The best way to take money to Greece | finder.com

Travel money guide: Greece

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How to save on travel fees when you’re vacationing in Greece

Its stunning beaches and unique islands makes a vacation to Greece a trip to paradise. Casting aside the unsteady financial market and refugee crisis, Greece is a hot spot for American and European travelers alike. But figuring out what credit cards to bring or how to get cash once you’re there can leave you feeling uncertain. Let us help you find the right travel money for your trip to Greece.

Compare travel cards for Greece

Rates last updated June 18th, 2018
Name Product Foreign Currency Conversion Fee Overseas ATM Withdrawal Fee Overseas Cash Advance Fee Annual fee Product Description
Luxury Card Mastercard® Titanium Card™
0% of transaction value
$195
Enjoy unique excursions, privileged access to exclusive events and insider opportunities.
Luxury Card Mastercard® Black Card™
0% of transaction value
$495
Mastercard Black Card members receive an annual $100 air travel credit toward flight-related purchases including airline tickets, baggage fees, upgrades and more.
Luxury Card Mastercard® Gold Card™
0% of transaction value
$995
Earn points every time you spend. Luxury Card enhances your purchasing power by providing you with one (1) point for every one dollar ($1) you spend. Every purchase gets you closer to the rewards you want.
Bank of America® Travel Rewards Credit Card
0% of transaction value
$0
20,000 online bonus points offer. Ditch the restrictions of typical airline rewards cards. Any airline, any hotel, anytime. No blackout dates.
Chase Sapphire Preferred® credit card
0% of transaction value
$0 annual fee for the first year ($95 thereafter)
Earn 50000 points when you spend $4,000 on purchases within the first 3 months of your account opening, and an additional 30,000 points when you spend a total of $30,000 on purchases within the first year of your account opening.
Venture® from Capital One®
0% of transaction value
$$0 intro for the first year, $95 after
Earn 50000 bonus miles once after spending $3,000 on purchases within the first 3 months from account opening.
HSBC Cash Rewards Mastercard® credit card
$0 per transaction
$0
Earn unlimited 1.5% cash rewards on purchases.
Bank of America® Premium Rewards® Credit Card
$0 per transaction
$95
Earn unlimited 2 points for every $1 spent on travel and dining purchases and 1.5 points for every $1 spent on all other purchases.
Uber Visa Card
0% of transaction value
$0
Get 4% points back on dining, 3% on travel, 2% on Uber rides and online shopping and 1% on other purchases, and redeem points for Uber credits, gift cards or cash back.
Chase Sapphire Reserve®
0% of transaction value
$450
Earn 50000 BONUS POINTS after spending $4,000 on purchases in the first 3 months from account opening* — that's $750 toward travel when you redeem through Chase Ultimate Rewards®.
The Platinum Card® from American Express
0% of transaction value
$550
Get 5X Membership Rewards® points on flights booked directly with airlines or with American Express Travel and 5X points on eligible hotels booked on amextravel.com.
United℠ Explorer Card
0% of transaction value
$$0 intro annual fee for the first year, then $95
40,000 bonus miles after you spend $2,000 on purchases in the first 3 months from account opening.* Plus a $100 statement credit after your first purchase.

Compare up to 4 providers

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    How much should I budget for my trip to Greece?

    Despite problems in the Greek economy, it’s still on the expensive side to travel to Greece. Budget travelers should plan on $50 a day, while mid-range to luxury travelers can expect to pay between $150 to $350 a day, or higher if you plan to visit more than one of its 200 islands.

    GreeceBudgetMid-rangeExpensive
    sleepSleepHostels
    $20 dollars per night
    Hotel room (depending on season and location)
    $30–$80 per night
    5-star hotel in Mykonos with a sea view and a private pool
    $2,500 a night
    foodEatGyros
    $1.50–$3
    Meal of traditional greek food and wine for two
    $20–$30
    Fine dining overlooking the sea
    $200–$300 per couple
    cameraDoWalk around the fascinating ruins,
    wander through seaside towns and lounge on the beach
    Free!
    Get a ferry ticket for an island hopping adventure
    $15–$50
    Luxury cruises from Athens to Istanbul for around
    $3,500.

    *Prices are approximate and based on summer seasonality and are subject to change.

    Did you know?

