The internet has convinced people they need a 47-item packing list, a compression cube system, and a capsule wardrobe colour-coordinated to their destination’s architecture. You need a carry-on bag, 5 days of clothes, and a plan for handling money across 2 to 4 currencies. That's it.
Pack for 5 days regardless of trip length. You'll do laundry. Every European city has laundromats, and most hotels and Airbnbs have washing machines. Packing for 14 days means lugging a checked bag through cobblestone streets, up narrow hotel staircases, and onto trains where overhead racks are sized for Europeans who pack lighter than you.
Skip packing cubes unless you genuinely find them useful. They're a gear-industry solution to a problem caused by overpacking. If you pack 5 days of clothes in a 40L backpack, everything fits without elaborate organisational systems.
This guide covers what to pack, what to leave behind, and how to handle money in euros, pounds, Swiss francs, and other currencies you'll encounter. For day trip planning, once you arrive, see the best day trips from Paris.
What clothes to pack for a Europe trip
3 t-shirts or tops. Neutral colours (black, grey, navy, white) that mix and match. Cotton blends dry faster than pure cotton. Merino wool is worth the investment for travel: it doesn't smell after multiple wears, dries quickly, and regulates temperature. One merino t-shirt and two cotton tops cover most situations.
2 pairs of trousers/bottoms. One pair of comfortable jeans or chinos for evenings and nicer restaurants. One pair of quick-dry hiking/travel trousers for active days. Skip the "zip-off" travel trousers unless you're actually hiking. They look terrible in cities, and most European restaurants enforce a "no shorts that look like you just came from a trek" dress code.
5 pairs of underwear and socks. This is the one category where matching your trip length makes sense. Underwear and socks are small, and not having enough is genuinely unpleasant. Quick-dry travel underwear (ExOfficio, Uniqlo Airism) dries overnight after hand-washing.
1 light jacket or fleece. Even Mediterranean summers get cool in the evening. A packable down jacket (Uniqlo Ultra Light Down or similar) weighs almost nothing and compresses to the size of a water bottle. It saves you from buying a jacket at a European price when the temperature drops unexpectedly.
1 rain layer. A lightweight waterproof shell. Not an umbrella. Umbrellas are awkward on crowded European streets, break in the wind, and get forgotten in cafes. A packable rain jacket (Patagonia Torrentshell, North Face Venture) works in rain, doubles as a windbreaker, and stuffs into your day bag.
1 "nice" outfit. One slightly dressier shirt or blouse and your better trousers. Some European restaurants (especially in Italy and France) expect a minimum level of dress. You don't need formal wear, but a step above hiking gear shows respect for the culture and gets you into places that turn away obvious tourists.
Comfortable walking shoes. This is the single most important packing decision. You'll walk 8 to 15 miles per day in European cities. Cobblestones destroy unsupported shoes. Pack one pair of comfortable, broken-in walking shoes with good arch support. White trainers (Nike, Adidas, New Balance) work for both walking and casual dining. Leave the flip-flops for the beach.
Tech essentials for travelling in Europe
Phone + charger + power bank. Your phone replaces maps, guidebooks, translators, cameras, boarding passes, and booking confirmations. Keep it charged. A 10,000mAh power bank adds one full charge and weighs about 200g. Charge both every night.
Universal power adaptor. Europe uses Type C (two round pins) in most countries, Type G (three rectangular pins) in the UK and Ireland. One universal adaptor covers both plus Switzerland's Type J. Don't pack country-specific adaptors for each destination. One universal unit is smaller and more versatile.
Travel eSIM. A travel eSIM gives you data across Europe without swapping SIM cards or paying roaming charges. You download it before you leave, activate on arrival, and have data for maps, messaging, and translations. This is the single biggest quality-of-life improvement in modern travel. Not having reliable data in a foreign city means you can't navigate, translate, or look up anything.
Noise-cancelling earbuds or headphones. For flights, trains, and noisy hostels. Also useful for audio guides at museums (better than renting the museum's clunky device).
Key travel documents for Europe
Passport. Valid for at least 6 months beyond your travel dates. Check now, not 2 weeks before departure. Passport renewal takes 6 to 10 weeks in the US and 3 to 6 weeks in the UK.
Travel insurance. Non-negotiable. A European hospital visit without insurance can cost $5,000 to $50,000. Annual multi-trip policies ($100 to $200/year) are cheaper than single-trip policies if you travel more than once. Check that your policy covers medical evacuation, trip cancellation, and baggage loss.
Copies of important documents. Passport photo page, travel insurance policy number, credit/debit card emergency numbers, and hotel confirmations. Keep digital copies in your email and physical copies separate from the originals. If your passport is stolen, a photocopy dramatically speeds up the replacement process at your embassy.
Toiletries to pack for Europe
The TSA 3-1-1 rule applies to EU flights too. Liquids in containers of 100ml (3.4oz) or less, in one clear zip-lock bag per person. Pack travel-size versions of essentials only: toothpaste, deodorant, sunscreen, any prescription medications. Buy shampoo, conditioner, and body wash at a European pharmacy or supermarket after arrival. They cost the same or less than travel sizes at home, and you're not carrying them through airport security.
