{"id":3699,"date":"2025-12-24T10:00:04","date_gmt":"2025-12-24T10:00:04","guid":{"rendered":"https:\/\/blog.lebara.co.uk\/?p=3699"},"modified":"2026-02-05T08:57:21","modified_gmt":"2026-02-05T08:57:21","slug":"best-apps-for-money-conversions-payments-abroad","status":"publish","type":"post","link":"https:\/\/blog.lebara.co.uk\/el\/best-apps-for-money-conversions-payments-abroad\/","title":{"rendered":"\u039f\u03b9 \u03ba\u03b1\u03bb\u03cd\u03c4\u03b5\u03c1\u03b5\u03c2 \u03b5\u03c6\u03b1\u03c1\u03bc\u03bf\u03b3\u03ad\u03c2 \u03b3\u03b9\u03b1 \u03bc\u03b5\u03c4\u03b1\u03c4\u03c1\u03bf\u03c0\u03ad\u03c2 \u03c7\u03c1\u03b7\u03bc\u03ac\u03c4\u03c9\u03bd &amp; \u03c0\u03bb\u03b7\u03c1\u03c9\u03bc\u03ad\u03c2 \u03c3\u03c4\u03bf \u03b5\u03be\u03c9\u03c4\u03b5\u03c1\u03b9\u03ba\u03cc"},"content":{"rendered":"<p>\u03a4\u03b1\u03be\u03b9\u03b4\u03b5\u03cd\u03bf\u03bd\u03c4\u03b1\u03c2 <a href=\"https:\/\/blog.lebara.co.uk\/el\/using-data-abroad-what-you-need-to-know\/\">\u03c3\u03c4\u03bf \u03b5\u03be\u03c9\u03c4\u03b5\u03c1\u03b9\u03ba\u03cc<\/a> should be about new experiences, not watching your holiday <a href=\"https:\/\/blog.lebara.co.uk\/el\/the-top-five-budget-smartphones-in-the-uk\/\">\u03c0\u03c1\u03bf\u03cb\u03c0\u03bf\u03bb\u03bf\u03b3\u03b9\u03c3\u03bc\u03cc\u03c2<\/a> disappear into bank fees and poor exchange rates. Yet for millions of travellers using traditional banks, that\u2019s exactly what happens\u2014often without them even realising it.<\/p>\n\n\n\n<p>The good news? In 2025, a handful of smart apps can slash your overseas spending costs to almost zero. Whether you\u2019re heading overseas for a long weekend in Barcelona or spending three months bouncing between Bali and Bangkok, choosing the right multi-currency wallet or travel money app makes all the difference.<\/p>\n\n\n\n<p>This guide breaks down exactly how to avoid foreign transaction fees, sidestep expensive ATM charges, and get the best possible exchange rate on every purchase abroad. We\u2019ll compare the leading apps, explain the hidden fees that catch most travellers out, and give you practical setups for different travel styles.<\/p>\n\n\n\n<div id=\"ez-toc-container\" class=\"ez-toc-v2_0_83 counter-hierarchy ez-toc-counter ez-toc-grey ez-toc-container-direction\">\n<div class=\"ez-toc-title-container\">\n<p class=\"ez-toc-title\" style=\"cursor:inherit\">\u03a0\u03af\u03bd\u03b1\u03ba\u03b1\u03c2 \u03c0\u03b5\u03c1\u03b9\u03b5\u03c7\u03bf\u03bc\u03ad\u03bd\u03c9\u03bd<\/p>\n<span class=\"ez-toc-title-toggle\"><a href=\"#\" class=\"ez-toc-pull-right ez-toc-btn ez-toc-btn-xs ez-toc-btn-default ez-toc-toggle\" aria-label=\"\u0395\u03bd\u03b1\u03bb\u03bb\u03b1\u03b3\u03ae \u03c0\u03af\u03bd\u03b1\u03ba\u03b1 \u03c0\u03b5\u03c1\u03b9\u03b5\u03c7\u03bf\u03bc\u03ad\u03bd\u03bf\u03c5\"><span class=\"ez-toc-js-icon-con\"><span class=\"\"><span class=\"eztoc-hide\" style=\"display:none;\">\u0395\u03bd\u03b1\u03bb\u03bb\u03b1\u03b3\u03ae<\/span><span class=\"ez-toc-icon-toggle-span\"><svg style=\"fill: #999;color:#999\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"list-377408\" width=\"20px\" height=\"20px\" viewbox=\"0 0 24 24\" fill=\"none\"><path d=\"M6 6H4v2h2V6zm14 0H8v2h12V6zM4 11h2v2H4v-2zm16 0H8v2h12v-2zM4 16h2v2H4v-2zm16 0H8v2h12v-2z\" fill=\"currentColor\"><\/path><\/svg><svg style=\"fill: #999;color:#999\" class=\"arrow-unsorted-368013\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"10px\" height=\"10px\" viewbox=\"0 0 24 24\" version=\"1.2\" baseprofile=\"tiny\"><path d=\"M18.2 9.3l-6.2-6.3-6.2 6.3c-.2.2-.3.4-.3.7s.1.5.3.7c.2.2.4.3.7.3h11c.3 0 .5-.1.7-.3.2-.2.3-.5.3-.7s-.1-.5-.3-.7zM5.8 14.7l6.2 6.3 6.2-6.3c.2-.2.3-.5.3-.7s-.1-.5-.3-.7c-.2-.2-.4-.3-.7-.3h-11c-.3 0-.5.1-.7.3-.2.2-.3.5-.3.7s.1.5.3.7z\"\/><\/svg><\/span><\/span><\/span><\/a><\/span><\/div>\n<nav><ul class='ez-toc-list ez-toc-list-level-1' ><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"https:\/\/blog.lebara.co.uk\/el\/best-apps-for-money-conversions-payments-abroad\/#Quick_Answer_Best_Apps_to_Use_in_2025\" >Quick Answer: Best Apps to Use in 2025<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/blog.lebara.co.uk\/el\/best-apps-for-money-conversions-payments-abroad\/#What_Are_Foreign_Transaction_Fees_%E2%80%93_And_How_Much_Do_They_Cost_in_2025\" >What Are Foreign Transaction Fees \u2013 And How Much Do They Cost in 2025?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/blog.lebara.co.uk\/el\/best-apps-for-money-conversions-payments-abroad\/#Hidden_Charges_When_Paying_and_Withdrawing_Abroad\" >Hidden Charges When Paying and Withdrawing Abroad<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"https:\/\/blog.lebara.co.uk\/el\/best-apps-for-money-conversions-payments-abroad\/#How_to_Avoid_Foreign_Transaction_Fees_on_Card_Payments_Abroad\" >How to Avoid Foreign Transaction Fees on Card Payments Abroad<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-5\" href=\"https:\/\/blog.lebara.co.uk\/el\/best-apps-for-money-conversions-payments-abroad\/#Always_Pay_in_the_Local_Currency\" >Always Pay in the Local Currency<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-6\" href=\"https:\/\/blog.lebara.co.uk\/el\/best-apps-for-money-conversions-payments-abroad\/#Weekend_Exchange_Rate_Markups_Explained\" >Weekend Exchange Rate Markups Explained<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-7\" href=\"https:\/\/blog.lebara.co.uk\/el\/best-apps-for-money-conversions-payments-abroad\/#Best_Apps_for_Money_Conversion_and_Spending_Abroad_in_2025\" >Best Apps for Money Conversion and Spending Abroad in 