travel money northern ireland

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Ireland currency travel guide

Planning a trip to ireland here’s all you need to know when preparing to spend in the emerald isle..

In this guide

Travel card, debit card or credit card?

These are your options for spending money in ireland, which credit card issuers are accepted in ireland, compare travel credit cards, a guide to ireland’s coins and banknotes, buying euros and pounds sterling in the us, using an atm in ireland, atms in ireland, how much should i budget to travel in ireland.

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Ireland has its own unique currency and travel money customs: Euros are the currency of the Republic of Ireland, while Northern Ireland uses the British pound. Despite this separation, you can feel safe paying with credit cards, debit cards, cash or prepaid travel cards during your trip.

A credit card is your best and simplest option in Ireland, as most retailers accept them, and most travel credit cards help save on foreign transaction fees. Read up on all your spending options to make sure you’re prepared for your trip to the Emerald Isle.

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You shouldn’t have a problem using any Visa or Mastercard product at Irish shops and ATMs. American Express can also be used but at fewer places. Diners Club is accepted in fewer places than American Express, and Discover cards are rarely and sporadically accepted.

Some debit cards and travel cards waive international transaction charges and give you free international ATM withdrawals. Use a travel card or debit card for everyday purchases, cash withdrawals when you need euros or pounds and a credit card for everything else.

If you’re in the market for a new credit card, why not apply for a credit card with travel features? Complimentary insurance can save you hundreds before you leave the country. Some cards even offer extended interest-free terms for up to a year or more.

Using a credit card

Credit cards are great for larger purchases like travel bookings and souvenirs. Some credit cards also provide travel benefits like travel insurance or rewards. The Capital One VentureOne Rewards Credit Card , for example, earns miles on purchases and waives foreign transaction fees you would incur on purchases abroad (Terms apply, see rates & fees ).

Different travel credit cards offer different kinds of perks, so it’s wise to compare your options to find the right combination of features suitable for your travels.

• Tip: Even with these travel benefits, avoid using your credit card to withdraw cash. Cash advance interest and fees apply for this type of transaction — and you don’t get interest-free days either.
• Protected by PIN and chip
• No currency conversion fees
• Features such as complimentary travel insurance
• Interest-free period on purchases
• Fees and high interest on cash advances
• Subject to an annual fee
• International transaction fees and interest charges may also apply

In Ireland, American Express and Discover cards aren’t as popular as Mastercard or Visa, but in some places, you can still pay with them.

If you want to make a cash withdrawal with an Amex card, look for Bank of Ireland or Centra ATMs. For Discover cards, Allied Irish Banks ATMs will work.

Explore top debit cards with no foreign transaction fees and travel credit cards by using the tabs to narrow down your options. Select Compare for up to four products to see their benefits side by side.

• Credit cards

Using a debit card

There are only a handful of debit accounts with features suited to travelers. What you want to keep an eye out for is a card that doesn’t charge for international ATM and foreign transaction fees, like from Betterment Checking — local or out-of-network ATM operator fees may still apply.

• Tip: Tell your bank about your travel plans to Ireland. There’s a good chance your card will be blocked if you use it outside the country without notice.
• Secured with a chip and PIN technology
• Can be easily blocked by your issuer with just a phone call
• ATMs are abundant
• No backup card
• Linked directly to bank account if your card goes missing
• Local ATM operator fees may apply

Using a prepaid travel card

All travel cards let you load euros and pounds, the respective currencies of Ireland and Northern Ireland. Pounds are also used throughout the rest of neighboring Great Britain — most trips to Ireland also involve a trip to the United Kingdom.

You’ll be able to spend without paying for currency conversion — however, you’ll pay ATM fees, reload fees and be subject to an inflated travel card exchange rate.

• Tip: Depending on the card you use, you may end up with a higher or lower exchange rate. Check with your providers to see what rates apply and work out the most affordable option.
• All travel cards let you load euros and pounds
• Save on currency conversion fees
• Can be easily blocked with just a phone call
• Back up card and PIN protection
• Antifraud protection
• You’ll need to pay reload fees and ATM fees
• Can take up to five or six days if you’re trying to reload your travel card over a weekend or holiday
• Poor exchange rate

Paying with cash in Ireland

• Greater payment flexibility
• Convenience
• More difficult to manage expenses
• Higher risk of theft

In the Republic of Ireland , the official currency is the euro. Notes are €5, €10, €20, €50, €100, €200 and €500, while coins are 1c, 2c, 5c, 10c, 20c, 50c, €1 and €2.

ATMs take the hassle out of getting local currency. Americans don’t have to pay to enter Ireland or the United Kingdom, so there’s no reason why you should need a large amount of cash right away. However, it can be a good idea to have some small bills to pay for food or a train or taxi from the airport.

US banks charge a commission to exchange funds — Travelex is a better option. There’s no commission, and Travelex has a number of locations, including airports, that make it convenient.

The main banks in Ireland are:

• Allied Irish Bank (AIB)
• Bank of Ireland
• Ulster Bank
• CitiBank Europe
• Permanent Group Holdings
• Danske Bank (Ireland)
• KBC Bank Ireland
• Bank of Montreal Ireland PLC

There is no shortage of ATMs in Ireland, with a majority of them part of the Visa or Mastercard network. American Express is less commonly accepted, and Discover cards rarely, if at all.

Optimize your savings when accessing an ATM using a debit card from a bank that waives ATM fees or foreign transaction fees, like Betterment Checking. Give your cardholder’s agreement a close look before traveling to get a sense of what fees you might incur and when they occur.

Refreshing in: 60s | Sat, Apr 13, 02:02AM GMT

In Northern Ireland , the pound sterling is the local currency. Notes are £5, £10, £20, £50 and £100, while coins are 1p, 2p, 5p, 10p, 20p, 50p, £1 and £2.

Traveling to Ireland is expensive. Even budget travelers should plan for at least $50 per day. If you’re looking to stay in nicer hotels rather than hostels or dorm beds, you’re looking at a budget of $130 to $250 a day. You’ll find Northern Ireland a bit more expensive.

All prices are in US dollars.

Prices are approximate and are subject to change.

• There are credit cards, debit cards and travel cards that don’t charge for ATM withdrawals. Be sure to apply for a card with low ATM withdrawal fees so you can get euros or pounds for cheap.
• Always pay in euros or pounds when using your credit or debit card. You may be asked to pay in USD, but you’ll get robbed on the exchange rate if you do this.

Case study: Luke's experience

Case study: Interview with Luke about spending in Ireland

Do you have any tips?

Let your bank know about your travel plans to avoid the hassle of calling your bank to unlock your credit card. Luke says he failed to do that, and Barclaycard blocked his card once he used it in Ireland.

Kyle Morgan

Kyle Morgan is SEO manager at Forbes Advisor and a former editor and content strategist at Finder. He has written for the USA Today network and Relix magazine, among other publications. He holds a BA in journalism and media from Rutgers University.

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Currency in Northern Ireland

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As part of the United Kingdom, Northern Ireland's currency is the pound sterling (£). Those travelling on Ireland vacations and self drive tours which entail both travel to the South and North of Ireland must remember to have both sets of currency on their person (Pound Sterling £ and Euro €).

Unusually, individual currency notes are available from all the major banks operating in Northern Ireland. This can be confusing for visitors as not only will you find standard English (Bank of England) notes in circulation but also but also Sterling from Ulster Bank, Bank of Ireland and Northern Bank as well as notes from Scottish banks and occasional Bank of Isle of Man notes.

All of these notes are accepted in general commerce throughout Northern Ireland. This can mean up to half a dozen different notes for the exact same denomination.

Important to note if traveling to England after your visit to Northern Ireland:

In England, most retailers will only accept standard Bank of England notes so remember to change any notes you have that were issued by a Northern Irish bank if travelling from Northern Ireland to England. One pound sterling consists of 100 pence. Available notes are £5, £10, £20, £50 and £100 and available coins are 1p, 2p, 5p, 10p, 20p, 50p, £1 and £2.

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Discover all you need to know about Ireland's currencies, cards and bank services.

Cash or credit? However you like to pay, it's pretty easy to manage your money while you're in Ireland

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Credit and debit cards, banking services.

• Traveller's cheques

In Ireland, there are two currencies you'll need depending on where you travel. The euro is used in the Republic of Ireland. One euro consists of 100 cent. Notes are €5, €10, €20, €50, €100, €200 and €500. Coins are 5c, 10c, 20c, 50c, €1 and €2.

In Northern Ireland, pound sterling is the official currency. One pound sterling consists of 100 pence. Notes are £5, £10, £20, and £50. Coins are 1p, 2p, 5p, 10p, 20p, 50p, £1 and £2.

Writer's Square, Belfast

Visa and Mastercard are widely accepted throughout the island of Ireland; American Express is accepted in some places but not all. Credit cards can be used for purchases and also to withdraw cash from ATMs (although this usually is accompanied by a fee). You can also withdraw cash from ATMs with your Mastercard or Visa debit card. Fees will still be charged but at a lower rate to credit cards. Ireland uses a “chip and pin” system for debit and credit card transactions. Retailers may still accept swipe cards but please note this is not always guaranteed. It is recommended that you notify your bank of your travel plans prior to your departure.

Contactless payment is increasingly popular. You can "tap" your debit card to pay for purchases of up to €50 or £45.

Banks in both the Republic of Ireland and Northern Ireland generally open around 9.30am and close about 4.30pm Monday through Friday; 5pm on Thursday. Selected banks may open on Saturday mornings. ATM (cash) machines are located at most banks and in cities, towns and villages, and accept most credit and debit cards.

Traveler's checks 

Travelers' checks are no longer widely accepted on the island of Ireland.

Ireland Currency: A Guide For the Non-Irish Travelers

Categories Travel Guides

When traveling, most expenses are either part of a set budget or at least, one has an estimate on how and where to spend when in a particular destination. In Ireland, money matters can be a bit tricky as there are Northern Ireland and the Republic of Ireland with different official currencies.

If you’re traveling between both Irelands, it is best to know how you could pay or make purchases without any trouble. Here are some things you need to know about currency, money, and spending in Ireland. 

Things you'll find in this article

Ireland Currency 

Atms in ireland, credit / debit cards in ireland, personal and traveler’s checks, banking services in ireland, security , tipping in ireland.

Since Ireland is divided into two parts, Northern Ireland and the Republic of Ireland, they have different currencies. Northern Ireland is part of the United Kingdom, and therefore uses the British ‪pound sterling‬ (£), while the Republic of Ireland’s official currency is the Euro (€).

This means that the British pound cannot be used in the Republic, in the same manner, that the euro is not accepted in the North. If you are visiting both Irelands, you’ll need some of both currencies, but know that shops located right on the border accept both pound and euro. 

Northern Ireland’s British currency has notes in the following denominations: £5, £10, £20, £50, and £100. Coins meanwhile,has £2, £1, 50p, 20p, 10p, 5p, 2p, and 1p denominations.

