Albania: Albanian ATMs usually add a fixed fee of several hundred lek per withdrawal, so take out larger amounts less often. If a terminal offers euros or lek, always choose lek to dodge poor conversion rates.
Austria: Withdraw euros at bank-owned ATMs like Erste or Raiffeisen. The Euronet machines all over Vienna and the ski towns add steep fees and poor rates, so always decline their conversion offer and choose to be charged in euros.
Bosnia and Herzegovina: The mark is pegged at exactly 1.95583 to the euro. Withdraw small amounts, since leftover marks are nearly impossible to exchange outside Bosnia, and always decline ATM offers to convert to your home currency.
Czech Republic: Czech Republic uses CZK, not euros. Revolut auto-converts at the interbank rate.
Estonia: Estonia uses the Euro. Cash is rarely needed anywhere.
France: French terminals usually refuse a physical card tapped above 50 euros and make you insert it with a PIN. Add Revolut to Apple Pay or Google Pay instead: phone taps use biometrics and skip that limit entirely.
United Kingdom: Tap the same card or phone for every Tube and bus journey in London so daily fare capping works, and never mix devices. In shops, prefer your phone wallet: most banks still cap physical card taps at 100 pounds.
Georgia: When a terminal offers to charge your home currency, always choose GEL to dodge poor conversion rates. Load the card before heading to Svaneti, Tusheti or Kazbegi, where cash still rules and ATMs get sparse.
Croatia: Skip airport currency desks entirely and pay by card or phone. Keep some coins and small notes for green markets, island beach bars and tips, and always choose euros if a terminal offers your home currency.
Hungary: Hungary is more cash-friendly than Western Europe. Use Revolut to withdraw HUF without fees for markets.
Ireland: Sign up before your trip: getting paid back by Irish friends without Revolut is genuinely awkward. Transfers between users are instant and free, and the card taps anywhere in Ireland that takes contactless Visa or Mastercard, which is nearly everywhere.
Italy: Italian merchants are legally required to accept card payments, so if a terminal is mysteriously 'broken' at bill time you can politely insist. Still keep cash for street food and the espresso at the bar, where a 1.20 euro card payment feels unwelcome.
Latvia: Latvia uses the Euro. Revolut is mainly useful for non-Eurozone visitors.
North Macedonia: The denar sits near 61.5 to the euro. Withdraw cash from bank ATMs with Revolut instead of exchanging at the airport, and always decline the conversion the machine offers.
Malta: Withdraw euros at Bank of Valletta or HSBC machines, which usually add no surcharge, rather than the standalone ATMs in nightlife areas. Peer transfers to Maltese friends arrive instantly since so many locals already run Revolut.
Romania: Romania uses RON, not euros. Revolut lets you spend without markup fees.
Serbia: Serbia uses RSD. Revolut gives the real interbank rate without markup.
Sweden: Add Revolut to Apple Pay or Google Pay. This is the best substitute for Swish that international travelers can set up.
Ukraine: Revolut opened to Ukrainian residents in 2025, but as a visitor your existing account already works for spending. Always carry backup cash, since wartime power cuts can take terminals and mobile networks offline.
