Is Serbia cashless?
Mixed#69 of 197 in The Cashlessy Index 2026 · #37 of 45 in Europe
Short answer: Pay by card, but carry a little local cash for small places.
Belgrade and Novi Sad have good card acceptance. Bakeries, markets, taxis and smaller towns often want dinars.
Will my card work?
Mostly. Visa and Mastercard are widely accepted in Serbia, though some small businesses are cash only.
Do I need cash?
A little. Cards cover most spending in Serbia, but carry some cash for small places.
Local currency: Serbian dinar (RSD)
How does tipping work?
Round up or leave around 10%, in cash.
Mobile payments
Local apps often need a local bank account or phone number.
Frequently asked questions
Is Serbia cashless?
Serbia scores 62/100 on Cashlessy (mixed), ranking #69 of 197 countries. Belgrade and Novi Sad have good card acceptance. Bakeries, markets, taxis and smaller towns often want dinars.
Do I need cash in Serbia?
A little. Cards cover most spending in Serbia, but carry some cash for small places.
Are credit cards accepted in Serbia?
Mostly. Visa and Mastercard are widely accepted in Serbia, though some small businesses are cash only.
Do you tip in Serbia?
Round up or leave around 10%, in cash.
Can I use Apple Pay or Google Pay in Serbia?
Yes. Phone wallets work at most terminals that accept contactless cards in Serbia.
Compare with Europe
Editorial estimate, last reviewed September 2026. Payment habits change quickly; see how we score.