You are not. That said, we found literally nowhere on the French side that did not take cc's assuming you were spending more than a few euros. We bought some euro from our bank before we left. On the Dutch side, most of the restaurants at Jordon Village were "cash only" due to the insane % charged by banks to process cc's... or at least that is what we were told and I have no reason to doubt them. There is a very safe ATM at Porto Cupecoy. Used it twice in Feb.