Andorra, nestled in the Pyrenees between France and Spain, is known for its ski slopes and tax-free shopping – but understanding money in Andorra and how to handle currency is key to making the most of your trip. Whether you’re hitting the slopes, relaxing in a spa, or browsing duty-free stores, this guide will help you travel smart. Learn what currency to bring, the best ways to get money and currency in Andorra (Euro – EUR), how to stay safe with cash, and the essential dos and don’ts. With these tips, you’ll avoid unnecessary fees and enjoy Andorra’s charm without financial stress.
How to pay in Andorra – cash or card?
In Andorra, both cash and card payments are widely accepted. The euro is the official currency, and most hotels, restaurants, and shops take Visa and Mastercard. Digital and contactless payments, including Apple Pay and Google Pay, are becoming common in main towns, but it’s still worth carrying some cash for small purchases or in more rural areas.
You can use cash for:
- Local Markets and Street Vendors: Small stalls, souvenir stands, and food markets often prefer cash.
- Public Transportation: Buses may accept cash fares directly from passengers.
- Small Businesses: Family-run shops, bakeries, and cafés sometimes prefer small cash payments.
- Hostels and Small Guesthouses: Some budget lodging may require cash, especially in remote areas.
- Tips: While not always expected, cash tips are common for guides, drivers, and service staff.
- Rural Areas: In mountain villages or remote spots, cash may be the only payment option.
You can use card for:
- Hotels: All major hotels, resorts, and larger guesthouses accept cards.
- Restaurants and Bars: Most establishments in towns and ski resorts accept Visa and Mastercard.
- Retail Stores: Shopping centers, branded outlets, and duty-free shops welcome card payments.
- Car Rentals and Ski Passes: Card payments are standard for vehicle hire and ski facilities.
- Online Purchases and Bookings: Accommodation, tours, and event tickets can be booked and paid for by card.
What’s the best currency to take to Andorra?
Andorra uses the Euro (EUR) as its official currency, so it’s the best currency to take – and really, the only one you’ll need.
Other currencies like USD or GBP are not accepted.
Where to get currency in Andorra?
There are 3 main ways to get cash in Andorra. They are:
- ATMs, or
- Banks for currency exchange, or
- Money transfer & local pick-up
Types of cards to swipe in Andorra
Visa and Mastercard transactions are commonly accepted for swiping. You might also find some places that accept Amex and other cards, albeit less frequently.
Types of cards at ATMs in Andorra
If you’re withdrawing money in Andorra from an ATM, ATMs commonly accept Visa and Mastercards. Some of them also accept Plus and Cirrus cards. Only some accept CUP, JCB, Maestro cards. Others like American Express, Diners, Discover and Rupay cards are generally not accepted.
Should I exchange money before travelling to Andorra?
If you’re travelling from Europe, there’s no need to exchange money before traveling to Andorra, as it uses the Euro (EUR). If you’re arriving from a non-Euro country, consider bringing a small amount of EUR for immediate needs like transport or snacks.
A better option is to use ATMs that are widely available throughout Andorra – including in Andorra la Vella, ski resorts, and commercial centers. Majority of them do not charge any ATM Access Fees either.
Currency exchange services are available at banks and some hotels, but rates at banks are typically better. Airport exchanges in nearby Spain or France may charge higher fees, so it’s better to withdraw or exchange money once you’re in Andorra.
Where to withdraw money in Andorra
You can withdraw money in Andorra at leading bank ATMs in the country. The best ATMs for foreigners to use in Andorra are those owned by popular banks such as:
- Andbank,
- Creand, and
- MoraBanc.
There are other banks with ATMs that also accept international debit and credit cards.
There are no known Global ATM Alliance member banks or All Points network banks in Andorra.
For a detailed guide, read Cash and ATMs in Andorra.
Where to exchange currency in Andorra
You can exchange currency in Andorra at banks mainly and some licensed currency exchange offices.
Exchange Bureaus:
Private exchange offices are limited, but you may find services in larger hotels or tourist centers, especially near the shopping districts.
YOu can use banks Offering Currency Exchange Services:
Andbank
MoraBanc
Credit Andorrà
These banks are found throughout Andorra la Vella and other towns and offer currency exchange during standard business hours (Monday to Friday, 9:00 AM to 5:00 PM).
Tip: Exchange rates may be better in neighboring Spain or France, so plan ahead if you’re entering from those countries.
You can find good currency exchanges in Andorra using the ATM Fee Saver app – it will guide you to the nearest currency exchange on the map. The app helps you with forex places in 160+ countries, including Andorra. Download now from the App Store or Play Store.
Avoid Airport Exchanges and no-fee exchange offices: They have the highest fees and poorest exchange rates. Wait to get to the city to exchange cash.
Is carrying cash in Andorra safe?
Carrying cash in Andorra is generally safe, as the country has a very low crime rate. However, it’s still wise to practice basic precautions, especially in busier areas during peak tourist seasons or when attending festivals and public events.
To safely carry cash in Andorra:
- Carry only the cash you’ll need for the day and keep extra funds secured at your accommodation.
- Use a front pocket wallet or a zippered crossbody bag for easy control.
- Avoid openly displaying cash, especially when shopping or exchanging currency.
- Be cautious in busy areas like Andorra la Vella’s shopping streets or ski resorts during peak hours.
- Use ATMs located in banks or commercial centers for added security.
- Consider using credit or debit cards, which are widely accepted in shops, restaurants, and hotels.
Is it better to use debit or credit cards or pay by cash in Andorra
Use a card if it is fee-free i.e. your bank does not charge any fees to swipe the card, when the merchant / POS also does not impose any extra charge to use a card, you need to use the insurance of the card, don’t want to block cash of large purchases and card’s swipe fees are lower than withdrawal fees.
Pay by cash by withdrawing cash from ATM or exchanging currency where – fees on ATM withdrawals are lesser than fees on swiping cards, you don’t want to leave any digital footprint of your expenses, it is convenient and easier to conduct transactions.
Download ATM Fee Saver now.
