Wise Best exchange rate
Wise debit card
45k0.43%-0.65% conversion fee
The best travel card for Portugal
Cards, cash and FX fees for Australian travellers.
Cards, cash and FX fees for Australian travellers. Around €0.61 to the dollar. Portugal is the best-value country in Western Europe - a proper lunch runs well under half what it costs in France.
Yes - cards work almost everywhere in Portugal, and you can get by on tap alone.
5 travel card options for Portugal, compared
Revolut No weekday FX fee
Revolut Standard
30k0% FX fee
Compare only
ING Orange Everyday
Orange Everyday
22k0% with monthly criteria
ubank Spend
Spend account
9k0% international fee
Macquarie Transaction Account
Transaction account
6k0% international fee
Prices are indicative, shown in AUD and refreshed from provider APIs where available. Always confirm the final price on the provider's site - it is the price that applies. We may earn a commission if you buy through our links, which never changes what you pay. Partners are listed before providers who pay us nothing, as our terms set out; sorting by price ignores all of that and orders on the number alone. How we make money.
Compared side by side
| Card | FX fee | ATM | Annual fee |
|---|---|---|---|
| Wise Partner | 0.43%-0.65% conversion fee | 2 free withdrawals/month up to $350, then 1.75% | $0 |
| Revolut | 0% on weekdays, up to 1% on weekends | $350/month fee-free, then 2% | $0 |
| ING Orange Everyday | Rebated if you meet the monthly criteria | International ATM fees rebated with criteria met | $0 |
| ubank Spend | 0% international transaction fee | $0 from ubank, ATM operator fees may apply | $0 |
| Macquarie Transaction Account | 0% foreign transaction fee | $0 from Macquarie | $0 |
Paying for things in Portugal
Can you pay by card in Portugal?
Very good. Multibanco is the domestic network and takes international cards at nearly every terminal.
Cash and ATMs in Portugal
Use Multibanco ATMs, which are fee-free and everywhere. Avoid Euronet.
Carry €50-€80 for markets, small tascas and tram tickets.
Do you tip in Portugal?
Not expected. Round up in a cafe, leave 5-10% in a restaurant if the service was good. The couvert - bread and olives brought unasked - is charged for, and you can send it back.
Worth knowing about paying in Portugal
Choose euros over Australian dollars whenever a terminal offers you the conversion.
Before you pay for anything in Portugal
Pay in Euro or Australian dollars?
The terminal will offer you both. One of them is materially more expensive.
Travel card, debit card or credit card?
Why the card sold hardest at the airport is usually the one that loses.
What is a foreign transaction fee?
Around 3%, charged by your own Australian bank. Removable before you fly.
What one Australian dollar buys in Portugal
€0.62 EUR per AUD
Last recorded rate
These are mid-market rates - the rate banks trade at, published by the European Central Bank. It is not what you will be offered. Expect a card or exchange service to take 0.5% to 5% off it, which is exactly what our travel money comparison is for. Past movement doesn't predict future rates, and none of this is financial advice.
View the numbers as a table
More Portugal essentials
Portugal visa and entry rules
Passport, visa, arrival cards and customs rules for Australian passport holders.
Flights to Portugal
Search fares from Australia, then sort the rest of the trip.
Portugal eSIM plans
Instant data, no physical SIM required.
Portugal travel insurance
Medical, cancellation and luggage cover for Australian travellers.
Portugal airport transfers
Trains, buses, private transfers and taxis compared.
Driving in Portugal
International Driving Permit rules and car hire for Australians.
Portugal travel essentials
Adapters, plugs, tap water, tipping and health basics.
Things to do in Portugal
Attractions, tours and passes worth booking ahead.
Further reading: Travel money for Australians: cards, cash and the fees nobody mentions
How these comparisons are made
Cards are compared on the three fees that actually cost travellers money - the FX margin, ATM fees and account fees - using each issuer's published rates. Jamie has personally spent on travel cards recommended here while overseas. Cash-versus-card guidance is researched per destination rather than copied between pages, because a card strategy that works in Stockholm fails in Osaka. Read the full editorial policy.
Planning Portugal?
We will send you the Portugal guide as it grows - what to book before you go, which eSIM and travel card are worth it there, and what things actually cost in Australian dollars.