Let's Explore the Best Ways to Spend Money in France!
Travelling to France in 2025 promises to be as enchanting as ever, whether you picture yourself wandering through the lavender fields of Provence, enjoying a croissant at a Parisian café, or standing beneath the glittering Eiffel Tower after an evening meal, France has something for everyone.
As magical as these experiences are, managing your money efficiently can significantly enhance your trip. With the increasing favourability of cashless payments and fluctuating currency exchange rates, understanding the most cost-effective and convenient ways to spend your money is crucial.
In this guide, we will walk you through our essential tips for managing finances while travelling in France, from selecting the right payment methods to avoiding hidden fees and maximising your travel budget.
Table of Contents
- What is the Currency Used in France?
- The Best Ways to Get Euros Whilst in France
- Should You Bring Euros or Rely on Your Card to Spend Money in France?
- How to Avoid ATM Fees in France
- So, What is the Best Way to Pay in France: Cash or Card?
- The Unique Perks of Spending Money in France
- Top Tips for Managing Your Money in France
- Best Ways to Spend Money in France: A Summary
What is the Currency Used in France?
As a member of the EU and Eurozone, France uses the Euro (€) as its official currency.
Banknotes are available in denominations of €5, €10, €20, €50, €200 and €500, while coins come in 1,2,5,10,20 and 50 cent denominations, as well as €1 and €2 coins.
While the Euro is the sole currency accepted for transactions across France, understanding the best way to manage and spend your euros can save you both time and money.
Let’s look at how to make the most of your spending in 2025.
The Best Ways to Get Euros Whilst in France
Travelling to France is a dream come true for many, but ensuring you have access to euros can make or break your travel experience. Whether you’re exploring Paris, savouring wine in Bordeaux or sunbathing along the French Riviera, having euros on hand is essential for everything from paying for breakfast to covering transportation costs.
Here’s a quick overview of the best ways to obtain euros whilst you’re on holiday in France:
1) Use ATMs Upon Arrival in France
One of the most convenient ways to get euros in France is by using an ATM. ATMs are widely available in airports, train stations, city centres and even small towns. Here’s how to maximise this option:
- Bring a debit, credit or Travel Money Card
- Check the fees associated with your Bank debit or credit card.
- Use ATMs from local French banks.
- Avoid Dynamic Currency Conversion.
2) Exchange Currency at a Bank in France
If you prefer to exchange physical cash, visiting a French bank is a secure option.
Banks in France generally offer fair exchange rates and charge lower fees compared to airport currency exchange kiosks. We advise you to:
- Look for major banks when you arrive in France.
- Make sure to have your passport with you.
- Mind opening hours: French banks are usually open Monday to Friday from 9am to 5pm, with breaks during lunch between 12pm and 2pm. Some banks in France may open on Saturday mornings but this varies.
3) Visit Currency Exchange Offices
Currency exchange offices, also known as “bureaux de change”, can be found in major cities, tourist hubs and airports. While convenient, these often come with less favourable rates.
Here’s how to approach them:
- Shop around, don't use the first one you come across.
- Prioritise reputable currency exchange offices.
- Have caution, some currency exchange offices may charge high fees and commissions, on top of the exchange rate provided.
4) Use Currency Apps and Online Services
Apps and online platforms can help you access euros in France with minimal fees.
These services often provide better exchange rates than banks or physical exchange offices.
Here’s how:
- Most Travel Money Cards have associated apps attached. These services let you load money in your home currency and convert it to Euros at competitive rates. You can then withdraw Euros from ATMs or pay directly with the card.
5) Bring Euros from Home
While it’s not always the most cost-effective option, having a small amount of euros in cash when you arrive can be useful for immediate expenses like transportation or snacks.
You can:
- Order Euros through your bank.
- Buy Euros at currency exchange offices in your country of residence.
The EasyFX Travel Money Card allows travellers to spend money in France without additional transaction and ATM withdrawal fees, whilst at competitive Euro exchange rates. Sign up or contact us today for more details!
Should You Bring Euros or Rely on Your Card to Spend Money in France?
When deciding between exchanging cash before your trip, or using your card abroad, here are some key factors to consider:
Exchanging Cash Beforehand
If you want to have euros in hand upon arrival, we advise you to do some research to find the best exchange rates near you. You should also avoid airport currency exchange counters as their rates are often significantly worse.
Bringing cash might make sense if your card has high foreign transaction fees, or isn’t accepted internationally. However, carrying large amounts of cash leaves the risk of it being lost or stolen.
Things to Consider Before Using a Debit or Credit Card in France
Using a debit or credit card to spend money in France is common for a lot of travellers and expats. However, it’s important to consider who you bank with and their terms and conditions on using their debit or credit card abroad.
We advise people to look into:
- Whether your debit or credit card can be used internationally.
- Will you be charged additional fees for withdrawing money internationally with your debit or credit card?
- Are there international transaction fees attached to your current debit or credit card when used overseas?
If you find that your debit/credit card isn’t the best for spending money overseas, it is worth having a shop around with other banks or utilising prepaid travel money card options, where their services allow people to spend money abroad without worrying about additional fees.
Be Aware of Dynamic Currency Conversion in France
When paying by card, some merchants may offer to charge you in your home currency, e.g. Pounds, instead of Euros.
We would advise you to always decline this option, as the exchange rate is usually higher than that of your debit/credit or travel money card provider.
