Travel money guide: Scotland

Use a card without foreign transaction fees and carry cash for incidentals.

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As a part of the United Kingdom, Scotland is a safe place for all kinds of payment methods. You can use plastic for hotel stays, dining, supermarkets, gas and even for smaller establishments like local bars. Still, some places, like a family-owned B&B, may take only cash. To make sure you’re always covered, consider carrying a combination of cash and plastic.

Our pick for use in Scotland

Capital One® VentureOne® Rewards Credit Card

  • Earn 1.25x miles on all purchases; 10x miles on purchases made through until January 2020
  • Earn 20,000 bonus miles once you spend $1,000 within your first 3 months when you open your account
  • Get 0% intro APR on purchases for your first 12 months, a variable APR of 13.49% – 23.49% applies thereafter
  • No annual fee
  • No foreign transaction fee
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See Rates & Fees

Compare travel cards for Scotland

Name Product Welcome offer Rewards Annual fee Filter values
Capital One® VentureOne® Rewards Credit Card
20,000 miles after spending $1,000 in the first 3 months
1.25x miles on all purchases and 10x miles at
Earn 20,000 bonus miles once you spend $1,000 on purchases within the first 3 months from account opening.
Citi Rewards+℠ Card
Earn 15,000 points after spending $1,000 in the first 3 months
Earn 2x points at supermarkets and gas stations on up to $6,000 annually, then 1x points after that and on all other purchases
The only credit card that automatically rounds up to the nearest 10 points on every purchase - with no cap.
Gold Delta SkyMiles® Credit Card from American Express
30,000 miles after spending $1,000 in the first 3 months, plus $50 when you make a Delta purchase in the same timeframe
2x miles on Delta purchases and 1x miles on all other purchases
$0 intro annual fee for the first year ($95 thereafter)
Earn 30,000 miles after spending $1,000 in the first 3 months, plus $50 when you make a direct Delta purchase in the same timeframe. Rates & fees
CardMatch™ from
See terms
See terms
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Can't decide on a card? Get personalized credit card offers with CardMatch™.
Chase Sapphire Preferred® Card
60,000 points after spending $4,000 in the first 3 months
5x points on Lyft, 2x points on travel and dining and 1x points on all other purchases
Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months.

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Travel card, debit card or credit card?

All major card networks are widely accepted in Scotland. Just make sure your card has no foreign transaction fees, otherwise, you could pay a fee up to 3% of every purchase made abroad. Another way to save money is to avoid conversion fees by paying in local currency.

If you’re looking to make cash withdrawals, consider using a debit card to avoid cash advance APRs and fees. You could also try withdrawing money with a prepaid travel card, but only if it’s loaded with British pounds. Otherwise, you’ll pay a foreign transaction fee, which is higher than what debit cards incur.

Pros and Cons of travel money options in Scotland

Travel money option Pros Cons
Debit cards
  • No cash advance fee
  • No cash advance APR
  • No overdraft
  • Weak or no rewards
  • No access to a credit line
  • Potential foreign transaction fees up to 3%.
  • Potential ATM withdrawal fees
Prepaid travel money cards
  • Can load multiple currencies
  • No cash advance APR
  • No links to your bank account
  • Many fees
  • May take time to load
  • No rewards
Credit cards
  • Credit line access
  • Rewards
  • May come with travel insurance and coverage
  • May come with concierge service
  • Cash advance fees on ATMs
  • Cash advance APR on ATMs
Traveler’s checks
  • Security
  • Not accepted everywhere
  • Fees for purchasing and cashing checks
  • Payment flexibility
  • Convenience
  • No need for ATMs
  • High risk of theft

How credit cards, debit cards and travel cards work in Scotland

Using a credit card

Using a credit card without foreign transaction fees in Scotland gives you the best exchange rates on all of your purchases.

If you frequently travel to Scotland, consider an airline cobranded card. You can save money on flights, checked bags, lounge access and more. Alternatively, consider a travel credit card to get rewards on your travel purchases, travel insurance, luggage insurance, car rental insurance and more.

