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Currency and Cost of Living

Gibraltar - Currency and Cost of Living

The local currency is the Gibraltar pound but this is fixed to the British pound. Gibraltar has its own notes and coins but British notes and coins are legal tender.

The cost of living in Gibraltar is high and is considered to be one of the most expensive places in the world for expats. The slightly high taxation means that there is a little less disposable income available and most goods and services are expensive when compared with other locations.

The cost of alcoholic drinks and tobacco products is comparable to most other countries but the cost of clothes and utility bills are quite high. Education is not an expensive outgoing compared to other countries as those who are working in Gibraltar can have their children educated free of charge. Medical care can often be free if paying into the system, or kept to a minimum if using private insurance.

The cost of household appliances and furniture is quite high as the majority of these have to be imported into the country. Gibraltar also has high grocery costs. Enjoying a night out at a restaurant can also prove to be more expensive than in most other places. The costs of running a car or using public transport are also high when compared with other countries, particularly with rising fuel costs.

Consumers are protected by the Department of Consumer Affairs, who can help if you have an issue about a product you have purchased. They can clearly explain your rights and the procedures to be followed. They aim to resolve issues as soon as possible and try to obtain a response from retailers within two weeks of the complaint being made. Consumers have similar statutory rights as they do in the UK. The description of the product must match the product received and must be fit for purpose.

Consumer goods are mostly imported into Gibraltar but most branded items are readily available. Shop opening hours tend to be the same as in the UK, with most shops opening from 9 am to 5 pm six days a week. Sunday hours are limited but most shops will open for a short time. Supermarkets may have longer opening hours to cater for those who are working.

There are some residents of Gibraltar who choose to cross the border and do some shopping in Spain. It is important to remember that your consumer rights may be different if you do.

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Expat Health Insurance Partners


Our award-winning expatriate business provides health benefits to more than 650,000 members worldwide. In addition, we have helped develop world-class health systems for governments, corporations and providers around the world. We want to be the global leader in delivering world-class health solutions, making quality health care more accessible and empowering people to live healthier lives.

AXA - Global Healthcare

As the global healthcare specialists for AXA, the world’s number one insurance brand, we can help you get fast access to expert medical care, whenever and wherever you need it. All our plans include evacuation and repatriation, a second medical opinion service and extra support from a dedicated case manager if you’re diagnosed with cancer. You’ll also have 24/7 support from our caring multilingual team - we’ll always remember you’re a person, not a case number.

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