Using a credit card in Ireland

As a member of the European Union, Ireland is as safe as it gets for credit card use. Mastercard and Visa are widely accepted in the country, but you can also find plenty of places that take American Express cards. Unfortunately, not all taxi drivers will accept credit cards, but you can get a mobile app that allows you to do so.

There are a few potential fees to watch out for when you’re paying with plastic:

• Foreign transaction fees. A non-sterling fee of around 3% per transaction can apply, depending on your credit card. That’s £30 in fees for every £1,000 spent with your card.
• Merchant currency conversion fees. Sometimes, a merchant will offer to take payment in pounds instead of in euros. This is known as a dynamic currency conversion (DCC) and often comes with higher fees than if you paid in the local currency.
• Cash advance fees. Your card issuer may charge a fee for cash advances (withdrawing cash using your card). Cash machine providers sometimes charge a fee too, although this is thankfully becoming rarer.
• ATM fees. The provider of a cash machine may charge a fee if you withdraw cash using your card.

It’s also worth noting that when it comes to cash advances and non-sterling transactions, card issuers will often start charging interest on the day your account is debited, rather than the customary “up to 55 days interest-free” that applies provided you clear your balance in full each month.

How can I avoid the fees?

Consider taking out a credit card offering commission-free currency conversion (see table below), even if you only use it when you’re out of the country. Once you have one of these cards, if a merchant offers to take payment in pounds, say you’re happy to pay in euros, since you know your own bank won’t charge you for the privilege.

Generally speaking it’s not a great idea to use a credit card to withdraw cash, but some travel credit cards won’t penalise you for this either. Finally, make sure to check whether the ATM you use is going to charge a fee. High street bank ATMs are generally a safer bet than those in convenience stores or bars.

Chip-and-PIN credit cards

In Ireland, you can use chip-and-PIN or chip-and-signature cards wherever credit cards are accepted.

Is it safe to use my credit card in Ireland?

As far as safety goes, you can freely use your card in Ireland. However, there are some precautions you can take for increased security:

• Use an ATM within a bank. If for some reason the ATM eats your card, you’ll be able to quickly retrieve it. Also, ATMs within banks are less likely to be tampered with. Should you use one outside a bank, check for devices attached to the reader and cash return slot.
• Take two credit cards. You can use your primary card for payments and keep your back-up card in your hotel room safety deposit box. That way, you’ll never be left without money.
• Keep your card in sight. Card cloning is rare in Ireland, but just in case, don’t let your card out of your sight.

How to prepare before traveling to Ireland

1. Get a credit card without foreign transaction fees. If you travel often, avoiding the 3% foreign transaction fee can save you a lot of money. Consider getting a travel card, as they usually have no foreign transaction fees.
2. Opt for a Mastercard or Visa. They’re the most-widely accepted cards and Ireland is no exception, though you can’t still use your American Express cards in some locations. There are also enough ATMs around if you want to withdraw cash with these cards as well.
3. Get a back-up card. Try to always carry a second card when traveling abroad, given you don’t know what could happen to your primary card.
4. Get some cash. In general, you can pay with plastic almost anywhere in Ireland. But if you want to make a cash withdrawal, keep in mind that credit cards have additional fees while most debit cards don’t.
5. Inform your bank you’re traveling to Ireland. If you don’t let your bank know ahead of time the dates you’ll be away and where you’ll be, it may block your card if it suspects the charges are fraudulent.
6. Get your bank’s phone number. If you lose your card or have payment issues, you’ll be able to call the bank to resolve it.

Bottom line

If you travel to Ireland, you can safely use your credit card to make payments and withdraw cash. You’ll just have to be careful to not incur fees you can otherwise avoid. With a decent travel credit card, you’ll avoid paying foreign transaction fees. By simply declining the DCC when offered, you’ll also avoid a poor exchange rate or commission.

