San Marino (SM)
A compact, high-income microstate entirely surrounded by Italy, known for low taxes, strong public administration, hilltop heritage, cross-border dependence on Italy and a small but rules-heavy residence system.
Capital: San Marino City
Region: Europe
Language: Italian
Currency: EUR (€)
Cost of living: Moderate (index 65)
Emergency: 112
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Currency & Money
Practical money tips for living in San Marino.
€
Euro
EUR
Denominations
Euro coins and notes; San Marino also issues collectable euro coins.
Payment Culture
Cards are widely accepted, but cash is useful for parking, small shops, cafes, markets and tourist areas.
ATM Tips
Use established bank ATMs, keep backup cards and remember that many errands happen across the border in Italy.
Exchange Tips
No exchange is needed for euro-area visitors; non-euro residents should compare card FX fees.
Pro tip: Best apps for expats
- • Wise — Send money internationally at near-interbank rates
- • Revolut — Multi-currency account, free ATM withdrawals (limits apply)
- • N26 — German IBAN, free account, good for EU residents