The Ultimate Guide to Managing Money in Zante: Currency Exchange, Cards & Cash Tips

Planning a trip to the beautiful Greek island of Zante (Zakynthos)? One of the most important aspects of holiday preparation is figuring out your money situation. Should you exchange your pounds to euros before leaving the UK? Will your cards work everywhere? How much cash should you bring? This comprehensive guide will answer all your money-related questions for your Zante adventure.

Pounds to Euros: Where to Exchange Currency

UK Exchange Options

Many travellers wonder whether they should exchange their pounds to euros before departure or wait until they arrive in Zante. Here's what you need to know about UK exchange options:

Advantages of UK exchange:

• You'll have euros ready upon arrival

• You can shop around for competitive rates

• Options include high street exchanges, supermarkets, and post offices

• Some services offer pre-ordered currency with better rates

UK exchange tips:

• Avoid airport currency exchanges, which typically offer poor rates

• Consider online currency specialists like TransferWise or Revolut

• Compare rates before committing to an exchange

• Many banks offer free currency exchange for account holders

Zante Exchange Options

Alternatively, you can wait and exchange money in Zante:

Advantages of Zante exchange:

• Local exchange rates are often competitive

• You won't need to carry large amounts of cash during travel

• Numerous exchange offices are available in tourist areas

• Some hotels offer currency exchange services

Zante exchange tips:

• Exchange offices on the Zante Strip often have reasonable rates

• Always check the rate and any commission before exchanging

• Avoid exchanging at the airport upon arrival (poor rates)

• Compare rates between different exchange offices

The verdict: Generally, splitting your currency exchange is the smartest approach. Exchange some pounds to euros before leaving the UK for immediate expenses, then exchange more in Zante if needed. This strategy gives you flexibility while minimising the risk of carrying large amounts of cash.

Card Payments in Zante

Card Acceptance

Zante has embraced card payments, especially in tourist areas:

• Restaurants and bars: Most establishments on the Zante Strip accept credit and debit cards

• Hotels and accommodations: Almost universally accept cards

• Supermarkets and retail stores: Major chains accept cards

• Tourist attractions and excursion companies: Usually accept cards

However, be aware that smaller businesses, family-run tavernas, and some local markets may still operate on a cash-only basis.

Best Bank Accounts and Cards for Zante

Some UK bank accounts and cards are better suited for international travel than others:

Top options include:

1. Starling Bank - No foreign transaction fees, competitive exchange rates, and free ATM withdrawals

2. Monzo - Free spending abroad with fair exchange rates (ATM withdrawal limits apply)

3. Revolut - Excellent exchange rates and the ability to hold multiple currencies

4. Wise (formerly TransferWise) - Great exchange rates and low fees

5. Halifax Clarity Credit Card - No foreign transaction fees and competitive exchange rates

Bank account tips:

• Notify your bank of travel plans before departure

• Check daily withdrawal limits before traveling

• Have a backup payment method in case your primary card is declined

• Keep your bank's international helpline number handy

Using ATMs on the Zante Strip

ATMs are plentiful on the Zante Strip, but using them effectively requires some know-how:

ATM Withdrawal Process

1. Look for ATMs from recognised banks (Alpha Bank, Eurobank, National Bank of Greece)

2. Insert your card and select English as your language preference

3. Enter your PIN as you would at home

4. Select "Withdrawal from Checking/Current Account"

5. Enter the amount you wish to withdraw (in euros)

6. Important: You'll likely be offered a choice between withdrawing "With conversion" or "Without conversion" - ALWAYS choose "Without conversion" to use your bank's exchange rate, which is typically more favourable

7. Collect your cash and card, and request a receipt

ATM Tips and Warnings

• ATMs on the Zante Strip can have high withdrawal fees (€2-5 per transaction)

• Some ATMs have low withdrawal limits (€200-300)

• ATMs can run out of cash during peak season, especially on weekends

• Be vigilant against skimming devices (check for loose card readers)

• Consider making fewer, larger withdrawals to minimise fees

• Use ATMs located at bank branches when possible for better security

Cash vs. Card: Finding the Right Balance

How Much Cash to Bring

For a week-long stay in Zante, consider the following cash guidelines:

• Minimum cash: €150-200 per person for small purchases and emergencies

• Comfortable amount: €300-400 per person for a mix of cash and card payments

• Cash-heavy preference: €500-700 per person if you prefer paying cash for most expenses

When to Use Cash vs. Card

Best uses for cash:

• Small purchases (under €10)

• Local markets and small shops

• Beach vendors and kiosks

• Tips for service staff

• Local buses and taxis

• Family-run restaurants off the main strip

Best uses for cards:

• Hotel payments

• Car rentals

• Larger restaurant bills

• Organised excursions

• Retail shopping

• Supermarket purchases

Overall Recommendation

For the optimal money management strategy in Zante:

1. Exchange about €200 per person before leaving the UK for immediate expenses

2. Bring a travel-friendly card like Starling, Monzo, or Revolut as your primary payment method

3. Have a backup card from a different bank/network

4. Make 1-2 larger ATM withdrawals during your stay rather than multiple small ones

5. Keep cash and cards in separate places for security

6. Track your spending using a travel app or notes on your phone

This balanced approach gives you flexibility while minimising fees and security concerns. Most travellers find that using cards for larger expenses and keeping cash for smaller purchases works best in Zante's mixed economy.

By following these guidelines, you'll spend less time worrying about money and more time enjoying the crystal-clear waters and vibrant nightlife that make Zante one of Greece's most beloved destinations!