The Euro, on the other hand, comes in the following denominations: coins have  1c, 2c, 5c, 10c, 20c, 50c, €1, €2 while banknotes have €5, €10, €20, €50, €100, €200, €500. 

Since the Euro is the official currency of the Euro Zone, the Euros you buy for use in Ireland is also accepted in many countries across Europe such France , Germany, Greece, Italy , Portugal, Slovakia, Slovenia, and Spain, the Euro cannot be used in the United Kingdom.

‪International travelers and locals alike can buy euros in ATM machines in Dublin airport and in most banks or currency exchange outlets within the city. ‬

‪Using an automated teller machine  (ATM) is the best and most convenient way to get cash if you’re traveling. Also referred to as cash machines or cash points, ‬the ‪Cirrus‬ and ‪PLUS‬ ATM networks are all over the world. 

Most Republic and Northern Ireland ATMs accept PINs of four to six digits, but they often do not have alphanumeric keypads. If your PIN includes letters, you may use a telephone dial to figure out the numeric equivalents. 

In Ireland, most cities and large towns typically have an ATM. In the rural counties though, such as Clare , Galway, and Limerick — there are not enough easily accessible ATMs. If you cannot locate an ATM, there are convenience stores that have their own cash machines.

However, these establishments charge a few euros or pounds for every transaction, and it’s even higher for international travelers as it goes up to $5 or more. Before traveling, it is best to ask your bank regarding international transaction fees, to ensure that you won overspend and be short of cash in a foreign country. 

In both Northern Ireland and the Republic of Ireland’s major cities, credit or debit cards are usually accepted. As a precaution though, you must inform your local bank that you will be traveling and most likely will use your credit or debit card.

This is to be certain that your transactions in another country won’t be marked as fraudulent and to ensure that payment and purchases will go through. 

Aside from being a safe and easy way to carry money, credit cards also provide a record of all your transactions so you can easily track them, as well as offer good exchange rates when purchasing. 

You can also withdraw cash advances using a credit card in most ATMs. Just make sure you know all transaction fees so you can better manage the way you use your cash cards. 

The most widely accepted credit /debit cards in Ireland are Visa and MasterCard. Most major hotels meanwhile, accept American Express and Diners Club. Keep in mind though that in Ireland, most small businesses and B&Bs do not accept credit cards so make sure you also have enough money ready. 

‪Just in case you’d ever consider using checks to pay for anything in Ireland, you should know that these days,  it’s not encouraged or recommended. There may have been establishments where they’re accepted but nowadays, checks are almost facing extinction.

Whether it’s a personal or traveler’s checks, there’s no guarantee that they can be encashed in international banks based in Ireland. It is best then to not bring checks and just either use a card or pay in cash.‬

Irelands banks typically open around 9:30 in the morning and close at 4:30 in the afternoon from Monday to Friday and until 5 p.m. every Thursday,  while some banks may open on Saturday morning.

Most of these banks have on-site automated teller machines, and there are banks in most major cities, towns, and villages. 

In Ireland, safety and security are not much of a problem . However, it is best to always take precautions against crimes like robbery. Make sure you do not carry a huge amount of cash or leave your valuables unattended or on display. 

When traveling to any country, one typically spends on transportation, accommodations, tour guides, and food. Ireland does not have a tipping culture or a set rule in giving tips.

However, as a courtesy and to show appreciation for good service, and if the receipt does not have a service/table charge — a typical amount to give would be 10 to 15% off your total bill.

Tipping also varies per industry. Check out this tipping guide in Ireland article for more details. 

Hi, I’m Christine – a full-time traveler and career woman. Although I’m from the Philippines, my location independent career took me to over 40 countries for the past 8 years. I also lived in 3 continents – from the Caribbean, South East Asia to Africa. But despite living in several countries, my love for Ireland remains the same. A country that had been a part of my life since I was 14 because of my love for Irish music and bands. Ireland Travel Guides was born because of this passion and hopefully, in some little ways, this website will be able to help you on your next trip to Ireland.

The Irish Harp - History And Meaning - Ireland Travel Guides

Friday 17th of September 2021

[…] harp also appears on the Irish Euro coins as well as in the logo for Guinness, which is unofficially the national drink of […]

Understanding Northern Ireland Currency: A Comprehensive Guide

Welcome to the intricate world of Northern Ireland’s currency! A labyrinth where local banks issue their unique banknotes, adding nuanced layers to the traditional British Pound Sterling. This comprehensive guide is your Sherpa, leading you through the fascinating terrain of northern ireland currency system, exchange rates, and safe financial practices.

Key Takeaways

Northern Ireland uses the British Pound Sterling as its official currency, with local banks issuing their own unique banknotes.

Polymer notes have recently been introduced to improve security and durability, featuring state-of-the art features such as holograms and microlettering.

It is important to plan finances before travelling by bringing proper currency (Pound Sterling), monitoring exchange rates & confirming foreign transaction fees with credit card provider.

Currency Overview in Northern Ireland

The British Pound Sterling serves as the official currency in Northern Ireland. Yet, you’ll often encounter banknotes bearing the insignia of Ulster Bank, Danske Bank, or Bank of Ireland. These local entities possess the authority to circulate their exclusive banknotes in £5, £10, £20, £50, and £100 denominations. Their distinct designs infuse a unique local touch into the conventional British Pound Sterling.

Such an arrangement of local banks issuing notes is rather uncommon. This distinctive system is shared only by Northern Ireland, Scotland, and the Channel Islands. Thus, your spending in Northern Ireland will be in UK pounds, albeit with an Irish flair!

Legal Tender Across the Region

When it comes to legal tender, Northern Ireland’s banknotes hold an interesting position. They are recognized for the settlement of debts throughout the UK, making them as useful as the Bank of England notes. However, they are not considered legal tender outside Northern Ireland. This may seem like a riddle wrapped in a mystery, but it’s just another intriguing aspect of Northern Ireland’s financial landscape.

A noteworthy development in recent years has been the shift from paper to polymer notes. The advantages of polymer notes include:

More durable

These features extend the lifespan of the notes and promote environmental sustainability in comparison to traditional paper notes. However, polymer notes also present a few challenges, such as sensitivity to extreme temperatures and handling issues.

Polymer and Paper Notes

At the heart of Northern Ireland’s currency evolution is the transition from paper to polymer notes. Polymer notes are more resilient and secure, while paper notes are still accepted but are being phased out. The transition has been gradual, starting with the Ulster Bank £50 note on June 23, 2021, and the £5 and £10 notes on September 30, 2023. This move to polymer notes is driven by their increased durability, longevity, and improved security features that make them more difficult to counterfeit.

The polymer notes come equipped with state-of-the-art security features including:

Raised print

Microlettering

These features make them a hard nut to crack for counterfeiters. This commitment to innovation and security is a shining example of the northern bank sector in Northern Ireland, demonstrating dedication to addressing the changing needs of the public.

The Role of Ulster Bank and National Westminster Bank Plc

Ulster Bank and National Westminster Bank Plc hold significant roles in Northern Ireland’s unique banking landscape. Bank of Ireland and Ulster Bank are two banking entities that hold the authority to release banknotes in Northern Ireland. The third being First Trust Bank. Ulster Bank has been issuing its own banknotes since its establishment, a tradition as deeply rooted in Northern Ireland’s history as the Giant’s Causeway .

Established in 1836, Ulster Bank has been an integral part of the region’s banking sector. It issues a variety of banknotes, including the widely recognized £20 note. National Westminster Bank Plc, the parent company of Ulster Bank, does not issue separate banknotes but does so under the Ulster Bank branding. These banks, with their unique banknotes, contribute to the rich tapestry of Northern Ireland’s currency system.

Handling Money Transactions

Much like many other regions, Northern Ireland boasts an efficient system for managing foreign transactions. These transactions require conversions to the Pound Sterling at the prevailing exchange rate. So, whether you’re buying a pair of traditional Irish dancing shoes or paying for a guided tour of the Titanic Belfast, you’ll be using the Pound Sterling (£) for all transactions.

The determination of exchange rates for these transactions, also known as currency conversions, is as intricate a process as weaving a Celtic knot. The exchange rates are typically based on the Bank of England’s rates, with amounts in sterling determined at the time of the transaction according to the current exchange rate.

Foreign Transactions and Exchange Rates

Navigating the world of foreign transactions and exchange rates can feel like trying to traverse the Giant’s Causeway in the fog. However, with the right understanding, it becomes a walk in the park. The exchange rate of the British pound relative to other major currencies fluctuates depending on various factors. That’s why it’s recommended to consult reliable sources such as OFX or XE for the most up-to-date rates.

Exchange rates are determined by a variety of elements, including:

Interest rates

Government/public debt

Political stability

Economic productivity

Significant external occurrences like Brexit

The Bank of England computes and makes available daily figures for Effective Exchange Rate Indices (ERIs) for significant international currencies, including sterling.

Bear in mind, though, that foreign transactions in Northern Ireland may incur additional fees. These fees vary depending on the card and bank, so it’s always a good idea to check with your bank.

Widely Accepted Payment Methods

Despite its deep historical roots, Northern Ireland keeps pace with modern payment methods. Credit cards, particularly Visa and MasterCard, enjoy wide acceptance, proving to be a versatile tool for travelers akin to a Swiss army knife. Debit cards are also commonly accepted, used by many businesses, from markets to pubs.

And for those who prefer a touch of the modern, Northern Ireland embraces the digital age with open arms. Digital payment methods such as Apple Pay and Google Wallet are extensively accepted, making transactions as easy as a tap of the phone.

Currency Exchange Services

Northern Ireland offers a plethora of options for currency exchange services. You can access these services at a number of locations, including:

Post offices

Tourist offices

Bureaux de Change

It’s like having a personal currency exchange concierge at your service.

Hotels in Northern Ireland provide currency exchange services to their patrons. Bureaux de Change, dedicated currency exchange offices, are situated in various locations across Northern Ireland. They offer convenient services, albeit with higher commissions and fees, but when you’re in need of quick cash, they can be a lifesaver.

Issuing Banks and Their Notes

The Northern Ireland banknotes, issued by local banks, are like colorful pieces of a financial jigsaw puzzle. Each banknote, with its unique design and features, tells a story. The Bank of England issues banknotes in 6 different denominations:

All the notes have similar colourful designs and security features to protect them from forgery. However, the 1 pound note is no longer distributed by any bank in Northern Ireland.

Some banknotes, like the paper 50 and 100 pound notes issued by Ulster Bank, have been retired from the game and are no longer accepted as legal tender. The First Trust Bank notes have been superseded by Bank of England banknotes and became invalid as legal tender after June 30, 2022. Yet, the design of current banknotes, from the 5 pound note issued by Bank of Ireland and Ulster Bank to the euro notes featuring generic depictions of Northern Irish people, adds color and character to the currency system.

Unique Features of Local Banknotes

Northern Ireland banknotes are not just currency; they are canvases showcasing the region’s cultural heritage. They feature designs that illustrate native creatures, plants, and cultural elements, reflecting local music, culture, migration, indigenous species, and other aspects of Northern Irish culture. It’s like holding a piece of Northern Ireland’s rich tapestry in your hands.

