{"id":209173,"date":"2019-06-26T14:24:01","date_gmt":"2019-06-26T13:24:01","guid":{"rendered":"https:\/\/www.finder.com\/uk\/?p=209173"},"modified":"2026-10-21T14:14:41","modified_gmt":"2026-10-21T13:14:41","slug":"iceland","status":"publish","type":"post","link":"https:\/\/www.finder.com\/uk\/travel-money\/iceland","title":{"rendered":"Best ways to spend travel money in Iceland"},"content":{"rendered":"<div class=\"keyTakeaways\">\n  <div class=\"keyTakeaways__header\">\n          <svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"32\" height=\"21\" viewbox=\"0 0 314.16 201.03\" fill=\"none\">\n  <path d=\"M212.32,190.62c-19.66,0-38.8-6.44-54.42-18.24-15.63,11.79-34.77,18.24-54.42,18.24-49.84,0-90.39-40.55-90.39-90.39V9.83h199.24c49.84,0,90.39,40.55,90.39,90.39s-40.55,90.39-90.39,90.39Z\" fill=\"white\"><\/path>\n  <path d=\"M212.32,15.9c46.57,0,84.33,37.75,84.33,84.33h0c0,46.57-37.75,84.33-84.33,84.33h0c-20.75,0-39.74-7.51-54.42-19.94-14.69,12.43-33.68,19.94-54.42,19.94h0c-46.57,0-84.33-37.75-84.33-84.33V15.9h193.18M212.32,3.76H7.01v96.46c0,53.19,43.27,96.46,96.46,96.46,19.47,0,38.46-5.92,54.43-16.84,15.96,10.91,34.95,16.84,54.42,16.84,53.19,0,96.46-43.27,96.46-96.46S265.51,3.76,212.32,3.76h0Z\" fill=\"#232320\"><\/path>\n  <path d=\"M216.34,90.21c.19-1.69,1.76-2.87,3.43-2.6,11.91,1.94,22.41-7.31,20.93-20.1-.45-3.93-2.28-6.56-4.43-9.31-1.05-1.35-.74-3.34.71-4.26,15.6-9.82,31.64-1.91,40.78,13.29,11.21,18.64,11.54,47.15.53,65.94-15.41,26.3-42.91,23.48-56.04-3.04-6.09-12.29-7.47-26.4-5.92-39.93Z\" fill=\"#232320\"><\/path>\n  <path d=\"M105.92,90.21c.19-1.69,1.76-2.87,3.43-2.6,11.91,1.94,22.41-7.31,20.93-20.1-.45-3.93-2.28-6.56-4.43-9.31-1.05-1.35-.74-3.34.71-4.26,15.6-9.82,31.64-1.91,40.78,13.29,11.21,18.64,11.54,47.15.53,65.94-15.41,26.3-42.91,23.48-56.04-3.04-6.09-12.29-7.47-26.4-5.92-39.93Z\" fill=\"#232320\"><\/path>\n<\/svg>        <h3 data-toc=\"false\">Key takeaways<\/h3>\n  <\/div>\n\n    <ul>\n          <li>Iceland\u2019s currency is the kr\u00f3na.<\/li>\n          <li>Most ATMs charge a fee to withdraw cash.<\/li>\n          <li>Choose a debit card with low fees (or no fees) for travel <a href=\"#toppicks\">from our top picks<\/a>.<\/li>\n      <\/ul>\n\n  \n  <\/div>\n<h3 id=\"toppicks\">Low cost travel money options for Iceland<\/h3><script id=\"toppicks-datalayer\">\n  window.dataLayerState = [{\"TopPicksData_cardCategory\":\"Low fees + sign-up bonus\",\"TopPicksData_providerLabel\":\"Revolut\",\"TopPicksData_primaryCta\":\"true\",\"TopPicksData_hasReward\":\"false\",\"TopPicksData_position\":1},{\"TopPicksData_cardCategory\":\"No overseas fees card \\u0026 budgeting\",\"TopPicksData_providerLabel\":\"Monzo\",\"TopPicksData_primaryCta\":\"true\",\"TopPicksData_hasReward\":\"false\",\"TopPicksData_position\":2},{\"TopPicksData_cardCategory\":\"No FX fees\",\"TopPicksData_providerLabel\":\"Wise\",\"TopPicksData_primaryCta\":\"true\",\"TopPicksData_hasReward\":\"false\",\"TopPicksData_position\":3}];\n<\/script>\n\n\n  <div id=\"toppicks\" class=\"topPicks rewards--container topPicksF1\" data-count-items=\"3\" data-desktop-count=\"3\" data-niche=\"UKFTM\" data-rewards-component=\"top-picks\">\n        <div class=\"topPicks__list\">\n      <div class=\"u-grid u-grid--alignStretch\">\n                  <div class=\"u-grid__col topPicks__col u-3\/4 u-5\/12@s u-1\/3@l\">\n            <article class=\"topPicks__card luna-card luna-card--stretch\">\n\n              <header class=\"topPicks__header\">\n                <p class=\"topPicks__category\">Low fees + sign-up bonus<\/p>\n              <\/header>\n\n              <div class=\"topPicks__body\">\n                                  <div class=\"topPicks__badgeRow\">\n                                          <p class=\"topPicks__lozenge topPicks__lozenge--promoted\"><span>Promoted<\/span><\/p>\n                                        \n                  <\/div>\n                \n                <div class=\"topPicks__nameRow topPicks__nameRow--empty\">\n                                  <\/div>\n\n                <figure class=\"topPicks__figure\">\n                                                        <img decoding=\"async\" src=\"https:\/\/www.finder.com\/niche-builder\/66db251e3e0db.png\" srcset=\"https:\/\/www.finder.com\/niche-builder\/66db251e3e0db.png\" class=\"topPicks__image\" alt=\"Revolut logo\" loading=\"lazy\">\n                                  <\/figure>\n\n                \n                <div class=\"topPicks__ctaRow\">\n                                      <a class=\"luna-button luna-button--success luna-button--fluid