Skip to main content
Discover Logo Modern Money
  • Checking Account
  • Online Savings Account
  • Money Market Account
  • Certificate of Deposit
  • IRA Certificate of Deposit
  • IRA Savings Account
  • Discover Bank Blog Home
  • Banking 101
  • Saving
  • Budgeting
  • Career & Education
  • Family Finance
  • Retirement
  • Life Planning
  • Home
  • Banking 101
  • Saving
  • Budgeting
  • Career & Education
  • Family Finance
  • Retirement
  • Life Planning
    • Checking Account
    • Online Savings Account
    • Money Market Account
    • Certificate of Deposit
    • IRA Certificate of Deposit
    • IRA Savings Account
    • Compare Retirement Accounts
    • Find an Account
Two men and a woman sit at a table in a café drinking coffee.

Do you know when to tip? This guide to tipping can help

Guessing the proper etiquette for everyday tipping situations can be tricky (How much do you give the bellhop, anyway?). Here’s your cheat sheet.

April 25, 2025

It’s a familiar scenario to most of us: You’re purchasing something at a counter or checking out after a service. Suddenly, you freeze. Wait, you think, do people tip for this? If so, how much? And should you tip in cash or with a credit or debit card? Did you even budget enough for an appropriate tip?

With a little research—starting with this comprehensive guide to tipping—you can avoid any potential social gaffes and master the art of showing your appreciation, whether you’re at a salon or a café. Here’s everything you need to know to give gratuities gracefully.

When to tip

The line between tippable and non-tippable service is blurring. California-based etiquette expert Elaine Swann says, “We’re seeing more requests for tips in places we never did before.”

For example, increasingly, there’s an option to add a tip at a retail counter. Swann says, “If you couldn’t find what you were looking for and someone helped you, if they went out of their way and were very gracious, then sure, show your appreciation. But other than that, you don’t have to tip in a retail store.”

However, you’re expected to tip in plenty of places, and the rules for each scenario vary. Let’s break it down by industry.

Tipping at restaurants

For generations, the standard restaurant tip was always “15% for good service, 20% for great,” Swann says. Now, she observes, the minimum is closer to 15% to 18%, and 20% to 25% for exemplary service.

But Swann cautions to inquire where exactly your gratuity is going. “Often, a restaurant will add an 18% gratuity for large groups. But is that tip going to the server? If you’re unsure, ask management what the fee is for—that way, you can make a more informed decision about how much to tip your server.”

Finally, the consensus is that you don’t need to tip at a fast-casual restaurant (where you order at a counter versus having table service). But if you feel you’ve received exemplary service, it’s appreciated. One notable exception is the coffee shop, where a $1 or $2 tip per drink is standard.

How much to tip food delivery

Tipping for food delivery should be treated like good service at a restaurant: You tip a minimum of 18% to 20%. If you’re ordering a lot, the weather is bad, or the driver is coming a far distance, consider adding a few extra percentage points. And make no mistake: The “delivery fee” on your bill goes to the company, not your delivery person, so don’t lower your tip based on that fee.

A woman accepts a food delivery at her door.

How much to tip at bars

The standard at a traditional establishment, where you order and receive your drink directly from the bartender, is about $1 per beer and $2 per cocktail. However, if you’re at an upscale cocktail bar and your mixologist has gone to great lengths, you should tip 20% of the final tab at the end of your visit.

How to tip your movers

Moving can be more expensive than you think, so make sure you factor 20% of your total moving costs as a tip for your movers. If you have, for example, a collection of grand pianos or bowling balls, add a little more for their trouble.

Your moving crew will typically be managed by a leader who handles the paperwork and primarily communicates with you. It’s acceptable to give them the entire tip at the end of the move and explain that it should be shared with the full crew.

Tipping for cabs and ride-shares

The bottom line, Swann says, is that since cab rides customarily conclude with a tip, ride-share trips should, too. Include a tip in the app used to schedule the car service; if you’re wondering how much to tip your ride-share driver, the standard is about 15%.

How to tip a valet

When tipping the valet who parks and retrieves your car, the standard tip is between $3 and $5, depending on the level of service.

