Nutty

Best travel card

Currensea logo

Pay less bank fees when spending in foreign currencies, while still using your same bank account.

Visit Currensea¹

Best travel cards overall

XXX

Top pick

£5 welcome bonus

Currensea logo
Fees
4.5 out 5
Currency range
5.0 out of 5
Experience
4.8 out 5
Customer service
4.0 out 5
Overall rating
4.6 out 5
Visit Currensea¹

T&C's apply.

Currensea

With Currensea, you can get a travel card that connects directly to your bank account – it acts just the same as your bank card, and transactions come directly out of your bank account.

The only difference, is you won't have to pay hefty bank fees, saving anywhere from 85% to 100% of the cost.

It's a great alternative to a prepaid travel card if you want something a bit simpler.

Pros

• Save between 85% and 100% on bank fees
• Links directly to your existing bank account (works with all major banks)
• Spend abroad like a local with a debit card (and free card delivery)
• 0% exchange rate fee on paid plans
• 0.50% exchange rate fee on the free plan (very low)
• Uses the best exchange rate (interbank rate)
• Cash withdrawals free up to £500
• Works with all 180 currencies
• Great customer service
• Safe and secure

Cons

• Need to get a paid plan to get 0% exchange rate fees (£25 per year)
• Not much else!

Currensea review

No exchange fees on the first £500 per month

Zing logo
Fees
4.7 out 5
Currency range
4.2 out 5
Experience
4.5 out 5
Customer service
4.0 out 5
Overall rating
4.4 out 5
Visit Zing¹

Offer ends Dec 2024. Zing is not a bank. Zing is an e-money institution (EMI) authorised by the Financial Conduct Authority. Find out more, including what this means to you by visiting Zing.

Zing

Zing is the travel money and money transfer app from HSBC.

It’s pretty great for spending abroad – simply transfer money to it, convert it to the currency you’d like, and then spend away.

And it’s low cost, with a simple fee of 0.20% to convert currency (swap your local currency for the one you need, e.g. Pounds to Euros). It uses the real exchange rate, so no hidden fees either.

Pros

• Low cost
• All currencies available
• Hold multiple currencies in one account
• Send money abroad
• No hidden fees
• Excellent customer support (24/7)
• Part of HSBC

Cons

• No interest on your balances

• Not much else!

You can also make one international cash withdrawal per month for free too (£2 fee after), with UK withdrawals being fee-free, and there’s 24/7 customer support from real people.

You can also send money from your Zing account to your friends and family who live abroad (with no outbound transfer fees).

WISE logo
Fees
4.5 out 5
Currency range
4.5 out 5
Experience
4.8 out 5
Customer service
3.5 out 5
Overall rating
4.3 out 5
Visit WISE¹

WISE

Wise is one of the best travel cards out there. It's super popular, with over 16 million customers around the world.

It's got some of the lowest fees you'll find, and it's available in over 40 currencies and 150+ countries.

The card is contactless, and there's a great phone app (and website) to manage everything too.

Pros

• Very low cost money transfers
• Easy to use
• Over 40 currencies available
• Fast payments
• Debit card for spending (such as on holidays)
• Great for foreign nationals and expats
• Awesome business account for international payments
• Earn interest and invest cash (including businesses)
• Very safe and secure

Cons

• Only £200 fee-free cash withdrawals (fees after this)
• Not much else!

WISE review

Best direct-debit travel card

XXX

Top pick

£5 welcome bonus

Currensea logo
Fees
4.5 out 5
Currency range
5.0 out of 5
Experience
4.8 out 5
Customer service
4.0 out 5
Overall rating
4.6 out 5
Visit Currensea¹

T&C's apply.

Currensea

With Currensea, you can get a travel card that connects directly to your bank account – it acts just the same as your bank card, and transactions come directly out of your bank account.

The only difference, is you won't have to pay hefty bank fees, saving anywhere from 85% to 100% of the cost.

It's a great alternative to a prepaid travel card if you want something a bit simpler.

Pros

• Save between 85% and 100% on bank fees
• Links directly to your existing bank account (works with all major banks)
• Spend abroad like a local with a debit card (and free card delivery)
• 0% exchange rate fee on paid plans
• 0.50% exchange rate fee on the free plan (very low)
• Uses the best exchange rate (interbank rate)
• Cash withdrawals free up to £500
• Works with all 180 currencies
• Great customer service
• Safe and secure

Cons

• Need to get a paid plan to get 0% exchange rate fees (£25 per year)
• Not much else!

