Money & Payments in Andorra la Vella (2026)

Andorra is largely cashless, with widespread card acceptance in shops, hotels, and restaurants, but cash can still be useful in smaller establishments and remote areas.
Contactless payments including Apple Pay and Google Pay are very widespread and accepted on most modern terminals.
Andorra has a network of approximately 150 ATMs distributed throughout the country, operated mainly by Crèdit Andorrà, MoraBanc, Andbank, and BancSabadell Andorra.
If you're not from the Eurozone, it's better to withdraw or exchange money once you're in Andorra rather than at nearby airport exchanges in Spain or France, which may charge higher fees.
European debit and credit cards (Visa, Mastercard) work without problems at all ATMs. Revolut, N26 and Wise also work perfectly and are a good option to avoid currency exchange fees if you are coming from outside the eurozone.

Local Bank ATM Fees: €7.00
Dynamic Currency Conversion Warning: Some ATMs ask whether to accept or decline conversion; if you accept, the ATM converts your money at the ATM's set exchange rate and you pay an extra fee for currency conversion. Always choose 'Decline Conversion' if the ATM asks whether you want to be charged in your home currency or the local currency, as choosing the local currency allows your home bank to handle the exchange, which almost always results in a better rate.
Fee Description: The majority of bank ATMs in Andorra charge either €7 or no fees per transaction to foreign card holders, depending on the card country and type of foreign card. Most Andorran ATMs charge a foreign transaction fee, typically ranging from €2 to €5 per withdrawal in 2026.

Official Currency: Andorra uses the Euro (€) as its official currency.
Foreign Currency Acceptance: Payment in foreign currencies is not usually accepted.

Guides: For ski or tour guides, tip 5-10 euros per person at the end of the day if the service was excellent.
Hotels: Tipping in hotels isn't expected or custom in Andorra.
Restaurants: Tipping in Andorra is entirely optional, as in Spain and France, but is well regarded and common to leave around 5 to 10% of the cost in bars and restaurants if you are specially satisfied.
Casual Dining: For restaurants, round up to the nearest 5 EUR for bills under 30 EUR; add 5-10% for larger groups. In cafes, leave 0.50 EUR on the counter if you sat down, but nothing for standing at the bar.

Operating Hours: Nearly all ATMs in Andorra operate 24/7, especially those in urban areas and near ski resorts. Machines inside retail centers may follow business hours.
Card Types Accepted: ATMs commonly accept Visa and Mastercards; some also accept Plus and Cirrus cards. Only some accept CUP, JCB, Maestro cards. American Express, Diners, Discover and Rupay cards are generally not accepted.
Availability In Capital: Andorra la Vella and Escaldes-Engordany have the highest concentration of ATMs, especially along Avinguda Meritxell and near shopping zones, banks, and government offices.

Cash Back: Cash back is not possible at stores or gas stations.
Contactless: Contactless payments are practically universal in shops, restaurants and hotels, with Apple Pay and Google Pay very widespread on most modern terminals.
Visa Mastercard: Visa and Mastercard are widely accepted in shops, hotels, and restaurants.
American Express: American Express is only accepted in some large hotels or high-end boutiques; small restaurants and shops generally do not accept it.

Currency: Euro (EUR)
System Overview: Stable banking system with strict regulatory compliance and modernized standards aligned with international regulations.
Deposit Insurance: Deposits insured up to €100,000
Regulatory Environment: Strict anti-money laundering and compliance procedures; accounts are subject to automatic exchange of financial information with fiscal residence countries.
Account Opening For Nomads: Non-residents can open accounts, but the process is complex and demanding. Resident status makes account opening significantly easier.
Requirements For Non Residents: Requires extensive due diligence including proof of income, valid passport, compliance checks (KYC), and source of funds documentation. Minimum deposit requirements apply for private banking accounts.
Account Types For Non Residents: Private banking and investment accounts (typically require higher minimum deposits); retail current accounts are primarily for residents or those planning to become residents.

Andbank (oldest private banking firm, established 1930, international presence)
Morabanc (full-service bank with retail and investment options)
Creand (rebranded Credit Andorra; offers accounts for various customer profiles)

AI-generated estimateData refreshed July 2026

These are the sources cited in this money & payments research for this city. Individual figures may not each trace to one of them.

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Data last updated July 2026 · Verify anything important.