Scotland currency travel guide (2024)

As a part of the modernized United Kingdom, the Scottish take plastic for hotel stays, dining, supermarkets and gas. Still, some smaller establishments, like a family-owned B&B or restaurant, may take only cash. Since you might be wandering across the country to sight the monster in Loch Ness or tour the castles of Edinburgh and Glasgow, consider carrying a combination of pound sterling and plastic. A credit credit card makes a travel-friendly carry-along since most don’t charge foreign transaction fees when you swipe.

Our picks for traveling to Scotland

40+ currencies supported

Wise Multi-currency

Go to site

  • 4.85% APY on USD balances
  • $0 monthly fees
  • Up to $100 free ATMs withdrawals worldwide
  • Hold and convert 40+ currencies

Up to $300 cash bonus

SoFi Checking and Savings

Go to site

on SoFi's secure site
  • 0.50% APY on checking balance
  • Up to 4.50% APY on savings
  • $0 account or overdraft fees
  • Get up to a $300 bonus with direct deposits of $5,000 or more

Free ATM transactions

HSBC Premier Checking

Go to site

  • $50 waivable monthly fee
  • 0% foreign transaction fee
  • Securely move money domestically and globally
  • 5 monthly out-of-network ATM reimbursem*nts
  • Free international HSBC ATM transactions

Travel card, debit card or credit card?

All major card networks are widely accepted in Scotland. Just make sure your card has no foreign transaction fees. Otherwise, you could pay a fee of up to 3% of every purchase made abroad. Another way to save money is to avoid conversion fees by paying in local currency.

If you’re looking to make cash withdrawals, consider using a debit card to avoid cash advance APRs and fees. You could also try withdrawing money with a prepaid travel card, but only if it’s loaded with British pounds. Otherwise, you’ll pay a foreign transaction fee, which is higher than what debit cards incur.

Credit cards from such major networks as Visa, Mastercard, American Express or Discover are widely accepted in Scotland. They are best used for purchases where it’s possible to earn rewards, while debit cards are best used for ATM cash withdrawals. Prepaid travel cards can also work if you load them with British pounds.

But whichever card you choose, make sure it comes without foreign transaction fees.

If you’re still not certain which payment method will work best while traveling to Scotland, check out our travel money guide page.

These are your options for spending money in Scotland

Using a credit card

Using a credit card without foreign transaction fees in Scotland gives you the best exchange rates on all of your purchases, such as the Capital One VentureOne Rewards Credit Card (Terms apply, see rates & fees).

If you frequently travel to Scotland, consider an airline cobranded card. You can save money on flights, checked bags, lounge access and more. Alternatively, consider a travel credit card to get rewards on your travel purchases, travel insurance, luggage insurance, car rental insurance and more.

  • Tip: Avoid using a credit card for ATM cash withdrawals, as they come with cash advance fees and a cash advance APR.
  • Tip: Notify your bank you will be traveling to Scotland.
Pros
  • Credit line access
  • Rewards
  • May come with travel insurance and coverage
  • May come with concierge service
Cons
  • Cash advance fees on ATMs
  • Cash advance APR on ATMs

Compare travel credit and debit cards

Explore top debit cards with no foreign transaction fees and travel credit cards by using the tabs to narrow down your options. Select Compare for up to four products to see their benefits side by side.

  • Checking
  • Credit cards

1 - 5 of 11

1 - 5 of 18

Back to top

Scotland currency travel guide (17)

Read our guide

Using a debit card

Debit cards can be a great option for cash withdrawals in Scotland. Some debit cards have no foreign transaction fees and no ATM withdrawal fees, such as the Betterment Checking, which reimburses you for these international fees.

  • Tip: Use a debit card for ATM withdrawals.
  • Tip: Notify your bank you will be traveling to Scotland.
Pros
  • No cash advance fee
  • No cash advance APR
  • No overdraft
Cons
  • Weak or no rewards
  • No access to a credit line
  • Potential foreign transaction fees up to 3%.
  • Potential ATM withdrawal fees

Scotland currency travel guide (18)

Read our guide

Using a prepaid travel card

Using a prepaid travel card is a particularly safe option as they are not linked to your bank account. However, travel cards come with many fees that make them an expensive alternative to credit and debit cards.

