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Money guide

Avoid unexpected costs in Madeira

A quick, calm routine for restaurant bills, market fruit, card terminals and cash machines in Madeira.

Official guidance checked September 8, 2026. Prices and bank terms can change.

The 30-second check

Pause before the order or payment is final.

  1. Read the current price list before ordering.
  2. Check whether the price is per person, portion, piece or kilogram.
  3. Ask what a tasting or set menu includes.
  4. Leave unwanted bread, olives or other couvert untouched and decline it.
  5. At a terminal or ATM, read the currency and every fee before confirming.
  6. Check the invoice against what you ordered before leaving.

Restaurants and markets

Make the total clear first

Portugal has firm price-display rules. Use them before you order, when the conversation is easiest.

Use the displayed menu

Restaurants and bars must provide a price list at the entrance and inside. Listed prices are totals including taxes and charges. If a daily special has no clear price, ask before ordering.

Check the unit

For fish, fruit or another item sold by weight, ask for the price per kilogram and the approximate weight or total. Loose retail goods sold by weight must display a unit price.

Decide on the couvert

Bread, butter, olives and other pre-meal items are not necessarily complimentary and belong on the price list. An item that was neither requested nor consumed or made unusable must not be charged. If you do not want it, decline it and leave it untouched.

Define the package

For a tasting or set experience, confirm the number of people, samples, food, transport and optional extras included in the quoted total.

When the menu and bill do not match

A different language, layout or price is not proof of deliberate tourist targeting. Compare the price list at the entrance, the menu used for the order and the final invoice. If they disagree, stop and ask which listed price applies. Keep a photo and receipt if the answer does not resolve it.

Useful Portuguese

Ask clearly without making a scene

Ask about one item, show the menu and allow a quiet correction. If it remains unresolved, ask for the person in charge. A short factual question is enough.

Quanto custa no total?
How much is it in total?
Este preço é por pessoa, por dose ou por quilo?
Is this price per person, per portion or per kilogram?
Não pedi isto. Pode retirar, por favor?
I did not order this. Could you take it away, please?
Pode confirmar o preço antes de eu pedir?
Can you confirm the price before I order?
A conta não coincide com o preço da ementa. Pode verificar, por favor?
The bill does not match the menu price. Could you check it, please?

Cards and cash

Choose who converts the currency

Madeira uses euros. A currency conversion and an ATM withdrawal can contain separate costs.

At “EUR or home currency?”

Choosing EUR declines dynamic currency conversion and leaves any conversion to your card provider. The home-currency option must show its exchange-rate markup and charges before you accept it. EUR is often the clearer comparison, but it is not a guarantee of a fee-free payment: your own card may charge foreign-exchange or international-use fees.

At an ATM, check three separate costs

There can be three costs: an ATM operator fee, a dynamic-currency-conversion markup, and fees from your own bank or card. Read each screen, decline conversion if you prefer EUR, and cancel the withdrawal if the disclosed operator fee is too high for you.

Before travelling

Check your card’s foreign-exchange, international-use, cash-withdrawal and credit-card cash-advance terms.

Before confirming

Look for the amount in EUR, any fixed ATM fee, the home-currency total and the percentage markup. Take a screen photo only if it is safe and permitted.

In Portugal, a merchant may not add a charge simply because you pay by card. Ask for that charge to be removed. This is separate from any currency-conversion or card-provider fees.

If the total is wrong

Ask once, preserve the evidence, then escalate

Portuguese businesses must issue an invoice for each sale or service. Use it to compare the item, quantity and price with the menu or display.

  1. Ask the business to explain or correct the specific line.
  2. Keep the menu photo, invoice, payment slip and relevant terminal screen.
  3. If unresolved, request the physical Livro de Reclamações or use the electronic complaints book.
  4. For further help in Madeira, contact the regional consumer arbitration centre.

A May 2026 ARAE inspection checked prices and weights at 30 Mercado dos Lavradores stalls and reported no infringement in those two areas; it did find complaints-book issues. That result covers that inspection, not every transaction on the island.

Quick answers

Before you pay

Is bread placed on the table free?

Do not assume so. Check the couvert price. Decline it promptly and leave it untouched if you do not want it.

What if fresh fish says “market price” or €/kg?

Ask for the unit price, expected weight and approximate total before the kitchen prepares it.

How do I check fruit sold loose?

Read the €/kg sign, watch the weight on the scale and compare the calculated total.

Should I choose EUR on the card terminal?

EUR avoids the terminal’s DCC offer. Compare it with your own card terms; your bank may still charge fees.

Does a euro ATM withdrawal have to be free?

No. Cross-border equality rules do not erase a domestic fee, an ATM operator fee or other applicable card charges.

Can a restaurant add a card fee?

No extra charge may be added just for paying by card in Portugal. Ask for it to be removed.

What if the business will not correct the bill?

Ask for the invoice and complaints book, record the facts calmly, and retain your evidence for the relevant consumer body.

Official sources

Rules and complaint routes used for this guide. Recheck bank and card terms with your own provider.