{"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\/ja\/best-apps-for-money-conversions-payments-abroad\/","title":{"rendered":"\u6d77\u5916\u3067\u306e\u4e21\u66ff\u3068\u652f\u6255\u3044\u306b\u6700\u9069\u306a\u30a2\u30d7\u30ea"},"content":{"rendered":"<p>\u65c5\u884c <a href=\"https:\/\/blog.lebara.co.uk\/ja\/using-data-abroad-what-you-need-to-know\/\">\u6d77\u5916<\/a> \u4f11\u6687\u3092\u697d\u3057\u3080\u306e\u3067\u306f\u306a\u304f\u3001\u65b0\u3057\u3044\u7d4c\u9a13\u3092\u3059\u308b\u3053\u3068\u3002 <a href=\"https:\/\/blog.lebara.co.uk\/ja\/the-top-five-budget-smartphones-in-the-uk\/\">\u4e88\u7b97<\/a> \u9280\u884c\u306e\u624b\u6570\u6599\u3084\u4f4e\u3044\u70ba\u66ff\u30ec\u30fc\u30c8\u306b\u57cb\u3082\u308c\u3066\u3057\u307e\u3046\u3002\u3057\u304b\u3057\u3001\u5f93\u6765\u306e\u9280\u884c\u3092\u5229\u7528\u3057\u3066\u3044\u308b\u4f55\u767e\u4e07\u4eba\u3082\u306e\u65c5\u884c\u8005\u306b\u3068\u3063\u3066\u306f\u3001\u305d\u308c\u3053\u305d\u304c\u307e\u3055\u306b\u8d77\u3053\u3063\u3066\u3044\u308b\u3053\u3068\u306a\u306e\u3060\u3002.<\/p>\n\n\n\n<p>\u826f\u3044\u30cb\u30e5\u30fc\u30b9\uff1f2025\u5e74\u306b\u306f\u3001\u307b\u3093\u306e\u4e00\u63e1\u308a\u306e\u30b9\u30de\u30fc\u30c8\u306a\u30a2\u30d7\u30ea\u304c\u3001\u3042\u306a\u305f\u306e\u6d77\u5916\u3067\u306e\u51fa\u8cbb\u3092\u307b\u307c\u30bc\u30ed\u306b\u3059\u308b\u3053\u3068\u304c\u3067\u304d\u308b\u3002\u30d0\u30eb\u30bb\u30ed\u30ca\u3067\u9577\u3044\u9031\u672b\u3092\u904e\u3054\u3059\u306b\u305b\u3088\u3001\u30d0\u30ea\u5cf6\u3068\u30d0\u30f3\u30b3\u30af\u30923\u30f6\u6708\u9593\u884c\u304d\u6765\u3059\u308b\u306b\u305b\u3088\u3001\u9069\u5207\u306a\u30de\u30eb\u30c1\u30ab\u30ec\u30f3\u30b7\u30fc\u30fb\u30a6\u30a9\u30ec\u30c3\u30c8\u3084\u30c8\u30e9\u30d9\u30eb\u30de\u30cd\u30fc\u30fb\u30a2\u30d7\u30ea\u3092\u9078\u3076\u304b\u3069\u3046\u304b\u3067\u3001\u3059\u3079\u3066\u304c\u9055\u3063\u3066\u304f\u308b\u3002.<\/p>\n\n\n\n<p>\u3053\u306e\u30ac\u30a4\u30c9\u3067\u306f\u3001\u5916\u56fd\u70ba\u66ff\u53d6\u5f15\u624b\u6570\u6599\u3092\u56de\u907f\u3057\u3001\u9ad8\u984d\u306aATM\u624b\u6570\u6599\u3092\u56de\u907f\u3057\u3001\u6d77\u5916\u3067\u306e\u8cb7\u3044\u7269\u306e\u305f\u3073\u306b\u53ef\u80fd\u306a\u9650\u308a\u6700\u9ad8\u306e\u70ba\u66ff\u30ec\u30fc\u30c8\u3092\u5f97\u308b\u65b9\u6cd5\u3092\u5177\u4f53\u7684\u306b\u8aac\u660e\u3057\u307e\u3059\u3002\u4e3b\u8981\u306a\u30a2\u30d7\u30ea\u3092\u6bd4\u8f03\u3057\u3001\u307b\u3068\u3093\u3069\u306e\u65c5\u884c\u8005\u304c\u5f15\u3063\u304b\u304b\u308b\u96a0\u308c\u305f\u624b\u6570\u6599\u3092\u8aac\u660e\u3057\u3001\u3055\u307e\u3056\u307e\u306a\u65c5\u884c\u30b9\u30bf\u30a4\u30eb\u306b\u5408\u308f\u305b\u305f\u5b9f\u7528\u7684\u306a\u8a2d\u5b9a\u3092\u304a\u4f1d\u3048\u3057\u307e\u3059\u3002.<\/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\">\u76ee\u6b21<\/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=\"\u30c8\u30b0\u30eb\u76ee\u6b21\"><span class=\"ez-toc-js-icon-con\"><span class=\"\"><span class=\"eztoc-hide\" style=\"display:none;\">\u30c8\u30b0\u30eb<\/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\" 