topPicks__cta\" href=\"https:\/\/www.finder.com\/redirect\/uk\/travel-money\/revoluttravelmoney-uk-secure.html?nb=1&amp;src_country=uk&amp;redirect_tracking_params=%7B%22placement_type%22%3A%22top_picks%22%2C%22niche_code%22%3A%22UKFTM%22%2C%22product_id%22%3A%224ddde83d-92a3-41cb-a518-97352f192ba8%22%2C%22product_name%22%3A%22Revolut%2B%22%2C%22provider_id%22%3A%22d6fc0821-41db-4faa-a3ab-cd9184210ad9%22%2C%22position%22%3A%221%22%2C%22offer_id%22%3A%2221270%22%2C%22post_id%22%3A%22209173%22%2C%22post_path%22%3A%22travel-money%252Ficeland%22%2C%22post_country%22%3A%22uk%22%7D\" rel=\"sponsored\" target=\"_blank\" data-card-position=\"1\">Go to site<\/a>\n                                  <\/div>\n\n                <div class=\"topPicks__disclaimerRow\">\n                                      <p class=\"topPicks__ctaDisclaimer\">T&amp;Cs apply<\/p>\n                                  <\/div>\n\n                \n                                <div class=\"topPicks__offerRow\">\n                                      <div class=\"topPicks__offer\">\n                      <svg class=\"topPicks__offerIcon luna-icon\" width=\"18\" height=\"18\" style=\"--fill: #1dd751\" aria-hidden=\"true\" focusable=\"false\"><use xlink:href=\"#gift\"><\/use><\/svg>\n                      <span class=\"topPicks__offerText\">\u00a320 welcome bonus<\/span>\n                                          <\/div>\n                                  <\/div>\n                \n                                  <div class=\"topPicks__descriptionRow\">\n                                          <ul class=\"topPicks__features\">\n                                                                              <li><svg class=\"topPicks__featureIcon luna-icon\" width=\"18\" height=\"18\" style=\"--fill: #008024\" aria-hidden=\"true\" focusable=\"false\"><use xlink:href=\"#check-circle-fill\"><\/use><\/svg><span>Pay like a local with excellent exchange rates<\/span><\/li>\n                                                                                                        <li><svg class=\"topPicks__featureIcon luna-icon\" width=\"18\" height=\"18\" style=\"--fill: #008024\" aria-hidden=\"true\" focusable=\"false\"><use xlink:href=\"#check-circle-fill\"><\/use><\/svg><span>Send money in 29 currencies<\/span><\/li>\n                                                                                                        <li><svg class=\"topPicks__featureIcon luna-icon\" width=\"18\" height=\"18\" style=\"--fill: #008024\" aria-hidden=\"true\" focusable=\"false\"><use xlink:href=\"#check-circle-fill\"><\/use><\/svg><span>Cashback on hotel bookings<\/span><\/li>\n                                                                        <\/ul>\n                                      <\/div>\n                              <\/div>\n\n            <\/article>\n\n                      <\/div>\n                  <div class=\"u-grid__col topPicks__col u-3\/4 u-5\/12@s u-1\/3@l\">\n            <article class=\"topPicks__card luna-card luna-card--stretch\">\n\n              <header class=\"topPicks__header\">\n                <p class=\"topPicks__category\">No overseas fees card &amp; budgeting<\/p>\n              <\/header>\n\n              <div class=\"topPicks__body\">\n                                  <div class=\"topPicks__badgeRow\">\n                                          <p class=\"topPicks__lozenge topPicks__lozenge--promoted\"><span>Promoted<\/span><\/p>\n                                        \n                  <\/div>\n                \n                <div class=\"topPicks__nameRow topPicks__nameRow--empty\">\n                                  <\/div>\n\n                <figure class=\"topPicks__figure\">\n                                                        <img decoding=\"async\" src=\"https:\/\/www.finder.com\/niche-builder\/64d4f89e1aa8f.png\" srcset=\"https:\/\/www.finder.com\/niche-builder\/64d4f89e1aa8f.png\" class=\"topPicks__image\" alt=\"Monzo logo\" loading=\"lazy\">\n                                  <\/figure>\n\n                \n                <div class=\"topPicks__ctaRow\">\n                                      <a class=\"luna-button luna-button--success luna-button--fluid topPicks__cta\" href=\"https:\/\/www.finder.com\/redirect\/uk\/travel-money\/monzo-travel-uk-secure.html?nb=1&amp;src_country=uk&amp;redirect_tracking_params=%7B%22placement_type%22%3A%22top_picks%22%2C%22niche_code%22%3A%22UKFTM%22%2C%22product_id%22%3A%224b7deca5-4152-460d-bd12-4d0074d34d61%22%2C%22product_name%22%3A%22Monzo%22%2C%22provider_id%22%3A%22571d60cb-7ae7-4360-858d-d999e56e35a5%22%2C%22position%22%3A%222%22%2C%22offer_id%22%3A%2225676%22%2C%22post_id%22%3A%22209173%22%2C%22post_path%22%3A%22travel-money%252Ficeland%22%2C%22post_country%22%3A%22uk%22%7D\" rel=\"sponsored\" target=\"_blank\" data-card-position=\"2\">Go