2025<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-8\" href=\"https:\/\/blog.lebara.co.uk\/el\/best-apps-for-money-conversions-payments-abroad\/#Wise\" >Wise<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-9\" href=\"https:\/\/blog.lebara.co.uk\/el\/best-apps-for-money-conversions-payments-abroad\/#Revolut\" >Revolut<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-10\" href=\"https:\/\/blog.lebara.co.uk\/el\/best-apps-for-money-conversions-payments-abroad\/#Monzo_UK\" >Monzo (UK)<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-11\" href=\"https:\/\/blog.lebara.co.uk\/el\/best-apps-for-money-conversions-payments-abroad\/#Starling_UK\" >Starling (UK)<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-12\" href=\"https:\/\/blog.lebara.co.uk\/el\/best-apps-for-money-conversions-payments-abroad\/#Curve\" >Curve<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-13\" href=\"https:\/\/blog.lebara.co.uk\/el\/best-apps-for-money-conversions-payments-abroad\/#N26_EU\" >N26 (EU)<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-14\" href=\"https:\/\/blog.lebara.co.uk\/el\/best-apps-for-money-conversions-payments-abroad\/#Chase_UK\" >Chase UK<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-15\" href=\"https:\/\/blog.lebara.co.uk\/el\/best-apps-for-money-conversions-payments-abroad\/#How_to_Choose\" >How to Choose<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-16\" href=\"https:\/\/blog.lebara.co.uk\/el\/best-apps-for-money-conversions-payments-abroad\/#How_to_Avoid_Cash_Machine_ATM_Charges_Abroad\" >How to Avoid Cash Machine (ATM) Charges Abroad<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-17\" href=\"https:\/\/blog.lebara.co.uk\/el\/best-apps-for-money-conversions-payments-abroad\/#Best_Practices_for_Using_ATMs_Abroad_in_2025\" >Best Practices for Using ATMs Abroad in 2025<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-18\" href=\"https:\/\/blog.lebara.co.uk\/el\/best-apps-for-money-conversions-payments-abroad\/#Before_Departure\" >Before Departure<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-19\" href=\"https:\/\/blog.lebara.co.uk\/el\/best-apps-for-money-conversions-payments-abroad\/#At_the_ATM\" >At the ATM<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-20\" href=\"https:\/\/blog.lebara.co.uk\/el\/best-apps-for-money-conversions-payments-abroad\/#Budgeting_Your_Cash_Needs\" >Budgeting Your Cash Needs<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-21\" href=\"https:\/\/blog.lebara.co.uk\/el\/best-apps-for-money-conversions-payments-abroad\/#How_Travel_Wallets_and_Multi-Currency_Cards_Compare\" >How Travel Wallets and Multi-Currency Cards Compare<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-22\" href=\"https:\/\/blog.lebara.co.uk\/el\/best-apps-for-money-conversions-payments-abroad\/#Main_Types\" >Main Types<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-23\" href=\"https:\/\/blog.lebara.co.uk\/el\/best-apps-for-money-conversions-payments-abroad\/#Multi-Currency_Wallets\" >\u03a0\u03bf\u03c1\u03c4\u03bf\u03c6\u03cc\u03bb\u03b9\u03b1 \u03c0\u03bf\u03bb\u03bb\u03b1\u03c0\u03bb\u03ce\u03bd \u03bd\u03bf\u03bc\u03b9\u03c3\u03bc\u03ac\u03c4\u03c9\u03bd<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-24\" href=\"https:\/\/blog.lebara.co.uk\/el\/best-apps-for-money-conversions-payments-abroad\/#Prepaid_Travel_Cards\" >Prepaid Travel Cards<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-25\" href=\"https:\/\/blog.lebara.co.uk\/el\/best-apps-for-money-conversions-payments-abroad\/#Digital_Wallets\" >Digital Wallets<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-26\" href=\"https:\/\/blog.lebara.co.uk\/el\/best-apps-for-money-conversions-payments-abroad\/#Example_Setups_for_Different_Traveller_Types\" >Example Setups for Different Traveller Types<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-27\" href=\"https:\/\/blog.lebara.co.uk\/el\/best-apps-for-money-conversions-payments-abroad\/#UK_City-Break_Traveller_4_Days_in_Europe\" >UK City-Break Traveller: 4 Days in Europe<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-28\" href=\"https:\/\/blog.lebara.co.uk\/el\/best-apps-for-money-conversions-payments-abroad\/#Digital_Nomad_3_Months_in_Europe_and_Asia\" >Digital Nomad: 3 Months in Europe and Asia<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-29\" href=\"https:\/\/blog.lebara.co.uk\/el\/best-apps-for-money-conversions-payments-abroad\/#US-Based_Parent_Supporting_a_Student_Abroad\" >US-Based Parent: Supporting a Student Abroad<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-30\" href=\"https:\/\/blog.lebara.co.uk\/el\/best-apps-for-money-conversions-payments-abroad\/#Final_Tips_for_Smarter_Overseas_Spending_and_Cash_Access\" >Final Tips for Smarter Overseas Spending and Cash Access<\/a><\/li><\/ul><\/nav><\/div>\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Quick_Answer_Best_Apps_to_Use_in_2025\"><\/span>Quick Answer: Best Apps to Use in 2025<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Using the right multi-currency apps in 2025 can almost eliminate foreign transaction fees and ATM charges for UK, EU, US, and Australian travellers. While traditional banks still charge 2.75%\u20133% on every overseas transaction, these fintech alternatives offer fee free spending and competitive exchange rates that save you real money.