    While there is no limit to the amount of cash you can bring into Greece, you must declare anything over 10,000 euros. Traveler’s checks, bills, personal checks and money orders are all considered cash. There are restrictions on the amount of money you can take out, but the majority of people don’t need to worry about this limit.

    Exchanging cash at Greek banks

    Greek banks tend to have the best exchange rates and are open from 8 a.m. to 2 p.m, but be prepared to wait as long lines are typical. While you’ll find ATMs in most tourist areas, but they usually charge a big fee.

    Exchange rate history

    As a result of an economic crisis, Greece experienced a period of unstable deflation and inflation over the last few years. The price of goods and services relative to the value of the currency is likely to change as the economy improves.

    USD to EUR for the last 10 days

    Jun 08 Jun 09 Jun 10 Jun 11 Jun 12 Jun 13 Jun 14 Jun 15 Jun 16 Jun 17
    1 USD = 0.8489 Inverse: 1.1781 0.8492 Inverse: 1.1775 0.8486 Inverse: 1.1784 0.8494 Inverse: 1.1773 0.8512 Inverse: 1.1748 0.8472 Inverse: 1.1804 0.8648 Inverse: 1.1564 0.8606 Inverse: 1.1620 0.8606 Inverse: 1.1620 0.8626 Inverse: 1.1594

    USD to EUR for the last 10 months

    Aug 2017 Sep 2017 Oct 2017 Nov 2017 Dec 2017 Jan 2018 Feb 2018 Mar 2018 Apr 2018 May 2018
    1 USD = 0.8503 Inverse: 1.1760 0.8377 Inverse: 1.1938 0.8496 Inverse: 1.1770 0.8490 Inverse: 1.1778 0.8506 Inverse: 1.1756 0.8152 Inverse: 1.2267 0.8020 Inverse: 1.2468 0.8133 Inverse: 1.2296 0.8109 Inverse: 1.2332 0.8460 Inverse: 1.1820

    How to send money to Greece

    Travel card, debit card or credit card?

    Though most merchants prefer cash, credit and debit cards are accepted at most larger businesses — especially aimed at tourists. Though it’s not guaranteed that every island will have ATMs, so be sure to get cash before you sail away.

    All travel money cards let you load and spend euros while avoiding foreign transaction fees.

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    How each travel money option works in Greece

    Start comparing the different ways you can spend in Greece and find the right combination for you:

    Using a prepaid travel card

    Travel cards can lock in conversion rates once you load USD. Use it for purchases without worrying about rates each time you spend — debit and credit cards often charge 3% for each transaction.

    Where you save in the conversion rates you may pay in fees. You’ll pay fees each time you load the card, ATM withdrawals and sometimes even an inactivity fee.

    Using a debit card

    A debit card could be a good travel money choice to take to Greece. You’ll have access to cash each time you come across an ATM, without carrying lots of cash on you all at once. Because you’re spending your own money, you avoid interest charges. The Charles Schwab card waives the fee for international ATM withdrawals and doesn’t charge a monthly account keeping fee.

    Using a credit card

    Credit cards are great to have for large purchases and emergencies. Find yourself a credit card that waives foreign transaction fees. Carrying a credit card gives you the added benefit of travel insurance and discounts, depending on your provider. For added savings, take advantage of the interest-free period by paying your balance in full each month.

    A credit card is a great idea to have as a backup for a large or emergency purchases. Look for cards that don’t charge a currency conversion fee and never use you your card to withdraw money from the ATM — cash withdrawals on credit can lead to hefty fees.

    Using a traveler’s checks

    Forget about traveler’s checks — the days of carrying a physical check are pretty much done. Credit, debit and travel card providers all give you a money back guarantee if you’ve genuinely been the victim of card fraud. Plus, there are fewer places than ever where you can actually cash your checks.

    Paying with cash in Greece

    Whether genuine or not, vendors in small shops seemingly never have any change. If you’re purchasing little souvenirs, presents or other bits and pieces, keep smaller denominations around to avoid the losing money . You can change larger notes at banks, although even banks will sometimes give you a hassle about changing more than 500 euros.

    Always have an emergency supply of cash and a back-up card you can use over the counter in case of emergencies.