Landmarks of Northern Ireland, from the bustling Belfast Harbour to serene rural landscapes, find a place on these banknotes. They also represent historical events, such as the migration of animals and people, dwelling in nature, and the accomplishments of women from Northern Ireland. The £10 banknote, commemorating traditional food, native plants, and animals of Northern Ireland, and the polymer £50 note, acknowledging the accomplishments of women, are particularly distinctive.

Preparing Your Finances for Travel

Preparing your finances for a trip to Northern Ireland is akin to packing for a journey. You need to know what to bring, how much to bring, and how to use it when you arrive. The first item on your financial packing list should be the Pound Sterling (GBP), the recommended currency for use in Northern Ireland.

Keeping an eye on the exchange rate between your home currency and the Northern Ireland pound is as crucial as checking the weather forecast before your trip. At present, the exchange rate between the US dollar and the Northern Ireland pound is 1 USD = 0.73 GBP, but it’s always prudent to verify the most recent rates prior to embarking on a journey.

Also, remember that credit cards, especially Visa and MasterCard, are widely accepted, making them a valuable travel companion. However, don’t forget to check with your credit card provider about potential fees associated with foreign transactions.

Protecting Against Loss and Theft

Just like in any travel destination, it is paramount to secure your funds while traveling in Northern Ireland. Think of it as having an invisible shield around your wealth. Here are some tips to keep your money safe:

Use discreet leg wallets or money belts to hide away travel money and keep cash out of sight.

Refrain from carrying large sums of money.

Be mindful of commonplace travel scams.

In the unfortunate event of a lost or stolen credit card, a swift response can prevent a mountain of headaches. Contact the Card Services team at Freephone 0800 0391 140 or at 028 9033 0099, which is available 24 hours a day. If valuables are stolen, report the theft to the Police Service of Northern Ireland promptly and provide a comprehensive description. Vigilance and quick action are the best defenses against loss and theft.

Navigating Northern Ireland’s unique currency landscape can be as exhilarating as exploring its lush green landscapes and dramatic coastlines. From local banks issuing their banknotes to the use of polymer notes, Northern Ireland’s currency system is a tapestry of tradition and innovation. By understanding the intricacies of currency, exchange rates, and safe financial practices, you are well-equipped to make your journey through Northern Ireland a memorable and hassle-free experience.

Frequently Asked Questions

Does northern ireland have its own currency.

Northern Ireland does not have its own currency; it is part of the United Kingdom and uses the pound sterling (£) as its official currency. Those travelling to both the North and South of Ireland must have both pound sterling (£) and euro (€) on hand.

Can I use English money in Northern Ireland?

Yes, you can use English money in Northern Ireland, as Bank of England banknotes are permitted to be used there.

Can you accept Northern Ireland banknotes in England?

Yes, you can accept Northern Ireland banknotes in England as they are readily accepted there.

What is the difference between polymer and paper notes?

Polymer notes are more durable, secure and eco-friendly than paper notes, which are gradually being replaced.

What precautions should I take to protect against loss and theft while traveling in Northern Ireland?

To protect against loss and theft while traveling in Northern Ireland, use discreet leg wallets or money belts to hide away travel money, keep cash out of sight, refrain from carrying large sums of money, and be mindful of commonplace travel scams.

Originally from Scotland, Colin now resides near the beautiful seaside town of Portstewart on the Causeway Coastal Route. By day he works in IT and by day off he spends much of his time travelling around the Island with his young family, writing about his experiences for many sites both locally and nationally.

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What is the Irish Currency – Euros, Pounds and How to Spend

What is the Irish Currency? One potentially mystifying aspect for visitors to Ireland is confusion over which currency to use.

Although Ireland is one island, it is politically separated into Northern Ireland, which is the smaller section to the north, and the Republic of Ireland, which makes up the bulk of the rest of the land.

What is the Irish Currency?

So what money is used in Ireland? Well, there are two main currencies accepted: the Euro and Pounds Sterling/British Pounds .

If you are visiting from the America you will need to exchange US Dollars for Euros.

Other EU countries share the same currency – Euros. The exception for this is the UK which use the British Pound (Northern Ireland is part of the UK).

Republic of Ireland Currency

Does Ireland use the Euro? Yes, in the Republic . So if you’re visiting Dublin the currency that you need is the Euro .

The Irish Republic was one of the first-wave countries to adopt the single European currency on 1 January 1999, resulting in the phasing out of Irish punts.

Similar to Pounds Sterling, each Euro (€) is divided into 100 cents (c).

Notes are available in denominations of €5, €10, €20, €50, €100, €200 and €500, although the latter are rarely used. Coins are available in 1c, 2c, 5c, 10c, 20c, 50c, €1 and €2.

All the banknotes issued by the EU have the same specific design for each denomination. In contrast each country has its own design of coin, with a specific European design on one side and a national symbol on the other.

The coins issued in Ireland feature a Celtic harp as their special symbol; however, all Euro coins are valid in Ireland regardless of which country they were issued in.

What is the Northern Ireland Currency?

Northern Ireland is part of the United Kingdom and the currency here is the Pounds Sterling . One pound sterling (£) is divided into 100 pence (p).

So if you are visiting Belfast, then you need Pounds Sterling .

This currency has notes in denominations of £5, £10, £20 and £50, although some small business may be reluctant to accept notes in this last high value. Coins are available in 1p, 2p, 5p, 10p, 20p, 50p, £1 and £2.

Near the border between Northern Ireland and the Republic of Ireland many businesses will accept both currencies and it is not necessarily a problem if you find yourself short of the correct cash.

However, especially in smaller villages, this will not be the case and it is worth making sure you have some local currency with you.

Many larger shops in Northern Ireland will accept Euros but it is essential to check this first and bear in mind that the rate may not be as favourable as it would be if you were paying in pound sterling.

Visitors from North America and Outside the EU Zone

Some American banks have high foreign transaction fees. This is also going to be true for any non-euro bank accounts.

This will be a percentage of the amount spent or withdrawn from an ATM and it can really add up.

So check the fees with your bank before travelling and if necessary get a different card that offers no fees on foreign transactions.

We have a really good guide on credit and debit cards, ATM fees, foreign exchange and other useful info  about spending money in the Emerald Isle as a visitor.

Make sure to read it if you are planning a vacation, especially if you are thinking of using American Express in Ireland .

Unexpected Currency Quirks

Like Scotland and the Isle of Man, Ireland is one of the few places in the world where banks can issue their own notes.

Most of the sterling notes that you see in Northern Ireland are issued by the Bank of England and are exactly the same as those elsewhere in the UK.

However, banks can issue their own versions with whatever they like on (within reason!) and not all notes in each denomination that you will come across in Northern Ireland will look the same.

These unique notes are what is known as commonly accepted and you shouldn’t have any problem spending them.

Just ensure that you change them for standard sterling before you leave Northern Ireland, as many places in the rest of the UK will not accept them.

Using Travellers Cheques in Ireland

Travellers cheques  used to be a popular form of safe currency that could be used when travelling to Ireland and other international destinations.

However, they are now very rarely accepted anywhere except in airports and currency exchanges, where they will be changed for local currency.

This is safer than carrying a large amount of cash with you so it still has its place.

Conventional Bank Cheques

The use of  Cheques  have also dwindled in popularity and many shops and restaurants will no longer accept these, due in part to the charges levied for cashing them.

Credit Cards and Debit Cards in Ireland

Bank cards are welcome in most destinations, with Visa and MasterCard being the most commonly accepted . With the exception of some larger hotels, many businesses will not accept American Express or Diners Club cards .

Using cards is a safe way to pay in Ireland and provides a handy way to keep track of your expenses, whether you are being billed in Euro or Pounds Sterling.

If you are travelling to Ireland from outside the Eurozone, then make sure you are not billed in your home currency – this ‘dynamic currency conversion’ can offer a very poor exchange rate.

Cards can also be used to withdraw cash from ATMs (automated teller machines).

These can be found in most towns but it is worth bearing in mind that smaller villages may not have one.

If you are visiting some of Ireland’s more rural areas, you will need to have some cash with you. You should also remember that using cards to withdraw cash may incur a small fee.

Final Notes

When travelling in Ireland the currency situation can initially seem confusing but all you need to remember is that Northern Ireland uses Pounds Sterling and in the Republic of Ireland the currency is the Euro.

Many places will accept debit cards and credit cards as a safe and easy way to pay.

Saying that, always carry some cash with you, especially if you are visiting some of Ireland’s more rural beauty spots.

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The Currencies of Ireland

Paying With Euros, Pounds, or Plastic

TripSavvy / Lisa Fasol

Making purchases while traveling in Ireland is relatively easy. Cash is the most immediate form of payment and accepted everywhere, but major credit cards are also widely accepted. The only hiccup with cash is to be aware of what currency you're using, since the island of Ireland is made up of two different countries: the Republic of Ireland , which uses the euro, and Northern Ireland , which is part of the UK and uses pound sterling. The good news is that, in the border regions, both currencies tend to be accepted, but this should never be taken for granted.

Overall, using cash or plastic in Ireland should cause no problems, but it's always important to brush up on your knowledge of local money and the methods of monetary transactions available when traveling overseas. A little preparation will prevent you from making any simple mistakes with your cash .

Euros and Cents

One euro has 100 cents and coins are available in denominations of 1, 2, and 5 cents (all copper); 10, 20, and 50 cents (all golden); and 1 and 2 euros (silver with gold). While the design of the side bearing the numerals is standardized throughout the eurozone, the reverse is of local design—in Ireland, you will find a design with an Irish harp. 

Non-Irish euro coins are legal tender, but take note that some machines will only accept non-Irish euro coins with a bit of persuasion (try, try again) or not at all. Spanish coins are notoriously tricky and can be a headache on automated toll booths on the motorways .

Banknotes are totally standardized throughout the eurozone and most commonly available in denominations of 5, 10, 20, and 50. Higher denominations (100, 200, and even 500 euros) are available, but rare, and some traders may refuse them.

In Ireland, a “ rounding system ” was introduced in 2015, so that the total of a transaction will generally be rounded (up or down) to the nearest five euro cents. So if your coffee (or Guinness) comes out to 4 euros and 22 cents, you'll only pay 4 euros and 20 cents. But if the price comes out to 4 euros and 23 cents, you'll pay 4 euros and 25 cents.

In the long run, you won’t be off any better or worse than before.

Pounds and Pennies

Here are the most important facts you need to know about the pound used in Northern Ireland.

One pound has 100 pence, and coins are available in denominations of 1 and 2 pence (all copper); 5, 10, 20, and 50 pence (all silver); 1 pound sterling (golden); and 2 pounds (silver with gold). The 50 pence and 1 pound coins can have commemorative or local designs on the reverse.

Banknotes are commonly available in denominations of 5, 10, and 20 pounds. The higher denomination 50-pound notes are available, but rare, and some traders may refuse them.