Compare cards with fee-free currency conversion in Ireland

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Product UKCCF	Finder Score	Purchases	Annual/monthly fees	Initial credit limits	Representative APR	Incentive	Link
Santander All in One Credit Card	Finder score 9.3Excellent	0% for 15 months reverting to 23.9%	£3 per month	Min. limit £500, max. limit not specified.	29.8% APR (variable)	0.5% after £1 of monthly spend. Maximum of £10 cashback paid per month. Cashback paid Monthly into Card Account. Maximum spend for cashback purposes is limited to credit limit. Representative example: When you spend £1,200 at a purchase rate of 23.9% (variable) p.a. with a fee of £3 per month, your representative rate is 29.8% APR (variable).	Check eligibility Read review Compare	loading Fetching your data...
Yonder Credit Card Finder Award	Finder score 9.7Excellent	29.94%	1 month for £0, £15 per month thereafter	Min. limit not specified, max. limit not specified.	66.7% APR (variable)	First month free for new members, £15 p/m thereafter. Plus, 10,000 bonus points. Earn 5 points per £1 spent and up to 25 points per £1 at selected partners. Membership includes worldwide travel insurance, no FX fees and use your points towards any flight. Representative example: When you spend £1,200 at a purchase rate of 29.94% (variable) p.a. with a fee of £15 per month, your representative rate is 66.7% APR (variable).	Check eligibility Read review Compare	loading Fetching your data...
118 118 Money Guaranteed Rate Card	Finder score 7.8Great	49%	£0	Min. limit £500, max. limit not specified.	49% APR (variable)	Representative example: When you spend £1,200 at a purchase rate of 49% (variable) p.a., your representative rate is 49% APR (variable).	Check eligibility Read review Compare	loading Fetching your data...
Yonder 'No Fee' Credit Card Finder Award	Finder score 8.9Great	32.9%	£0	Min. limit not specified, max. limit not specified.	32.9% APR (variable)	Representative example: When you spend £1,200 at a purchase rate of 32.9% (variable) p.a., your representative rate is 32.9% APR (variable).	Check eligibility Read review Compare	loading Fetching your data...
Santander Edge Credit Card Mastercard	Finder score 9.5Excellent	23.9%	£3 per month	Min. limit £500, max. limit not specified.	29.8% APR (variable)	2% after £1 of monthly spend in first year, then 1%. Maximum of £15 cashback paid per month. Representative example: When you spend £1,200 at a purchase rate of 23.9% (variable) p.a. with a fee of £3 per month, your representative rate is 29.8% APR (variable).	Read review Compare	loading Fetching your data...
The Royal Bank Credit Card	Finder score 9.8Excellent	12.9%	£0	Min. limit £250, max. limit not specified.	12.9% APR (variable)	Representative example: When you spend £1,200 at a purchase rate of 12.9% (variable) p.a., your representative rate is 12.9% APR (variable).	Read review Compare	loading Fetching your data...
NatWest Credit Card	Finder score 9.8Excellent	12.9%	£0	Min. limit £250, max. limit not specified.	12.9% APR (variable)	Representative example: When you spend £1,200 at a purchase rate of 12.9% (variable) p.a., your representative rate is 12.9% APR (variable).	Read review Compare	loading Fetching your data...
Royal Bank of Scotland Reward Black Credit Card	Finder score 8.9Great	21.9%	£84 per annum. Reward Black Current Account holders: £0 per annum	Min. limit £5,000, max. limit not specified.	40.7% APR (variable)	Earn 1% back at supermarkets and 0.5% back everywhere else, including supermarket petrol stations. At selected retailers, you could earn 1-15% back. Representative example: When you spend £1,200 at a purchase rate of 21.9% (variable) p.a. with a fee of £84 per annum. Reward Black Current Account holders: £0 per annum, your representative rate is 40.7% APR (variable).	Read review Compare	loading Fetching your data...

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Frequently asked questions

• How can I send money to Ireland?

  If you’re stranded without cash in Ireland, check out our money transfer page to find the fastest and easiest way to send money.

• What is the currency used in Ireland?

  Ireland is a member state of the eurozone and it uses the euro as its currency. The currency code is EUR and the symbol is €. Banknotes come in denominations of 5, 10, 20, 50, 100 and 200 euros.

• What is the pound to euro exchange rate?

• Which banks operate in Ireland?

  The largest banks operating in Ireland are:

  • Bank of Ireland
  • Allied Irish Banks
  • EBS

  Check with your bank to see if it has an active partnership with any of the local Irish banks. If it does, you could save on fees for ATM withdrawals.

How to use a credit card in…

Written by

Chris Lilly

Head of publishing

Chris Lilly is Head of publishing at finder.com. He's a specialist in personal finance, from day-to-day banking to investing to borrowing, and is passionate about helping UK consumers make informed decisions about their money. In his spare time Chris likes forcing his kids to exercise more. See full bio

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Chris has written 602 Finder guides across topics including:

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