    Using ATMs

    Don’t be afraid to try the ATMs that don’t have signs written in english. Often, especially during tourist season, ATMs with english signs will run out of money first. Even if the machine is in Greek, when you insert a foreign card the ATM display will usually pop up in English.

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    Buying euros in the US

    having euros in your pocket when you land can give you peace of mind for the start of your trip, as we’ve heard stories about empty ATMs. Your bank will be able to give you euros in cash, but have a look at Travelex for money transfers, as it offers competitive rates and has shops at major airports where you can grab your cash right before you hop on the plane.

    Why you need a combination of travel money options

    A combination of travel money products is the best way to finance your Greek trip, especially since there may be times when you can’t get cash from an ATM. Try to get a card that has no fee for foreign transactions and never use your credit card at an ATM to get cash. A credit card cash advance charges fees and immediate interest charges that come with it.

    Interview with Jessica about spending money while on her trip to Greece

    Jessica visited Athens, the Greek capital and a large Greek island, Ios.

    What cards did you take with you?

    • Barclaycard Arrival Plus World Elite Mastercard
    • Bank of America debit card

    Why did you take these cards? Jessica took these two cards with her because they were the credit card and debit card she used in at home. She also exchanged dollars to euros before she left the country so she had money to pay for immediate expenses when she landed.

    What about ATM withdrawals? She used her debit card to withdraw money from ATMs in Greece. She looked for the Visa logo on the front of ATMs and her Visa card worked every time. Jessica says she didn’t encounter any ATMs that were out of cash — although she heard of other travelers who ran into this problem.

    She used a special passport case that protected her credit cards from scanners at ATMs throughout the city. She knew that scanners, the the aim at stealing credit card numbers was common in Europe.

    She was charged an international and local ATM fee of about $10 each time she made an ATM withdrawal in addition to a currency conversion fee of 3%.

    Where could you use your credit cards? Excluding her airfares to and from Greece, Jessica says she only used her credit card a few times during her vacation — to book a ferry ticket to and from Ios, to pay for her accommodations and to pay for dinner at a restaurant.

    She didn’t try to use her card to pay for drinks while she was out. Instead she left her credit card at home. Most island clubs and bars could get wild, and she didn’t want to chance losing her credit card while dancing the night away.

    What do you think is the best travel money for Greece? Jessica was able to get her Barclaycard right before she left on her trip. This was idea because it waived the currency conversion and international ATM fees. She calculates that she saved about $60 to $70 on international transaction and ATM charges over the course of a three-week vacation.

    Do you have any Greek travel money tips? Jessica says she got a better price paying cash in some places, especially on the smaller islands. She also recommends keeping 10 and 20 euro notes handy for shopping as she had a little trouble getting change for 50 euros when she was buying souvenirs in Ios.

    Why you’ll need a combination of travel money options

    If you are planning a trip to Greece, do some research and choose a travel money product that suits you. You’re going to have to take multiple cards so you can really relax on your trip to Greece — having only one card just isn’t going to cut it.

