The Euro is used in 23 European countries - Andorra, Austria, Belgium, Cyprus, Estonia, Finland, France, Germany, Greece, Ireland, Italy, Kosovo, Luxembourg, Malta, Montenegro, the Netherlands, Portugal, San Marino, Slovakia, Slovenia, Spain, Monaco and Vatican City - but is not accepted as payment in Bulgaria, the Czech Republic, Denmark, Russia, Hungary, Latvia, Lithuania, Poland, Romania, Sweden and the United Kingdom. Switzerland is a bit of mixed bag. The euro is accepted in many tourist areas but change is often given in Swiss francs. The symbol for the euro is €. Euro notes are identical in all countries but each country issues their own coins. All notes and coins can be used in those European countries that have adopted the Euro. The most convenient way to get local currency is from an ATM (cash machines) but it isn't always the cheapest as banks charge a transaction fee for withdrawals made from another bank's machine and/or for international transactions. What's more, cash withdrawals with a credit card are considered a cash advance and may incur higher fees. - Do your homework before you depart. - Credit cards are readily taken in Europe and are almost always required to rent a car and make advance bookings for hotels, tours and attractions. Visa and MasterCard are widely accepted. Many small establishments, from retailers to B&Bs, don't take American Express as merchant fees are high. The Discovery Card is all but unknown. While there is no fixed standard for tipping in Europe these rules of thumb will help you through. If service is included, there's no need to tip on top. If service isn't included, add 10%. Tipping for other services is generally not required.