🇫🇷 France · EUR
France uses the euro and is very card-friendly, with contactless accepted almost everywhere from bakeries to the Metro. You'll need little cash, but a small amount is useful for tips, markets and small village shops.
The euro (EUR) has 100 cents, with banknotes of €5, €10, €20, €50, €100, €200 and €500 (though large notes are rarely used and often refused). Coins run from 1 cent up to €2. Splitting €100+ notes for small purchases can be awkward, so keep smaller denominations on hand.
Cards and contactless are accepted widely, including for small amounts and on public transport in cities. Cash is still useful at open-air markets, some boulangeries, small cafes and rural areas, and a few places set card-payment minimums. Keep a modest amount of coins and small notes for these situations.
Independent bureaux de change in central Paris and major cities can offer reasonable rates, especially compared with banks, which often don't serve non-customers for exchange. Always check whether commission is charged on top of the rate. For most travelers, withdrawing euros from a bank ATM or paying by card gives the best value.
Exchange counters at Charles de Gaulle, Orly and other airports give markedly poor rates. Change only what you need for immediate transport, then use a bank ATM or city bureau. Because cards work nearly everywhere in France, you may not need to exchange cash at all.
Bank ATMs (distributeurs) are widespread and generally the cheapest way to get euros. Prefer machines attached to actual banks over standalone units, which may charge more. Decline dynamic currency conversion and choose to be charged in euros to avoid an inflated rate.
Service is legally included in French restaurant prices ('service compris'), so tipping is not obligatory. It's polite to leave a little spare change or round up for good service, and a few euros for a nice meal is appreciated but never expected. There's no pressure to tip a percentage as in the US.
Decline DCC at terminals and ATMs to avoid poor conversion. In tourist hotspots, watch for the petition/'gold ring' and friendship-bracelet scams that distract you while pockets are picked, especially around Paris landmarks and on the Metro. Keep cards and cash secure in crowded areas and on transport.
A small amount of euros is plenty, since cards cover most spending. Carry enough for market stalls, tips and the occasional cash-only or card-minimum spot. Top up from a bank ATM as needed rather than exchanging large sums upfront.
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