<\/p>\n\n\n\n<p><strong>Top picks for 2025:<\/strong><\/p>\n\n\n\n<figure class=\"wp-block-table\"><table class=\"has-fixed-layout\"><tbody><tr><th>\u0395\u03c6\u03b1\u03c1\u03bc\u03bf\u03b3\u03ae<\/th><th>\u039a\u03b1\u03bb\u03cd\u03c4\u03b5\u03c1\u03b1 \u03b3\u03b9\u03b1<\/th><th>Key Advantage<\/th><\/tr><tr><td><strong>Wise<\/strong><\/td><td>Overall value<\/td><td>Mid-market exchange rate with transparent, low fees<\/td><\/tr><tr><td><strong>Revolut<\/strong><\/td><td>Variety of features<\/td><td>Multi-currency holding, budgeting tools, wide coverage<\/td><\/tr><tr><td><strong>Monzo<\/strong> (UK)<\/td><td>Everyday card payments<\/td><td>0% FX fees on spending, simple interface<\/td><\/tr><tr><td><strong>Starling<\/strong> (UK)<\/td><td>Fee-free spending abroad<\/td><td>No foreign transaction fees on purchases or withdrawals<\/td><\/tr><tr><td><strong>Curve<\/strong><\/td><td>Layering on existing cards<\/td><td>Use your existing cards with better FX<\/td><\/tr><tr><td><strong>N26<\/strong> (EU)<\/td><td>European travellers<\/td><td>Solid free tier with no FX markup<\/td><\/tr><tr><td><strong>Chase UK<\/strong><\/td><td>UK-based travellers<\/td><td>No fees abroad, 1% cashback<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p>For card payments abroad, Monzo, Starling, and Chase UK offer genuinely fee-free spending. For cash withdrawals, Wise provides a free ATM allowance before percentage fees kick in, while Revolut offers similar limits but applies weekend markups on currency exchange.<\/p>\n\n\n\n<p>Traditional high-street banks in the UK still charge around 2.75%\u20133% in foreign transaction fees, plus separate ATM withdrawal fees and Dynamic Currency Conversion (DCC) markups. That\u2019s before the local cash machine even charges you its own fee.<\/p>\n\n\n\n<p>The rest of this article breaks down fees, weekend markups, ATM strategies, and app-by-app comparisons\u2014written primarily for readers in the UK and other major English-speaking markets.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"What_Are_Foreign_Transaction_Fees_%E2%80%93_And_How_Much_Do_They_Cost_in_2025\"><\/span>What Are Foreign Transaction Fees \u2013 And How Much Do They Cost in 2025?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Foreign transaction fees are the percentage charge your bank or app adds when you pay in a currency different from your card\u2019s \u201chome\u201d currency. Every time you tap your UK bank card in France or your US card in Japan, this fee quietly applies.<\/p>\n\n\n\n<p><strong>Typical ranges in 2025:<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>UK high-street banks:<\/strong> 2.75%\u20133% per purchase or cash withdrawal<\/li>\n\n\n\n<li><strong>US banks:<\/strong> 2%\u20133% (though some premium cards waive this)<\/li>\n\n\n\n<li><strong>Premium travel cards and neo-banks:<\/strong> 0%<\/li>\n<\/ul>\n\n\n\n<p>Here\u2019s what catches most people: three separate layers can apply on a single overseas transaction.<\/p>\n\n\n\n<ol class=\"wp-block-list\">\n<li><strong>Foreign transaction fee<\/strong> \u2013 your bank\u2019s percentage charge<\/li>\n\n\n\n<li><strong>FX markup<\/strong> \u2013 the difference between the rate you get and the mid-market rate<\/li>\n\n\n\n<li><strong>Local ATM\/operator fees<\/strong> \u2013 flat charges from the cash machine itself<\/li>\n<\/ol>\n\n\n\n<p><strong>Concrete example:<\/strong> You spend \u00a31,000 on a week\u2019s holiday in Spain using a standard UK bank debit card with a 2.99% foreign transaction fee. That\u2019s roughly \u00a330 gone before you\u2019ve even thought about cash. Add a few ATM withdrawals at \u20ac3 each, and you\u2019re looking at \u00a340\u2013\u00a350 in unnecessary fees.<\/p>\n\n\n\n<p>Many \u201ctravel credit cards\u201d like Halifax Clarity or Barclaycard Rewards waive FX fees on purchases\u2014which sounds great. But they often charge interest on cash withdrawals from day one, plus potential conversion fees. Always read the small print before assuming any card is truly \u201cfree.\u201d<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Hidden_Charges_When_Paying_and_Withdrawing_Abroad\"><\/span>Hidden Charges When Paying and Withdrawing Abroad<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>The sticker price is rarely the full cost. Hidden fees are often buried in the small print or embedded in the exchange rate itself\u2014and they can add 3%\u20137% on top of normal spending if you use the wrong card or select the wrong on-screen option.<\/p>\n\n\n\n<p><strong>Common hidden costs to watch for:<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Non-sterling transaction fees<\/strong> \u2013 often listed separately from the \u201cforeign transaction fee\u201d<\/li>\n\n\n\n<li><strong>Cash advance fees on credit cards<\/strong> \u2013 many credit cards treat ATM withdrawals as cash advances, charging 3%\u20135% upfront plus interest from day one<\/li>\n\n\n\n<li><strong>Local ATM surcharges<\/strong> \u2013 typically \u20ac2\u2013\u20ac6 per withdrawal in Europe, $3\u2013$7 in the US<\/li>\n\n\n\n<li><strong>Poor FX rates via Dynamic Currency Conversion (DCC)<\/strong> \u2013 when you accept conversion to your home currency at the machine or till<\/li>\n\n\n\n<li><strong>Weekend and off-market rate markups<\/strong> \u2013 many apps add 0.5%\u20131.5% when FX markets are closed<\/li>\n<\/ul>\n\n\n\n<p>Before travelling, check your card or app\u2019s tariff page (make sure it\u2019s updated for 2025). Focus specifically on:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>\u201cNon-sterling transaction fee\u201d<\/li>\n\n\n\n<li>\u201cCash withdrawal fee\u201d or \u201cATM fee abroad\u201d<\/li>\n\n\n\n<li>\u201cATM usage abroad\u201d terms<\/li>\n\n\n\n<li>Weekend markup policies<\/li>\n<\/ul>\n\n\n\n<p>The dedicated ATM section later in this article covers specific strategies for avoiding these charges at the machine itself.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"How_to_Avoid_Foreign_Transaction_Fees_on_Card_Payments_Abroad\"><\/span>How to Avoid Foreign Transaction Fees on Card Payments Abroad<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>The easiest saving comes from card payments\u2014restaurants, hotels, shops\u2014where you can often achieve 0% FX with the right app and a few good habits.