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Swiss Francs in cash for 10 days, hotels and rail pass already booked

Short summary – read this first

A traveler named Yup has booked a 10-day trip to Switzerland using the Swiss Rail Pass and is looking for advice on how much cash to bring. Other travelers share experiences on using cards versus cash during their trips.

Key takeaways:
  • Consider bringing a small amount of cash for places that may not accept cards, especially in small towns.
  • Using a credit card for most payments simplifies budgeting and keeps track of expenses easily.
  • Always pay in Swiss francs when using a card to avoid unfavorable exchange rates.
  • Have coins on hand for paid public restrooms or other situations where cards may not work.
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InfoAI-generated summary. Details may be outdated. Check with our travel experts to be 100% sure.
  • Yup
    Participant
    4 posts
    4 August 2026 at 22:13:09 #2798171

    We have booked a 10 trip using the Swiss Rail Pass including hotel accommodations.
    What amount of CHF would you recommend we bring for this trip?
    Thank you,
    Yup

  • AlohaAll
    Participant
    6 posts
    Reply 1 of 4 • 5 August 2026 at 14:27:07 #2798174

    Hi

    I am seeing a lot of posts where ppl were able to use ApplePay on everything and a few posting they needed cash 1-2 times.  This was on social media from ppl returning from Switzerland posting their trip tips.

    Personally, I am going to cut the cash I was going to get in half.

    You can always get more cash along your trip if you feel you are getting low.

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    andrew
    Participant
    209 posts
    Reply 2 of 4 • 5 August 2026 at 15:06:55 #2798175

    Hi Yup,
    We have recently returned from our regular summer two week hotel trip to Switzerland.
    This time we took only a fairly nominal sum in cash and brought all of it back home with us. We simply used a credit card for everything.
    In the hotels, for instance, we paid for extras (such as dinner or coffees) at the time we had them. That also made budgeting easy as the credit card account showed on line, both in Swiss francs and Sterling, exactly what we had spent as the holiday progressed. Nice to have no extras on the bill to double check!
    Always pay in the local currency, by the way. The choice is given on the credit card machine.
    Have a happy cashless holiday.
    Andrew

    Yup
    Participant
    4 posts
    Reply 3 of 4 • 5 August 2026 at 17:48:11 #2798180

    Thank you for your reply. Will have cash on hand for smaller towns

    Subrata
    Participant
    115 posts
    Reply 4 of 4 • 6 August 2026 at 14:35:56 #2798188

    Hello Yup,
    I would suggest keeping some amount of cash just in case the credit or debit card does not work due to a network problem. I had experienced this while having lunch at the Ospizio Bernina station in March this year when I was asked to pay in cash because of network connectivity issues limiting card payments. You may also need coins at some paid public restrooms just in case you are unable to gain access with your card, or where access is possible only with coins.

    Regards
    Subrata

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