to site<\/a>\n                                  <\/div>\n\n                <div class=\"topPicks__disclaimerRow\">\n                                      <p class=\"topPicks__ctaDisclaimer\">T&amp;Cs apply<\/p>\n                                  <\/div>\n\n                \n                                <div class=\"topPicks__offerRow\">\n                                      <div class=\"topPicks__offer\">\n                      <svg class=\"topPicks__offerIcon luna-icon\" width=\"18\" height=\"18\" style=\"--fill: #1dd751\" aria-hidden=\"true\" focusable=\"false\"><use xlink:href=\"#gift\"><\/use><\/svg>\n                      <span class=\"topPicks__offerText\">Earn interest on your holiday money with a savings pot<\/span>\n                                          <\/div>\n                                  <\/div>\n                \n                                  <div class=\"topPicks__descriptionRow\">\n                                          <ul class=\"topPicks__features\">\n                                                                              <li><svg class=\"topPicks__featureIcon luna-icon\" width=\"18\" height=\"18\" style=\"--fill: #008024\" aria-hidden=\"true\" focusable=\"false\"><use xlink:href=\"#check-circle-fill\"><\/use><\/svg><span>Make fee-free cash withdrawals<\/span><\/li>\n                                                                                                        <li><svg class=\"topPicks__featureIcon luna-icon\" width=\"18\" height=\"18\" style=\"--fill: #008024\" aria-hidden=\"true\" focusable=\"false\"><use xlink:href=\"#check-circle-fill\"><\/use><\/svg><span>Spend abroad with no fees<\/span><\/li>\n                                                                                                        <li><svg class=\"topPicks__featureIcon luna-icon\" width=\"18\" height=\"18\" style=\"--fill: #008024\" aria-hidden=\"true\" focusable=\"false\"><use xlink:href=\"#check-circle-fill\"><\/use><\/svg><span>Split costs with friends in seconds<\/span><\/li>\n                                                                        <\/ul>\n                                      <\/div>\n                              <\/div>\n\n            <\/article>\n\n                      <\/div>\n                  <div class=\"u-grid__col topPicks__col u-3\/4 u-5\/12@s u-1\/3@l\">\n            <article class=\"topPicks__card luna-card luna-card--stretch\">\n\n              <header class=\"topPicks__header\">\n                <p class=\"topPicks__category\">No FX fees<\/p>\n              <\/header>\n\n              <div class=\"topPicks__body\">\n                                  <div class=\"topPicks__badgeRow\">\n                                          <p class=\"topPicks__lozenge topPicks__lozenge--promoted\"><span>Promoted<\/span><\/p>\n                                        \n                  <\/div>\n                \n                <div class=\"topPicks__nameRow topPicks__nameRow--empty\">\n                                  <\/div>\n\n                <figure class=\"topPicks__figure\">\n                                                        <img decoding=\"async\" src=\"https:\/\/www.finder.com\/niche-builder\/66db25e6c6685.png\" srcset=\"https:\/\/www.finder.com\/niche-builder\/66db25e6c6685.png\" class=\"topPicks__image\" alt=\"Wise logo\" loading=\"lazy\">\n                                  <\/figure>\n\n                \n                <div class=\"topPicks__ctaRow\">\n                                      <a class=\"luna-button luna-button--success luna-button--fluid topPicks__cta\" href=\"https:\/\/www.finder.com\/redirect\/uk\/travel-money\/wise-multucyrrency-uk-secure.html?nb=1&amp;src_country=uk&amp;redirect_tracking_params=%7B%22placement_type%22%3A%22top_picks%22%2C%22niche_code%22%3A%22UKFTM%22%2C%22product_id%22%3A%22bf57b237-53f7-4885-adc9-f9fb9275c9b7%22%2C%22product_name%22%3A%22Wise%2BMulti-currency%2BAccount%22%2C%22provider_id%22%3A%2223bc3143-484a-4e3e-ae68-28e0f4ccea79%22%2C%22position%22%3A%223%22%2C%22offer_id%22%3A%2225128%22%2C%22post_id%22%3A%22209173%22%2C%22post_path%22%3A%22travel-money%252Ficeland%22%2C%22post_country%22%3A%22uk%22%7D\" rel=\"sponsored\" target=\"_blank\" data-card-position=\"3\">Go to site<\/a>\n                                  <\/div>\n\n                <div