<\/p>\n\n\n\n<p><strong>Choose an app or card with:<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>0% foreign transaction fees on purchases<\/li>\n\n\n\n<li>FX at or close to the mid-market rate<\/li>\n\n\n\n<li>No or low weekend markup (ideally 0% midweek, \u22640.5% at weekends)<\/li>\n\n\n\n<li>Visa or Mastercard <a href=\"https:\/\/blog.lebara.co.uk\/el\/how-to-find-out-what-network-youre-on\/\">\u03b4\u03af\u03ba\u03c4\u03c5\u03bf<\/a> for strong global acceptance<\/li>\n<\/ul>\n\n\n\n<p><strong>Recommended options by region:<\/strong><\/p>\n\n\n\n<figure class=\"wp-block-table\"><table class=\"has-fixed-layout\"><tbody><tr><th>\u03a0\u03b5\u03c1\u03b9\u03bf\u03c7\u03ae<\/th><th>Best Options<\/th><\/tr><tr><td><strong>UK\/EU<\/strong><\/td><td>Wise, Revolut, Monzo, Starling, N26, Curve<\/td><\/tr><tr><td><strong>\u0397\u03a0\u0391<\/strong><\/td><td>Wise, Revolut (where available), dedicated no-FX credit cards<\/td><\/tr><tr><td><strong>\u0391\u03c5\u03c3\u03c4\u03c1\u03b1\u03bb\u03af\u03b1\/\u0396\u03ce\u03bd\u03b7<\/strong><\/td><td>Wise, Revolut, ING Orange Everyday, Macquarie Transaction Account<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Always_Pay_in_the_Local_Currency\"><\/span>Always Pay in the Local Currency<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>This is the single most important rule for overseas spending. When a card machine or ATM asks whether you want to pay in your home currency or the local currency, <strong>always choose the local currency<\/strong>.<\/p>\n\n\n\n<p>Dynamic Currency Conversion DCC is where merchants or ATMs offer to convert your purchase into your home currency \u201cfor convenience.\u201d In reality, they apply their own terrible exchange rate\u2014typically 5%\u20137% worse than you\u2019d get otherwise. This additional cost goes straight to the merchant or ATM operator.<\/p>\n\n\n\n<blockquote class=\"wp-block-quote is-layout-flow wp-block-quote-is-layout-flow\">\n<p>Every time you see \u201cPay in GBP?\u201d or \u201cConvert to USD?\u201d on screen, decline it. Choose the country\u2019s currency instead.<\/p>\n<\/blockquote>\n\n\n\n<p>Turn on instant notifications in your banking app so you can immediately see the local amount, the converted amount, and spot any unexpected additional fees.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Weekend_Exchange_Rate_Markups_Explained\"><\/span>Weekend Exchange Rate Markups Explained<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>FX markets close late Friday evening and don\u2019t reopen until late Sunday (London time). During this period, many banks and apps add a temporary cushion to their rates to cover potential currency movements\u2014and you pay for that cushion.<\/p>\n\n\n\n<p><strong>Typical weekend markups in 2025:<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Revolut:<\/strong> 0.5%\u20131% extra on most currencies at weekends<\/li>\n\n\n\n<li><strong>Wise:<\/strong> Generally lower weekend markup, but still applies to some pairs<\/li>\n\n\n\n<li><strong>Traditional banks:<\/strong> Often use a fixed \u201ctourist rate\u201d all week that\u2019s already marked up<\/li>\n<\/ul>\n\n\n\n<p><strong>\u03a0\u03b1\u03c1\u03ac\u03b4\u03b5\u03b9\u03b3\u03bc\u03b1:<\/strong> You convert \u00a3500 to EUR on a Saturday using Revolut. With a 1% weekend markup, you receive roughly \u20ac5\u2013\u20ac6 less than if you\u2019d converted on Tuesday.<\/p>\n\n\n\n<p><strong>Strategies to minimise weekend costs:<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Pre-convert a modest amount during weekdays if you know you\u2019ll spend heavily on Saturday and Sunday<\/li>\n\n\n\n<li>Avoid speculative large conversions far in advance unless you understand rate risk<\/li>\n\n\n\n<li>Check your app\u2019s specific weekend policy before making big exchanges<\/li>\n<\/ul>\n\n\n\n<p>Some digital wallets like Curve act as a \u201cmeta-card\u201d that passes through your underlying bank\u2019s rate without adding additional weekend FX fees\u2014but your underlying cards may still have their own rules.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Best_Apps_for_Money_Conversion_and_Spending_Abroad_in_2025\"><\/span>Best Apps for Money Conversion and Spending Abroad in 2025<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>This section provides a practical comparison of leading travel money apps, focusing on FX cost, ATM rules, and ease of use for everyday travellers.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Wise\"><\/span>Wise<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>Wise (formerly TransferWise) built its reputation on transparent pricing and the real exchange rate. The app uses the mid-market rate\u2014the same rate you see on Google or XE\u2014with a small, visible fee on top.<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>FX:<\/strong> Mid-market rate, no hidden markup<\/li>\n\n\n\n<li><strong>Card payments abroad:<\/strong> 0% foreign transaction fees<\/li>\n\n\n\n<li><strong>ATM withdrawals:<\/strong> 2 free withdrawals per month up to \u00a3200 (or equivalent), then 1.75% fee<\/li>\n\n\n\n<li><strong>Weekend policy:<\/strong> Small markup on some currency pairs, but generally lower than competitors<\/li>\n<\/ul>\n\n\n\n<p>Wise is particularly strong for <a href=\"https:\/\/blog.lebara.co.uk\/el\/how-to-cut-the-cost-of-international-calls-on-a-mobile-phone\/\">\u03b4\u03b9\u03b5\u03b8\u03bd\u03ad\u03c2<\/a> transfers\u2014you can hold balances in 40+ currencies and receive money like a local in several countries. The Wise card works almost anywhere Mastercard is accepted.