{"id":10335,"date":"2026-05-26T10:52:28","date_gmt":"2026-05-26T08:52:28","guid":{"rendered":"https:\/\/andorrainsiders.com\/moneda-andorra-euro-pagos\/"},"modified":"2026-05-26T17:00:52","modified_gmt":"2026-05-26T15:00:52","slug":"moneda-andorra-euro-pagos","status":"publish","type":"post","link":"https:\/\/andorrainsiders.com\/en\/andorra-currency-euro-payments\/","title":{"rendered":"Currency in Andorra 2026: the euro, payments and practical advice"},"content":{"rendered":"

Andorra uses the euro as its official currency.<\/strong> Since 2011, when it signed a monetary agreement with the European Union. If you are coming from Spain, France, or any other eurozone country, You don't need to exchange money<\/strong>Prices are between 15% and 20% cheaper than in Spain thanks to the IGI of 4,5%<\/strong>, compared to the Spanish VAT rate of 21%. Card payments are accepted in virtually all establishments.<\/p>\n

The Andorran tax system: why prices are lower<\/h2>\n

Andorra does not apply VAT. Instead, it has the IGI (Indirect General Tax)<\/strong>with rates much lower than those of neighboring countries:<\/p>\n\n\n\n\n\n\n\n\n
Guy<\/th>\nIGI Andorra<\/th>\nVAT Spain<\/th>\nTVA France<\/th>\nApplication<\/th>\n<\/tr>\n<\/thead>\n
Standard<\/td>\n4,5%<\/td>\n21%<\/td>\n20%<\/td>\nElectronics, perfumes, clothing, services<\/td>\n<\/tr>\n
Reduced<\/td>\n1%<\/td>\n10%<\/td>\n5,5%<\/td>\nbasic foodstuffs, transport, hospitality<\/td>\n<\/tr>\n
Super-reduced<\/td>\n0%<\/td>\n4%<\/td>\n2,1%<\/td>\nMedicines, books, newspapers<\/td>\n<\/tr>\n
Special<\/td>\n9,5%<\/td>\n\u2014<\/td>\n\u2014<\/td>\nFinancial services, insurance, hotels<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n

This difference of up to 16.5 percentage points in the standard rate explains why prices in Andorra are significantly lower than in Spain or France.<\/p>\n

History of the euro in Andorra<\/h2>\n

Before 2011, Andorra did not have its own official currency. The Principality used the French<\/strong> and the Spanish peseta<\/strong> In parallel, its economy has always been closely linked to its two neighbors. With the creation of the euro, Andorra continued to use both currencies de facto until 2011<\/strong> It signed the Monetary Agreement with the European Union, which allows it to issue its own euro coins (with the Andorran coat of arms on the reverse) and use the euro as its official currency.<\/p>\n

ATMs and banks in Andorra<\/h2>\n

Andorra has a network of approximately 150 ATMs<\/strong> distributed throughout the country. The main Andorran banks are:<\/p>\n

    \n
  • Cr\u00e8dit Andorr\u00e0<\/strong>: the largest in the country, extensive ATM network<\/li>\n
  • MoraBanc<\/strong>: strong presence in Andorra la Vella and Escaldes<\/li>\n
  • Andbank<\/strong>Private and investment banking, also with retail ATMs<\/li>\n
  • BancSabadell Andorra<\/strong>A subsidiary of the Spanish bank, familiar to many visitors<\/li>\n<\/ul>\n

    European debit and credit cards (Visa, Mastercard) work without problems at all ATMs. Revolut, N26 and Wise<\/strong> They also work perfectly \u2014 in fact, they are a good option to avoid currency exchange fees if you are coming from outside the eurozone.<\/p>\n

    Card payments: what you should know<\/h2>\n
      \n
    • Contactless<\/strong>: practically universal in shops, restaurants and hotels.<\/li>\n
    • Apple Pay and Google Pay<\/strong>They are very widespread. Most modern terminals support them.<\/li>\n
    • American Express<\/strong>: accepted in hotels and large establishments, but less common in small shops and restaurants.<\/li>\n
    • Cash<\/strong>Preferred in markets, small shops in the old town, and souvenir stalls. Always carry some cash.<\/li>\n<\/ul>\n

      Indicative daily budget in Andorra<\/h2>\n\n\n\n\n\n\n\n\n
      Profile<\/th>\nCost\/day per person<\/th>\nApproximate breakdown<\/th>\n<\/tr>\n<\/thead>\n
      Budget<\/td>\n~45 \u20ac<\/td>\nHostel accommodation \u20ac25, set menu \u20ac12, bus transport \u20ac3, coffee\/snack \u20ac5<\/td>\n<\/tr>\n
      Half<\/td>\n~95 \u20ac<\/td>\nHotel 3\u2605 \u20ac55, restaurant menu \u20ac20, activity\/entrance \u20ac15, transport \u20ac5<\/td>\n<\/tr>\n
      Comfortable<\/td>\n~170 \u20ac<\/td>\n4-star hotel \u20ac100, restaurant dinner \u20ac35, Caldea spa or activity \u20ac25, extras \u20ac10<\/td>\n<\/tr>\n
      Luxury<\/td>\n~300 \u20ac+<\/td>\nHotel 5\u2605\/spa \u20ac180+, gourmet restaurant \u20ac60+, In\u00fau \u20ac70+<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n

      Andorra vs Spain and France: day-to-day price differences<\/h2>\n\n\n\n\n\n\n\n\n\n
      Concept<\/th>\nAndorra<\/th>\nSpain (Barcelona)<\/th>\nFrance (Toulouse)<\/th>\n<\/tr>\n<\/thead>\n
      Coffee with milk<\/td>\n~1,50 \u20ac<\/td>\n~1,80 \u20ac<\/td>\n~2,50 \u20ac<\/td>\n<\/tr>\n
      Set menu (3 courses)<\/td>\n~12-15 \u20ac<\/td>\n~13-16 \u20ac<\/td>\n~16-20 \u20ac<\/td>\n<\/tr>\n
      Beer (draft\/demi)<\/td>\n~2 \u20ac<\/td>\n~2,50 \u20ac<\/td>\n~4 \u20ac<\/td>\n<\/tr>\n
      3-star hotel night<\/td>\n~60-90 \u20ac<\/td>\n~80-130 \u20ac<\/td>\n~80-120 \u20ac<\/td>\n<\/tr>\n
      Gasoline (1L unleaded)<\/td>\n~1,15 \u20ac<\/td>\n~1,65 \u20ac<\/td>\n~1,80 \u20ac<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n

      Are tips mandatory in Andorra?<\/h2>\n

      Tipping is not mandatory in Andorra, but it is appreciated for good service. Andorran culture (with its French and Spanish influences) has this custom:<\/p>\n

        \n
      • Restaurants<\/strong>Round up the bill or leave a 5-10% tip for good service. Tips are not expected in bars with set menus.<\/li>\n
      • Hotels<\/strong>: ~1-2 \u20ac per suitcase to the porter, ~2-5 \u20ac to the cleaning staff for long stays.<\/li>\n
      • Taxis<\/strong>Rounding to the nearest euro is common practice.<\/li>\n
      • Ski or tour guides<\/strong>5-10 euros per person at the end of the day if the service was excellent.<\/li>\n<\/ul>\n

        Can I open a bank account in Andorra?<\/h2>\n

        As tourist<\/strong>It is not possible to open an Andorran bank account. Andorran banks require residency or demonstrable economic ties to the Principality. resident or worker<\/strong>Yes, you can open an account at any of the main banks by presenting your residence or work permit and proof of registration.<\/p>\n