Banknotes in the United Kingdom are issued by individual banks rather than by a central authority, and you will find that each bank uses its own design. Apart from notes issued by the Bank of England, you will encounter notes from Northern Irish banks and the Bank of Ireland, plus you may also receive Scottish notes as change. All are valid currency but the different designs can be confusing. In addition, Northern Bank is now part of Danske Bank, which is issuing pounds sterling with a Danish company name. All of this will really only cause problems for you if you have a lot of leftover cash when you head home. Notes not issued by the Bank of England may be harder to exchange back in your home country, so spend them first.

Rounding to the nearest five cents as with the euros is not the practice in Northern Ireland.

Cross-Border Shopping

Many shops in the border counties are flexible with currency and accept the foreign Irish currency at their own (sometimes quite favorable) exchange rate . You will, however, only receive change in the local currency. The only other place where you will find some flexibility in currency is at the odd parking meter that will accept euros in Northern Ireland.

Plastic Is Fantastic

Credit cards are widely accepted everywhere in both the Republic of Ireland and Northern Ireland, with Visa and Mastercard being the most popular. Acceptance of American Express and Diners cards is decidedly lower and JCB cards are nearly unknown. As in the US, there might also be a minimum purchase clause in many shops—for example, no credit card transactions below 10 euros or even 20 pounds—and beware of the trader charging you in your own currency "for convenience." Insist on being billed in pounds or euros when purchasing goods, not in dollars. When charging you in your own currency, the merchant uses their own exchange rate which will more than likely leave you paying extra.

Debit cards are also widely accepted, but you should also check with your card provider for information on fees before traveling. In Ireland, the "cashback" feature when making purchases is possible in some stores. Most ATMs (colloquially called "Hole in the Wall" or simply cash machines) will also accept credit cards for cash withdrawal, but check the fees for cash advances and foreign transactions with your credit card company first. Credit card skimming is on the decline, but still a risk. So watch out for any contraptions at ATMs that look suspicious.

In Northern Ireland, only credit cards using the " chip and PIN " system are accepted in shops.

Personal and Traveler's Checks

Traveler's Checks used to be a secure and convenient alternative to cash and credit cards but even historically were not actually accepted outside the major tourist centers. Most traders will not accept them anymore and you will even have problems exchanging them in most ​banks.

Personal checks are, generally speaking, not accepted at all, especially not those from non-Irish banks.

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Find out more about Ireland's currency & means of payment

The monetary unit in Ireland is the euro, often represented by the € symbol or abbreviated as EUR. As Northern Ireland is part of the UK, the currency is the pound sterling, often represented by the £ symbol or abbreviated as GBP. 

Currency exchange

Foreign currency exchange is available at banks, post offices in larger towns and some of the larger hotels and tourist offices. There are also Bureaux de Change, but they tend to charge much higher commission and fees.

You can see current conversion rates on XE.com

Learn about what to expect if you're visiting Ireland from India , Canada , Australia or the USA .

ATMs/cashpoints

Cashpoints (the common local name for ATMs) are widely available and you can usually find at least one in all small towns and villages. Please note that a 4-digit PIN number is required. Cash can be obtained against VISA and MasterCard. Banking fees for ATM withdrawals and foreign transactions vary widely, so please check the rates with your bank(s).

Opening hours are usually 9:30 AM – 4 or 5 PM, Monday to Friday. Some are open 9:30 AM to 1 PM on Saturdays.

Credit & debit cards

Visa and MasterCard credit cards are widely accepted throughout Ireland. 

American Express is not commonly accepted in Ireland (although it is in Northern Ireland and the UK) so we recommend bringing another card if you have one.

Lost or stolen cards

If your card is lost or stolen in Ireland or Northern Ireland, please report it immediately using one of these numbers:

Irish customer service numbers: 

• MasterCard & Diners Club: call +353 (1) 800 557 378
• VISA: call +353 (1) 800 558 002

UK customer service numbers: 

• American Express: call +44 (0) 800 917 8047
• MasterCard & Diners Club: call +44 (0) 800 864 767
• VISA: call +44 (0) 800 891 725

Report any other lost or stolen belongings to the local police station.

Browse our best-selling tours to come visit Ireland.

Traveller’s cheques

Although less common, traveller’s cheques are also accepted at banks and major hotels or tourist centres. The exchange fees vary by location.

Contact our travel consultants  if you want to know more about  travelling in Ireland .

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Currency information

Welcome to ireland.

There’s a beautiful contrast in Ireland. Celtic architecture sits quietly on rolling green landscapes, while the pubs are full of noise – for the best reasons. Join the merriest crowds in Dublin pubs or laugh your heart out in Belfast. Then enjoy the remarkable views of the whole Ireland island and discover why it’s the land of luck.

3/5 stars – You’ll be sure to be sure to find ATMs in the city centres,  but as you move further out into towns, you won’t have so much luck

It’s not common, unless it’s a small tip for stellar service

Phone and Internet access

Many tourist areas, cafés and hotels will provide  free Wi-Fi

Costs can add up in Ireland, so  keep an eye on your euros.

Coffee:  AU$4.50 (regular espresso) Water:  AU$2 (330mL bottle) Beer:  AU$9.40 (pint in a pub in Dublin) Food:  AU$20 (classic pub pulled pork) Taxi:  AU$11 (Dublin airport – city) Big Mac:  AU$6 (your familiar favourite)

Daily budget

Budget:  Around AU$80/day (2x cheap meals, supermarket   snacks, train ticket and entry to Blarney Castle) Moderate:   Around AU$150/day (2x cheap meals, supermarket   snacks, train ticket and a tour of the Titanic Museum) Luxury :  Around AU$200/day (2x restaurant meals,   supermarket snacks and a kayak tour of Killarney)

Safety rating

4/5 stars - Ireland is quite safe for tourists. Just keep a wary eye on your travel money and walk home with friends from the pub – and soitanly don’t start a foight.

Travel Money Trivia

UK, no way Although Northern Ireland uses pound sterling, their notes aren’t ‘technically’ legal tender in England. Alter ego The pound also goes  by the name quid.  The name’s quid,  James Quid. Round  ‘em up 1c and 2c coins are no longer being minted, so prices will usually round up. Harp to beat Irish euro coins feature a Celtic harp as homage to the Middle Ages. New notes The Irish pound met its end in the Republic of Ireland in 2002

Let's talk money

The first thing to note about Ireland is that it’s broken up into two parts, and both use different currencies. The Republic of Ireland uses the euro and Northern Ireland uses the pound sterling. So, if you do plan to travel to both parts, make sure your travel money is prepared.

• Some department stores exchange money
• Make sure your luggage is under the limit
• Find a four-leaf for better bartering skills
• Rent a small car for your travels
• Be careful of ATMs with high fees
• Your regular credit card could draw huge fees
• Some stores in Northern Ireland will accept euros, just enquire before you try to buy

Cliffs of Moher Walk along the remarkable 18km cliffs and gaze down onto where the Atlantic Ocean meets this impassable rock wall. Blarney Castle  Standing for hundreds of years has given this castle an incredibly deep history. Chat to a guide (or ghost) and bask in its story. Grafton Street  Explore Dublin’s secrets, then join its happy crowd on Grafton Street for a shop, coffee brew, or beer. Giant’s Causeway  For a totally bewildering sight, check out the beehive shape of 40,000 basalt columns (formed from cooling lava). St Patrick’s Day   Celebrate traditionally in Gaeltacht or in a modern way in Dublin. This will be an unforgettable experience (if you don’t overdrink).

Get the best deal on your foreign exchange today & take off with more spending money. Order your euros and pounds online 24/7 or visit one of our 130+ stores .

Travel Money Oz has sought to ensure that the information is true and correct at the time of publication. Prices, details and services are subject to change without notice, and Travel Money Oz accepts no responsibility or liability for any such changes, including any loss resulting from any action taken or reliance made by you on any information provided. Daily Cost: All prices are approximations. Your costs may differ depending on where you go, where you shop, and their individual factors. Daily Budget: Costs are estimated per person and do not include accommodation.

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Why Travel Money

Ireland Currency: Everything You Need to Know!

By: Author LetsGoIreland

Posted on Last updated: July 11, 2023

One of the most important travel preparations is to learn about the currency of the country. 

On a vacation trip, you do not want to experience a nasty surprise when you enter the country and find yourself without the local currency. 

This article will tell you everything you need to know about the currency in Ireland, so you can have a really nice stay on the Emerald Isle without any worries.

This article may contain affiliate links. If you click on one of them, we might receive a small commission (at no extra cost to you). Thanks for your support to help us keep this site running!

Table of Contents

• 1 Currency in Ireland
• 2 What currency is used in Ireland?
• 3 Ireland Currency
• 4 What currency is used in Northern Ireland?
• 5 Northern Ireland Currency
• 6 Irish Currency Travel Tips
• 7 FAQs about Ireland Currency
• 8 Ireland Travel

Currency in Ireland

Ireland is a divided island with two different currencies.

In the Republic of Ireland you pay with Euro. Before the introduction of the Euro, the Irish Pound was used in the Republic of Ireland.

In Northern Ireland, the currency is the British Pound.

What currency is used in Ireland?

The Republic of Ireland is a member of the European Union and uses the Euro currency. 

This is the same currency as many other European countries, such as Germany, Austria, France, Spain and Italy.

Ireland Currency

The Emerald Isle joined the Eurozone on January 1, 1999 and was one of the first 12 countries to adopt the Euro on January 1, 2002.

Euro coins come in denominations of 2 Euro, 1 Euro, 50 cent, 20 cent, 10 cent, 5 cent, 2 cent and 1 cent. 

On the reverse of Irish coins (minted by the Central Bank of Ireland) you will find the harp, which is also the Irish national symbol. 

If you want to know the history of the symbol, click here.

In the case of Euro note denominations, these are available in the following denominations: €500, €200, €100, €50, €20, €10, and €5. 

Tip: Usually, you will have no problems using the smaller bank note denominations. Notes over €50 in value may not be accepted in all shops, especially smaller ones. 

Rounding of cash transactions

In an attempt to reduce the amount of 1 and 2 cent coins in circulation, many retailers now round the cost of a transaction up or down to the nearest 5 cent. 

So don’t be surprised if the change you receive when paying in cash is slightly different to what you expect. 

Did you know that it costs more to produce 1 and 2 euro cent coins than they are actually worth?

Irish Currency before the Euro

Until December 31, 2001, the official currency of Ireland was the Irish pound. This pound was divided into 100 pence. 

Officially, the Irish Pound, or Irish Punt, was replaced by Euro on January 1, 1999, but the Euro only came into circulation on January 1 2002. 

There was definitely an air of excitement on New Years Day 2002 when we could go to an ATM for the first time and withdraw Euro currency. 

It took a few weeks for the Euro to be in full circulation, so it continued to be accepted as a means of payment until February 9, 2002.

I have plenty of memories of paying for items with the old Irish currency and receiving the change in Euro currency. 

Fun Fact: After more than two decades, there are still Irish Pounds worth approximately 350 million Euros that have not been exchanged. 

As in other countries, these may be exchanged at any time at the Central Bank of Ireland in Dublin.