How to Avoid ATM Fees in France
ATMs, or “distributeurs” as they’re known locally, are abundant and straightforward to use. However, fees can add up quickly if you’re not careful.
Here’s our tips on how to keep withdrawal fees down:
Use Fee-Free Cards for Your Trip to France
Many international banks have partnerships with French banks.
For example:
- BNP Paribas has agreements with the Bank of America and other global banks, allowing free or reduced-fee withdrawals for their customers.
- The EasyFX Travel Money card can be used in over 35 million locations worldwide, including France, and will allow you to make free ATM withdrawals.
- Check with your bank to see if they have similar arrangements with French banks before you travel.
Avoid Independent ATMs in France
Independent ATMs, often found in tourist areas, may charge higher fees or offer poor exchange rates.
We advise you to only use ATMs affiliated with major French banks such as; Société Générale, Crédit Agricole, or Banque Populaire.
Withdraw Large Amounts (avoiding fees per transaction)
Since most ATMs charge a flat fee per transaction, it’s better to withdraw large sums of cash, less frequently. If you decide to do this, be mindful of carrying too much cash and use a money belt or secure wallet to keep it safe.
So, What is the Best Way to Pay in France: Cash or Card?
In 2025, France will be almost fully integrated with cashless payment systems. Both credit and debit cards are widely accepted across the country, even in smaller towns and villages.
However, using cash is still useful, particularly in open-air markets, rural areas and for tipping.
If you’re trying to decide between taking euros or relying on your card, here are the main points to consider:
Are Debit, Credit and Prepaid Travel Cards the Best Options?
Using a debit or credit card equipped with no foreign transaction fees is often the cheapest, and most convenient way, to pay in France.
Cards with multi-currency accounts, such as our Travel Money Card, allow you to hold euros in advance, thereby avoiding fluctuating exchange rates during your trip.
Is Cash the Best Option?
While cash is less common for daily expenses, it’s still useful to have a small amount for emergencies or places that only accept cash.
We suggest you carry around €50-€100 in small denominations to cover incidental costs.
What About Using Apple Pay & Google Play?
Contactless payments via smartphone wallets are accepted nearly everywhere in France, making them a new and excellent option for travellers who prefer not to carry a physical card or cash.
The Unique Perks of Spending Money in France
France is full of unique experiences that justify every euro spent.
Here are some spending tips and noteworthy perks to enhance your visit:
1) Tax-Free Shopping
France offers VAT refunds on purchases over €100.01 made in a single store on the same day. Look for shops displaying “Tax-Free Shopping” signs and ask for a tax refund form at checkout. Any refunds can be claimed at the airport upon departure, so arrive early to process the paperwork.
2) Cafe Culture Tips
When dining out, it’s worth noting that prices at French cafés and brasseries often vary based on where you sit:
- Standing at the bar is the cheapest.
- Sitting indoors will cost slightly more.
- Sitting outside on a terrace commands the highest price but offers the best views.
3) City Cards for Attractions
Cities like Paris, Lyon and Bordeaux offer tourist cards that provide free or discounted access to museums, public transport and other activities. Here are some of the most popular examples:
- The Paris Pass includes entry to over 60 attractions, including the Louvre and the Palace of Versailles.
- The Lyon City Card grants access to river cruises, guided tours and unlimited public transport.
4) Wine & Dine Wisely
The French culinary scene might be world-famous, but that doesn’t mean dining out has to break the bank.
- Opt for “prix fixe” menus, which are set menus at lunchtime. They often offer the same quality as dinner for a fraction of the price.
- Visit local boulangeries (bakeries) and markets for affordable, delicious meals on the go.
Top Tips for Managing Your Money in France
Learn Basic Phrases
While most vendors speak English in major cities, knowing a few French phrases like “Combien ça coûte”, which means ‘How much does it cost’, or “Puis-je payer pas carte?”, which means ‘Can I pay by card’, will help you navigate transactions.
Use Public Transport
Public transport in France is both efficient and affordable. You could consider purchasing multi-day metro - or bus passes to save money.
Check for Local Discounts
Many attractions offer reduced rates for students, seniors and families. Make sure you’re carrying the appropriate ID to take advantage.
Tipping Etiquette
Service charges are included in restaurant bills, however, it is customary to round up or leave small changes as a gesture of appreciation.
Best Ways to Spend Money in France: A Summary
France in 2025 offers an unparalleled mix of traditional charm and modern luxury. Whether you're splurging on haute couture in Paris, savouring Michelin-starred cuisine, or exploring the bustling local markets of Provence, every euro spent here becomes part of a story you’ll cherish.
The key is balance!
We would suggest taking some cash and using your card or travel money card to make most of your transactions. By favouring locally owned businesses, you’ll not only stretch your budget but also immerse yourself in the true essence of France.
Travel Money in France, Made Easy, with EasyFX
At EasyFX, we specialise in foreign exchange and help thousands of customers manage their money worldwide, including in France.
Whether you're a frequent traveller or take occasional holidays, you can avoid high international transaction and withdrawal fees with the EasyFX Travel Money Card. Our card supports 13 different currencies, making it easy to spend in France and other top destinations worldwide.
With an Excellent Trustpilot rating from thousands of happy customers, you can rely on us to keep your holiday funds secure.
We are fully regulated and authorised by the FCA, FSMA, and FINTRAC, ensuring your money is always safe in segregated client accounts.
If you’d like to learn more about our travel money card or need to transfer money to France, speak to our foreign exchange experts today or sign up for an account in under 15 minutes.
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