I am going on a Topdeck European bus tour that is passing through 20 countries. During the trip, we pass through many countries that don't use the Euro, such as Poland - which uses the Zloty or the Czech Republic, which uses the Koruna. The tour information recommends changing some money into Euros and Swiss Francs before we go. Is there any reason why it might be particularly important to obtain Swiss Francs? Are ATMs particularly rare or are in country exchange rates particularly bad?

  • I have not been to Switzerland for some time but 10 years ago I didn't have any problems using my card all over the place or not being able to find ATM when needed
    – Karlson
    Commented Mar 30, 2012 at 0:02
  • 1
    One of the benefits of going on a bus tour is that you don't have to worry about this kind of thing. You won't be the first or last to ignore the instructions in the booklet. Commented Mar 30, 2012 at 1:27

3 Answers 3


From Wikitravel:

Switzerland is not part of the European Union and the currency is the Swiss franc (or Franken or franco, depending in which language area you are), divided into 100 centimes, Rappen or centesimi. However, many places - such as supermarkets, restaurants, sightseeings' box offices, hotels and the railways or ticket machines - accept Euro and will give you change in Swiss Francs or in Euro if they have it in cash. A check or a price-label contain prices both in francs and in Euro. Usually in such cases the exchange-rate comply with official exchange-rate, but if it differs you will be notified in advance. Changing some money to Swiss Francs (CHF) is essential. Money can be exchanged at all train stations and most banks throughout the country.

Switzerland is more cash-oriented than most other European countries. It is not unusual to see bills being paid by cash, even Fr 200 and Fr 1000 notes. Some establishments (but fewer than before) do not accept credit cards so check first. When doing credit card payments, carefully review the information printed on the receipt (details on this can be found in the "Stay Safe" section below). All ATMs accept foreign cards, getting cash should not be a problem.

As they mention, there are ATMs everywhere, which is what I did when I went - I simply drew cash on arrival. I do this in all my travels - it's convenient, and only 'failed' in Buenos Aires where one of the airport ATMs was down, and in Uzbekistan (Khiva) where only one bank in town could let you draw money from my card type, and there were no ATMs.

  • 2
    take not although they accept Euro, some of them do not accept euro coins. Euro bills are accepted anywhere. Commented Mar 30, 2012 at 9:35
  • *take note. Sorry Commented Apr 2, 2012 at 7:27

ATM's in Switzerland are really really widespread. You won't have any problems to find one. Each village has at least one or two, even in very remote areas. In cities you don't have to walk more than a few hundred meters to find one.

Additionally, it is possible to pay with your credit, maestro, visa or almost every other card almost in every store. Even if you only buy small items for 1 franks or so, it is most often possible to buy with a card. In restaurants this is a little bit different. There the minimum value is around 20 franks most time.

In every major city, in every tourist village and in really every big store you can also pay with Euro in cash. However this is not recommended because the exchange rate then is very bad. But in a case of emergency this can be an option. However, be aware that you're exchange money will be in Swiss franks.

You can also change Euros to Swiss Franks in every Post office. But be aware, post office also keep a huge fee when exchanging money.

So in general the best option is either to buy with card or just withdraw cash from an ATM.

  • Train stations are much better for changing money - they only charge a small fee.
    – Jonas
    Commented Apr 15, 2012 at 14:25
  • @Jonas Train stations have horrible exchange rates
    – Crazydre
    Commented Sep 17, 2017 at 23:05
  • @Crazydre: You're correct, they used to offer very favorable rates, and this has changed in recent years. I leave my comment up so that yours make sense, but concur that train stations may be very conveniently located, but that you risk paying more.
    – Jonas
    Commented Sep 18, 2017 at 16:57

I usually stop at the first ATM in a new country and draw some money. Which is never a problem (at least in Europe), when you arrive at airports or train stations.

Only if I know I will need cash, before there's a chance to find an ATM (e.g. road toll, when entering the country by car) I change some money in advance.

  • Road toll is really annoying if you don't have enough cash. So far, two times I got stuck in a road toll without any cash. But both times so far I managed to convince the lady at the counter that I don't have any money and both times they let just pass me for free. Commented Mar 30, 2012 at 8:35
  • Good tip but for Switzerland it's possible to buy the vignette at service areas close to the border and even to pay with euros, sterling or US dollars or credit cards at the border checkpoint itself (if it's manned).
    – Relaxed
    Commented Jul 16, 2014 at 9:50
  • I've paid European road tolls with a credit card. Commented Dec 20, 2014 at 19:34

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