  • Tip: Use your travel card without incurring foreign transaction fees by loading it with British pounds.
Pros
  • Can load multiple currencies
  • No cash advance APR
  • No links to your bank account
Cons
  • Many fees
  • May take time to load
  • No rewards

Scotland currency travel guide (19)

Read our guide

Paying with cash in Scotland

Having cash in your wallet is always useful wherever you are. In Scotland, you’ll need cash to pay for taxis, incidentals, small purchases and tips. You can take US dollars with you and exchange them at the airport or make an ATM withdrawal.

Pros
  • Payment flexibility
  • Convenience
  • No need for ATMs
Cons
  • High risk of theft

Scotland currency travel guide (20)

Read our guide

Using traveler’s checks

Traveler’s checks can be an expensive, inconvenient option. They incur a number of fees, including a foreign exchange fee, and many shops and hotels do not accept them. You’ll have to cash your checks in at exchange bureaus or banks, which will cost you time and more fees.

  • Tip: You may want to consider other money options in China.
Pros
  • Security
Cons
  • Not accepted everywhere
  • Fees for purchasing and cashing checks

What’s the Scottish currency and where can I get the best exchange rate?

Scotland uses the British pound with the symbol £ and the currency code GBP.

Banks typically have the best exchange rate for cash. You can also make an ATM cash withdrawal, which also comes with an excellent exchange rate. But make sure you use a debit card without foreign transaction fees or ATM withdrawal fees.

Using money transfers to safely travel with cash

WorldRemit lets you send money to Scotland before you depart. Once you’re in Scotland, you can pick up your cash from a local WorldRemit agent.

But before you make the transfer, you’ll need to provide a Scottish address and a phone number. If you’re without one, WorldRemit recommends using the address of the place you’ll be staying at in case the local agent needs to contact someone.

Scotland currency travel guide (21)Scotland currency travel guide (22)Scotland currency travel guide (23)Scotland currency travel guide (24)

The main banks in Scotland are:

  • Bank of Scotland
  • Royal Bank of Scotland
  • Clydesdale Bank
  • TSB Bank
  • Sainsbury’s Bank

Live Rate

Refreshing in: 60s | Sat, Sep 14, 08:16AM GMT

ATMs in Scotland

You can readily find ATMs in Scotland, such as in banks like the Bank of Scotland and even in small convenience stores. You may be charged a small fee if the ATM is independently owned, a scenario that happens more often if located in small towns or small stores. If you go with a Betterment Checking account, using the debit card means that you can get reimbursed for these foreign ATM fees within 24 hours of submitting for reimbursem*nt.

Case study: Roslyn’s experience

Scotland currency travel guide (25)

Roslyn McKenna
Publisher

I visited Scotland with friends in October 2018. I used my Quicksilver card just about everywhere because it offers no foreign transaction fees and a flat cashback rate on everything. Credit cards are even accepted in rural areas like Inverness and Aberfeldy. I also brought some cash for small transactions and exchanged it at London Heathrow at a fair rate.

The only issue I encountered was the new scanning credit card machines. I’d researched to make sure I had the newer chip-and-PIN card when going to Japan, but I didn’t know Europe and the UK had already switched over to new scanning styles. There were several places my card wasn’t accepted, like at Tesco supermarkets, because it could only be inserted or swiped.

If you’re going abroad, I recommend bringing a solid cashback card that doesn’t charge for foreign transactions and uses the most up-to-date payment style.

Back to top

Was this content helpful to you?

Thank you for your feedback!

