Local Tip
One S-Bahn stop from the Hauptbahnhof, ReiseBank's self-service machine at Karlsplatz 8 (Stachus) takes sterling, US dollar, Swiss franc and Danish krone notes and pays out euros at any hour, useful after the counters have closed.
Where to change money in Munich
Munich's walk-in exchange counters cluster around its stations. Set the euro sum each quotes against simply drawing cash on your card.
- ReiseBank, Karlsplatz 8 (Stachus) Billed by ReiseBank as a precious-metals branch, it also keeps travel money in around 100 currencies. Open 09:00 to 19:00 on weekdays and 10:00 to 18:00 on Saturdays; holidays may differ. Outside those hours its automatic machine at the same address handles the four note types above.
- ReiseBank, Ostbahnhof Orleansplatz 11, open 08:00 to 19:00 seven days a week according to both ReiseBank and Deutsche Bahn's station guide. A second ReiseBank machine at Orleansplatz 9 works through the night and accepts the same four currencies.
- Euronet, Hauptbahnhof Deutsche Bahn lists Euronet's self-service bank on the S-Bahn concourse beneath Arnulfstraße, with cash machines and a foreign-currency machine. Hours: weekdays 08:00 to 20:00, Saturday 09:00 to 19:00, Sunday 10:00 to 18:00.
Changing money at the airport
Munich Airport's directory lists three counter options. Travelex has two Terminal 1 desks on level 04, one landside and one airside, open 06:00 to 21:30 daily and handling more than 50 currencies. ReiseBank has branches in the Munich Airport Center and Terminal 2, both on level 03, open 06:30 to 21:00 (airside from 06:45). Sparkasse's Terminal 2 branch (level 03) also changes money, 07:00 to 19:00 on weekdays and 09:00 to 16:00 at weekends, closing for lunch. These hours were listed in October 2026.
ATMs and cards in Munich
At the airport, ReiseBank, Sparkasse and Euronet cash machines are listed as working 24 hours; ReiseBank has more round-the-clock machines at the Hauptbahnhof. If a Munich cash machine or shop terminal also shows a sterling figure, pick euros: MoneySavingExpert says the merchant's side then converts, often at a worse rate than your card's.
Paying for transport in Munich
Fares in force since 1 January 2026: €4.20 for a zone M single, €2.10 for a Kurzstrecke (short hop) and €10.10 for a one-person zone M day ticket, which rises to €10.80 on 1 January 2027. MVG machines in every U-Bahn station and on many buses and trams take coins, notes, contactless cards, Apple Pay and Google Pay; those on board accept at most €20 in cash and print tickets ready to use, whereas stripe tickets from station machines need stamping. There is no tapping a bank card at the door. From the airport, the Airport-City-Day-Ticket covers zones M to 5 until 06:00 next morning and can be bought with cash, cards, PayPal or a phone wallet.
Good to know
- Under the city's taxi tariff rules, any Munich cab has to take a debit or credit card if you ask, but the driver can refuse if you decline to show official photo ID.
- The Foreign Office advises sticking to banks, cash machines or recognised exchange offices, and counting your change after paying in notes.
Key Areas in Munich
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Exchange bureaux, banks and cash machines, as mapped by OpenStreetMap. The map loads only when you ask for it.
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Munich travel money FAQ
Where is the best place to exchange money in Munich?
Try ReiseBank, which has counters at Karlsplatz 8 (Stachus), open Monday to Saturday, and at the Ostbahnhof, open daily 08:00 to 19:00; both addresses also have 24-hour exchange machines. Check the euros quoted against a withdrawal on your debit card.
Can I change money at Munich Airport?
Yes. Travelex has desks in Terminal 1 (06:00 to 21:30 daily), ReiseBank has branches in the Munich Airport Center and Terminal 2 (06:30 to 21:00), and Sparkasse's Terminal 2 branch exchanges currency too. ReiseBank, Sparkasse and Euronet cash machines are listed as open 24 hours.
Can I tap a bank card to ride Munich's U-Bahn, buses and trams?
Not at the door. Buy a ticket first: MVG machines in U-Bahn stations and on many buses and trams accept contactless cards and phones. Or use MVV swipe in the MVV or MVGO app, which checks you in and out and never bills more than a day ticket.
Checked October 2026. Fees, fares and opening times change, so check locally before relying on them. Sources: ReiseBank · Deutsche Bahn (bahnhof.de) · Munich Airport · muenchen.de (City of Munich portal) · MVV · MVG
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