are rarely seen in everyday circulation). Keep a supply of smaller notes and coins for markets, bakeries, and the occasional cash-only café.

Card acceptance in Vienna is broad but not universal. Major credit and debit cards — Visa, Mastercard, and Maestro — work reliably at hotels, restaurants, and most shops. American Express is accepted at larger establishments but less common elsewhere. Smaller Heurigen (wine taverns), bakeries, street market stalls, and some museums gift shops may still be cash-only, so carrying €20–40 on hand is practical. Contactless payment via card or phone is increasingly standard at supermarkets and chain cafés.

ATMs (called Bankomats in Austria) are easy to find across the city — in bank branches, U-Bahn stations, shopping centres, and busy pedestrian streets. Opt for machines operated by established banks such as Erste Bank, Raiffeisen, or BAWAG, and always choose to be charged in euros rather than your home currency when given the dynamic currency conversion option — the bank-rate conversion is almost always better. Check your home bank's foreign transaction fees before you travel, as these vary significantly.

Budget travellers sharing hostel dorms, eating at Würstelstand sausage stands and Naschmarkt stalls, and using public transit can get through the day on roughly €60–80. A mid-range day — sit-down lunches, a museum or two, a Viennese coffeehouse stop, and a tram ride — typically runs €120–180 per person. Luxury Vienna, with fine dining in the Innere Stadt, a box at the Staatsoper, and a five-star hotel, can easily reach €400 or more daily. Tipping is customary but modest: rounding up or adding 5–10% is the norm; you state the total you want to pay rather than leaving cash on the table.

Key Money Facts for Vienna

Currency: Euro (€)

Vienna uses the euro, shared with 20 other EU member states. Coins range from 1 cent to €2; notes from €5 upward.

Card acceptance

Visa, Mastercard, and Maestro work reliably at hotels, restaurants, and most shops. American Express is accepted at larger establishments but less common elsewhere.

Contactless payments

Contactless payment by card or phone is increasingly standard at supermarkets and chain cafés across the city.

Bankomats (ATMs)

ATMs — locally called Bankomats — are widely available in bank branches, U-Bahn stations, shopping centres, and busy pedestrian streets.

Cash-only spots

Smaller Heurigen (wine taverns), bakeries, street market stalls, and some museum gift shops may be cash-only — carrying €20–40 on hand is practical.

Trusted ATM networks

Stick to machines operated by established banks such as Erste Bank, Raiffeisen, or BAWAG for reliable and secure transactions.

Know Before You Go

Payment
Always choose to be charged in euros at ATMs and card terminals — dynamic currency conversion typically results in a worse exchange rate.
Cash on hand
Carrying €20–40 in smaller notes and coins covers cash-only bakeries, market stalls, Heurigen, and transit edge cases.
Card types
Visa, Mastercard, and Maestro are broadly accepted; American Express is reliable at larger venues but not universal at smaller businesses.
ATM selection
Use Bankomats operated by Erste Bank, Raiffeisen, or BAWAG to minimize the risk of unfavorable fees or currency conversion traps.
Small denominations
€500 notes are rarely accepted in everyday circulation — stick to smaller notes for day-to-day purchases at markets and cafés.

Insider Tips

1
Money vs time

At any ATM or card terminal that offers to charge you in your home currency instead of euros, always decline and choose euros. The 'dynamic currency conversion' rate is set by the terminal operator and is almost always less favorable than your own bank's rate.

2
Preparation

Before heading to the Naschmarkt or any open-air street market, stop at a Bankomat in a nearby U-Bahn station — many stalls are cash-only and there may not be a convenient ATM inside the market itself.

3
Pro strategy

Heurigen (traditional Viennese wine taverns) on the city's outskirts frequently operate on a cash-only basis. Withdraw cash before making the trip, as Bankomats can be sparse in the vineyard neighborhoods of Grinzing or Neustift am Walde.

Watch Out: Dynamic Currency Conversion

At ATMs and card terminals, you may be offered the chance to pay in your home currency. Decline this — it is known as dynamic currency conversion and typically applies a poor exchange rate. Always select euros to get your bank's standard rate.

FAQ

What currency is used in Vienna? +
Vienna uses the euro (€), the official currency of Austria and 20 other EU countries. The euro is divided into 100 cents. Notes and coins are interchangeable across the eurozone, so euros from other European trips are perfectly valid.
Can I get by in Vienna without cash? +
Mostly, but not entirely. Cards are widely accepted at hotels, larger restaurants, and shops. However, some smaller cafés, market vendors, Heurigen wine taverns, and bakeries are cash-only. Keeping €20–40 in cash on you covers most gaps.
Where are the best places to find ATMs in Vienna? +
ATMs — called Bankomats locally — are plentiful in U-Bahn stations, bank branches, and along main shopping streets. Stick to machines run by recognised banks like Erste Bank, Raiffeisen, or BAWAG to minimise unexpected fees.
Should I exchange currency before arriving in Vienna? +
It is rarely necessary. Airport and city-centre Bankomats give competitive rates. Avoid currency exchange booths at the airport if possible — their rates and fees are typically less favourable than a direct ATM withdrawal in euros.
How much should I budget per day in Vienna? +
Budget travellers can manage on roughly €60–80 per day using hostels, street food, and public transit. A mid-range day costs around €120–180. A luxury experience — fine dining, premium hotels, and cultural events — can exceed €400 per person.
How does tipping work in Vienna? +
Tipping is customary but not obligatory. The local practice is to round up the bill or add around 5–10%, and to tell the server the total you wish to pay rather than leaving money on the table. For example, if the bill is €18, you might say '€20, thank you.'

Sources & Attribution

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