A guide to saying it like a local
How to Say "I'll pay in cash" in Spanish
Say 'Pago en efectivo' to let a cashier know you'll be paying with cash, not a card.
Pago en efectivo.
PAH-goh en eh-fek-TEE-vohneutral
Spanish TTS · 0:01
Use this phrase when you're at the checkout counter in a store or restaurant and want to indicate that you'll be using physical money. It's a clear and direct way to communicate your payment method.
Alternatives
- Voy a pagar en efectivo.Slightly more explicit about the intention to pay.
- En efectivo.A shorter, more direct response if the question is implied.
Ways to get it wrong
Confusing 'efectivo' with 'effective'
'Efectivo' means cash; 'effective' means something that works well.
Using 'pagaré' instead of 'pago'
'Pago' is the present tense and sounds more natural for an immediate action like paying at a counter.
A small cultural note
While credit cards are widely accepted, many smaller businesses or market stalls may prefer or only accept cash. It's always good to have some on hand.
Frequently asked
When do I say 'Pago en efectivo'?
Say this phrase when you are at the point of sale, like a cashier asking for your payment method. It signals you will use bills and coins.
Is 'Pago en efectivo' formal or informal?
This phrase is neutral and works in most situations, from small shops to larger stores. You don't need to worry about it being too casual or too stiff.
What if they ask if I'm paying with card?
If they ask '¿Con tarjeta?' (With card?), you can respond with 'No, pago en efectivo' (No, I'll pay in cash).