Irish Currency Pre-decimalization

The Irish have been actively interested in moving away from the dependence of Great Britain in terms of currency since they sought independence.

When Ireland joined the European Monetary System in 1979, it broke with the parity with the pound sterling that had existed for nearly 150 years. 

Prior to that, the Irish Pound was thus pegged to the value of the British pound. 

Incidentally, before 1979, British bills were accepted in Ireland without any problems, but not the other way around.

Until the beginning of the 1970s, there was a pre-decimal division of the coins. This was also the case in Great Britain.

The pre-decimal coin denominations were as follows:

• one farthing (in Irish feoirling)
• half penny (leath phingin)
• penny (pingin)
• three pence (leath reul)
• sixpence (reul)
• shilling (scilling)
• florin (flóirín)
• half crown (leathchoróin)

What currency is used in Northern Ireland?

Northern Ireland is part of the United Kingdom (officially: United Kingdom of Great Britain and Northern Ireland). 

The currency used in Northern Ireland is the British Pound or Pound Sterling. 

Northern Ireland Currency

The official currency of Northern Ireland is Pound Sterling, but sometimes around the border area it is also possible to pay in Euro. 

This is not always possible, so don’t count on it being possible in all cases. 

If you are only passing through Northern Ireland for a short time, withdrawing Pound Sterling is usually not worth it. 

On a road trip through the north of the island you can withdraw pounds with your credit card at many ATMs.

Note: A few banks in Northern Ireland legally print their own banknotes. 

These often have a different design than the banknotes in e.g. England. 

The value is the same. However, they are only used in Northern Ireland and are not accepted outside Northern Ireland. 

So if you receive Northern Irish pounds, be sure to spend them before leaving.

Irish Currency Travel Tips

Good to know before you go to ireland.

Before you travel to Ireland, make sure to inform your bank and credit and debit card companies of the trip to avoid any unwanted transaction complications. 

You can also use this opportunity to ask about currency exchange rates, any other foreign  transaction fees. 

Perhaps it is also worth asking about any specific travel insurance they might recommend too in case you lose your card.

Do I need to bring cash to Ireland? 

Having a little cash in Ireland might be useful, but don’t stock up too much before you go. 

(Traveling with large amounts of cash is never a good idea.) 

Some examples of times when cash might come in useful in Ireland are:

• In pubs, (especially rural areas) cash may be preferred at the counter. 
• Some Bed and Breakfast accommodations may not also be able to accept cards. (This is less of an issue today, as in many cases the booking and payment is made in advance online.) 
• Also, it is typical in Ireland to leave a tip on the table in the restaurant. (Sometimes it can be added directly to the bill, but not in all places.)

How much cash should I bring to Ireland?

Roughly about €100-€200 should be enough to get you started in Ireland once you land.

Rather than stock up on a lot of cash and bring it with you, the best option is probably to use cards and withdraw cash directly from ATMs in Ireland. 

Bonus Tips : 

• Airport ATMs may have higher fees than those located in cities. 
• In order to exchange money in a bank in Ireland, you typically need to be a customer so this is not an option for most tourists. 

FAQs about Ireland Currency

What is Ireland’s currency / Does Ireland have Euros or Pounds? 

The Republic of Ireland has been paying in euros since January 1, 2002, while Northern Ireland uses the British Pound.  

Why does Ireland have the euro? 

Ireland joined the Eurozone on January 1, 1999 and was one of the first 12 countries to officially adopt the Euro as a means of payment on January 1, 2002. 

Does Ireland use the same money as the UK?

No, Ireland has a different currency to the UK. The currency used in Ireland is the Euro, while the UK uses the Pound Sterling. 

As Northern Ireland is part of the UK, the Pound Sterling is also used there. 

Can I use US currency in Ireland?

No, US Dollars are not accepted as currency in Ireland. 

The Euro is the currency of the Republic of Ireland and the British Pound is used in Northern Ireland. 

It is easy to pay with a card in most places in Ireland, so you do not need to rely on cash.

How can I pay in Ireland? 

In Ireland you can pay in Euro either in cash or with a card. 

Contactless payment with cards is often possible in shops and restaurants up to amounts of €50.

You should make sure you know the 4-digit pin number for your card, as this will be necessary in some places. 

Payment by card is also possible for smaller amounts (greater than €10) in most cases. 

If you plan on using cash, then opt for some smaller bills, such as €50 and less as large bills (i.e. 100 Euro and up) are not very welcome in many stores. 

Can I pay with dollars in Dublin? Can I pay with British Pounds in Dublin?

No, Dublin is the capital of the Republic of Ireland and Ireland is in the Eurozone.  

Therefore, only Euro is accepted in Irish retail stores. 

In Dublin, and generally in Ireland there are no possibilities (except in exchange offices) to pay officially with pounds. 

Can I pay with Euro in Dublin? 

Yes, the official currency in Dublin, the capital of Ireland, is the Euro.  

What is the currency in Belfast? 

Belfast is the capital of Northern Ireland.  

Northern Ireland is part of the United Kingdom of Great Britain, where the official currency is the British Pound Sterling.  

So in Belfast you pay with British Pounds. 

By the way, the Scotland currency is also the British Pound because Scotland is part of the United Kingdom. 

What is the currency in Ireland after Brexit? 

The currency in the Republic of Ireland and Northern Ireland has not changed after Brexit. 

Ireland is part of the EU and the Euro is legal tender. 

Northern Ireland, still part of the United Kingdom of Great Britain, so the Pound Sterling is the official currency. 

Can I use my credit cards or debit cards in Ireland? 

In most cases, yes. 

Debit cards and credit cards, such as Visa and Mastercard (Cirrus and Maestro), are widely accepted on the island of Ireland (i.e. both Republic of Ireland and Northern Ireland).  

A small amount of cash is recommended, but you can mostly get by in Ireland without using cash. This is definitely the case in the larger cities. 

ATMs are located in most major shopping streets and at most bank buildings in major cities and smaller villages. 

Can I pay with American Express in Ireland? 

American Express has lost its influence in recent years, but is still accepted in some places. 

However, you should not rely on it. 

What is a “hole in the wall”?

A “hole in the wall” is what an Automatic Teller Machine or ATM is commonly referred to as in Ireland. 

This typically refers to the ATMs that are built into the side of a wall, for example outside banks.

Where can I find an ATM in Ireland?

Finding an ATM is unlikely to be a big challenge in the larger cities and towns. 

As well as being found on the streets, there are often ATMs located inside convenience stores, supermarkets and petrol stations. These are typically privately owned.

One thing to note is these privately owned ATMs often have higher fees associated with them. 

How much cash can you withdraw from an ATM in Ireland?

You can withdraw cash of up to about €700 per day from ATMs in Ireland. Some ATMs may have slightly lower limits. 

Ask your bank before you go to Ireland if there is a daily limit on the amount that you can withdraw. 

ATM Exchange Rate Fees

The fees for withdrawing money with a credit card can vary. 

Irish bank ATMs don’t charge fees for withdrawing cash, but there may be foreign transaction fees from your home bank. 

It makes sense to check with your bank beforehand about the conditions on the Emerald Isle. 

Always opt to complete the transaction in the local Euro local currency rather than your own home currency. 

This is to avoid additional fee charges known as dynamic currency conversion (DCC). 

Ireland Travel

Are you planning a trip to Ireland? Why not check out some of Ireland’s highlights for some itinerary inspiration. 

We also have plenty of other great articles about what to visit in Dublin or other day trip ideas from around the country. Enjoy browsing!

Currency in Northern Ireland

A Travel Money Guide to Northern Ireland

There are lots of reasons to travel to Northern Ireland including visiting the Giant's Causeway, a UNESCO World Heritage Site, walking the Cuilcagh boardwalk trail or admiring speculator County Antrim. But it isn’t a budget destination and to get the most out of your trip, it’s a good idea to learn everything you can about the local currency and payment options before you go.

Want to learn more about the Northern Ireland currency and how to get your hands on it for the best value? Read on to find out:

• What currency is used in Northern Ireland
• How to buy Northern Ireland currency before you go
• AUD to GBP exchange rates
• Currency exchange in Northern Ireland
• Average costs in Northern Ireland
• Using bank cards in Northern Ireland

What Currency is Used in Northern Ireland?

The official currency in Northern Ireland is the Pound Sterling , which has the international code GBP and the symbol £. Northern Ireland have 5 different banknotes: £5, £10, £20, £50 and £100.

In Northern Ireland a Pound Sterling is divided in to 100 and there are 5 coins 1p, 2p, 5p, 10p, 20p and 50p. In addition there are 2 pound coins, similar to the $1 and $2 in Australia, they are £1 and £2.

Northern Ireland uses different currency to Ireland, which uses the Euro, so if you are travelling to both, you need to take 2 different sets of currency.

How to Buy Pound Sterling Before You Go

There’s a certain reassurance that comes with stepping off the plane (or cruise ship) already cashed up with Pound Sterling.

Buying Pound Sterling before you leave Australian shores isn’t just convenient. It can also save you money. But it all depends on where you get your Pound Sterling in Australia. There are 3 main options:

• Buy GBP online and have it delivered or collect it in-store
• Swap Pounds Sterling for Australian dollars from a money changer
• Buy Pounds Sterling at your home airport

Try  S Money or a similar online currency exchange  store to get rates that reflect the comparisons you see on XE or Google.

If you choose online delivery or in-store pickup, check the processing time. Some exchange companies with online options suggest you allow between two and five days to process currency.

Prefer in-store currency exchange? Head to the CBD of your nearest city for the most competitive exchange rates; suburban bureau de change outlets tend to have poorer rates and fees.

Currency exchange counters in Australia’s airports are infamous for their atrocious exchange rates. Avoid them if you can.

How Much Cash Should I Bring to Northern Ireland?

Budgeting for your trip gives you a good idea of how much you may need for the length of your stay. This might keep you accountable, help you stretch your savings, or help you avoid having to convert currency back into dollars at the end of your trip.

The average daily travel budget in Northern Ireland is about $210 . Some of the expenses you might be looking at include:

$200 per night

A double room in a mid-range hotel

Average lunch for 2

Pint of beer

Average daily transport

Admission for entertainment

How to Change Currency When You Arrive

Places like Belfast and Londonderry receive great numbers of tourists, so there are facilities to cater to money exchanges. Beyond these major destinations, it’s best to get cash before you venture into remote territory.

There are many ATM’s in Northern Ireland, particularly in the major cities. Common banks are Ulster bank and the Bank of England. Be aware the Bank of England will issue UK notes and the Ulster Bank will issue Northern Ireland notes.

Depending on your bank, you may have to pay for overseas ATM withdrawals and currency conversions. To reduce the amount you’ll pay in fees, try to withdraw just the right amount of money you’ll need for the duration of your trip.

Don’t forget : Let your bank know you’re travelling! If they detect a foreign transaction but aren’t aware you’re overseas, they could end up freezing your card.

Currency Exchange in Northern Ireland

Number 1 Currency Exchange and NM Money are money changers that operate in Northern Ireland and they look very similar to currency exchanges in Australia.

