What are the countries in Europe that use the euro as their currency? Why do some countries use the euro as their currency and others don’t? Did you know that euro is also used outside of Europe? And just how many EU countries are there where the euro is used? Let’s find out here.

Countries in Europe using euro eurozone

Countries in Europe that use the euro – The euro sign in Frankfurt

What is the euro?

The euro is the official currency of 19 of the 27 member states of the European Union as well as a few other countries/territories. 

The group of countries in Europe that use the euro is known as the eurozone and it includes about 350 million citizens. But euro is also used as a currency in countries, not part of the European Union and even territories outside of Europe.

Today the euro is the second-largest and second most traded currency globally, falling only behind the United States dollar.

When did the euro start?

On 1 January 1999, eleven European countries started using the euro as their accounting currency. Actual physical notes and coins were used from January 2002 and the euro replaced their national currencies. More countries join the Eurozone in the following years and the group of countries in Europe that use the euro is still growing. 

The idea of a common currency in Europe emerged back in the 60s but it took some time to implement it.

I still remember having euros and being able to cross from Germany to Austria and pay with the same currency. It was exciting and I honestly thought that within a decade most European countries will adopt the euro as well.

European Countries that use the euro – The complete list

Countries in Europe that use the euro, adopted the euro at different times. See the complete list below with the year they have started using the euro as their currency,

List of countries using the euro in the European Union and the year they adopted the euro:

  1. Austria (2002)
  2. Belgium (2002)
  3. Finland (2002)
  4. France (2002)
  5. Germany (2002)
  6. Greece (2002)
  7. Ireland (2002)
  8. Italy (2002)
  9. Luxembourg (2002)
  10. The Netherlands (2002)
  11. Portugal (2002)
  12. Spain (2002)
  13. Slovenia (2007) 
  14. Malta (2008)
  15. Cyprus (2008)
  16. Slovakia (2009)
  17. Estonia (2011)
  18. Latvia (2014)
  19. Lithuania (2015)

If you are getting countries in Europe mixed up, you might enjoy reading Slovakia vs Slovenia; What is the difference?  And, these posts explain the differences between Latvia and Lithuania and an explanation of the Baltics and Balkans. 

List of countries using the euro that are NOT in the European Union

6 countries use the euro but are not part of the European Union. 

Kosovo and Montenegro are two countries that use the euro but are not in the European Union. They have adopted the euro unilaterally, but both countries do not officially form part of the eurozone and do not have representation in the European Central Bank. In a nutshell, Montenegro is using the currency of Germany which happens to be the euro.

AndorraMonacoSan Marino, and Vatican City, four of the smallest countries in Europe have formal agreements with the EU to use the euro as their official currency and even issue their own coins.

Countries in Europe using euro notes

Countries in Europe that use the euro – The 500 euro note is the largest bill

Countries in the European Union not using the euro

These are countries where the euro has still not been adopted, but who will join once they have met the necessary conditions. 

Essentially, all countries that joined the EU were supposed to adopt the euro except for Denmark and the United Kingdom (which has now exited the EU). Some countries need first to meet certain criteria to adopt the euro and others have held back to join (Sweden held a referendum if to join in 2003 and the public voted against it).

  • Bulgaria
  • Croatia – Will adopt using the euro on January 2023
  • Czechia 
  • Hungary
  • Poland
  • Romania
  • Sweden 
  • Denmark (has opted out of the euro when signing the first treaty)

Where is the euro used on a map of Europe?

This map of Europe shows all the countries in Europe that use the euro as their main currency. 

Countries in Europe using euro on a map

Countries in Europe that use the euro on a map

How much is the euro worth?

Check current exchange rates on xe.com.

How many European countries are there?

Great question! There is a never-ending debate on just how many European countries are there in Europe? I wrote a detailed blog explaining why the answer can be complicated: How many countries in Europe are there? 44, 45, or 49?

How many countries are in European Union?

There are currently 27 countries in the European Union. Serbia, Montenegro, North Macedonia, and Albania hope to join the European Union in the next years.

We wrote a dedicated post with a little more information, read the Complete List of all the Countries in the EU in 2022

List of countries in Europe that are not in the EU

The following countries are located in Europe and are not part of the European Union:

  • 4 in Western Europe: the United Kingdom (Brexited from the EU), Norway, Iceland, and Switzerland
  • 5 Small Countries: Lichtenstein, Monaco, Andorra, San Marino, and Vatican City
  • 10 Countries in Eastern Europe: Belarus, Ukraine, Russia, Moldova, Serbia, North Macedonia, Albania, Montenegro, Bosnia & Herzegovina, and Kosovo.

You may also enjoy some of our other blogs:

Get Connected in Europe with eSIM!

airolo digital esim travel resourcesGet connected the easy way when you’re travelling in Europe – and buy an eSIM.

An eSIM works like an app: Buy it, download it, and get connected within minutes!

It’s easy, affordable, and convenient. Keep your original mobile phone number too!

Read more about how an eSIMs works or click below to view which eSIM data plan you need for your European adventure. Use our referral code: RACHEL5045 to get $3 off your first purchase!

Buy an eSIM for Europe!


✈️ Flights: Aviasales & CheapOair are the best websites to book cheap flights.

🏨 AccommodationBooking.comAgoda, and Hotellook are the top platforms to search for fantastic hotels and accommodation options at the best price.

🏥 Travel Insurance: Don’t forget travel insurance! We recommend World Nomads or SafetyWing.

🚌 Transportation: To book trains, Trainline is the best and cheapest website. To book transport in Europe, USA & Canada, we use Omio & FlixbusUS. For travel in Asia, we use 12Go. For all other countries, we use BookaWay to compare and book Bus, Ferry, or train tickets to get around.

🚘 Car Rental: DiscoverCars, & Europcar are reliable platforms to book rental cars.

👫 Group ToursG Adventures or Expat Explore offers the best group adventures around the world. Use our promo code VERYHUNGRYNOMADS at checkout to receive 5% off your Expat Explore Trip!

📸 Day Tours & TripsGetYourGuide & Viator are the only platforms you will need. They offer everything at unbeatable prices.

🎒 LuggageOsprey Farpoint 40L Backpack or Samsonite Luggage Range (we love this Stack’d Carry-On Spinner Suitcase).

🛄 What to Pack: To help you get started on packing, here is our ULTIMATE Packing List for all Travellers.

🐶 Become a House Sitter: Join Trusted Housesitters and enjoy FREE accommodation around the world. Use our personal invite to receive 25% off your new membership.

💰 Send Money Anywhere: WISE is the best online account that lets you send money, get paid, and spend money internationally. It’s so easy to use and way cheaper than any bank transfer.

📶 Stay Connected: Airalo eSIM allows you to get connected the moment you land at your destination and you can avoid those expensive data roaming charges. We LOVE this product! Use promo code VHN20 for a 20% discount on ALL eSIMs (new Airalo users only – Read Terms & Conditions) OR use promo code VHN15 for a 15% discount on ALL eSIMs (for existing Airalo account users – Read Terms & Conditions)

✅ Check out our Travel Resources Page for more Useful Tips to Save you Money!