Scotland currency travel guide (26)

Written by

Kliment Dukovski

Writer

Kliment Dukovski was a personal finance writer at Finder, specializing in investments and cryptocurrency. He's written more than 700 articles to help readers compare the best trading platforms, understand complex investment terms and find the best credit cards for their needs. His expert commentary has been featured in such digital publications as Fox Business, MSN Money and MediaFeed. He’s also well-versed in money transfers, home loans and more — breaking down these topics into simple concepts anyone can understand. In another life, Kliment ghostwrote guides and articles on foreign exchange, stock market trading and cryptocurrencies. See full bio

Kliment's expertise

Kliment has written 91 Finder guides across topics including:

  • Investing
  • Day trading
  • Stock market technical analysis
  • Personal and business credit cards
Scotland currency travel guide (2024)

FAQs

Scotland currency travel guide? ›

In Scotland, the unit of currency is the pound (£), which is used throughout the entire UK. All major credit cards can also be used across Scotland, with Visa and MasterCard being most widely accepted. Scotland has its own bank notes that look different to those in the rest of the UK, however their value is the same.

What is the best currency to take to Scotland? ›

Our Scottish currency is the British Pound (GBP) and all notes that say “Pound Sterling” are accepted. Both Scottish and English notes are widely used in Scotland. We use the same coins in Scotland and England, so they are fine too.

Can I use my US debit card in Scotland? ›

You will find that all major credit cards (Visa, Mastercard & American Express) and debits cards are widely accepted. The same is true of Travelers cheques which should be in GBP to avoid extra exchange rate charges. There are also a multitude of ATMs available throughout Scotland so you will have easy access to cash.

Are euros good in Scotland? ›

Great Britain's currency is the pound sterling. However, some euro-friendly businesses in central Edinburgh and Glasgow will accept euro coins and notes. The easiest and best way to get cash away from home is from a cash machine or cash point. The Cirrus (tel.

What is the best way to use money in Scotland? ›

Bank cards and travel cards

Most establishments in Scotland accept major credit and debit cards, making purchasing when travelling around convenient. However, we advise carrying some cash for smaller transactions, especially in rural areas where card acceptance may be limited or a minimum card spend is in place.

Should I exchange money before I travel to Scotland? ›

Foreign currency is rarely accepted, but don't worry, it's easy to exchange any foreign currency in Scotland. Banks, hotels and Bureau de Change kiosks can be found at our international airports and also in most of our city centres.

Can I tip in US dollars in Scotland? ›

Tip in the local currency

Whenever you tip during your trip to Scotland it is important to use the local currency, that is - British pounds. Otherwise you'll leave your service providers with cash they can't use without paying high fees on currency exchange.

Is it better to use cash or credit card in Scotland? ›

Credit Cards and Debit Cards are used widely in Edinburgh and across Scotland with Visa and Mastercard being the most commonly accepted. American Express can be used but may not be accepted by all retailers, so bringing an alternative card is encouraged.

How much cash to take to Scotland for a week? ›

We estimated $2,000 per person. We are not true budget travelers; we save in some places (like eating PB&J for lunch every day) so that we can splurge in others (like guided boat tours). You could do a two-week road-trip around Scotland for less than $1,500 per person.

How to pay for things in Scotland? ›

Visa, MasterCard, Eurocard, Diners Club and American Express credit cards are widely accepted throughout Scotland and Northern England.

Do you tip in Scotland? ›

There are no hard and fast rules for tipping in Scotland. If you are happy with the service, a 10-15% tip is customary, particularly in a restaurant or café with table service. A tip is not necessary if a service charge has been added to the bill by the establishment.

Does Edinburgh use pounds or Euros? ›

Nowhere in Scotland will accept Euros, even Edinburgh. The currency throughout the whole of the United Kingdom is pound sterling. You can get Scottish bank notes and English bank notes but they all have exactly the same value.

Is Edinburgh cheap or expensive? ›

Is Edinburgh an expensive city? Yes, Edinburgh is considered to be an expensive city when compared to other cities in the UK. However, it is still more affordable than in major cities like London.

Where can I get Scottish currency? ›

In Scotland, ATMs usually offer the best exchange rates. Avoid exchanging money at commercial exchange bureaus and hotels, which often have the highest transaction fees. You can find ATMs at almost all bank branches, as well as at most large supermarkets, some petrol stations, in shopping malls, and some post offices.

