Czech Republic Payment Methods and Currency Exchange Guide

The Czech Republic uses the Czech koruna (CZK) as its official currency. Most urban areas and tourist destinations accept a range of payment methods, but cash remains common in smaller towns and for minor purchases.

• Official currency: Czech koruna (CZK), code: CZK.
• Accepted payment methods: Cash (CZK), credit/debit cards (Visa, Mastercard), and mobile payments (Apple Pay, Google Pay) are widely accepted in cities and larger businesses.
• Contactless payments: Contactless cards and mobile wallets are prevalent, especially in Prague and major cities.
• ATM availability: ATMs are widely available; most accept international cards. Some ATMs may charge withdrawal fees for foreign cards.
• Currency exchange: Exchange services are available at banks, airports, and licensed exchange offices. Banks generally offer more favorable rates than airport kiosks.
• Foreign currency restrictions: Payments in foreign currencies are uncommon; use CZK for most transactions.
• Cash import/export limits: Amounts over EUR 10,000 (or equivalent in CZK or other currencies) must be declared to customs upon entry or exit.
• Transaction fees: Foreign card transactions may incur a surcharge (typically 1–3%). Dynamic currency conversion at ATMs or POS terminals may result in higher fees.
• Common issues: Some small businesses and rural areas may accept only cash. Always check for hidden fees at exchange offices.
• Major banks: Česká spořitelna, Komerční banka, ČSOB, and Raiffeisenbank.
• Regulations: The Czech National Bank oversees currency and payment regulations. Travelers should consult official sources for updates.