What Countries Use the Euro? A Comprehensive Guide
The euro (€) is the official currency of 20 European Union (EU) member states. This guide provides a detailed overview of which countries use the euro, including overseas territories and other nations where it’s accepted.
Eurozone Countries: The Core of the Euro
The eurozone encompasses 20 EU countries where the euro is the sole legal tender:
- Austria
- Belgium
- Croatia
- Cyprus
- Estonia
- Finland
- France
- Germany
- Greece
- Ireland
- Italy
- Latvia
- Lithuania
- Luxembourg
- Malta
- Netherlands
- Portugal
- Slovakia
- Slovenia
- Spain
These nations comprise the euro area, officially known as the eurozone. Within these countries, all euro banknotes and coins are universally accepted, facilitating trade and travel.
Beyond the Eurozone: Where the Euro Extends its Reach
While the 20 eurozone countries represent the primary users of the euro, its influence extends further. Several EU overseas territories also utilize the euro:
- The Azores (Portugal)
- The Canary Islands (Spain)
- Ceuta and Melilla (Spain)
- French Guiana (France)
- Guadeloupe (France)
- Madeira (Portugal)
- Martinique (France)
- Mayotte (France)
- Réunion (France)
- Saint Barthélemy (France)
- Saint Pierre and Miquelon (France)
These territories, though geographically separated from mainland Europe, benefit from the economic stability and integration provided by the euro.
Non-EU Countries Using the Euro
Beyond the EU and its territories, four independent European microstates have adopted the euro as their official currency through formal agreements with the EU:
- Andorra
- Monaco
- San Marino
- Vatican City
Furthermore, Kosovo and Montenegro also utilize the euro as their de facto currency, although they lack formal agreements with the EU. This widespread adoption underscores the euro’s significance as a stable and reliable currency.
Using the Euro While Traveling
Travelers within the eurozone enjoy seamless transactions with euro cash and cards. Charges for euro transactions within the EU, regardless of the card’s origin country, should be the same as domestic transactions. This regulation ensures transparency and fairness for consumers.
The same principle applies to euro transactions between euro accounts, even if occurring outside the euro area. This consistency simplifies financial interactions for individuals and businesses operating across borders. Knowing what countries use the euro enables travelers to plan effectively and manage their finances with ease.