Last updated: November 12, 2026
If you’re planning a long stay in Miami, whether it’s a few weeks or the whole winter, your money works differently than it does on a one-week vacation. You’re not budgeting for hotel nights and dinners out. You’re budgeting for a month of groceries, transport, parking and the small payments that come up every day.
This guide is for people who are staying put: renters, visitors with family here, and anyone who swaps a northern winter for Miami between December and March. It covers what to pay by card, what to keep in cash, and which of our locations fits where you’re staying.
Why a long stay in Miami isn’t budgeted like a short trip
On a one-week trip you can plan your cash by the day. Our guide on how much cash to carry per day in Miami is built for that. On a long stay, the numbers that matter are monthly ones: rent, groceries, utilities and transport. Most of them don’t need cash.
Rent and deposits usually move by bank transfer or through the booking platform. Utilities and subscriptions run on a card. Tolls in South Florida are mostly electronic, so they go through a toll pass or your rental car’s program rather than a cash lane. Put all of that in your card and bank budget and leave it out of your cash plan.
On a long stay in Miami, cash covers the part of the month that doesn’t come with an invoice: the farmers’ market, a coffee, tips, parking, a dinner you split with friends. Each one is small, but you’ll face them every day for weeks.
A weekly cash rhythm for a long stay in Miami
The simplest way to handle cash on a long stay in Miami is to stop thinking of it as one big exchange. Think in weeks.
Estimate what you spend in cash in a typical week, then exchange enough for two or three weeks at a time and come back when you run low. You carry less on you, you keep a cushion for the weekend, and you can adjust if your routine changes.
Use your card for the large, regular costs and for anything that needs a paper trail. When a terminal offers to charge you in your home currency, choose US dollars. That on-screen conversion is set by the terminal’s provider, not your bank, and it’s rarely the better deal.
Leave your passport and most of your cash somewhere safe at home, and carry only what you need for the day.
The first weeks of the season fill up fast
High season starts earlier than most visitors expect. Miami Book Fair runs from November 15 to 22 in Downtown, and the Street Fair takes over November 20 to 22 (our Book Fair guide has the details). Thanksgiving is on Thursday, November 26. Miami Art Week follows, from November 30 to December 6.
If you’re settling in for the winter, those are the first busy weekends, and the first ones where dollars in your pocket save you a detour.
Which of our locations fits where you’re staying
Between Miami Money Exchange and Euro Money Exchange we have 12 locations across South Florida, so you shouldn’t have to cross the city for a top-up.
- Downtown or Brickell: our Downtown offices are at 256 NE 1st St and 278 NE 1st St, and Euro Money Exchange has an office at 230 NE 1st St.
- West side, airport hotels, Doral or the malls: our Doral office is at 2488 NW 89th Pl #9.
- Hialeah and nearby: our Hialeah office is at 4791 Palm Ave.
- Beach side, south and north county, and Palm Beach: Euro Money Exchange has offices in South Beach (1300 Collins Ave, Miami Beach, FL 33139), Sunny Isles (17030 Collins Ave, Sunny Isles Beach, FL 33160), Kendall (13754 SW 84th St, Miami, FL 33183), Pinecrest (12675 S Dixie Hwy, Pinecrest, FL 33156) and West Palm Beach (120 S Dixie Hwy, Suite 103, West Palm Beach, FL 33401).
Every address is on our locations page.
Before you come
Bring your passport. For exchanges over $1,000 USD or the equivalent in foreign currency, customers provide their full legal name and current residential address, and visitors from outside the U.S. show a valid passport from their country of origin. Our guide on what documents you need to exchange money in Miami has the full list.
Order online and pick up. Book on our order online page, choose your location and fill out the short form. You’ll get a confirmation email, and one of our advisors will contact you.
Larger amounts. Call ahead so the team can check stock for your currency.
Hours. Downtown (278 NE 1st St): Monday, Tuesday, Wednesday and Friday 8 a.m. to 6 p.m., Thursday 8:30 a.m. to 6 p.m., Saturday 8:30 a.m. to 5 p.m., Sunday 9 a.m. to 4 p.m. Doral: Monday to Friday 8 a.m. to 6:30 p.m., Saturday 8 a.m. to 5 p.m., Sunday 9 a.m. to 4 p.m. Hialeah: Monday to Friday 8 a.m. to 6 p.m., Saturday 8 a.m. to 5 p.m., Sunday 9 a.m. to 4 p.m.
Frequently asked questions
How much cash do I need for a month in Miami?
There’s no single number, because it depends on where you stay and how you live. Rent and utilities usually don’t need cash. Estimate what you spend each week on markets, tips, small restaurants and rides, and exchange enough for two or three weeks at a time.
Should I exchange everything when I arrive?
Not necessarily. Exchange a first amount for your first couple of weeks and come back as you need more. It keeps less cash on you and lets you adjust as you settle in.
Is there a location near where I’m staying?
We have 12 locations across South Florida between Miami Money Exchange and Euro Money Exchange. Call (305) 371-2208 and we’ll help you find the closest one.
Visit Miami Money Exchange Downtown
Miami Money Exchange Downtown
278 NE 1st St, Miami, FL 33132
Phone: (305) 371-2208 · WhatsApp: +1 (786) 957-9758
Planning a long stay in Miami? Visit us at 278 NE 1st St, Downtown Miami, or order online and pick up at the location closest to you. Call (305) 371-2208 or WhatsApp +1 (786) 957-9758 (Downtown). Visit us today.