Currensea review

Best travel prepaid cards

XXX

Top pick

No exchange fees on the first £500 per month

Zing logo
Fees
4.7 out 5
Currency range
4.2 out 5
Experience
4.5 out 5
Customer service
4.0 out 5
Overall rating
4.4 out 5
Visit Zing¹

Offer ends Dec 2024. Zing is not a bank. Zing is an e-money institution (EMI) authorised by the Financial Conduct Authority. Find out more, including what this means to you by visiting Zing.

Zing

Zing is the travel money and money transfer app from HSBC.

It’s pretty great for spending abroad – simply transfer money to it, convert it to the currency you’d like, and then spend away.

And it’s low cost, with a simple fee of 0.20% to convert currency (swap your local currency for the one you need, e.g. Pounds to Euros). It uses the real exchange rate, so no hidden fees either.

Pros

• Low cost
• All currencies available
• Hold multiple currencies in one account
• Send money abroad
• No hidden fees
• Excellent customer support (24/7)
• Part of HSBC

Cons

• No interest on your balances

• Not much else!

You can also make one international cash withdrawal per month for free too (£2 fee after), with UK withdrawals being fee-free, and there’s 24/7 customer support from real people.

You can also send money from your Zing account to your friends and family who live abroad (with no outbound transfer fees).

WISE logo
Fees
4.5 out 5
Currency range
4.5 out 5
Experience
4.8 out 5
Customer service
3.5 out 5
Overall rating
4.3 out 5
Visit WISE¹

WISE

Wise is one of the best travel cards out there. It's super popular, with over 16 million customers around the world.

It's got some of the lowest fees you'll find, and it's available in over 40 currencies and 150+ countries.

The card is contactless, and there's a great phone app (and website) to manage everything too.

Pros

• Very low cost money transfers
• Easy to use
• Over 40 currencies available
• Fast payments
• Debit card for spending (such as on holidays)
• Great for foreign nationals and expats
• Awesome business account for international payments
• Earn interest and invest cash (including businesses)
• Very safe and secure

Cons

• Only £200 fee-free cash withdrawals (fees after this)
• Not much else!

WISE review

Best travel debit cards (bank accounts)

XXX

Top pick
Chase logo
Fees
4.2 out 5
Currency range
4.6 out 5
Experience
4.5 out 5
Customer service
3.9 out 5
Overall rating
4.3 out 5
Visit Chase

Chase

Chase travel debit card

Pros

• xxx

Cons

• xxx

xxx

Monzo logo
Fees
4.0 out 5
Currency range
4.5 out 5
Experience
4.6 out 5
Customer service
3.6 out 5
Overall rating
4.2 out 5
Visit Monzo

Monzo

Monzo travel debit card

Pros

• xxx

Cons

• xxx

xxx

Starling Bank Logo
Fees
4.0 out 5
Currency range
4.5 out 5
Experience
4.5 out 5
Customer service
3.2 out 5
Overall rating
4.1 out 5
Visit Starling

Starling

xxx

Pros

• xxx

Cons

• xxx

xxx

Best travel credit card (borrow money)

XXX

Top pick
Fees
3.5 out 5
Currency range
4.5 out 5
Experience
3.5 out 5
Customer service
3.5 out 5
Overall rating
3.8 out 5
Visit Barclaycard

Barclaycard

The Barclaycard Rewards Card is the best option for travelling if you’re after an actual credit card (need to borrow the money).

There’s no annual fees, and no fees to spend money abroad, or to withdraw cash, and it uses the Visa exchange rate (which is low, although not quite the ‘real’ exchange rate).

You’ll also get 0.25% cashback on your spending.

Pros

• No annual fees

• No fees to spend money abroad
• No fees to withdraw cash

• Get 0.25% cashback

Cons

• Interest rate: usually 25.9%, but can go up to 31.9%

• Late payment fee

Interest rate: usually 25.9%, but can go up to 31.9% – make sure you repay in full every month to avoid these high fees. There’s also fees for late payments (you have been warned).

Credit limit: usually borrow up to £1,200.

x

Edward Savage
Personal Finance Editor
Updated
23 Aug, 2024

Best travel card

Pay less bank fees when spending in foreign currencies, while still using your same bank account.

Visit Currensea¹