Currency Map of Europe (2026): Eurozone and National Currencies

This map shows which European Union countries have adopted the euro as their official currency. As of 2026, 21 of the 27 EU member states use the euro, after Bulgaria became the most recent country to join the Eurozone on January 1, 2026. Croatia preceded it on January 1, 2023.

EU Eurozone Map (2026)

EU Countries Using the Euro

The 21 EU member states that have adopted the euro as their official currency, in alphabetical order:

1. Austria
2. Belgium
3. Bulgaria
4. Croatia
5. Cyprus
6. Estonia
7. Finland
8. France
9. Germany
10. Greece
11. Ireland
12. Italy
13. Latvia
14. Lithuania
15. Luxembourg
16. Malta
17. Netherlands
18. Portugal
19. Slovakia
20. Slovenia
21. Spain

The six EU member states that have not yet adopted the euro are Czechia, Denmark, Hungary, Poland, Romania, and Sweden. Denmark holds a formal opt-out; the others are technically committed to joining the Eurozone once they meet the convergence criteria.

Who Is Next for the Euro?

Of the six EU members outside the Eurozone, only one has an active target date for adoption: Romania, which the government has set for 2029 (though Romanian Fiscal Council analyses suggest 2029-2030 is more realistic given the country’s structural budget deficit).

Czechia, Hungary, and Poland are all bound by their EU accession treaties to eventually adopt the euro, but none has an official target date. Government positions in all three countries currently range from cautious to openly skeptical of joining.

Denmark is the only EU member state with a formal legal opt-out from the euro, negotiated as part of the 1992 Edinburgh Agreement that secured Danish ratification of the Maastricht Treaty. A second referendum to abolish the opt-out is not on the current Danish government’s agenda.

Sweden is technically obligated by treaty to adopt the euro, but maintains that joining the ERM II exchange-rate mechanism — a precondition for adoption — is voluntary. Swedish voters rejected euro adoption in a 2003 referendum, and successive governments have declined to revisit the question.

Non-EU Countries That Use the Euro

Andorra, Monaco, San Marino, and Vatican City are not EU members but use the euro under formal monetary agreements with the European Union.

Kosovo and Montenegro also use the euro as their primary currency, but they did so unilaterally — without formal authorization or treaties with the European Union.

European Countries That Don’t Use the Euro

Twenty-three European countries use a currency other than the euro. Six are EU member states that have not yet adopted the euro, sixteen are non-EU countries with independent national currencies, and one — Bosnia and Herzegovina — pegs its convertible mark to the euro at a fixed rate of 1.95583 BAM per €1 under a currency-board arrangement inherited from the 1995 Dayton Agreement.

EU Member States with National Currencies (6)

These six EU members are still outside the Eurozone. Denmark holds a formal opt-out secured in 1992; the other five are treaty-bound to eventually adopt the euro once they meet the convergence criteria, though only Romania has set an active target date (2029).

Non-EU European Countries with Independent Currencies (17)

Seventeen European countries outside the EU use their own currencies. Liechtenstein and Switzerland share the Swiss franc under a 1981 currency-union treaty; the remaining fifteen each issue a distinct national currency. Bosnia and Herzegovina is the only one whose value is locked to the euro by law.

Eurozone Adoption Timeline

The euro entered circulation as a physical currency on January 1, 2002, three years after it was introduced as an electronic currency on January 1, 1999. The table below traces every Eurozone member by the year they joined the EU and the year they adopted the euro. Belgium, France, Germany, Italy, Luxembourg, and the Netherlands — the EU’s six founding members — were among the eleven countries that adopted the euro on day one in 1999. Bulgaria is the most recent member, having replaced the lev with the euro on January 1, 2026; Croatia preceded it in 2023, replacing the kuna.