Currency and payment methods
Money matters are a key part of any trip. Knowing what currency to use in Scotland, and how to pay for things, will help you travel with confidence and avoid surprises.
- Scotland Tours
- 2 min read
The Currency of Scotland
Scotland uses the Pound Sterling (£, GBP), the same currency as the rest of the United Kingdom. One pound is divided into 100 pence. Coins range from 1p to £2, and notes typically come in £5, £10, £20, and £50 denominations.
Scottish Banknotes
A unique feature of Scotland is that several banks (such as Bank of Scotland, Royal Bank of Scotland, and Clydesdale Bank) issue their own Scottish banknotes. These look different from English notes but are of equal value and legal currency across the UK. Occasionally, shopkeepers in England may be less familiar with them, but they are still valid.
Cash vs. Card
- Card Payments: Debit and credit cards are widely accepted, including contactless payments. Visa and Mastercard are most common, while American Express may not always be accepted in smaller shops.
- Mobile Payments: Apple Pay, Google Pay, and other digital wallets are popular and often accepted in cities.
- Cash: Although Scotland is increasingly cashless, carrying some cash is still useful for small purchases, rural areas, or traditional markets.
ATMs and Currency Exchange
- ATMs (cash machines): Readily available in cities and towns, offering free withdrawals for UK bank cards. International cards may incur fees.
- Currency Exchange: Available at airports, banks, and exchange bureaus, but using ATMs is often cheaper.
Tipping Customs
Tipping is not mandatory but appreciated:
- Restaurants: Around 10% if service is good (check if a service charge is already added).
- Taxis: Rounding up to the nearest pound.
- Hotels: Small tips for porters or housekeeping.
Why This Matters for Visitors
Understanding Scottish currency and payment culture ensures smoother transactions. Whether paying for a whisky tasting, booking a hotel, or buying souvenirs, knowing when to use cash, card, or mobile payments helps you enjoy your trip without financial stress.