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Revolut\"><\/span>Revolut<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>Revolut positions itself as a financial \u201csuper-app\u201d with over 60 million customers worldwide. Beyond currency exchange, it offers budgeting tools, bill splitting, savings vaults, and even crypto trading.<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>FX:<\/strong> Interbank rate on weekdays; 0.5%\u20131% markup at weekends<\/li>\n\n\n\n<li><strong>Card payments abroad:<\/strong> 0% on the free tier up to a monthly limit (currently ~\u00a31,000), then 0.5%<\/li>\n\n\n\n<li><strong>ATM withdrawals:<\/strong> Free up to \u00a3200\/month on the free plan, then 2% fee<\/li>\n\n\n\n<li><strong>Fair usage:<\/strong> Higher-tier plans offer larger free allowances<\/li>\n<\/ul>\n\n\n\n<p>Revolut suits travellers who want greater control over their finances with features like instant spending analytics. Just be aware of the weekend markup and monthly limits on the free tier.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Monzo_UK\"><\/span>Monzo (UK)<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>Monzo is a UK-based digital bank with a distinctive coral card and a reputation for simplicity. It\u2019s particularly popular among younger travellers.<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>FX:<\/strong> Mastercard exchange rate with no additional markup<\/li>\n\n\n\n<li><strong>Card payments abroad:<\/strong> 0% foreign transaction fees<\/li>\n\n\n\n<li><strong>ATM withdrawals:<\/strong> Free up to \u00a3400 every 30 days abroad, then 3%<\/li>\n\n\n\n<li><strong>Weekend policy:<\/strong> No additional weekend markup<\/li>\n<\/ul>\n\n\n\n<p>For UK travellers who want a straightforward, fee-free experience for card payments and reasonable ATM access, Monzo is a convenient choice.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Starling_UK\"><\/span>Starling (UK)<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>Starling is another UK digital bank offering genuinely fee-free overseas spending. It\u2019s often considered Monzo\u2019s main competitor.<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>FX:<\/strong> Mastercard exchange rate, no markup<\/li>\n\n\n\n<li><strong>Card payments abroad:<\/strong> 0% foreign transaction fees<\/li>\n\n\n\n<li><strong>ATM withdrawals:<\/strong> No Starling fee on withdrawals (local operator fees may still apply)<\/li>\n\n\n\n<li><strong>Weekend policy:<\/strong> No additional weekend markup<\/li>\n<\/ul>\n\n\n\n<p><strong>\u03a0\u03b1\u03c1\u03ac\u03b4\u03b5\u03b9\u03b3\u03bc\u03b1:<\/strong> Paying \u20ac100 at a restaurant in Spain with Starling costs you exactly the Mastercard exchange rate equivalent in GBP\u2014currently around \u00a386. The same payment with a typical UK high-street debit card charging 2.99% would cost you roughly \u00a388.50. That\u2019s \u00a32.50 saved on a single meal.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Curve\"><\/span>Curve<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>Curve works differently\u2014it\u2019s a \u201cmeta-card\u201d that sits on top of your existing debit or credit cards. You link your existing cards to the Curve app, then use the Curve card abroad. It applies its own FX rate and lets you <a href=\"https:\/\/blog.lebara.co.uk\/el\/6-reasons-to-switch-to-lebara-in-2023\/\">\u03b4\u03b9\u03b1\u03ba\u03cc\u03c0\u03c4\u03b7\u03c2<\/a> which underlying card is charged even after the transaction.<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>FX:<\/strong> Interbank rate up to \u00a3500\/month on the free tier, then 2%<\/li>\n\n\n\n<li><strong>Card payments abroad:<\/strong> Uses Curve\u2019s rate, not your underlying card\u2019s<\/li>\n\n\n\n<li><strong>ATM withdrawals:<\/strong> Free up to \u00a3200\/month, then 2%<\/li>\n\n\n\n<li><strong>Weekend policy:<\/strong> No additional markup (uses weekday\u2019s closing rate)<\/li>\n<\/ul>\n\n\n\n<p>Curve is useful for earning rewards on an underlying card while avoiding that card\u2019s poor FX rate abroad.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"N26_EU\"><\/span>N26 (EU)<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>N26 is a German digital bank available across the EU. It\u2019s particularly popular among Europeans and expats living in eurozone countries.<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>FX:<\/strong> Mastercard rate with no additional markup<\/li>\n\n\n\n<li><strong>Card payments abroad:<\/strong> 0% within the eurozone; 0% outside on the Smart\/You plans, 1.7% on the free tier<\/li>\n\n\n\n<li><strong>ATM withdrawals:<\/strong> 3 free per month in the eurozone (free tier), varies outside<\/li>\n\n\n\n<li><strong>Weekend policy:<\/strong> No additional weekend markup<\/li>\n<\/ul>\n\n\n\n<p>For EU-based travellers, N26 offers lower fees than traditional banks across the continent.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Chase_UK\"><\/span>Chase UK<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>Chase launched in the UK in 2021 and quickly became popular for its combination of 1% cashback and no-fee overseas spending.<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>FX:<\/strong> Mastercard rate, no additional markup<\/li>\n\n\n\n<li><strong>Card payments abroad:<\/strong> 0% foreign transaction fees<\/li>\n\n\n\n<li><strong>ATM withdrawals:<\/strong> No Chase fee (local operator fees may apply)<\/li>\n\n\n\n<li><strong>Cashback:<\/strong> 1% on all spending for the first 12 months<\/li>\n<\/ul>\n\n\n\n<p>For UK residents, Chase UK offers the rare combination of cashback and fee-free overseas use\u2014making it excellent for both daily banking and travel.