How widely accepted are credit cards at small businesses and restaurants in Monaco?

Credit cards are generally accepted at larger businesses, hotels, and restaurants in Monaco, but their acceptance can vary at smaller establishments. While major credit card brands like Visa and Mastercard are widely recognized, some small businesses or local eateries might prefer cash or have limited acceptance of cards23.

To ensure flexibility, it's advisable to carry a mix of payment methods, including cash (in Euros) and multiple cards. This approach allows you to adapt to different payment preferences across various businesses in Monaco23.

For travelers, using a travel debit card like Wise can also be beneficial, as it offers low fees and the ability to hold multiple currencies, including Euros, which can be convenient for both card payments and cash withdrawals12.