You won’t have any problem changing money in the major cities. There are plenty of money changers at the Belfast international airport and the George Best city airport

Money changers tend to offer marginally better rates than banks as many banks charge a high flat fee. Also, banks only exchange currencies on weekdays.

Travellers Cheques

Not worth the bother! Travellers cheques are so outdated, very few banks even accept them any more.

Thanks to advances in bank fraud protection and an increase in places accepting card payments, travellers cheques are virtually redundant in 21st-century travel.

Few Northern Irish traders will accept them and you may even have trouble changing them in a bank so your best bet is to avoid them altogether as they’re often more hassle than they’re worth.

Using Your Bank Card

Most Northern Irish  businesses are well set up to receive card payments. Some of the  best travel money cards include debit, credit and prepaid cards. But before you use your bank card willy-nilly, it’s worth reading up on the fees and charges you might incur.

Debit Cards

You’ll probably want a debit card if you plan to withdraw money from an ATM. While you may also be able to pay with a debit card in some businesses in the major destinations, you might discover some hefty fees on your account summary.

Depending on your bank, you could be hit with fees for foreign ATM withdrawals or currency conversions. But some banks are better than others; we recommend checking out Wise , ING and Revolut , all of which have travel-friendly debit cards that waive these charges.

Credit Cards

Credit cards can come with some enticing perks, including added security, loyalty programs, and even free travel insurance.

But are they worth it?

Major local businesses, including hotels, restaurants, airline offices, and department stores, accept credit cards. But you might have to pay a surcharge.

Mastercard and Visa are widely accepted. You may also be able to use your American Express card, though local ATMs won’t accept them.

Just be aware of additional charges you may incur for foreign transactions. These could include:

• International transaction fees
• High exchange rate margins
• Potential ‘cash advance fees’ if you use an ATM

Prepaid Travel Cards

The biggest advantages of prepaid travel cards are that you can lock in a favourable exchange rate. You also get a handy back-up card.

Just remember that while they are convenient, you could end up paying a long list of hidden fees. Many travel cards still impose:

• Currency conversion fees
• Uncompetitive exchange rates
• International ATM withdrawal fees
• Initial load fees
• Reload fees
• Inactivity fees

Track the best time to buy Pound Sterling

We match the currency exchange rate with the rate shown on google or xe. in real time..

This means you never pay over-inflated rates and can be 100% positive you are getting the most competitive rate for currency exchange.

• Check out the daily rates:

Not ready to buy yet? You can get a free rate tracker!

ASIC regulated

Like all reputable money exchanges, we are registered with AUSTRAC and regulated by the Australian Securities and Investment Commission (ASIC).

S Money complies with the relevant laws pertaining to privacy, anti-money laundering and counter-terrorism finance. This means you are required to provide I.D. when you place an order. It also means the order must be paid for by the same person ordering the currency and you must show your identification again when receiving your order.

A Guide To The Ins And Outs Of Northern Ireland

By Author James March

Posted on Last updated: January 2, 2024

If you’re unfamiliar with Northern Ireland, from how it’s different to the Republic of Ireland to what there is to see and do, this guide will get you up-to-speed fast.

Home to colourful political murals, soaring mountains, gorgeous coastlines, the Titanic’s birthplace, Game of Thrones filming locations and the world’s oldest whiskey distillery – Northern Ireland’s a magnificent corner of our island.

However, it’s also a place that can cause some confusion to visitors. We will demystify everything in the guide below.

Table of Contents

Some quick need-to-knows about Northern Ireland

Photos via Shutterstock

1. It’s both part of Ireland yet separate

While Northern Ireland may be on the island of Ireland, it’s officially part of the United Kingdom (and has been that way for over a century).  The border is open and easy to cross, but note that you’re entering an entirely different country when you do. 

2. Differences between NI and ROI

Though the landscapes of Northern Ireland and the Republic of Ireland are largely the same from a visual point of view, when you cross the Northern Irish border, you’ll be using pound sterling rather Euro. You’ll also notice that the road signs have changed to miles instead of kilometres. 

3. Counties of Northern Ireland

Antrim, Armagh, Down, Fermanagh, Derry/Londonderry and Tyrone make up the six counties of Northern Ireland and they’re all part of the historic province of Ulster. The most populous of these is Antrim (thanks mostly to Belfast), while Fermanagh is the least populous. By area, Tyrone is the largest and Armagh is the smallest. 

4. Home to endless things to do

As we mentioned in the intro, there’s endless things to do in Northern Ireland ! From the majesty of the Mourne Mountains in the south to the coastal charm of Portrush in the north with the colour and history of Belfast in between, there’s tons to do here and that’s just scratching the surface. 

A speedy history of Northern Ireland

When we say speedy, we mean speedy. The paragraphs below are intended to get you up-to-speed on Northern Irelands turbulent past in 60 seconds.

For a more detailed account, see our guide to Northern Ireland vs Ireland , which delves more into everything from the partition to the Troubles.

Northern Ireland was partitioned from the rest of Ireland in the aftermath of the 1916 Easter Rising and the end of the First World War.

The Anglo-Irish Treaty of 1921 formally gave the 26 counties of Southern Ireland their independence (eventually becoming the Republic of Ireland), but the Parliament of Northern Ireland opted to stay part of the United Kingdom and it’s been that way for over 100 years. 

The Troubles

The Troubles was the 30-year sectarian conflict in Northern Ireland that saw a huge amount of violence. Over 3,500 people lost their lives.

It lasted from roughly 1969 until the signing of the Good Friday Agreement in 1998. 

Present day

These days Northern Ireland is a far more harmonious and welcoming place and embraces its past with honesty and reconciliation.

To see what I mean, check out one of the fascinating taxi ride tours through the Shankhill and Falls Roads in Belfast! 

The 6 counties of Northern Ireland

The counties of Northern Ireland are home to a wealth of history, natural beauty and endless attractions.

Below, you’ll find a quick overview of each.

The most populous of Northern Ireland’s counties, Antrim contains coastal treasures such as Portrush and the Giants Causeway alongside the unique history and cracking pubs of Belfast.

See our guide to the best things to do in Antrim for more.

Armagh 

Home to one of Ireland’s greatest scenic drives (the Slieve Gullion Scenic Drive), Armagh is also full of apple orchards and has an incredible cider heritage to explore (and drink!). 

See our guide to the best things to do in Armagh for more.

Located directly south of Antrim, no trip to County Down would be complete without a tour of the stunning Mourne Mountains . Don’t miss Tollymore Forest Park and Murlough Beach , also.

See our guide to the best things to do in Down for more.

Fermanagh might be Northern Ireland’s smallest county by population, but there’s loads to see. Make sure to check out the remarkable Cuilcagh Boardwalk Trail (also known as the Stairway to Heaven!).

See our guide to the best things to do in Fermanagh for more.

Derry has great scenery but definitely kick off your time here in Derry City. Explore its medieval city walls before enjoying a few creamy pints at one of Derry’s many pubs or checking out the Derry Girls mural. 

See our guide to the best things to do in Derry for more.

Photos by Emma Mc Ardle via Ireland’s Content Pool

Northern Ireland’s largest county, Tyrone, is also home to the spectacular Sperrin Mountains. Before you visit them, make sure to check out the lakes and waterfalls of Gortin Glen Forest Park.

The key differences between Northern Ireland and Ireland

There are many differences between Northern Ireland and Ireland , the most notable of which is that they are two separate countries.

Here’s a quick explainer on the ‘main’ differences as of 2023.

Northern Ireland is part of the UK’s political system and has a completely different head of state than the Republic of Ireland. It has a devolved power-sharing government at Stormont but ultimately answers to Westminster (the ROI’s government is in Dublin). 

The currency in Ireland is the Euro (EUR), whereas, in Northern Ireland, they use the Pound Sterling (GBP), just like the rest of the UK. 

When travelling, it’s always worth having the right currency on you, although it’s generally best just to pay by card.

EU membership

The Brexit Referendum has put the status of Northern Ireland under the microscope like never before. Although the UK is now no longer part of the EU, Northern Ireland shares an open border with the ROI which is a full EU member.

Because of this, NI is still part of the EU single market and customs union at the time of writing, but this is all subject to change.

When driving in Ireland , you’ll notice the signs are bilingual, with the Irish language and English both represented, whereas in Northern Ireland, all road signs are written in the same format that you would see in mainland Britain and are all entirely in English. 

Things to do in Northern Ireland

There are endless places to visit in Northern Ireland .

Below, we’ll take you through some of the main attractions.

Main attractions

Northern Ireland is full of things to do, but if it’s your first time here then you’ll want to cross off the heavy hitters first!

The North Antrim Coast is a treasure trove of historic and scenic delights that should probably be your first port of call in Northern Ireland.

The Causeway Coastal Drive is a fine way to explore this stunning part of the world. Make sure you see the Giants Causeway UNESCO World Heritage Site and Dunluce Castle .

Further east are the beautiful Glens of Antrim . Steeped in myth and home to tons of trails, wildlife and stunning views, these glens are the North at its best. 

Hikes and walks

Speaking of trails! From the majestic Mourne Mountains in the southeast to the Sperrin Mountains soaring up from the Tyrone and Derry border, Northern Ireland is a walker’s paradise.

There are walks and trails here for everyone, whether you’re an experienced hiker or an absolute beginner. 

If you’ve just landed at Belfast, then you can give the nearby Cave Hill a spin or you can travel out to one of the higher peaks.

There are also loads of lovely forest trails to enjoy, so don’t miss the chance to wander amid the likes of Tollymore Forest or Gortin Glen Forest Park.

One of the most unique cities in Europe (let alone Ireland!), Belfast’s turbulent history means there are few other cities like it.

And the city now embraces that history with a passion so make sure to take one of the taxi tours to learn a whole lot more from the people who were there and see the colourful murals that dot the neighbourhoods. 

Belfast’s street art tours are great, too, and make sure to drop in at Titanic Belfast, an interactive experience exploring the world’s most famous ship (built in Belfast!).

Then settle in at one of the city’s fabulous pubs for a creamy pint (White’s Tavern is a belter and one of Belfast’s oldest). See our guide on things to do in Belfast for more.

Castles galore

If you like towers and turrets, then there are far worse places to be! From picturesque coastal fortresses to crumbling ruins, there are some magnificent castles in Northern Ireland .

Part of the awesome north Antrim coast, Dunluce Castle is probably the most well-known of the coastal castles and is just a few minutes down the road from Portrush.

Perhaps just as evocative is the ruined remains of Dunseverick Castle (which can easily be twinned with a trip to the Giants Causeway!). 

Back in Belfast, the elegant Victorian Belfast Castle sits on the lower slopes of Cave Hill and gives cracking views across the city.

Game of Thrones

If you’re a big fan of the popular HBO series, then you’ll probably already know that there are many different Game of Thrones filming locations in Northern Ireland where the ultra-popular TV show was filmed!

The producers gave this part of the world so much attention that there are now a bunch of tours of these filming locations. 