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"How_to_Choose\"><\/span>How to Choose<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Prioritise fee-free card payments?<\/strong> Monzo, Starling, or Chase UK<\/li>\n\n\n\n<li><strong>Need strong ATM allowances?<\/strong> Wise or Starling<\/li>\n\n\n\n<li><strong>Want multi-currency holding and transfers?<\/strong> Wise or Revolut<\/li>\n\n\n\n<li><strong>Based in the EU?<\/strong> N26 or Revolut<\/li>\n\n\n\n<li><strong>Want to layer on existing cards?<\/strong> Curve<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"How_to_Avoid_Cash_Machine_ATM_Charges_Abroad\"><\/span>How to Avoid Cash Machine (ATM) Charges Abroad<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>ATMs are where many travellers overpay. The combination of bank fees, ATM surcharges, and DCC can turn a simple cash withdrawal into an expensive mistake. With a smart card and a few rules, you can cut these costs dramatically.<\/p>\n\n\n\n<p><strong>Common ATM fees you\u2019ll encounter:<\/strong><\/p>\n\n\n\n<figure class=\"wp-block-table\"><table class=\"has-fixed-layout\"><tbody><tr><th>Fee Type<\/th><th>Typical Amount<\/th><th>Who Charges It<\/th><\/tr><tr><td>Your bank\/app\u2019s withdrawal fee<\/td><td>0%\u20133% or flat fee<\/td><td>Your card provider<\/td><\/tr><tr><td>Local ATM operator surcharge<\/td><td>\u20ac2\u2013\u20ac6 \/ $3\u2013$7<\/td><td>The ATM owner<\/td><\/tr><tr><td>FX markup<\/td><td>1%\u20133%<\/td><td>Your card provider<\/td><\/tr><tr><td>Dynamic Currency Conversion<\/td><td>5%\u20138%<\/td><td>ATM operator<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p><strong>How to minimise ATM costs:<\/strong><\/p>\n\n\n\n<ol class=\"wp-block-list\">\n<li><strong>Use cards with free ATM allowances<\/strong> \u2013 Wise, Revolut, Monzo, Starling, and N26 all offer monthly limits for free withdrawals abroad<\/li>\n\n\n\n<li><strong>Choose major bank ATMs<\/strong> \u2013 Avoid independent ATMs like Euronet, Travelex, or Cardtronics. These often charge higher fees and aggressively push DCC. Bank-branded machines inside actual bank branches typically have lower cost or no surcharge<\/li>\n\n\n\n<li><strong>Always choose the local currency<\/strong> \u2013 When the screen asks \u201cWithdraw in GBP?\u201d or \u201cConvert to your home currency?\u201d, decline. This avoids the DCC markup entirely<\/li>\n\n\n\n<li><strong>Withdraw larger amounts less often<\/strong> \u2013 If a fixed \u20ac3 fee applies per withdrawal, it\u2019s better to take \u20ac300 once than \u20ac100 three times. Balance this against safety and your budget<\/li>\n<\/ol>\n\n\n\n<p>In some destinations\u2014Thailand, parts of the US, and South America\u2014ATM surcharges are almost unavoidable. Local machines commonly charge 200\u2013250 baht (roughly \u00a35\u20136) or $3\u20135 regardless of your card. The best you can do is avoid extra bank and DCC charges on top by using a low-fee travel card.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Best_Practices_for_Using_ATMs_Abroad_in_2025\"><\/span>Best Practices for Using ATMs Abroad in 2025<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Here\u2019s a practical checklist for before you travel and at the machine itself.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Before_Departure\"><\/span>Before Departure<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Check your daily and monthly ATM limits<\/strong> \u2013 raise them temporarily through your app if needed<\/li>\n\n\n\n<li><strong>Set up strong authentication<\/strong> \u2013 biometric login, PIN protection, and live spend alerts<\/li>\n\n\n\n<li><strong>Take at least two different cards<\/strong> \u2013 e.g., Wise plus your home bank account debit card, in case one is <a href=\"https:\/\/blog.lebara.co.uk\/el\/lost-your-smartphone-heres-how-to-track-and-retrieve-it-safely\/\">\u03c7\u03b1\u03bc\u03ad\u03bd\u03bf<\/a>, <a href=\"https:\/\/blog.lebara.co.uk\/el\/what-to-do-if-your-phone-is-stolen\/\">\u03ba\u03bb\u03b5\u03bc\u03bc\u03ad\u03bd\u03bf<\/a>, or blocked<\/li>\n\n\n\n<li><strong>Know your card\u2019s fee structure<\/strong> \u2013 exactly how much free ATM withdrawal you have and what fees apply after<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"At_the_ATM\"><\/span>At the ATM<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Choose machines inside or attached to major bank branches<\/strong> during working hours where possible\u2014they\u2019re safer and typically have lower fees<\/li>\n\n\n\n<li><strong>Decline any on-screen offer to charge in your home currency<\/strong> \u2013 this is DCC, and it always costs more<\/li>\n\n\n\n<li><strong>Read any surcharge message carefully<\/strong> \u2013 if the fee looks excessive, cancel and try another ATM nearby<\/li>\n\n\n\n<li><strong>Cover your PIN<\/strong> \u2013 card skimming still exists, even at legitimate machines<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Budgeting_Your_Cash_Needs\"><\/span>Budgeting Your Cash Needs<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Plan rough cash requirements<\/strong> in advance, especially for cash-heavy countries like Japan, Vietnam, or parts of Southern Europe<\/li>\n\n\n\n<li><strong>Prefer card payments for larger sums<\/strong> where your travel card offers 0% FX<\/li>\n\n\n\n<li><strong>Keep small emergency cash<\/strong> in a major currency (USD or EUR) as backup, but rely primarily on low-fee apps<\/li>\n<\/ul>\n\n\n\n<p>Use your app\u2019s instant freeze\/unfreeze feature if anything seems suspicious\u2014a few taps can block your card immediately while you investigate.