Using a debit card

Debit cards can be a great option for cash withdrawals in Scotland. Some debit cards have no foreign transaction fees and no ATM withdrawal fees.

What are the best travel debit cards?

Using a prepaid travel card

Using a prepaid travel card is a particularly safe option as they are not linked to your bank account. However, travel cards come with many fees that make them an expensive alternative to credit and debit cards.

Prepaid travel cards explained

Using traveler’s checks

Traveler’s checks can be an expensive, inconvenient option. They incur a number of fees, including a foreign exchange fee, and many shops and hotels do not accept them. You’ll have to cash your checks in at exchange bureaus or banks, which will cost you time and more fees.

Traveler’s checks quide

Paying with cash

Having cash in your wallet is always useful wherever you are. In Scotland, you’ll need cash to pay for taxis, incidentals, small purchases and tips. You can take US dollars with you and exchange them at the airport or make an ATM withdrawal.

What’s the Scottish currency and where can I get the best exchange rate?

Scotland uses the British pound with a symbol £ and a currency code GBP.

Banks typically have the best exchange rate for cash. You can also make an ATM cash withdrawal, which also comes with an excellent exchange rate. But make sure you use a debit card without foreign transaction fees or ATM withdrawal fees.

Using money transfers to safely travel with cash

WorldRemit lets you send money to Scotland before you depart. Once you’re in Scotland, you can pick up your cash from a local WorldRemit agent.

But before you make the transfer, you’ll need to provide a Scottish address and a phone number. If you’re without one, WorldRemit recommends using the address of the place you’ll be staying at in case the local agent needs to contact someone.

What’s the current USD to EUR exchange rate?

Compare money transfer services for Scotland

Min. Transfer Amount Transfer Speed Online Transfer Fee Rate Amount Received Description CTA Details
USD 1 1 - 2 days USD 0.00 0.897 EUR 4,484 Offering no maximum and no minimum limit transfers with $0 fees. Go to site Show details
USD 1 1 - 2 days USD 40.00 0.9 EUR
Enjoy high maximum transfers into more than 20 currencies while saving up to 90% over local banks. Go to site Show details
USD 1 Within an hour USD 3.99 0.897 EUR 4,480 Use promo code 3FREE to send your first 3 transfers with no fee. Send to 110+ countries for bank-to-bank deposit, cash pickup or mobile top-up. Go to site Show details
GBP 1,000 1 - 2 days USD 0.00 0.891 EUR 4,457 Exclusive: Minimum transfer of $1,000 for Finder readers (normally $5,000).
For larger transfers, get no transaction fees and no maximum send limits.
Go to site Show details
USD 1,000 1 day USD 0.00 0.891 EUR 4,457 No-maximum limit transfers with competitive exchange rates for 100+ currencies. Go to site Show details
USD 5,000 1 day USD 0.00 0.891 EUR 4,457 Venstar will support you through the entire process of your international transactions, from start to finish. Go to site Show details

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Case study: Roslyn’s experience

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Roslyn McKenna

I visited Scotland with friends in October 2018. I used my Quicksilver card just about everywhere because it offers no foreign transaction fees and a flat cashback rate on everything. Credit cards are even accepted in rural areas like Inverness and Aberfeldy. I also brought some cash for small transactions and exchanged it at London Heathrow at a fair rate.

The only issue I encountered was the new scanning credit card machines. I’d researched to make sure I had the newer chip-and-PIN card when going to Japan, but I didn’t know Europe and the UK have already switched over to new scanning styles. There were several places my card wasn’t accepted, like at Tesco supermarkets, because it could only be inserted or swiped.

If you’re going abroad, I recommend bringing a solid cashback card that doesn’t charge for foreign transactions and uses the most up-to-date payment style.


Credit cards from such major networks as Visa, Mastercard, American Express or Discover, are widely accepted in Scotland. They are best used for purchases where it’s possible to earn rewards, while debit cards are best used for ATM cash withdrawals. Prepaid travel cards can also work if you load them with British pounds.

But whichever card you choose, make sure it comes without foreign transaction fees.

If you’re still not certain which payment method will work best while traveling to Scotland, check out our travel money guide page.

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