Tipping at hotels

Hotels are full of potential tipping situations, from the person who brings your bags to your room to the housekeeper who keeps it clean. But typical practices break down like this:

Luggage attendants

If you have loads of luggage, stick with $1 or $2 per luggage item. But if you only have a couple of things, tip $5 to make the elevator ride worth their while.

Room service

What’s the best practice when ordering that steak and eggs or late-night hot fudge sundae to your room? Pretend you’re at a restaurant and tip the standard 15% to -20% if there’s not already a room service charge added to the bill.

Housekeeper or hotel maid

Tip the hotel maid between $1 and $5 per day, but don’t wait until the end of your stay, as the staff might change daily. Include a small note with the tip each day to signal the tip is for that day’s service.

Two hair stylists smile as they work on clients in a sunny salon.

Salons and spas 

How much to tip your hairstylist

The minimum tip is 15%, but the standard is closer to 20%. Include everyone involved. Tip your hair washer $2 to $5 and give 20% to anyone providing additional services. (For example, tip your hair colorist 20% of that service cost).

How much to tip at the nail salon

The same goes for tipping at the nail salon. Tip between 15% and 20% for each service (or more if the service is exceptional). For example, if you have a separate nail technician and esthetician, tip them separately based on the cost of the service provided.

If you have a regular relationship with your stylist or other personal services provider, a holiday gift is a good idea—generally a gift certificate or cash that’s equal to the cost of one session.

Do you tip a babysitter? 

Tipping a babysitter or nanny each time isn’t necessary, but an end-of-the-year gift is a nice gesture. For nannies, the standard is roughly one or two weeks’ pay; for babysitters, it’s about the cost of one evening of babysitting.

Tips at weddings

Factor in the cost of tipping when planning your wedding finances. With so many different services involved in your special day, make sure you’ve budgeted for all of them:  

Caterers/reception staff

Tip caterers and reception staff 15% to 20% of the total cost of your food bill, or $5 to $10 per guest, unless gratuity is already included in your contract.

“You should always tip a restaurant server, and never less than 10%.”

Elaine Swann, etiquette expert

Wedding planner

The standard tip for a wedding planner is less defined, but it tends to fall between 10% and 20%­ of the wedding cost—or a generous gift, which many newlyweds opt to do.

DJ or band members

Most people offer between $50 and $150 per DJ or between $25 and $35 to each wedding band member.

Makeup artist

The standard 15-25% is the norm for any makeup artists providing services to the bridal party.

Tips you don’t have to give

Swann clarifies that professional service providers—financial advisors, doctors, lawyers, teachers, veterinarians, therapists, or life coaches—should not be offered tips.

Similarly, some workers cannot accept tips. Delivery drivers are discouraged from doing so (so they aren’t targeted for cash), and mail carriers are forbidden from receiving monetary gifts of more than $20, per the USPS. However, Swann says, “a small gift, rather than money, is always appreciated.”

Handling common tipping dilemmas

Knowing when to tip is often complicated by various factors—but there are ways to simplify these scenarios. Here’s how to handle a few common tipping troubles:

Splitting the check

Swann says, “When you sit down at the table, simply say out loud to the group, ‘Are we splitting the check evenly, or are we all paying for ourselves?’” Addressing the problem directly makes the situation more manageable.

You received bad service

If your server treated you poorly, Swann says it’s okay for your “tip to reflect that level of service.” However, “You should always tip a restaurant server, and never less than 10%,” Swann says. “But if you give less than the standard amount, make sure the bad service was truly the fault of the server and not, for example, the chef, busser, or management.”

You don’t have cash on you

A no-fee debit card is your best friend. And when the vendor only takes cash, you’ll want to use a bank with no-fee ATMs with thousands of available locations nationwide.

Discover logo
Earn cash back with your debit card
Learn More
Discover Debit card
Discover Bank, Member FDIC

Knowledge is power

Tipping can be a headache if you’re not sure what the situation requires or if you’re uncertain about what’s typically offered. But armed with this extensive guide to tipping, you’ll know the proper protocol, including when to tip, how much, and to whom.

Ready to open a checking account that puts your tip money at your fingertips? Set up a Discover® Cashback Debit account.

Articles may contain information from third parties. The inclusion of such information does not imply an affiliation with the bank or bank sponsorship, endorsement, or verification regarding the third party or information.