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"How_Travel_Wallets_and_Multi-Currency_Cards_Compare\"><\/span>How Travel Wallets and Multi-Currency Cards Compare<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>\u201cTravel cards\u201d now range from simple prepaid cards to full multi-currency wallets with local bank account details. Understanding the differences helps you choose the right tool.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Main_Types\"><\/span>Main Types<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<figure class=\"wp-block-table\"><table class=\"has-fixed-layout\"><tbody><tr><th>\u03a4\u03cd\u03c0\u03bf\u03c2<\/th><th>\u03a0\u03b1\u03c1\u03b1\u03b4\u03b5\u03af\u03b3\u03bc\u03b1\u03c4\u03b1<\/th><th>\u039a\u03b1\u03bb\u03cd\u03c4\u03b5\u03c1\u03b1 \u03b3\u03b9\u03b1<\/th><\/tr><tr><td><strong>Multi-currency debit cards<\/strong><\/td><td>Wise, Revolut, N26, Monzo, Starling<\/td><td>Flexible spending and holding multiple currencies<\/td><\/tr><tr><td><strong>Prepaid travel cards<\/strong><\/td><td>Caxton, Post Office, airline\/supermarket cards<\/td><td>Strict budgeting, locking in rates<\/td><\/tr><tr><td><strong>Digital wallet overlays<\/strong><\/td><td>Curve, <a href=\"https:\/\/blog.lebara.co.uk\/el\/a-guide-to-the-top-iphones-for-business-and-pleasure\/\">Apple<\/a> Pay, Google Pay<\/td><td>Layering on existing cards<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Multi-Currency_Wallets\"><\/span>\u03a0\u03bf\u03c1\u03c4\u03bf\u03c6\u03cc\u03bb\u03b9\u03b1 \u03c0\u03bf\u03bb\u03bb\u03b1\u03c0\u03bb\u03ce\u03bd \u03bd\u03bf\u03bc\u03b9\u03c3\u03bc\u03ac\u03c4\u03c9\u03bd<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>These let you hold balances in multiple foreign currency accounts\u2014EUR, USD, AUD, and more. You can convert money when rates look favourable and spend from that balance later with no further FX.<\/p>\n\n\n\n<p><strong>Strengths:<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Mid-market or close-to-mid-market exchange rates<\/li>\n\n\n\n<li>Simple switching between currencies inside the app<\/li>\n\n\n\n<li>Often include local bank account details for receiving wire <a href=\"https:\/\/blog.lebara.co.uk\/el\/how-to-transfer-apps-to-a-new-phone\/\">\u03bc\u03b5\u03c4\u03b1\u03c6\u03bf\u03c1\u03ac<\/a> \u03c0\u03bb\u03b7\u03c1\u03c9\u03bc\u03ad\u03c2<\/li>\n\n\n\n<li>Lower fees than traditional banks for international transfers<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Prepaid_Travel_Cards\"><\/span>Prepaid Travel Cards<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>Prepaid cards from the post office, supermarkets, or specialist providers let you load money before you travel, often at a locked-in rate.<\/p>\n\n\n\n<p><strong>Strengths:<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Good for rigid budgeting\u2014you can only spend what you\u2019ve loaded<\/li>\n\n\n\n<li>Some offer rate protection if you load in advance<\/li>\n\n\n\n<li>Useful backup card<\/li>\n<\/ul>\n\n\n\n<p><strong>Weaknesses:<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>May have reloading fees, inactivity fees, or poor exchange rates compared to Wise\/Revolut<\/li>\n\n\n\n<li>Less flexibility than app-based alternatives<\/li>\n\n\n\n<li>Often missing online shopping and digital wallet integration<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Digital_Wallets\"><\/span>Digital Wallets<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>Apple Pay and Google Pay let you use your Wise, Revolut, or bank cards through your phone or watch. Curve acts as an intermediary\u2014you tap your Curve card (physical or via Apple Pay\/Google Pay), and Curve charges your chosen underlying card.<\/p>\n\n\n\n<p>For most travellers in 2025, a multi-currency debit card or app-based bank with 0% FX on spending plus limited free ATM use is the most flexible and cost effective option. Prepaid cards work as backup for those who want greater control over a fixed holiday budget.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Example_Setups_for_Different_Traveller_Types\"><\/span>Example Setups for Different Traveller Types<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Here\u2019s how to combine apps and cards to minimise fees for different travel scenarios.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"UK_City-Break_Traveller_4_Days_in_Europe\"><\/span>UK City-Break Traveller: 4 Days in Europe<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p><strong>Setup:<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Main card:<\/strong> Monzo or Starling for everyday payments (0% FX)<\/li>\n\n\n\n<li><strong>\u0394\u03b7\u03bc\u03b9\u03bf\u03c5\u03c1\u03b3\u03af\u03b1 \u03b1\u03bd\u03c4\u03b9\u03b3\u03c1\u03ac\u03c6\u03c9\u03bd \u03b1\u03c3\u03c6\u03b1\u03bb\u03b5\u03af\u03b1\u03c2:<\/strong> Wise card for ATM withdrawals up to the free allowance<\/li>\n\n\n\n<li><strong>Emergency:<\/strong> Home bank debit or credit card (kept in hotel safe)<\/li>\n<\/ul>\n\n\n\n<p><strong>Estimated savings:<\/strong> On \u00a3800 holiday spending with a traditional UK bank charging 2.99% FX, you\u2019d pay roughly \u00a324 in fees. With Monzo\/Starling, you pay \u00a30\u2014saving enough for a nice dinner.