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Credit cards are accepted throughout Switzerland — one of the largest banking centers in the world. And unlike most other European countries where Visa and Mastercard are most popular, in Switzerland you’ll also find widespread acceptance of Discover and American Express credit cards as well.
Despite that, you may still need cash for taxis and small purchases.
If you’re taking along a variety of cards, debit cards and cash, read our full guide on spending money while traveling in Switzerland.
Switzerland has “high merchant acceptance” for Visa, Mastercard and even Discover. Some merchants may accept American Express, but don’t rely on it.
For cash withdrawals, look for Six Multipay and Post Finance for all cards. Amex cardholders can make cash withdrawals from ATMs of Euronet, Credit Suisse and UBS.
| Merchant acceptance | ATM acceptance | |
|---|---|---|
| Visa |  High | High |
| Mastercard | High | High |
| American Express |  Medium | High |
| Discover | High | High |
Depending on your credit card and how you use it, you could incur:
Yes. Avoid this by using a credit card without foreign transaction fees or by using local currency.
Consider a credit card without foreign transaction fees to save money on purchases made in Switzerland. You can also try a cobranded airline credit card to save money on flights, checked bags, in-flight purchases and lounge access.
Swiss International Air Lines and United Airlines are members of the Star Alliance. This means you can earn and redeem United miles on Swiss flights between the US and Switzerland.
You can save money on your purchases abroad as the two United credit cards have no foreign transaction fees.
Chip and PIN is the most common card payment method in Switzerland. They require a four-digit PIN to make cash withdrawals and to pay for purchases. Be sure to get a PIN from your bank before departing.
Credit card usage in Switzerland is very safe, but as always, use caution:
In general, carrying cash for taxis and incidentals is wise as not every merchant accepts credit cards. If you make a cash withdrawal, however, you’ll likely incur a cash advance fee and APR from the moment you make the withdrawal. Use a debit card to avoid these fees.
Some ATMs impose a withdrawal limit of 5,000 CHF. Make sure you know your bank’s limit before making a withdrawal so you don’t exceed either maximum amount.
You can learn more about spending and fund management with our travel money guide to Switzerland.
Most taxis in Switzerland only accept cash. You may find a few that do accept cards, however. Ask the driver before getting in their car or ask your hotel to call a taxi that accepts credit cards.
Alternatively, call an Uber ride to pay with your credit card through the app.
Credit cards are widely accepted throughout Switzerland. This includes all major credit card providers, including Visa, Mastercard, Discover and American Express. Be sure to also carry some cash for incidentals, taxis and small purchases.
Avoid cash advance fees and an APR by using a debit card for cash withdrawals. Use a travel credit card without foreign transaction fees to save money on purchases made abroad.
See more guides on using a credit card in other countries.
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