如题，圣诞要去欧洲玩，打算换些欧元，谢谢！
西班牙到处 苹果支付 Apple Pay
街边的小咖啡店喝个咖啡 2 欧元也 Apple pay
感觉和德国没区别
只是手机支付比例极高 ， 德国这里用现金的一半一半。
西班牙很少人用了。 公交司机都没啥现金
我带了些现金去西班牙旅游
基本没用上
任何地方都可以Apple pay。方便安全
另外 马约卡岛 巴塞罗那 到处都是 德意志银行 和 西班牙那家最大银行
和生活在德国没有区别
有HSBC的话，可以在线开一个international money account，免费借记卡，海外消费没有fx手续费
或者用starling revolut之类的银行卡，提前预存或者买入欧元，落地就可以找免费提款机提现了，刷卡也是一样
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Monzo 也可以免费ATM取欧阳
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Halifax Clarity credit card 信用卡
刷其他货币的时候按照实时汇率结算，记得刷卡的时候别选当地货币。
境外非英镑取现金免手续费，在普通atm就能随便取。
Main card features
- We don’t charge you for using your card abroad, including purchases and cash withdrawals.
- Mastercard is widely accepted in lots of countries.
- Purchases at home and overseas over £100 and up to £30,000 are covered by Section 75 of the Consumer Credit Act 1974.
Some charges to be aware of
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Some cash machine companies may charge you for withdrawing cash.
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We will charge interest on cash withdrawals, money transfers and balance transfers until you pay it back.
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Unless you repay your balance in full each month, we’ll charge interest for any card purchases.