Our pick for travel credit card
American Express® Gold Card
Finder rating: 4.6/5
Travel should be about adventure, discovery and relaxation. You’ll find that when you explore the largest synagogue in Europe, Memento Park and Budapest, considered the “Paris of the East”.
Our guide breaks down how to use cash and cards — and Hungarian forint — without the extra fees that come with international trips
Our pick for travel credit card
American Express® Gold Card
Our pick for multi-currency debit card
Our pick for 0% transaction fee debit card
The easiest and cheapest route to spending is a travel-friendly card that doesn’t charge for international ATM withdrawals — bonus if it also has no currency conversion fee. Visa and Mastercard are widely accepted under the Maestro and Cirrus brands. While you can probably get by in Budapest with your card, it’s important to know that most businesses are still cash-based outside the capital and some provincial cities.
Don’t just rely on one product. Debit cards let you spend your own money but a credit card will protect you in emergencies. With so much to see and do in Hungary, it makes sense to get your finances in order before you arrive. Your budget should pay for your travel experiences, not bank fees.
You won’t have any trouble using a credit card in Hungary — although American Express is accepted at fewer places. 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.
Cards that offer travel perks and waive fees often charge an annual fee, so make sure the fee is worth it before you bring it along on your travels. If you’re ever in a jam, credit cards also offer cash advances, though we don’t recommend it. You’ll pay high fees and interest rates apply the moment you get your money.
A debit card could be a good travel money choice to take to Hungary. 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. Find a bank that waives international ATM fees and doesn’t charge a monthly account keeping fee.
It makes sense to take a card that doesn’t charge for currency conversion when you’re spending in a currency other than US dollars. You’ll also find that some Hungarian Banks don’t charge local ATM operator fees — so you’re only on the hook for the exchange rate.
No travel cards support Hungarian forint, so look for a card that waives currency conversion fee, such as Travelex. It won’t charge for currency conversion when you spend in lira, which can be higher than what you’d pay if you use your regular debit or credit card. The downside is these cards charge a couple of dollars for international ATM withdrawal in Hungary. Load these cards with euros to use at some merchants— but don’t count on it. And you won’t get the best exchange rate.
Today, traveler’s checks are unnecessary. Security is the main advantage of traveler’s checks, but now card providers have money back guarantees if you’re the victim of card fraud too. Check our guide on how to avoid credit card fraud.
If you want Hungarian currency once you arrive in Hungary, look at money exchange services like Travelex. You can buy Hungarian forints and pickup the cash at major airports or from one of the many Travelex locations throughout the US.
The Hungarian forint sits at roughly 250 to 300 forint to 1 dollar. If you arrive in Hungary without cash, you can withdraw forints from an ATM or you can exchange funds at the airport — for a poor rate. Just change a small amount to get you to the main city.
Foreign currency exchange spots are very accessible in Budapest and in smaller cities, towns and frequented tourist hot spots like Lake Balaton — most will charge a small commission.
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ATMs are everywhere in Budapest and widely available in other small cities, towns and villages. Hungarian banks do not charge additional ATM usage fees, so the amount it costs to take money out from an ATM will depend on the fees from your bank.
Third party ATMs are also common in Hungary and often found at gas stations and in bars, but many charge a flat rate for usage. Almost all ATMs will ask upfront if you prefer English, German or Hungarian.
Hungary is no longer the dirt-cheap destination it was before joining the EU, but it’s among the most affordable countries in Europe. Though travelers to Hungary and Budapest will still be surprised how far their dollar will go, especially after leaving the big cities. Budget travelers can get by on less than $40 a day, while mid-range travelers could budget less than $100. There are plenty of opportunities to indulge while in Budapest.
Official statistics estimate that the daily costs of living and traveling in Hungary are between one-third to one-half when compared with Western Europe. All prices are in US dollars.
|Luxury vacation||Budget vacation|
|Meals||Feats on gourmet Hungarian and international food and wine at one of Budapest’s celebrated restaurants.|
$120 per person
|Munch on street food or eat in one of the many cafeteria – style eateries around the city.|
$1.50–$4.00 per meal
$1.25 for a half-liter of beer
|Activities||The ballet at the National Opera Theatre.|
$80 per ticket
|City’s nightlife quarter any night of the week for live music, hole-in-the-wall venues, exhibitions and parties.|
|Accomodation||A night in one of Budapest’s famous 5-star hotels.|
$275 per night
$10 per night for off-season, double it for the summer
Prices are approximate and are subject to change.
What travel money tips do you have for Hungary?
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