class=\"topPicks__disclaimerRow\">\n                                      <p class=\"topPicks__ctaDisclaimer\">T&amp;Cs apply<\/p>\n                                  <\/div>\n\n                \n                                <div class=\"topPicks__offerRow\">\n                                      <div class=\"topPicks__offer\">\n                      <svg class=\"topPicks__offerIcon luna-icon\" width=\"18\" height=\"18\" style=\"--fill: #1dd751\" aria-hidden=\"true\" focusable=\"false\"><use xlink:href=\"#gift\"><\/use><\/svg>\n                      <span class=\"topPicks__offerText\">More than 150 countries<\/span>\n                                          <\/div>\n                                  <\/div>\n                \n                                  <div class=\"topPicks__descriptionRow\">\n                                          <ul class=\"topPicks__features\">\n                                                                              <li><svg class=\"topPicks__featureIcon luna-icon\" width=\"18\" height=\"18\" style=\"--fill: #008024\" aria-hidden=\"true\" focusable=\"false\"><use xlink:href=\"#check-circle-fill\"><\/use><\/svg><span>Open an account in minutes<\/span><\/li>\n                                                                                                        <li><svg class=\"topPicks__featureIcon luna-icon\" width=\"18\" height=\"18\" style=\"--fill: #008024\" aria-hidden=\"true\" focusable=\"false\"><use xlink:href=\"#check-circle-fill\"><\/use><\/svg><span>Use in more than 150 countries<\/span><\/li>\n                                                                                                        <li><svg class=\"topPicks__featureIcon luna-icon\" width=\"18\" height=\"18\" style=\"--fill: #008024\" aria-hidden=\"true\" focusable=\"false\"><use xlink:href=\"#check-circle-fill\"><\/use><\/svg><span>2 free cash withdrawals per month<\/span><\/li>\n                                                                        <\/ul>\n                                      <\/div>\n                              <\/div>\n\n            <\/article>\n\n                      <\/div>\n              <\/div>\n    <\/div>\n  <\/div>\n\n\n\n<div id=\"toppicks-methodology\" class=\"topPicksMethodology--shortcode luna-accordionGroup accordionGroup\">\n    <div class=\"luna-accordion\" data-accordion=\"accordion\">\n        <div class=\"luna-accordion__summary\">\n            <h4 class=\"luna-accordion__heading\">\n                <button class=\"luna-accordion__action collapsed\" aria-expanded=\"false\" aria-controls=\"methodology-expander-0000000001\" data-toggle=\"collapse\" data-target=\"#methodology-expander-0000000001\">\n                    <span class=\"luna-accordion__title\">How we chose these accounts<\/span>\n                    <svg class=\"luna-icon topPicksMethodology__toggleIcon\" aria-hidden=\"true\">\n                        <use xlink:href=\"#chevron-down\" data-toggle-icon=\"show\" class=\"topPicksMethodology__toggleIcon-down\"><\/use>\n                        <use xlink:href=\"#chevron-up\" data-toggle-icon=\"hide\" class=\"topPicksMethodology__toggleIcon-up is-hidden\"><\/use>\n                    <\/svg>\n                <\/button>\n            <\/h4>\n        <\/div>\n        <div class=\"luna-accordion__details collapse\" aria-hidden=\"true\" id=\"methodology-expander-0000000001\" data-accordion=\"details\" style=\"height: 0px;\">\n            <div class=\"accordionContent\">The accounts shown above are promoted picks. If we show a \"Promoted for\" pick, this means it's been chosen from among our partners and is based on factors that include special features or offers, and the commission we receive. Keep in mind that our picks may not always be the best fit for you, and it's important to compare for yourself to find a product that works for you.<\/div>\n        <\/div>\n    <\/div>\n<\/div>\n<p>The best way to take travel money to Iceland is to use a card with low or no currency conversion fees, as well as one that won\u2019t charge you foreign ATM transaction charges, meaning you can withdraw, spend and use the local currency, kr\u00f3na, with ease.<\/p><h4 id=\"debit-cards\"><i class=\"icon-debit-cards-solid icon-size-large\"><\/i> Using debit cards<\/h4><p>Much like a prepaid travel money card, a <a href=\"https:\/\/www.finder.com.au\/travel-money\/debit-cards\" target=\"_blank\" rel=\"noopener noreferrer\">travel debit card<\/a> lets you spend your own money. You can use a debit card over the counter and to withdraw money from ATM where Visa and Mastercard are accepted throughout the country, which is most places.