Money & Payments in Ayia Napa (2026)

Good to know

Good to Know

While Cyprus is highly cashless, with cards widely accepted in hotels, restaurants, and shops, cash is still useful in local markets and small businesses
Carry small bills – some places won't accept €100 notes
Always check your restaurant bill – service charges might already be included
ATMs usually offer better rates than currency exchange services
Don't use exchange services at the airport – rates are terrible

ATM Details

Exchange Rate Variation Note: Some ATM providers give a lower exchange rate than bank ATMs; one user got an exchange rate of 1.19 at a non-bank ATM versus 1.29 at a Bank of Cyprus ATM, with Euronet identified as one such provider
Fees Range: €2.00
Some ATMs charge €2-€5 per withdrawal
Availability: ATMs are available near hotels, beach resorts, and tourist centers in Ayia Napa
Operating Hours: Most ATMs operate 24/7
Language Support: ATMs in Cyprus typically offer Greek, Turkish and English as the primary languages
Networks Accepted: ATMs commonly accept Visa, Mastercard, Maestro, Plus, Cirrus cards
Withdrawal Limits: ATMs in Cyprus have a maximum withdrawal limit per transaction of EUR 700 to EUR 2,000 per transaction
Dynamic Currency Conversion Warning: Decline ATM currency conversions – let your bank handle it
Fee Warning Note: Consider potential withdrawal fees ranging from €2 to €5 per transaction

Tipping Norms

Over Tipping Note: Over-tipping can be seen as excessive or even insulting; a small percentage (around 10%) is usually sufficient in restaurants and cafes

Taxis

Detail: Rounding up is polite
Status: Not expected

Tours

Detail: If you enjoyed the tour, a tip of €5-10 per person is a way to say thanks

Hotels

Housekeeping And Bellhops: Bellboys and housekeeping appreciate small tips (€1-€2 per service)

Restaurants

Detail: Some restaurants and hotels already include a service charge (typically 10%) in the bill; if there's no service charge, consider tipping around 5-10% in restaurants
Status: Not mandatory but appreciated
Standard Amount: 10% is the standard in restaurants

Bars And Clubs

Detail: Rounding up is common in taxis and bars
Status: Not mandatory

Local Currency

Code: EUR
Name: Euro

Card Acceptance

Detail: Most larger businesses accept Visa and Mastercard, though smaller places may prefer cash.
Overall: Widely accepted in major establishments
Note On Smaller Venues: Many restaurants, bars, and shops take Visa and Mastercard, but some small kiosks, street vendors, and local tavernas may prefer cash.

Accepted Card Types

Visa, Mastercard, Maestro, Plus, Cirrus
Some accept JCB cards

Banking

Summary: Multiple major banks operate branches in Ayia Napa with standard opening hours (Monday–Friday 08:00–13:30, some afternoons).
Branch Hours: Typically 08:00–13:30 Monday–Friday; some branches open selected afternoons.
Key Features: Cyprus banks operate within EU regulations and are regulated by the Central Bank of Cyprus. Accounts support SEPA payments and international transfers via SWIFT.
Online Opening: Many Cypriot banks allow non-residents to open accounts remotely via mobile app, requiring an original passport or ID card and online verification.
Account Opening: Foreigners can open personal or business bank accounts in Cyprus. Opening can be done remotely online or in-person at a branch with required identity documents and proof of address.
ATM Availability: ATMs are widely available throughout Ayia Napa for cash withdrawals at any time.

Banks Available

Bank of Cyprus
Hellenic Bank
Alpha Bank
National Bank
UBS

AI-generated estimateData refreshed July 2026

Sources cited for this category

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

More About Ayia Napa

Data last updated July 2026 · Verify anything important.

Money & Payments in Ayia Napa