Is Monaco cashless?
Go cashless#16 of 197 in The Cashlessy Index 2026 · #11 of 45 in Europe
Short answer: Leave the cash at home. Your card or phone will work almost everywhere.
Cards are accepted everywhere. Cash is only needed for the odd kiosk or tip.
Will my card work?
Yes. Visa and Mastercard are accepted almost everywhere in Monaco, and contactless is common.
Do I need cash?
Rarely. You can get by in Monaco with a card or phone almost everywhere.
Local currency: Euro (EUR)
How does tipping work?
Service is included. Leave 5-10% extra for good service.
Mobile payments
Local apps often need a local bank account or phone number.
Frequently asked questions
Is Monaco cashless?
Monaco scores 88/100 on Cashlessy (go cashless), ranking #16 of 197 countries. Cards are accepted everywhere. Cash is only needed for the odd kiosk or tip.
Do I need cash in Monaco?
Rarely. You can get by in Monaco with a card or phone almost everywhere.
Are credit cards accepted in Monaco?
Yes. Visa and Mastercard are accepted almost everywhere in Monaco, and contactless is common.
Do you tip in Monaco?
Service is included. Leave 5-10% extra for good service.
Can I use Apple Pay or Google Pay in Monaco?
Yes. Phone wallets work at most terminals that accept contactless cards in Monaco.
Compare with Europe
Editorial estimate, last reviewed September 2026. Payment habits change quickly; see how we score.