The information provided herein is for informational purposes only and is not intended to be construed as professional advice. Nothing contained in this article shall give rise to, or be construed to give rise to, any obligation or liability whatsoever on the part of Discover Bank or its affiliates.

  • Share

Take your financial knowledge to new heights

Sign up for our quarterly Modern Money newsletter.

Enter a valid email address.
Send me articles about (optional)
  • Saving
  • Budgeting
  • Retirement
  • All Topics
Please verify that you are not a robot.

By providing your email address, you are consenting to receive the Modern Money newsletter from Discover. Subscribing to this newsletter will not impact any other email preference you may have with Discover. Discover may also use the email address to provide information to you on products and services.

Loading…

Discover Bank, Member FDIC

Tags:

  • Debit Card
  • How To
  • Life Events
  • Moving
  • Online Checking Account
  • Quick Tips
  • Spending
Related Article
Happy birthday to you! How to throw a meaningful birthday on your budget
Close
  • Share

Related Content

How to use cash back on a debit card to the fullest
How to pick a checking account? Here’s what to know
Guide for how to plan a bridal shower on a budget

Banking on Your Terms

Checking Account: Enjoy Everyday Checking and Earn Cash Back While Doing It
Checking Account
A woman looking at a bouquet of flowers.
Online Savings Account: Imagine an Online Savings Account Without the Monthly Fees
Online Savings Account
Two men are pushing kids on swings in a park.
Money Market Account: Get the Best of Both Worlds: Flexibility and High Yields
Money Market Account
Mom and daughter play on the steps of a building.
Certificate of Deposit: Lock in Your APY and Reap the Returns
Certificate of Deposit
Couple dancing in a living room.
Individual Retirement Accounts: Make Saving for Retirement a Lot Easier
Individual Retirement Accounts
An older woman laughing in a yellow shirt. Here are some tips on how to retire successfully.
Quick Quiz: Find the Account That's Right For You
Quick Quiz
A set of icons with a clock and a piggy bank.
Back To Top

Online Banking Products

  • Checking Account
  • Online Savings Account
  • Money Market Account
  • Certificate of Deposit
  • IRA Certificate of Deposit
  • IRA Savings Account
  • Compare Retirement Accounts
  • Find an Account
  • CD Rates

Help and Resources

  • FAQ
  • ATM Locator
  • Forms and Documents
  • Secure Document Upload
  • Mobile Banking
  • Digital Wallets
  • Features and Benefits
  • Modern Money Blog
  • FDIC Insurance

Other Discover Products

  • Credit Cards
  • Home Loans
  • Personal Loans
  • Student Loans

About Discover

  • About Discover
  • Financial Education
  • Investor Relations
  • Merchants
  • Newsroom
  • Sitemap
  • Terms of Use
  • Security Center
  • Privacy
  • Your California Privacy Choices
  • Contact Us
  • AdChoices
  • Facebook
  • X
  • LinkedIn

©2025 Discover Bank, Member FDIC

Discover

© 2025 Discover Bank, Member FDIC

  • Equal Housing Lender
  • Equal Housing Lender
  • Equal Housing Lender

Share

  • Link Copy Link.
  • Email Share article via email.
  • Facebook Share article on facebook.
  • X Share article on X.
  • LinkedIn Share article on LinkedIn.

Link copied:
Do you know when to tip? This guide to tipping can help

You are leaving Discover.com to share with #

You are leaving Discover.com and entering a website operated by a third party. We are providing the link to this website for your convenience, or because we have a relationship with the third party. Discover Bank does not provide the products and services on the website. Please review the applicable privacy and security policies and terms and conditions for the website you are visiting. Discover Bank does not guarantee the accuracy of any financial tools that may be available on the website or their applicability to your circumstances. For personal advice regarding your financial situation, please consult with a financial advisor at your expense. You are leaving Discover.com and entering a website operated by a third party. We are providing the link to this website for your convenience, or because we have a relationship with the third party. Discover Bank does not provide the products and services on the website. Please review the applicable privacy and security policies and terms and conditions for the website you are visiting. Discover Bank does not guarantee the accuracy of any financial tools that may be available on the website or their applicability to your circumstances. For personal advice regarding your financial situation, please consult with a financial advisor at your expense.

Continue Cancel