Travel money
Travelling to Europe: how many euros should you bring in cash?
2 min read
Canadians are travelling to Europe more
According to Statistics Canada, Canadian residents made 14.3 million overseas visits in 2025, up 10.2% from 2024. In the fourth quarter, France was the second most visited overseas destination, after Mexico. If Europe is on your list, here is how to plan your money.
How many euros in cash?
There is no universal number, but there is a good method:
The first days: enough for transport from the airport, a meal and surprises before you find your bearings.
Small expenses: coffee, markets, small museums, paid public toilets, tips.
A reserve: an amount in case your card is declined or blocked.
Card payment is widespread in Europe, especially in northern cities. Cash is still used more in some countries, such as Germany and Italy, and in small towns and markets.
Which European countries don't use the euro?
Several popular destinations have their own currency. If your trip crosses one, plan for that currency too:
Country | Currency |
|---|---|
United Kingdom | Pound sterling (GBP) |
Switzerland | Swiss franc (CHF) |
Denmark | Danish krone (DKK) |
Sweden | Swedish krona (SEK) |
Norway | Norwegian krone (NOK) |
Iceland | Icelandic króna (ISK) |
Czech Republic | Czech koruna (CZK) |
Poland | Złoty (PLN) |
Hungary | Forint (HUF) |
Romania | Romanian leu (RON) |
We carry these currencies at our branches. See today's rates for each one.
Which banknotes should you ask for?
Mostly €20 and €50 notes. Large notes are often refused in small shops. The €500 note hasn't been issued by the European Central Bank since 2019 and is rarely accepted.
Card or cash: the conversion trap
When a terminal or ATM offers to charge you "in Canadian dollars", decline and choose euros. The rate offered is almost always worse. We explain why in Paying in Canadian dollars abroad?
What if you carry a large amount?
When leaving Canada, any amount of C$10,000 or more must be reported to the Canada Border Services Agency. Entering or leaving the European Union, the threshold is €10,000 or more. See our article on the $10,000 border declaration.
Getting your euros before you leave
You can reserve your euros online and pick them up in Saint-Laurent, Laval or Brossard, with nothing to pay upfront. The rate applied is the one on the day of pickup.
Frequently asked questions
Can I pay in Canadian dollars in Europe?
Almost never in cash. By card, yes, but your bank or the merchant does the conversion, with fees.
Can I sell back unused euros?
Yes. We buy back foreign banknotes in good condition at the day's rate.
About the author
ClickExchange
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