But you don’t need to go on an official tour to enjoy some of the show’s famous locations! While you probably won’t have time for them all, make sure to visit Glenariff Forest Park , the Cushendun Caves and, of course, the famous Dark Hedges .

Unique attractions

Northern Ireland’s classic attractions are great, but there are a few quirkier attractions if you want to get out of your comfort zone (always a good thing, in our experience!).

The fragile-looking Carrick-a-Rede Rope Bridge might look scary, but it’s a safe and spectacular crossing on the north Antrim coast that will guarantee some fabulous photographs and memories (and some sweaty palms!).

Along a similar vein are the remarkable Gobbins Cliff Walk and the rugged Torr Head headland. 

Back in Belfast, Crumlin Road Gaol is a cracking slice of macabre history with expertly presented tours. 

Fancy escaping to some pristine beaches for a ramble or two? Northern Ireland has you covered and offers some fine sands for strolling with the wind in your hair! 

Close to the lively seaside town of Portrush, the vast Whiterocks Beach is a superb spot for a wander and a few views. Even better, the proximity to Portrush means you can grab a coffee-to-go and take in the sea breeze – perfect for a morning ramble. 

A little further down and famous for being a Game of Thrones filming location, Portstewart Strand is a stunning spot that’s great in any season. With 6,000-year-old sand dunes and tons of curious wildlife, this is far more than your average beach!

FAQs about Northern Ireland

We’ve had a lot of questions over the years asking about everything from ‘What is there to do?’ to ‘Why did they split?’.

In the section below, we’ve popped in the most FAQs that we’ve received. If you have a question that we haven’t tackled, ask away in the comments section below.

Is Northern Ireland a part of the UK?

Yes, the six counties of Northern Ireland (Tyrone, Antrim, Down, Derry, Armagh and Fermanagh) are officially part of the United Kingdom. 

Is Northern Ireland worth visiting?

Yes – there are endless things to see and do in Northern Ireland, a wealth of history to be discovered and countless charming towns and villages scattered throughout its six counties.

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ASDA Antrim Travel Money Bureau

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United Ireland 'would cost €8bn to €20bn a year'

T he initial cost of a united Ireland would be at least €8bn (£6.86bn) a year rising to potentially €20bn (£17.15bn) a year, a new study has estimated.

The analysis has been published by the Institute of International and European Affairs (IIEA), a Dublin think tank.

It focuses on the subvention - the shortfall between what is raised in taxes in Northern Ireland and the amount spent on public services.

It looks at how the subvention would be affected under different scenarios.

One of the authors, Prof John Fitzgerald, said that the initial cost of absorbing Northern Ireland would "put huge financial pressure" on the people of the state "resulting in an immediate, major reduction in their living standards".

Along with his co-author, Prof Edgar Morgenroth, he argued that the cost of unification could be substantially reduced if Northern Ireland made major changes in its economy in order to raise its productivity.

Prof Morgenroth said some of the costs would also eventually be offset by the benefits of integration into the wider EU economy but this would take "some considerable time".

They look at the subvention for 2019 as the more recent data, for 2020 and 2021, is distorted by pandemic-related spending in Northern Ireland.

They adjust the 2019 figures to reflect some of the differences a united Ireland would make, for example less spending on defence, more on contributions to the EU and increased corporation tax revenues.

That produces a subvention estimate of just under €11bn (£9.4bn) meaning the Irish state would need to find that money to provide public services to the state's new population in what had been Northern Ireland.

The authors estimate that if social security benefits and public sector wages in Northern Ireland were immediately raised to match levels in Ireland the subvention would jump to more than €20bn, equivalent to 10% of national income.

The authors said this is "a huge sum" as total government expenditure in Ireland currently amounts to about 40% of national income.

"To deal with the resulting deficit, which under the most favourable circumstances would persist for many years after unification, there would have to be a dramatic increase in taxation and/or a major reduction in expenditure," they add.

The authors consider two additional scenarios which assume that the UK would either write off Northern Ireland's share of the UK's national debt or continue to pay UK state pensions to people who had made national insurance contributions.

In those scenarios, the initial cost falls to between €8bn-9bn per year, although those estimates do not include the uprating of benefits and pay.

None of the estimates consider the potential savings from reducing public sector employment in NI or the longer term impacts if Northern Ireland's economic performance was to converge on Ireland's.

A 2021 paper by the political scientist Prof John Doyle suggested that the subvention is much smaller and would represent a deficit of less than €3bn (£2.57bn) for a unified state.

He said that was "within a range that a future state could cope with on a transitional basis".

One of his major assumptions was that it would be "impossible that the level of subvention impacting a united Ireland would include both pensions and debt".

• The economics behind the Irish unity question
• What is important for NI's young republicans?
• Majority believes NI will leave UK within 25 years

He has recently added to that analysis, emphasising the potentially positive longer run economic impacts of unification.

He concluded : "It is hard to think of compelling arguments as to why the same policy mix in the two parts of the island, post-unity, would see Northern Ireland's economy continue to perform poorly by comparison with the south."

Money latest: Prepayment meters now have cheapest default tariff - should you switch?

The default tariff for prepayment meters is now cheaper than other types of meter - so should you switch? You can read this and our other weekend features, and leave a comment, below - and check back on Monday for hourly updates on consumer and personal finance news.

Sunday 14 April 2024 12:25, UK

Weekend Money

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• How to earn thousands letting film and music stars shoot in your home
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Ask a question or make a comment

The default tariff for prepayment meters is now cheaper than other types of meter.

It follows the energy price cap update to unit rates and standing charges from 1 April.

Uswitch data shows 56% of households don't know about the change.

What do you need to know?

Prepayment meters have traditionally been a more expensive way of paying for energy - but now prepayment standing charges have been lowered to match those for direct debit customers.

Because prepay units are cheaper, people with these meters should pay around £47 less a year than those on direct debits (£1,643 versus £1,690).

Customers who pay when they get a bill are forking out the most - around 5.8p more per day on the standing charge than those with direct debits.

Should we all get prepayment meters?

As energy costs come down, suppliers like EDF Energy have now started offering fixed deals lower than the price cap - and as things stand these are the cheapest options for many.

Eon Next's Pledge tariff promises to be 3% below whatever the price cap is for a year.

There can be catches if you want to leave these fixed deals (though Octopus doesn't charge them) - so make sure you do your research.

How many people have prepay meters?

The number of prepayment meters has fallen almost 8% from the peak in 2019, but there's still more than seven million gas and electricity units in action.

In total, 195,503 prepayment meters were installed in 2023.

Are people swapping?

Uswitch has some research that says young people (18 to 34) are far more likely to go for prepay meters - 51% would consider it, compared with 5% of over-55s.

Will Owen, energy expert at Uswitch, said: "Prepayment meters have got a bad reputation among some households, but changes to the price cap mean that their default tariffs are now cheaper than standard credit meters.

"With prepayment meters, you pay for your energy before you use it, and while there are emergency provisions, it does mean it is possible to be cut off if you have not put enough money into your account. 

"This means that younger consumers and vulnerable people are at greater risk of disconnecting themselves from their energy supply when money is tight.

"Direct debits also allow consumers to spread out their costs evenly throughout the year, meaning bills won't rise significantly in the winter when energy usage is highest."

By Brad Young, Money team

Earning up to £60,000 a year for letting Stormzy film a music video in your kitchen or Paloma Faith play with Lego in the living room might sound farfetched to homeowners unfamiliar with the shoot locations industry. 

But every star, studio or big brand that wants to film in a residential property needs someone willing to offer up their home for the day - and they'll pay between £700 and £3,000 for the privilege.

Homeowners and shooting agencies have spoken with the Money team about the promises and pitfalls of working with the likes of Disney, Netflix and ITV to take advantage of this niche income stream. 

Among them was Ed Reeve, a photographer from Hackney, who has had stars such as David Attenborough, Stormzy and Jim Broadbent walk through his doors in the 17 years he's been renting out his home. 

"It has been a really positive experience on the whole for us. Generally, the shoot crews are really lovely people and they're very respectful of your home," said Mr Reeve, who is registered with location agency 1st Option.

He hosts between 12 and 20 productions a year. Most bring in £1,000 for a one-day shoot, but some earn him up to £3,000 per day or last multiple days.

"We've met lots of interesting people," said Mr Reeve, including Gillian Anderson, who stars in Sex Education, Hugh Bonneville (Downton Abbey) and Claire Foy (The Crown).

After Stormzy filmed a music video, Mr Reeves said that "every grime artist wanted to shoot here".

David Attenborough once turned up early for a BBC shoot, resulting in the pair sitting down for a cup of tea and Mr Reeve introducing his three-day old daughter to the presenter.

"He held her and looked at her with delight... it was a really special moment," said Mr Reeve. 

Shoots can result in scratches around the interior, but Mr Reeve said he uses some of the money to redecorate – or in one case, let a Delux advert do it for him. 

'It's never free money'

Less enthusiastic about the industry was Emer Stamp, 48, a children's author from London, who has hosted for two years.

"You think, 'Oh yeah, my house is going to be rocking', and everyone comes round and goes 'Your house will be perfect', but for whatever reason, it's not.

"My takeout is it's not as easy to make money as you think."

Ms Stamp said her home had been chosen for three productions, including a Dell shoot and a Lego advert starring Paloma Faith, earning her approximately £6,000. 

Hosting also puts your schedule at the mercy of production companies – and sometimes they may not show up, said Ms Stamp.

"Like anything, you think it's free money but it's never free money."

So what does make a location popular? 

Becky Butler, managing director at agency Location Collective, said there is demand for average-sized family homes with a 60s/70s vibe and unusual features. 

And while a lot of the homes listed by location agencies look expensive, that was far from a deal-breaker. 

"All the practical side of things are as important, if not more so, than the aesthetics of the location," said Ms Butler.

Parking, easy-going neighbours and having one large room for equipment goes a long way with clients.

Getting the combination right can create "a fantastic additional income stream", said Jennifer Marshall, of Shootfactory, which has connected homeowners with everyone from Little Mix to Killing Eve. 

"We have properties that through our company have earned anywhere between £20,000 and £60,000 a year."

Much of the industry is based in London but, between them, the three agencies contacted by the Money team have organised filming in Manchester, Birmingham, the Midlands, the Home Counties and coastal areas.

Both Ms Marshall and the team at Location Collective said having a neighbour willing to get in on the action can be a real selling point.

This might mean a second house on the same street for a TV show, or simply somewhere to house the production team.

"Being able to let them pretty much take over is quite key. Sometimes they might have demands like painting or moving furniture," said Lily Gonnissen, head of business development at Location Collective. 

Being quick to respond to questions, contactable during the working day, and able to accommodate viewings at short notice was a top priority, said Ms Gonnissen. 

"Be friendly and welcoming - brands remember a good owner," said a spokesperson for 1st Option: "And make sure the house is clean and clutter free before any shoots."

We've had a mixed mailbag of comments this week - with readers getting in touch about pensions, tipping and divorce among other things.

Following this feature on divorce costs last weekend...

...we had dozens of comments...

