I will be in Europe for 4 weeks in December/January. I will be visiting the following countries:
I believe that the only two countries that use the Euro are Greece & the Netherlands. Should I exchange all the currencies here in Australia before I leave or am I more likely to get a better rate overseas in the respective countries?
I have also heard that some places in Croatia, Hungary & Czech Republic accept Euro - is that right?
Just wait untill arriving in Europe, there is no need to bring cash and you will get better rates at the ATM's as soon as you go through custums there are many.
You are right, only netherlands and greece use the euro, the others don't.
Although you might be able to pay cash with euro for some things like a hotel room or car rental, usually this is not the case, certainly not when using public transport, sleeping in hostels or buying foot at supermarkets.
But no worry, those countries have an extensive network of ATM's as well, where you can get the respective currency.
You can oftern use the Euro in non euro countries. Change the money on your way around, no need to carry too much cash with you.
Not sure about australia, but in the UK you can get credit cards such as the post office one where there is no currency charge for purchases outside of the Uk, a handy saving and useful item to take along.