<br><a class=\"more-link-arrow\" href=\"https:\/\/www.finder.com\/uk\/debit-cards-low-foreign-transaction-fees\">Compare UK debit cards with low transaction fees<\/a><\/p><h4>Using prepaid travel cards<\/h4><p>There are a few travel cards which allow you to load, withdraw or spend kr\u00f3na \u2013 one of them being <a href=\"https:\/\/www.finder.com\/uk\/travel-money\/weswap-travel-money\" title=\"WeSwap\">WeSwap<\/a>.<\/p><ul class=\"list-4\"><li><strong>Tip:<\/strong> If you are able to use a prepaid travel card for a purchase and you\u2019re asked whether you want to pay in sterling or kr\u00f3na, always pay in the local currency. You\u2019ll lose out on the exchange rate otherwise.<\/li><\/ul><p><a class=\"more-link-arrow\" href=\"https:\/\/www.finder.com\/uk\/travel-money\/prepaid-cards\">Compare prepaid cards for travelling<\/a><\/p><h4>Using credit cards<\/h4><p>Visa and Mastercard credit cards, the majority of cards issued in the UK, are widely accepted in Iceland. The currency conversion fee (or lack thereof) is what to look for.<\/p><p>There are a handful of credit cards which let you spend in another currency without paying the extra 3%. Check with your credit card provider to see if this is a favourable option for you. But be sure to watch out for cash advance fees and charges if you make a withdrawal on credit; it\u2019s one of the most expensive ways to get cash.<\/p><ul class=\"list-4\"><li><strong>Tip:<\/strong> Some credit cards offer complimentary international travel insurance when you charge the cost of your travel ticket to your card.<\/li><\/ul><p><a class=\"more-link-arrow\" href=\"https:\/\/www.finder.com\/uk\/credit-cards\/travel-credit-cards\">Compare travel credit cards<\/a><\/p><h4>Using traveller\u2019s cheques<\/h4><p>Avoid traveller\u2019s cheques if you can \u2013 this travel money product is more hassle than it\u2019s worth in Iceland. Card payments are the norm and provide a money back guarantee if you\u2019re the victim of fraud. These features have made traveller\u2019s cheques redundant over the last few years.<\/p><h4>Using an ATM in Iceland<\/h4><p>ATMs are not as easy to find in Iceland as you might think. It\u2019s advisable to take a debit card or credit card with you that won\u2019t charge high transaction fees. This means you\u2019ll avoid searching for an ATM if you run out of cash.<\/p><h4>Paying with cash in Iceland<\/h4><p>Very few locals use cash to pay for purchases or carry it around with them. The most popular form of payment is via debit or credit cards, which can be used in pretty much any transaction.<\/p><h4>Exchanging cash<\/h4><p>Exchanging cash can be a tricky affair in Iceland as ATMs are sometimes few and far between, especially in remote areas. Our best advice is to arrange to collect your local currency before you fly to Iceland to get the best rate. If not, withdraw your Icelandic currency at Keflavik Airport. While you may be charged a small fee, this is the safest option for withdrawing local currency in Iceland.<\/p><h3>How much money to take<\/h3><p>One of the most important things to remember when travelling to the country is that locals are not big on carrying money, which means the preferred payment method is either debit or credit cards.<\/p><p>The only exception to this is on city buses or in public toilets where you\u2019ll often have to pay the exact amount in change.<\/p><p>But it will still serve you well to have a little bit of cash on you. If you haven\u2019t collected this before flying to Iceland we highly recommend withdrawing Icelandic currency at Keflavik Airport.<\/p><p>This is because some areas of the country are pretty remote and there aren\u2019t too many banks or ATMs around. While there are multiple options in Reykjavik, if you are going outside of the city and you want cash currency in Iceland, you need to be prepared.<\/p><p>There will, of course, be a small fee for withdrawing Icelandic money, but it\u2019s better to have some rather than none at all should you need it during your trip.<\/p><h3 id=\"howmuch\">How much money do I need to bring to Iceland?<\/h3><p>It\u2019s true that a holiday in Iceland is one of the most expensive in Europe. While you should use a debit or credit card for your trip, it will help to know how much to budget for and put aside.<\/p><p>There are five main categories of spending that will go into your average costs. These include accommodation, transport, food, activities and entertainment.