So many people must be trapped in abusive relationships. A loan has helped me get away - covering legal costs, paying the bills/mortgage on marital home whilst being unable to stay and finding thousands for a rental. Costs so far about £8k - only one year in and at decree nisi. H

Since broken families are ever more common why isn't the government doing something to help divorcees get back on the housing ladder like first-time buyers are? Countless thousands, despite having the income, are doomed to rent expensive family homes. Men especially! Twice Divorced Of Surrey

Trust me, it costs a whole lot more than £30k, stay away from solicitors, work through it yourself. Toby

When one party will not communicate with the other, this makes the process much more expensive. Around £80k in solicitors and barrister fees. Vbkinguk

Another story that cut through was London restaurant chain Ping Pong scrapping tips - months before new legislation will require restaurateurs to give staff 100%.

Readers don't seem impressed...

Best thing employees and customers can do is boycott them. Just goes to show what they actually think of their staff. Dave

I don't want to eat somewhere that doesn't look after its employees. Jack

I'm sure patrons and staff will vote with their feet! How disgraceful to remove tips, probably as the owners aren't getting any cut of their staff's hard work! Elijah

We've reported extensively on the rise to the state pension this month - including how, due to frozen income tax thresholds, more pensioners will be dragged into paying income tax. Chris seems to be one of those impacted...

I deferred taking my state pension for five years to hopefully boost my pension, because I happened to be the last group of people to get the old state pension. Unfortunately because of the tax band freeze any benefit from the pension uplift is being eroded every year, is this fair? Chris

And finally, on Monday we suggested a cheaper way to buy herbs and spices in the supermarket - by using the world food aisle...

We had this comment...

Best money-saving practice for herbs and spices is to source them at Asian stores - not supermarkets! Pip

Spain is planning to scrap a "golden visa" scheme that grants residency rights to foreigners who make large investments in real estate.

Ending the scheme would help make access to affordable housing "a right instead of a speculative business", Spanish Prime Minister Pedro Sanchez said.

The programme awards non-EU citizens investing at least €500,000 (around £429,000) in Spanish real estate - without taking out a mortgage - a special permit, allowing them to live and work in the country for three years.

In better news for Britons who hope to live abroad, Italy is allowing non-EU citizens who can work remotely to apply for a year-long "digital nomad" visa.

There's a few salary/reference based criteria to meet - read about them here...

Labour this week tried to address questions over how it would pay for key pledges  after the Tories used their idea of scrapping the non-dom status to fund a national insurance cut.

Labour had been committed to abolishing non-dom status for years - upon gaining power they planned to use the money to fund breakfast clubs for primary school children and additional appointments in the NHS.

Shadow chancellor Rachel Reeves this week announced the party's plan to raise £5bn a year by the end of the next parliament...

• Labour said it would raise £2.6bn by closing "loopholes" in the government's non-doms plan - after certain exemptions were kept in place by Jeremy Hunt;
• Labour said the "tax gap" - the difference between the amount of money HMRC is owed and the amount it receives - had widened to £36bn in 2021-22 - £5bn more than it had been the previous year;
• To close the gap, Labour said it would invest up to £555m a year in boosting the number of compliance officers at HMRC, increasing productivity and improving the organisation's "dire" customer service;
• It would also consider requiring more tax schemes to be registered with HMRC to ensure they are legitimate, and renew the focus on offshore tax compliance.

The government responded by saying: "The Conservatives have introduced over 200 measures to clamp down on tax non-compliance and we are sticking to the plan to strengthen the economy so we can cut taxes, putting £900 in the pockets of the average worker and helping families to build a brighter future."

Shell is weighing up quitting the London Stock Exchange (LSE) for a move to New York over concerns its listing is currently "undervalued".

Chief executive Wael Sawan  told Bloomberg  that he was mulling "all options".

The British oil and gas giant is currently the largest company in the FTSE 100 index, and its departure from the LSE would be a significant blow to the UK stock market that is fighting to stay relevant.

There's been a run of bad news for the LSE over the past year or so. The world's largest building products manufacturer, CRH, moved to New York, while travel company Tui moved to Frankfurt. And despite the lobbying of numerous prime ministers, UK-based chip company Arm chose the NYSE.

The Money blog is your place for consumer news, economic analysis and everything you need to know about the cost of living - bookmark news.sky.com/money.

It runs with live updates every weekday - while on Saturdays we scale back and offer you a selection of weekend reads.

Check them out this morning and we'll be back on Monday with rolling news and features.

The Money team is Emily Mee, Bhvishya Patel, Jess Sharp, Katie Williams, Brad Young and Ollie Cooper, with sub-editing by Isobel Souster. The blog is edited by Jimmy Rice.

UK lenders have seen a rise in defaults on mortgages and credit cards - with the trend expected to continue in the coming months, according to a survey.

A poll of banks and building societies by the Bank of England reveals lenders reported higher default rates on secured loans and unsecured lending in the three months to the end of February.

The rates for mortgages, credit cards and other loans, as well as loans to small to medium businesses, are all expected to rise in the next quarter.

The BoE carries out the survey every quarter as part of its role to maintain financial stability.

It also revealed increased demand for borrowing, with this also expected to climb during the three months to the end of May.

Karim Haji, global and UK head of financial services at KPMG, said the latest BoE data suggests "a more positive economic outlook hasn't fed through to household finances yet".

"Defaults across all unsecured lending increasing over the same three-month period indicates many people are still struggling to meet their day-to-day costs. Lenders will need to be vigilant and continue to offer support for borrowers in the interim," he said.

By  Sarah Taaffe-Maguire , business reporter

Poor software and bias toward making only small, sequential changes is one of the reasons economic forecasters at the Bank of England failed to predict and prepare for the cost of living crisis, brought about by high inflation, according to a "once in a generation" review.

The review announced last year was undertaken by the former head of the US central bank, known as the Fed, and said the quality of the Bank's economic expectations "deteriorated significantly in the past few years" due to out of date software and "excessive incrementalism".

Though the "unusually large forecasting errors" were said to be "probably inevitable", according to the review, conducted by Dr Ben Bernanke.

The problem was not unique to the Bank, rather something all central banks and private forecasters suffered from, it said.

Read the full story here...

After the UK airports with the worst delays were revealed earlier today (see post at 1.15pm), we've been looking at your rights.

If you're unlucky enough to get stuck at an airport due to a flight delay, you may wonder if you're entitled to any compensation.

The good news is you may be - in certain circumstances.

First, it's important to know what flights are covered by consumer law. These are: 

• Any flight leaving a UK airport
• Flights operated by a UK/EU airline arriving at a UK airport
• Flights operated by a UK airline only arriving at an EU airport

When will I be entitled to help? 

You'll qualify for support if a short-haul flight under 932 miles (1,500km) is pushed back by two hours. 

This rises to three hours for journeys up to 2,175 miles (3,500km).

For long-haul flights going any further than this, four hours or longer counts as a significant delay.

What support will I get?

Under UK law, airlines must give passengers who are affected by a delay of at least two hours:

• A reasonable amount of food and drink (usually provided in the form of vouchers)
• Refunds for the cost of two free phone calls, faxes or emails
• Accommodation for passengers stranded overnight (usually in a nearby hotel)
• Transport to a hotel - or their home

Will I get compensation?

Usually, airlines have to provide compensation if a person's flight arrives more than three hours late.

The exception to this is when there are air traffic control problems or extreme weather, as these issues aren't their fault.

If you agree to travel on a later flight, the airline is no longer obliged to offer food, drink or accommodation while you wait.

Thankfully, you are entitled to a full refund if you decide to abandon your journey after five hours of delays.

The length of your flight affects how much you are entitled to:

• Short-haul flight - £220
• Medium-haul flight - £350
• Long-haul flight - £520 if the flight arrived more than four hours late, £260 for a delay of between three to four hours

What if I'm about to travel?

Transfer passengers who end up missing a connecting flight because their first plane was delayed are entitled to a service back to their original departure point.

But things get a little more complicated for passengers on package holidays - especially if they decide not to travel on a delayed outbound flight.

The CAA's guidance says: "You may lose your holiday too, so we recommend you contact your package organiser or the airline for further information.

"If you still want to travel then your airline must get you to your destination. You might have to be patient while they rearrange transport and rebook passengers, but the law says they must get you there."

What if my flight is cancelled? 

You're entitled to a refund or replacement flight if yours is cancelled. Your rights to assistance are the same as if your flight is delayed.

If the reason for the cancellation was within the airline's control, and it was made with no more than 14 days' notice, then depending on the timings of the new flight offered you could also be entitled to compensation.

You'll be able to claim £110 and £520 depending on the length of the route and timings of the new flight.

Drivers are still feeling the strain of rising insurance premiums - but there are signs of a slowdown, according to one index.

New figures from insights firm Consumer Intelligence suggest the average quoted price of car insurance rose by 56.4% in the year to February.

This was the third-highest annual increase since its records began in 2012 - but in slightly better news for motorists, it marked a lower annual rise than the 67.2% recorded in November.

And there was only a slight rise of 0.5% when looking at the three months to February - the lowest quarterly increased since November 2021.

Drivers most commonly received a quote between £500 and £749 in February, Consumer Intelligence said. It analysed the average of the five cheapest offers from price comparison websites.

Max Thompson, the firm's insurance insight manager, said big insurance brands made "competitive movements" to reduce premiums at the start of the year.

"However, some of this was unwound in February indicating it may have been more of a tactical move than a long-term trend," he added.

Jonathan Fong, manager of general insurance policy at the Association of British Insurers, said insurers were "aware of the financial challenges customers are facing" and were working to keep prices affordable.

"Our motor premium tracker is the only collection based on the price customers pay for their policy, rather than quotes, and shows that the average motor premium increased by 25% last year to £543.

"This was largely driven by above inflation increases in the cost of repairs, thefts and replacement cars."

The Abu Dhabi-backed vehicle that had been on the brink of buying The Daily Telegraph is in detailed talks with Whitehall officials about the structure of an onward sale of the newspaper. 

Sky News has learnt that RedBird IMI is negotiating with the Department for Culture, Media and Sport about whether it can convert a call option which constitutes the right to take ownership of the Telegraph and Spectator into shares in the assets prior to their purchase by a new owner.

Read the exclusive story by our City editor Mark Kleinman ...

The telecoms entrepreneur who turned Daisy Group into one of the industry's most successful private companies is closing in on the latest in a string of significant takeover deals.

Matthew Riley, Daisy's chairman, has orchestrated a £215m deal to acquire 4Com , a provider of cloud communications services to more than 17,000 corporate customers, Sky News understands.

City sources said the deal was expected to be signed within days and was likely to hand 4Com founder Daron Hutt a windfall worth more than £100m.

Read the full story here ...

The Financial Conduct Authority has told motor finance firms they need to put funds aside as it continues a probe into the sector.

The City regulator also said many firms are "struggling to promptly provide the data we need" for the investigation.

A review was launched by the FCA earlier this year into whether people could be owed compensation for being charged too much for car loans, following a high number of complaints on historic agreements.

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