    Get travel insurance quotes for your vacation in Greece

    Details Features
    Seven Corners Trip Protection Insurance
    Seven Corners Trip Protection Insurance
    Travel with a smile - protect your trip cost, your medical expenses, & your belongings.
    • Emergency Accident & Sickness Medical Expenses up to $250,000
    • Trip Cancellation – 100% of Trip Cost
    • Trip Interruption – up to 150% of Trip Cost
    • Political Evacuation - $20,000
    • Lost, Stolen or Damaged Baggage – up to $2,500
    • Emergency Medical Evacuation – up to $1 million
    Go to site More info
    Travelex Travel Max
    Travelex Travel Max
    TravelEx's most comprehensive protection plan for the comprehensive traveler. Offers optional Cancel For Any Reason upgrade.
    • Trip Cancellation - 100% of Insured Trip Cost
    • Trip Interruption - 150% of Insured Trip Cost
    • Trip Delay - $1000
    • Medical Expense Benefits - $100,000
    Go to site More info
    RoamRight Travel Insurance Essential
    RoamRight Travel Insurance Essential
    RoamRight’s Essential travel insurance package can be broken down into three critical parts: Trip Cancellation insurance, tourist health insurance, and baggage insurance.
    • Cancellation Cover - 100% Cost of Trip
    • Emergency Medical Expenses - $15,000
    • Emergency Evacuation and Repatriation - $150,000
    • Baggage and Personal Effects Cover - $750
    Go to site More info
    STA Travel Standard International
    STA Travel Standard International
    Get affordable cover for the essentials of options with STA's mid-level cover policy. This option will still provide up to $1500 in luggage cover and up to $100,000 in medical cover.
    • Trip Cancellation Cover - 100% of trip cost insured up to $10,000
    • Emergency Medical Expenses Cover - Up to $100,000
    • Baggage and Personal Effects - Up to $1,500
    • Trip Delay - Up to $500
    Go to site More info
    RoamRight Travel Insurance Preferred
    RoamRight Travel Insurance Preferred
    As the name implies, the Preferred package provides coverage for most trips and vacations.
    • Cancellation Cover - 100% Cost of Trip
    • Emergency Accident & Medical Expenses - $50,000
    • Emergency Evacuation and Repatriation - $500,000
    • Accidental Death and Dismemberment - $10,000
    Go to site More info
    Travelex Cancel for Any Reason
    Travelex Cancel for Any Reason
    Cancel For Any reason upgrade available with the Travel Max plan. Cancel for any reason - no questions asked.
    • Reimburses up to 75% of the insured trip cost
    • 100% cover if delayed to departure and loose at least 30%
    Go to site More info
    Atlas Travel
    Atlas Travel
    Provides customizable coverage for specific losses. Cover can be tailored to provide a balance between the basic essentials and premium cover.
    • Illness and Injury Cover - Up to $1 million
    • Emergency Medical Evacuation - Up to $1 million
    • Lost Checked Luggage - Up to $500
    • Travel Delay - $100/day up to 2 days
    Go to site More info
    Atlas Premium
    Atlas Premium
    Provides quality cover for a range of benefits with higher cover limits. Premium plan is perfect for travellers with health concerns looking for total protective cover.
    • Illness and Injury Cover - Up to $2 million
    • Emergency Medical Evacuation - Up to $1 million
    • Lost Checked Luggage - Up to $1,000
    • Travel Delay - $200/day up to 2 days
    Go to site More info
    Travelex Flight Insure Plus
    Travelex Flight Insure Plus
    Provides option to choose between different levels of flight insurance protection.
    • Flight Accident AD&D - Up to $1 Million
    • Baggage - $2,000
    • Medical Expense Benefits - $2,500
    • Medical Evacuation / Repatriation - $25,000
    Go to site More info
    STA Travel Explorer Plus
    STA Travel Explorer Plus
    Get premiere cover for a whole range of options with STA's premium policy. This option will still provide up to $100,000 in medical expense cover and up to $3,000 in cancellation cover.
    • Trip Cancellation Cover - $3,000
    • Emergency Medical Expenses Cover - Up to $100,000
    • Baggage and Personal Effects - Up to $2,500
    • Trip Delay - Up to $1,000
    Go to site More info
    Allianz Domestic Travel Insurance
    Allianz Domestic Travel Insurance
    Allianz Domestic Travel Insurance makes sure you are covered incase your planned trip unexpectedly goes awry.
    • Trip coverage - Depends on plan
    • Baggage coverage - Up to $1,000
    • 24-hour hotline assistance
    • Existing medical coverage - Up to $500,000
    Go to site More info
    Allianz International Travel Insurance
    Allianz International Travel Insurance
    If you frequently travel abroad and want extra coverage in case you get sick, injured, or need to cancel your trip, Allianz International Travel Insurance is the perfect solution.
    • Trip coverage - Depends on plan
    • Baggage coverage - Up to $1,000
    • 24-hour hotline assistance
    • Existing medical coverage - Up to $1,000,000
    Go to site More info

    You might also be interested in

    Greece is a magical destination with much to discover for any kind of traveler. If you are planning a trip to Greece, do some research, decide the kind of trip you would like and choose a travel money product that suits you.

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    Kyle Morgan

    Kyle Morgan is a writer and editor for finder.com who has worked for the USA Today network and Relix magazine, among other publications. He can be found writing about everything from the latest car loan stats to tips on saving money when traveling overseas. He lives in Asbury Park, where he loves exploring new places and sipping on hoppy beer. Oh, and he doesn't discriminate against buffalo wings — grilled or fried are just fine.

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