<\/p><p>Depending on your travel style and tendencies, it\u2019s possible to save a lot on many of these things in order to spend more on another. If you\u2019re looking to visit this beautiful Nordic nation on a budget, staying in hostels is a better alternative to the more expensive hotel rooms.<\/p><p>Likewise, a camper van can be a great option and kill two birds with one stone by taking care of your transport at the same time.<\/p><h4>Find out some typical prices in Reykjavik, Iceland<\/h4><table class=\"custom-table js-custom-table\" style=\"height: 393px;\" width=\"697\"><thead><tr><th><\/th><th style=\"text-align: center;\"><b>Budget<\/b><\/th><th style=\"text-align: center;\">Midrange<\/th><th style=\"text-align: center;\">Expensive<\/th><\/tr><\/thead><tbody><tr><td><img decoding=\"async\" class=\"wp-image-205585 aligncenter\" src=\"https:\/\/cdn.finder.com.au\/credit-cards\/wp-uploads\/bldg.png\" alt=\"bldg\" width=\"82\" height=\"84\" srcset=\"https:\/\/cdn.finder.com.au\/credit-cards\/wp-uploads\/bldg.png?fit=180 180w, https:\/\/cdn.finder.com.au\/credit-cards\/wp-uploads\/bldg.png?fit=246 246w\" sizes=\"(max-width: 246px) 100vw, 246px\" loading=\"lazy\"><\/td><td><p style=\"text-align: center;\">Hostels<\/p><p style=\"text-align: center;\">\u00a330-\u00a390 per night<\/p><\/td><td style=\"text-align: center;\">2 Star hotel<br>\u00a360 \u2013 \u00a3150 per night<\/td><td style=\"text-align: center;\">5 star hotel<br>\u00a3250 \u2013 \u00a3600 per night<\/td><\/tr><tr><td><img decoding=\"async\" class=\"wp-image-205583 aligncenter\" src=\"https:\/\/cdn.finder.com.au\/credit-cards\/wp-uploads\/utensil.png\" alt=\"utensil\" width=\"91\" height=\"89\" srcset=\"https:\/\/cdn.finder.com.au\/credit-cards\/wp-uploads\/utensil.png?fit=180 180w, https:\/\/cdn.finder.com.au\/credit-cards\/wp-uploads\/utensil.png?fit=273 273w\" sizes=\"(max-width: 273px) 100vw, 273px\" loading=\"lazy\"><\/td><td style=\"text-align: center;\">Hot dogs (very popular amongst locals)<br>\u00a35<\/td><td style=\"text-align: center;\">Dinner for two at a mid-range restaurant<br>\u00a380 \u2013 \u00a3120<\/td><td style=\"text-align: center;\">5 star restaurant set menu<br>\u00a370+ per person<\/td><\/tr><tr><td><img decoding=\"async\" class=\" wp-image-205587 aligncenter\" src=\"https:\/\/cdn.finder.com.au\/credit-cards\/wp-uploads\/camera.png\" alt=\"camera\" width=\"86\" height=\"92\" srcset=\"https:\/\/cdn.finder.com.au\/credit-cards\/wp-uploads\/camera.png?fit=180 180w, https:\/\/cdn.finder.com.au\/credit-cards\/wp-uploads\/camera.png?fit=258 258w\" sizes=\"(max-width: 258px) 100vw, 258px\" loading=\"lazy\"><\/td><td style=\"text-align: center;\">Hike to natural hot springs<br>for free!<\/td><td style=\"text-align: center;\">Whale and glaciers watching<br>\u00a365+<\/td><td style=\"text-align: center;\">Guided excursion to the Northern Lights<br>\u00a370-\u00a3100<\/td><\/tr><\/tbody><\/table><p><sub>*Prices are for example purposes only.<\/sub><\/p><h3 id=\"exchange\">Exchange rate history<\/h3><p>As of 21 October 2026, the average rate over the last 12 months was \u00a31 to 166.05 ISK. The low was 159.31 ISK and the high was 170.70 ISK.<\/p><h3 id=\"travel\">Should I use a travel card, a debit card or a credit card?<\/h3><p>In Iceland, you will have very little trouble with Visa and Mastercard acceptance. American Express is accepted in some places, but not others, so make sure to bring an alternative form of payment with you.<\/p><p>If you want to avoid extra bank fees, make use of a variety of cards and use each one for a specific purpose. For example, choose a card that won\u2019t charge you for currency conversion for over-the-counter payments and a different card for ATM withdrawals \u2013 even better if you can find a card that suits both purposes.<\/p><p>A great option for this is to use a challenger bank like Monzo or Starling, offering no transaction fees and free ATM withdrawals. You can find out more about digital banks <a href=\"https:\/\/www.finder.com\/uk\/digital-banking\">here<\/a>.<\/p><h3>A quick summary of travel money options in Iceland<\/h3><p>Now that you know what currency you\u2019ll be needing and how much of it to take, find out whether to use debit and credit cards, traveller\u2019s cheques, cash or <a href=\"https:\/\/www.finder.com\/uk\/prepaid-cards\">prepaid cards<\/a> on your trip.<\/p><h4>Debit cards for travel<\/h4><div class=\"u-grid\"><div class=\"u-grid__col u-1\/2@s\"><ul class=\"list-1\"><li>Protected by PIN security.<\/li><li>Debit cards are widely accepted in Iceland.<\/li><li>Access funds from an ATM or pay for purchases over the counter.<\/li><li>Ideal for managing your travel budget.