Is paper money still accepted in Scotland? ›

All Royal Bank of Scotland and Ulster banknotes (as with all Scottish and Northern Irish banknotes) remain legal currency, will not be withdrawn from circulation in the same way as the Bank of England notes, and have no end date for acceptance. You are unable to swap / deposit commemorative coins.

What money do you need in Scotland? ›

In Scotland, we use the pound sterling (GBP), just like the rest of the United Kingdom (Scotland, England, Wales and Northern Ireland). We have our own Scottish bank notes, but all cash in pound sterling is accepted here. Therefore bank notes issued in England and Northern Ireland are also valid.

How much money should I bring to Scotland? ›

On average, a budget trip to Scotland is estimated to cost around £55, €62, or $66 per day.

Can you use euros in England and Scotland? ›

While you can get away with just having the Euro on hand for much of Western Europe, if you're planning to visit the United Kingdom (UK) or Switzerland during your travels (and often many group tours and cruise itineraries will stop off in these locations!), you'll need to also take with you some Great British Pounds ( ...

Top Articles
Webull vs. Robinhood: 2024 Comparison - NerdWallet
How to Use the KuCoin DualFutures AI Bot to Generate Passive Income | KuCoin Learn
Cpmc Mission Bernal Campus & Orthopedic Institute Photos
Amc Near My Location
Hannaford Weekly Flyer Manchester Nh
Restaurer Triple Vitrage
El Paso Pet Craigslist
Flixtor The Meg
Konkurrenz für Kioske: 7-Eleven will Minisupermärkte in Deutschland etablieren
Flat Twist Near Me
How do you mix essential oils with carrier oils?
Pbr Wisconsin Baseball
Urban Dictionary Fov
Troy Athens Cheer Weebly
Washington Poe en Tilly Bradshaw 1 - Brandoffer, M.W. Craven | 9789024594917 | Boeken | bol
2024 Non-Homestead Millage - Clarkston Community Schools
Busty Bruce Lee
How To Cut Eelgrass Grounded
Craftology East Peoria Il
Vintage Stock Edmond Ok
Swgoh Blind Characters
What Channel Is Court Tv On Verizon Fios
Rs3 Eldritch Crossbow
Used Safari Condo Alto R1723 For Sale
3 Ways to Drive Employee Engagement with Recognition Programs | UKG
1636 Pokemon Fire Red U Squirrels Download
Jesus Calling Feb 13
Stephanie Bowe Downey Ca
Astro Seek Asteroid Chart
Past Weather by Zip Code - Data Table
Ezstub Cross Country
Rugged Gentleman Barber Shop Martinsburg Wv
Rund um die SIM-Karte | ALDI TALK
Myhrconnect Kp
Rocketpult Infinite Fuel
Why The Boogeyman Is Rated PG-13
Leatherwall Ll Classifieds
Caderno 2 Aulas Medicina - Matemática
Ticket To Paradise Showtimes Near Regal Citrus Park
Sam's Club Gas Prices Deptford Nj
Puretalkusa.com/Amac
Ucsc Sip 2023 College Confidential
Bill Manser Net Worth
LumiSpa iO Activating Cleanser kaufen | 19% Rabatt | NuSkin
Dyi Urban Dictionary
Streameast Io Soccer
Nearest Wintrust Bank
Contico Tuff Box Replacement Locks
Cryptoquote Solver For Today
Uno Grade Scale
Peugeot-dealer Hedin Automotive: alles onder één dak | Hedin
Overstock Comenity Login
Latest Posts
Article information

Author: Trent Wehner

Last Updated:

Views: 5868

Rating: 4.6 / 5 (56 voted)

Reviews: 95% of readers found this page helpful

Author information

Name: Trent Wehner

Birthday: 1993-03-14

Address: 872 Kevin Squares, New Codyville, AK 01785-0416

Phone: +18698800304764

Job: Senior Farming Developer

Hobby: Paintball, Calligraphy, Hunting, Flying disc, Lapidary, Rafting, Inline skating

Introduction: My name is Trent Wehner, I am a talented, brainy, zealous, light, funny, gleaming, attractive person who loves writing and wants to share my knowledge and understanding with you.