Prescription medications. Keep in original packaging with your name on the label. Carry a copy of the prescription for controlled substances. Pack in carry-on, never checked luggage (if your checked bag is lost, you can't replace prescription medication easily in a foreign country).
Sunscreen. Even in Northern Europe. The sun in June to August is strong enough to burn, and European pharmacies charge premium prices for sunscreen (EUR 15 to 25 for a decent bottle). Pack one travel-size bottle and buy more locally if needed.
What NOT to pack
A checked bag. Carry-on only. European budget airlines (Ryanair, easyJet, Wizz Air) charge $25 to $60 for checked bags each way. European hotel staircases are narrow. Cobblestone streets destroy rolling suitcase wheels. A 40L backpack or carry-on suitcase forces you to pack efficiently and move easily on any surface.
A hair dryer. Every European hotel provides one. Even most Airbnbs have one. Packing your own waste space and weight.
"Just in case" clothes. If you haven't worn it in the last 2 weeks at home, you won't wear it in Europe. Every extra item takes space from the things you'll actually use. The "what if we go somewhere nice?" outfit is the one dressier option listed above, not three additional outfits.
A full-size towel. Hotels provide them. If you're staying in hostels, a microfiber travel towel (PackTowl or similar) dries fast, packs small, and weighs almost nothing.
Excessive electronics. A laptop, tablet, and e-reader are too many screens. Pick one. Most travellers find their phone handles everything a tablet does, and a Kindle weighs far less than a laptop.
How to handle money across Europe
This is where most packing guides stop. They tell you what clothes to bring, but not how to handle the financial side of visiting 3 countries with 2 different currencies in 10 days.
The problem: Western Europe uses the euro (most countries), the British pound (UK), the Swiss franc (Switzerland), the Swedish krona (Sweden), and several others. Every card payment in a non-home currency carries a foreign transaction fee of 1.5 to 3% from your bank. On a $3,000 trip, that's $45 to $90 in hidden fees.
The solution: hold euros and pounds in a Grey account before you leave. Spend on a Grey virtual card from your pre-loaded balance. No conversion markup on each tap. Your spending is tracked in the Grey app automatically, which doubles as your trip budget tracker.
Cash: carry EUR 50 to 100 in cash for arrival (taxi, first meal, tips if needed). ATMs at European airports and train stations accept international cards. Avoid currency exchange booths at airports. Their rates include a 5 to 10% markup. ATM withdrawals are almost always better, even with a per-withdrawal fee.
Contactless payments: Europe is more contactless-friendly than the US. Tap-to-pay works at virtually all retailers, restaurants, transport, and vending machines. Apple Pay and Google Pay are widely accepted. Some small markets and rural businesses are cash-only, but these are the exception in Western Europe.
Tipping: not expected in most of Europe the way it is in the US. Rounding up the bill (EUR 47 → EUR 50) or leaving 5 to 10% at a sit-down restaurant is normal. Don't tip 20%. No one expects it, and some servers find it awkward.
Travelling Europe? Hold euros and pounds in Grey, spend on a virtual card with no conversion fees, and stay connected with a travel eSIM.
Frequently asked questions about what to pack for a Europe trip
What size bag should I take to Europe?
40L backpack or carry-on suitcase (55x40x20cm or smaller for budget airlines). Pack for 5 days and do laundry. A carry-on avoids checked bag fees ($25 to $60 per flight on European budget airlines), fits in overhead bins and narrow hotel staircases, and moves easily on cobblestones. Avoid rolling suitcases for backpacking-style trips.
Do I need a power adaptor for Europe?
Yes. Europe uses Type C plugs (most countries) and Type G (UK, Ireland). One universal adaptor covers all European countries plus Switzerland. Don't buy country-specific adaptors. Budget EUR 10 to 15 for a good universal adaptor from Amazon before you leave. European pharmacies and electronics stores charge double.
How much cash should I bring to Europe?
EUR 50 to 100 for arrival day (taxi, first meal, small purchases). After that, use ATMs for cash withdrawals as needed. Contactless card payments work almost everywhere in Western Europe. Avoid airport currency exchange booths (5 to 10% markup). ATM withdrawals give better rates. Carry a small cash reserve for markets and rural businesses.
Do I need travel insurance for Europe?
Yes. A European hospital visit without insurance costs $5,000 to $50,000, depending on the treatment. Annual multi-trip policies cost $100 to $200/year and cover medical, cancellation, and baggage. Single-trip policies cost $50 to $150. Some credit cards include travel insurance. Check your card benefits before buying a separate policy.
What shoes should I pack for Europe?
One pair of comfortable, broken-in walking shoes with good arch support. You'll walk 8 to 15 miles per day on cobblestones. White trainers (Nike, Adidas, New Balance) work for both walking and casual dining in most European cities. Leave flip-flops for beach destinations only. Leave dress shoes at home unless you have a specific formal event.
Disclaimer: This article is for informational purposes only. All costs and details are estimates based on mid-2026 data. Verify current information before making decisions. Grey isn't a bank. We're a licensed financial services provider offering multi-currency accounts.





-compressed.jpg)














