How Much Money do I Bring on a Europe Tour?

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So you’re planning a Europe vacation. You’ve paid for your flight and tour, and you are wondering how much additional money you will need for optional excursions and expenses. This is obviously a difficult question, since the amount will vary from person to person based on several factors including your shopping habits, types of food you enjoying eating and more. A lot also depends on which tour company you travel with.  Cosmos Tours, Trafalgar cost saver and other value tours, typically include less meals and sightseeing, so you have the option of buying the optional excursions or venturing out on your own.  Hotel at times are not in the city center, so you may have to spend more on transportation costs.  First class tour operators such as Globus Tour, Trafalgar Tours, Insight Tours and Collette Vacations itineraries include many features which will save you money on tour – if you study your tour itinerary or discuss in detail with your travel agent, you will see how many highlight visits and other sightseeing are included, as well as meals and entertainment. Last but not least, if you travel with a deluxe tour such as Tauck Tours or Insight Gold deluxe tours, you will find that even more up front expenses are included so you will have considerably less out of pocket expenses.
Listed below is a guideto extra expenses for which you should budget per person.
Meals: Lunches are usually not included and peoples’ requirements vary. We suggest US$14 (€10) per day. Where evening meals are not included, the cost will depend on the type and locations of restaurants used. As a guide, in Europe allow US$43-60 (€29-41) per day. While in Britain and Ireland we suggest US$26-34 (€18-23) per day. You should budget for drinks with meals and refreshment stops during the day. Nonalcoholic drinks cost approximately US$3-4 (€2-3) each.
Optional Excursions: Experience has shown us that most passengers participate in these excursions and you should therefore budget per person as follows, assuming that the majority are purchased:

Essentials Tours: US$50-60 (€34-41) per day
First Class Tours: US$40-50 (€27-34) per day

Optional excursions are usually priced in Euros. Payment can be made in cash or by Visa, Mastercard and American Express. Please note that credit/debit card payments can only be processed in Euros however cash can be taken in most major currencies and your Tour Director will be able to give you specific details of relevant exchange rates on commencement of your tour.

Personal Expenditure: Souvenirs, stamps, postcards, telephone calls, taxi fares, laundry. Allow yourself US$6-8 (€4-6) per day whilst in Europe, and US$9-11 (€6-8) per day in Britain and Ireland, plus extra for any major gifts. You are advised, whatever your personal requirements may be, to bring more money rather than less. Once overseas, it can be complicated and time consuming to transfer additional funds from home, especially when you are on the move. You cannot always draw extra money on credit cards and they are still not accepted everywhere. Personal cheques are not accepted unless you hold a bank account in the host country.

Start researching Europe tour packages.
You may also want to read our post Budget vs. First Class tours – what you need to know before you buy or First Class vs. Deluxe tours – which is the best tour?
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Sue Lobo
Sue Lobo is a four-time Condé Nast Traveler Top Travel Specialist (2023, 2024, 2025 & 2026) and Senior Travel Advisor at Atlas Travel Center, one of the most decorated travel agencies in the United States. With more than 35 years of experience in the travel industry, Sue has planned, booked, and personally accompanied trips for thousands of clients — from first-time cruisers to seasoned luxury travelers who have circled the globe multiple times. Sue's areas of deep expertise include ocean and river cruising, European tours, group travel coordination, luxury travel, honeymoon planning, and family vacation design. She is a CLIA-certified cruise specialist and works within an agency that holds IATA and ARC accreditation and maintains an A+ rating from the Better Business Bureau. Over her career, Sue has been involved in more than 30,000 bookings and has personally coordinated over 200 travel groups — from faith-based group cruises and HBCU alumni trips to women's retreats, family reunions, and corporate incentive travel. What sets Sue apart is not just the credentials — it is the firsthand experience behind them. Sue has personally traveled to more than 20 countries across three continents, including Cuba, Egypt, the United Arab Emirates, and throughout Europe. She has sailed on dozens of cruise ships across nearly every major line, walked the river cruise routes she recommends, and eaten at the restaurants she suggests to clients. Her recommendations come from personal experience, not brochures. In addition to advising clients, Sue writes extensively about travel for The Traveler's Atlas blog — covering everything from cruise line comparisons and overtourism trends to destination guides and practical travel tips. Her writing is grounded in the same expertise she brings to every client conversation: honest, specific, and built on decades of real-world travel experience. Sue is based in the United States and available to help travelers plan cruises, European tours, group trips, river cruises, honeymoons, family vacations, and more. To work with Sue, contact Atlas Travel Center at atlastravelweb.com.