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Side trips from Varenna

We will be in Varenna at the end of our trip in October. We are considering side trips to Lugano or St Moritz Switzerland through Tivano tours. Has anyone used them before and what was it like? Also, can you use Euros in those places or will I need to exchange for Swiss francs or get them from an ATM?

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We took the train to St. Moritz from Tirano. It was a great narrow guage ride. We actually started in Milano to Tirano, then St. Moritz. It's a beautiful trip. We stayed at a hotel that backs right up to the tracks, but since it's mostly a scenic line and everything stopped at night, it was fine. It was the cheapest place in town and quite well situated. You will definitely need Swiss francs. We always us ATMs.