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Digital_Nomad_3_Months_in_Europe_and_Asia\"><\/span>Digital Nomad: 3 Months in Europe and Asia<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p><strong>Setup:<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Main account:<\/strong> Wise or Revolut for receiving salary in multiple currencies and multi currency wallets management<\/li>\n\n\n\n<li><strong>Secondary:<\/strong> Local bank account where available (useful for recurring local payments)<\/li>\n\n\n\n<li><strong>ATM strategy:<\/strong> Withdraw larger amounts less frequently, use major banks only, always decline DCC<\/li>\n<\/ul>\n\n\n\n<p><strong>Estimated annual savings:<\/strong> A nomad spending \u00a32,000\/month abroad with a standard bank card (2.99% FX + ATM fees) might pay \u00a3800+ annually in hidden fees. With Wise\/Revolut and smart ATM habits, this drops to under \u00a3100.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"US-Based_Parent_Supporting_a_Student_Abroad\"><\/span>US-Based Parent: Supporting a Student Abroad<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p><strong>Setup:<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Transfer method:<\/strong> Wise for money transfers from USD to EUR or GBP (more competitive exchange rates than bank wire transfer)<\/li>\n\n\n\n<li><strong>Student receives:<\/strong> Multi-currency wallet with Wise or Revolut<\/li>\n\n\n\n<li><strong>Student spends:<\/strong> Associated debit or credit card abroad with 0% FX and controlled ATM withdrawal limits<\/li>\n<\/ul>\n\n\n\n<p><strong>Estimated savings:<\/strong> Sending $500\/month via traditional bank wire with poor FX rates might cost $30\u201340 monthly in combined fees. Wise typically charges $5\u201310 for the same transfer\u2014saving $200\u2013300 annually.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Final_Tips_for_Smarter_Overseas_Spending_and_Cash_Access\"><\/span>Final Tips for Smarter Overseas Spending and Cash Access<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Three key levers control your overseas costs:<\/p>\n\n\n\n<ol class=\"wp-block-list\">\n<li><strong>Choose the right app<\/strong> \u2013 0% foreign transaction fees, mid-market rates, free ATM allowances<\/li>\n\n\n\n<li><strong>Always pay in local currency<\/strong> \u2013 never accept DCC at ATMs or card machines<\/li>\n\n\n\n<li><strong>Minimise ATM interaction with bad machines<\/strong> \u2013 avoid independent operators, stick to bank branches<\/li>\n<\/ol>\n\n\n\n<p>Before every overseas trip, check your provider\u2019s 2025 fee schedule. FX fees, free ATM limits, and weekend markups can change annually or by plan tier. What worked last year might not be the same way this year.<\/p>\n\n\n\n<p>Do a \u201ctest\u201d small transaction before travelling\u2014an online shopping purchase in a foreign currency, for example\u2014to confirm how fees appear in your app\u2019s statement. Better to discover a surprise fee while sitting at home than at a restaurant in Rome.<\/p>\n\n\n\n<p>The most robust setup for many countries combines:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>A fee-free credit card for large purchases with purchase protection (flights, hotels)<\/li>\n\n\n\n<li>A low-fee multi-currency debit card for day-to-day spending and cash<\/li>\n<\/ul>\n\n\n\n<p>A few minutes of planning can easily save \u00a350\u2013\u00a3200 on a typical one-week holiday. For frequent travellers and digital nomads, annual savings run into the hundreds or even thousands of pounds.<\/p>\n\n\n\n<p>The apps exist. The competitive rate options are there. The only question is whether you\u2019ll spend those savings on experiences\u2014or hand them over to your bank in common pitfalls and conversion fees.<\/p>","protected":false},"excerpt":{"rendered":"<p>Travelling abroad should be about new experiences, not watching your holiday budget disappear into bank fees and poor exchange rates. Yet for millions of travellers using traditional banks, that\u2019s exactly what happens\u2014often without them even realising it. The good news? In 2025, a handful of smart apps can slash your overseas spending costs to almost&#8230;<\/p>\n<div><a class=\"read-more button-link\" href=\"https:\/\/blog.lebara.co.uk\/el\/best-apps-for-money-conversions-payments-abroad\/\">\u0394\u03b9\u03b1\u03b2\u03ac\u03c3\u03c4\u03b5 \u03c0\u03b5\u03c1\u03b9\u03c3\u03c3\u03cc\u03c4\u03b5\u03c1\u03b1<\/a><\/div>","protected":false},"author":8,"featured_media":0,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_monsterinsights_skip_tracking":false,"_monsterinsights_sitenote_active":false,"_monsterinsights_sitenote_note":"","_monsterinsights_sitenote_category":0,"fifu_image_url":"","fifu_image_alt":"","footnotes":""},"categories":[17],"tags":[],"class_list":["post-3699","post","type-post","status-publish","format-standard","hentry","category-apps","clearfix",false],"amp_enabled":true,"_links":{"self":[{"href":"https:\/\/blog.lebara.co.uk\/el\/wp-json\/wp\/v2\/posts\/3699","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/blog.lebara.co.uk\/el\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/blog.lebara.co.uk\/el\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/blog.lebara.co.uk\/el\/wp-json\/wp\/v2\/users\/8"}],"replies":[{"embeddable":true,"href":"https:\/\/blog.lebara.co.uk\/el\/wp-json\/wp\/v2\/comments?post=3699"}],"version-history":[{"count":1,"href":"https:\/\/blog.lebara.co.uk\/el\/wp-json\/wp\/v2\/posts\/3699\/revisions"}],"predecessor-version":[{"id":3709,"href":"https:\/\/blog.lebara.co.uk\/el\/wp-json\/wp\/v2\/posts\/3699\/revisions\/3709"}],"wp:attachment":[{"href":"https:\/\/blog.lebara.co.uk\/el\/wp-json\/wp\/v2\/media?parent=3699"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/blog.lebara.co.uk\/el\/wp-json\/wp\/v2\/categories?post=3699"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/blog.lebara.co.uk\/el\/wp-json\/wp\/v2\/tags?post=3699"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}