<\/li><\/ul><\/div><div class=\"u-grid__col u-1\/2@s\"><ul class=\"list-12\"><li>Currency conversion fees on foreign transactions.<\/li><li>Lost debit cards while overseas can be easily blocked, but not easily replaced.<\/li><li>No emergency cash.<\/li><li>Few ATMs in remote areas of Iceland.<\/li><li>No back-up cards.<\/li><\/ul><\/div><\/div><h4>Prepaid travel money cards<\/h4><div class=\"u-grid\"><div class=\"u-grid__col u-1\/2@s\"><ul class=\"list-1\"><li>Protected by PIN and chip.<\/li><li>Pre-load and secure your exchange rate in multiple foreign currencies.<\/li><li>Emergency card replacement and back-up cards.<\/li><li>Ideal for managing your travel budget.<\/li><\/ul><\/div><div class=\"u-grid__col u-1\/2@s\"><ul class=\"list-12\"><li>Reloading time.<\/li><li>Currency conversion and international ATM fees.<\/li><li>May not be accepted for all transactions in Iceland.<\/li><\/ul><\/div><\/div><h4>Credit cards for travel<\/h4><div class=\"u-grid\"><div class=\"u-grid__col u-1\/2@s\"><ul class=\"list-1\"><li>Protected by PIN and chip.<\/li><li>Access to funds up to your credit limit.<\/li><li>Accepted worldwide.<\/li><li>No currency conversion or transaction fees.<\/li><li>Benefits including rewards points on spending, 0% purchases, frequent flyer perks, complimentary travel insurance.<\/li><li>Emergency card replacement.<\/li><\/ul><\/div><div class=\"u-grid__col u-1\/2@s\"><ul class=\"list-12\"><li>Can charge high withdrawal and cash advance fees.<\/li><li>Higher spending limit (depends on your approved credit limit).<\/li><\/ul><\/div><\/div><h4>Traveller\u2019s cheques<\/h4><div class=\"u-grid\"><div class=\"u-grid__col u-1\/2@s\"><ul class=\"list-1\"><li>Secure and can be easily replaced if lost or stolen.<\/li><li>Photo ID needed to cash cheques.<\/li><\/ul><\/div><div class=\"u-grid__col u-1\/2@s\"><ul class=\"list-12\"><li>Can be costly with initial purchase charges.<\/li><li>Not all merchants accept traveller\u2019s cheques.<\/li><\/ul><\/div><\/div><h4>Cash<\/h4><div class=\"u-grid\"><div class=\"u-grid__col u-1\/2@s\"><ul class=\"list-1\"><li>May be needed for rare transactions like public bathrooms or bus tickets.<\/li><\/ul><\/div><div class=\"u-grid__col u-1\/2@s\"><ul class=\"list-12\"><li>More difficult to manage expenses.<\/li><li>Higher risk of theft.<\/li><li>Icelandic locals rarely carry cash.<\/li><li><\/ul><\/div><\/div><h3 id=\"currency\">Buying currency in the UK<\/h3><p>Icelandic kr\u00f3na is a relatively common currency in the UK, and providers such as <a href=\"https:\/\/www.finder.com\/uk\/travel-money\/travelex\" title=\"Travelex Travel Money\">Travelex <\/a> will usually stock kr\u00f3na to collect before you go.<\/p><h3>Exchange rates<\/h3><p>It\u2019s worth getting a good exchange rate, as this will leave you with a little more to spend on your trip. <a href=\"https:\/\/www.finder.com\/uk\/travel-money\" title=\"Travel Money Comparison\">Compare your options<\/a> and make sure you\u2019re getting the best exchange rate possible.<\/p><h3>Bottom line<\/h3><p>Taking a debit card with no transaction or withdrawal fees is the best option for travelling to Iceland, but it\u2019s also worth taking some cash for small payments such as bus journeys or public bathrooms.<\/p><p>Visa and Mastercard are widely accepted, especially within Iceland\u2019s city regions. More remote areas may not offer ATMs, so in these situations, it\u2019s best to take cash with you.<\/p><div class=\"sources sources__f1\">\n    \n  <ul class=\"luna-accordionGroup accordionGroup\">\n    <li class=\"luna-accordion\" data-accordion=\"accordion\">\n      <div class=\"luna-accordion__summary\">\n        <h3 class=\"luna-accordion__heading\" data-toc-label=\"Sources\">\n          <button class=\"luna-accordion__action collapsed\" aria-expanded=\"false\" aria-controls=\"sources_0000000002\" data-toggle=\"collapse\" data-target=\"#sources_0000000002\">\n            <span class=\"luna-accordion__title u-text--lg u-font--bold\">Sources<\/span>\n            <svg class=\"luna-icon\" aria-hidden=\"true\">\n              <use href=\"#chevron-down\" data-accordion-icon=\"show\"><\/use>\n              <use href=\"#chevron-up\" data-accordion-icon=\"hide\" class=\"is-hidden\"><\/use>\n            <\/svg>\n          <\/button>\n        <\/h3>\n      <\/div>\n      <div class=\"luna-accordion__details collapse \" aria-hidden=\"true\" id=\"sources_0000000002\" data-accordion=\"details\">\n        <div class=\"accordionContent\">\n          <p class=\"sources__description\">Finder writers are subject matter experts and use primary sources, in-depth research and interviews with other experts to ensure you're getting accurate, up-to-date information. Articles are <a href=\"https:\/\/www.finder.com\/uk\/why-trust-us\">fact checked<\/a> in line with our <a href=\"https:\/\/www.finder.com\/uk\/editorial-guidelines\">editorial guidelines<\/a>.