The most cashless countries in Europe

45 countries and territories in Europe, ranked by how easily a visitor can get by without cash in The Cashlessy Index 2026. Norway and Sweden share the lead with 95 out of 100; Russia is the most cash-reliant. 35 of 45 are cashless or mostly cashless, and the region averages 74.

What the checked guides say

We have checked 30 of the 45 guides in Europe against sources so far. Fee-free ATMs are easy to find in Sweden, United Kingdom, Estonia, Ireland, Latvia, Lithuania, Belgium, France, Switzerland, Portugal and Romania. Expect a fee at every ATM in Iceland, Netherlands and Germany.

All 45 ranked

  1. 1
    Norway

    Cards: accepted almost everywhereCash: rarely neededATMs: some ATMs are fee-freeChecked October 2026

    Go cashless95
  2. 1
    Sweden

    Cards: accepted almost everywhereCash: rarely neededATMs: fee-free ATMs are easy to findChecked October 2026

    Go cashless95
  3. 3
    Denmark

    Cards: accepted almost everywhereCash: rarely neededATMs: some ATMs are fee-freeChecked October 2026

    Go cashless94
  4. 3
    Iceland

    Cards: accepted almost everywhereCash: rarely neededATMs: expect a fee at every ATMChecked October 2026

    Go cashless94
  5. 5
    Netherlands

    Cards: accepted almost everywhereCash: rarely neededATMs: expect a fee at every ATMChecked October 2026

    Go cashless92
  6. 5
    United Kingdom

    Cards: accepted almost everywhereCash: rarely neededATMs: fee-free ATMs are easy to findChecked October 2026

    Go cashless92
  7. 7
    Estonia

    Cards: accepted almost everywhereCash: rarely neededATMs: fee-free ATMs are easy to findChecked October 2026

    Go cashless91
  8. 7
    Finland

    Cards: accepted almost everywhereCash: rarely neededATMs: some ATMs are fee-freeChecked October 2026

    Go cashless91
  9. 9
    Ireland

    Cards: accepted almost everywhereCash: rarely neededATMs: fee-free ATMs are easy to findChecked October 2026

    Go cashless90
  10. 9
    Luxembourg

    Cards: accepted almost everywhereCash: rarely neededNot yet checked

    Go cashless90
  11. 11
    Monaco

    Cards: accepted almost everywhereCash: rarely neededNot yet checked

    Go cashless88
  12. 12
    Latvia

    Cards: accepted almost everywhereCash: rarely neededATMs: fee-free ATMs are easy to findChecked October 2026

    Go cashless87
  13. 12
    Lithuania

    Cards: accepted almost everywhereCash: rarely neededATMs: fee-free ATMs are easy to findChecked October 2026

    Go cashless87
  14. 14
    Belgium

    Cards: accepted almost everywhereCash: rarely neededATMs: fee-free ATMs are easy to findChecked October 2026

    Go cashless86
  15. 15
    Czechia

    Cards: accepted almost everywhereCash: rarely neededATMs: some ATMs are fee-freeChecked October 2026

    Go cashless85
  16. 15
    France

    Cards: accepted almost everywhereCash: rarely neededATMs: fee-free ATMs are easy to findChecked October 2026

    Go cashless85
  17. 17
    Liechtenstein

    Cards: accepted almost everywhereCash: rarely neededNot yet checked

    Mostly cashless84
  18. 17
    Poland

    Cards: accepted almost everywhereCash: rarely neededATMs: some ATMs are fee-freeChecked October 2026

    Mostly cashless84
  19. 19
    Spain

    Cards: accepted almost everywhereCash: carry a littleATMs: some ATMs are fee-freeChecked October 2026

    Mostly cashless82
  20. 19
    Switzerland

    Cards: accepted almost everywhereCash: carry a littleATMs: fee-free ATMs are easy to findChecked October 2026

    Mostly cashless82
  21. 21
    Andorra

    Cards: widely acceptedCash: carry a littleNot yet checked

    Mostly cashless80
  22. 21
    Portugal

    Cards: widely acceptedCash: carry a littleATMs: fee-free ATMs are easy to findChecked October 2026

    Mostly cashless80
  23. 23
    Ukraine

    Cards: widely acceptedCash: carry a littleNot yet checked

    Mostly cashless78
  24. 24
    Cyprus

    Cards: widely acceptedCash: carry a littleNot yet checked

    Mostly cashless76
  25. 24
    Malta

    Cards: widely acceptedCash: carry a littleNot yet checked

    Mostly cashless76
  26. 24
    Slovenia

    Cards: widely acceptedCash: carry a littleATMs: some ATMs are fee-freeChecked October 2026

    Mostly cashless76
  27. 27
    Croatia

    Cards: widely acceptedCash: carry a littleATMs: some ATMs are fee-freeChecked September 2026

    Mostly cashless74
  28. 28
    Italy

    Cards: widely acceptedCash: carry a littleATMs: some ATMs are fee-freeChecked October 2026

    Mostly cashless72
  29. 28
    San Marino

    Cards: widely acceptedCash: carry a littleNot yet checked

    Mostly cashless72
  30. 30
    Austria

    Cards: widely acceptedCash: carry a littleATMs: some ATMs are fee-freeChecked October 2026

    Mostly cashless70
  31. 30
    Greece

    Cards: widely acceptedCash: carry a littleATMs: some ATMs are fee-freeChecked October 2026

    Mostly cashless70
  32. 30
    Hungary

    Cards: widely acceptedCash: carry a littleATMs: some ATMs are fee-freeChecked October 2026

    Mostly cashless70
  33. 30
    Slovakia

    Cards: widely acceptedCash: carry a littleATMs: some ATMs are fee-freeChecked October 2026

    Mostly cashless70
  34. 34
    Romania

    Cards: widely acceptedCash: carry a littleATMs: fee-free ATMs are easy to findChecked October 2026

    Mostly cashless68
  35. 35
    Germany

    Cards: widely acceptedCash: carry a littleATMs: expect a fee at every ATMChecked October 2026

    Mostly cashless66
  36. 36
    Bulgaria

    Cards: widely acceptedCash: carry a littleATMs: some ATMs are fee-freeChecked October 2026

    Mixed64
  37. 37
    Serbia

    Cards: widely acceptedCash: carry a littleATMs: some ATMs are fee-freeChecked October 2026

    Mixed62
  38. 38
    Montenegro

    Cards: cities and tourist areasCash: needed dailyATMs: some ATMs are fee-freeChecked October 2026

    Mixed58
  39. 39
    North Macedonia

    Cards: cities and tourist areasCash: needed dailyNot yet checked

    Mixed52
  40. 40
    Moldova

    Cards: cities and tourist areasCash: needed dailyNot yet checked

    Mixed50
  41. 41
    Bosnia and Herzegovina

    Cards: cities and tourist areasCash: needed dailyNot yet checked

    Mixed48
  42. 42
    Albania

    Cards: cities and tourist areasCash: needed dailyNot yet checked

    Cash preferred44
  43. 43
    Kosovo

    Cards: cities and tourist areasCash: needed dailyNot yet checked

    Cash preferred40
  44. 44
    Belarus

    Cards: rarely or neverCash: bring plentyNot yet checked

    Cash essential18
  45. 45
    Russia

    Cards: rarely or neverCash: bring plentyNot yet checked

    Cash essential12

Scores are out of 100. See the full world ranking and how we score. Last reviewed October 2026.

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