<\/p>\n          <ol class=\"u-pl--0 u-text--lg u-font--medium\">\n                                          <li class=\"u-leading--loose\"><a class=\"u-font--medium\" href=\"https:\/\/www.finder.com\/uk\/travel-money-statistics\" target=\"_blank\">Finder UK travel money statistics<\/a><\/li>\n                                                        <li class=\"u-leading--loose\"><a class=\"u-font--medium\" href=\"https:\/\/www.finder.com\/uk\/finder-banking-customer-satisfaction-awards-2023\" target=\"_blank\">Finder UK banking customer satisfaction awards 2023<\/a><\/li>\n                                                        <li class=\"u-leading--loose\"><a class=\"u-font--medium\" href=\"https:\/\/www.exchangerates.org.uk\/GBP-ISK-exchange-rate-history.html\" target=\"_blank\">Exchange Rates UK<\/a><\/li>\n                                    <\/ol>\n        <\/div>\n      <\/div>\n    <\/li>\n  <\/ul>\n  <\/div><article class=\"luna-card luna-card--alt\"><div class=\"luna-card__block has-padding-small\">Our \u201cBest for\u201d picks highlight top options in specific categories based on our independent evaluation (see our <a href=\"https:\/\/www.finder.com\/uk\/finder-score\">full methodology<\/a>), while \u201cPromoted\u201d tags indicate sponsored placements. 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Here's everything you need to know about the local currency and how much money to take for your trip.","_yoast_wpseo_meta-robots-noindex":"","_yoast_wpseo_meta-robots-nofollow":"","_yoast_wpseo_canonical":"","_yoast_wpseo_opengraph-title":"","_yoast_wpseo_opengraph-description":"","_yoast_wpseo_opengraph-image":"","_yoast_wpseo_opengraph-image-id":"","_yoast_wpseo_twitter-title":"","_yoast_wpseo_twitter-description":"","_yoast_wpseo_twitter-image":"","_yoast_wpseo_twitter-image-id":"","apple_news_api_created_at":"","apple_news_api_id":"","apple_news_api_modified_at":"","apple_news_api_revision":"","apple_news_api_share_url":"","apple_news_cover_media_provider":"image","apple_news_coverimage":0,"apple_news_coverimage_caption":"","apple_news_cover_video_id":0,"apple_news_cover_video_url":"","apple_news_cover_embedwebvideo_url":"","apple_news_is_hidden":"","apple_news_is_paid":"","apple_news_is_preview":"","apple_news_is_sponsored":"","apple_news_maturity_rating":"","apple_news_metadata":"\"\"","apple_news_pullquote":"","apple_news_pullquote_position":"","apple_news_slug":"","apple_news_sections":[],"apple_news_suppress_video_url":false,"apple_news_use_image_component":false,"post_is_fact_checked":"false","post_co_author":"-1","post_co_author_date":null,"post_co_author_manual_date_checked":"false","post_reviewer":"-1","post_reviewer_date":"","post_reviewer_manual_date_checked":"false","post_editor":"-1","post_editor_date":null,"post_author_date":"","post_author_manual_date_checked":"false","_last_updated_date_data":"{\"is_updated_date_published\":true,\"last_updated_date\":\"2024-03-19 14:06:18\",\"timezone_offset\":\" +00:00\",\"last_update_summary\":\"We updated this guide to ensure the information is up to date and accessible.\"}","_last_major_update":"","_search_priority":0,"feature_finder_bot_teaser_enabled":false,"feature_finder_bot_teaser_message":"","feature_finder_bot_teaser_placeholder":"","feature_finder_bot_teaser_suggestions":"","footnotes":""},"categories":[525],"tags":[2565,3026],"asset_tag":[],"class_list":["post-209173","post","type-post","status-publish","format-standard","hentry","category-travel-money","tag-latest-3","tag-travel-money"],"apple_news_notices":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v27.6.1 (Yoast SEO v27.6) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<title>Best ways to spend travel money in Iceland<\/title>\n<meta name=\"description\" content=\"Heading off to Iceland? Here&#039;s everything you need to know about the local currency and how much money to take for your trip.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.finder.com\/uk\/travel-money\/iceland\" \/>\n<meta property=\"og:locale\" content=\"en_GB\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Best ways to spend travel money in Iceland\" \/>\n<meta property=\"og:description\" content=\"Heading off to Iceland? 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