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href=\"https:\/\/blog.lebara.co.uk\/ja\/best-apps-for-money-conversions-payments-abroad\/#Best_Apps_for_Money_Conversion_and_Spending_Abroad_in_2025\" >2025\u5e74\u3001\u6d77\u5916\u3067\u304a\u91d1\u3092\u5909\u63db\u3057\u3066\u4f7f\u3046\u305f\u3081\u306e\u30d9\u30b9\u30c8\u30a2\u30d7\u30ea<\/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\/ja\/best-apps-for-money-conversions-payments-abroad\/#Wise\" >\u30ef\u30a4\u30ba<\/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\/ja\/best-apps-for-money-conversions-payments-abroad\/#Revolut\" >\u30ec\u30f4\u30a9\u30eb\u30c3\u30c8<\/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\/ja\/best-apps-for-money-conversions-payments-abroad\/#Monzo_UK\" 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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\/ja\/best-apps-for-money-conversions-payments-abroad\/#How_to_Choose\" >\u9078\u3073\u65b9<\/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\/ja\/best-apps-for-money-conversions-payments-abroad\/#How_to_Avoid_Cash_Machine_ATM_Charges_Abroad\" >\u6d77\u5916\u3067\u306e\u73fe\u91d1\u81ea\u52d5\u9810\u3051\u6255\u3044\u6a5f\uff08ATM\uff09\u624b\u6570\u6599\u3092\u56de\u907f\u3059\u308b\u65b9\u6cd5<\/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\/ja\/best-apps-for-money-conversions-payments-abroad\/#Best_Practices_for_Using_ATMs_Abroad_in_2025\" >2025\u5e74\u3001\u6d77\u5916ATM\u5229\u7528\u306e\u30d9\u30b9\u30c8\u30d7\u30e9\u30af\u30c6\u30a3\u30b9<\/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\/ja\/best-apps-for-money-conversions-payments-abroad\/#Before_Departure\" >\u51fa\u767a\u524d<\/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\/ja\/best-apps-for-money-conversions-payments-abroad\/#At_the_ATM\" >ATM\u3067<\/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\/ja\/best-apps-for-money-conversions-payments-abroad\/#Budgeting_Your_Cash_Needs\" >\u5fc5\u8981\u306a\u73fe\u91d1\u306e\u4e88\u7b97\u3092\u7acb\u3066\u308b<\/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\/ja\/best-apps-for-money-conversions-payments-abroad\/#How_Travel_Wallets_and_Multi-Currency_Cards_Compare\" 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>UK\u30b7\u30c6\u30a3\u30d6\u30ec\u30a4\u30af\u30fb\u30c8\u30e9\u30d9\u30e9\u30fc\uff1a\u30e8\u30fc\u30ed\u30c3\u30d14\u65e5\u9593<\/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\/ja\/best-apps-for-money-conversions-payments-abroad\/#Digital_Nomad_3_Months_in_Europe_and_Asia\" >\u30c7\u30b8\u30bf\u30eb\u30fb\u30ce\u30de\u30c9\uff1a\u30e8\u30fc\u30ed\u30c3\u30d1\u3068\u30a2\u30b8\u30a2\u3067\u306e3\u30f6\u6708\u9593<\/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\/ja\/best-apps-for-money-conversions-payments-abroad\/#US-Based_Parent_Supporting_a_Student_Abroad\" >\u7c73\u56fd\u5728\u4f4f\u306e\u89aa\uff1a\u6d77\u5916\u306b\u3044\u308b\u5b66\u751f\u3092\u30b5\u30dd\u30fc\u30c8\u3059\u308b<\/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\/ja\/best-apps-for-money-conversions-payments-abroad\/#Final_Tips_for_Smarter_Overseas_Spending_and_Cash_Access\" >\u8ce2\u3044\u6d77\u5916\u652f\u51fa\u3068\u30ad\u30e3\u30c3\u30b7\u30e5\u30fb\u30a2\u30af\u30bb\u30b9\u306e\u305f\u3081\u306e\u6700\u5f8c\u306e\u30d2\u30f3\u30c8<\/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>\u30af\u30a4\u30c3\u30af\u30a2\u30f3\u30b5\u30fc2025\u5e74\u306b\u4f7f\u3046\u3079\u304d\u30d9\u30b9\u30c8\u30a2\u30d7\u30ea<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>2025\u5e74\u306b\u9069\u5207\u306a\u30de\u30eb\u30c1\u30ab\u30ec\u30f3\u30b7\u30fc\u30fb\u30a2\u30d7\u30ea\u3092\u4f7f\u3048\u3070\u3001\u82f1\u56fd\u3001EU\u3001\u7c73\u56fd\u3001\u30aa\u30fc\u30b9\u30c8\u30e9\u30ea\u30a2\u306e\u65c5\u884c\u8005\u306e\u6d77\u5916\u53d6\u5f15\u624b\u6570\u6599\u3084ATM\u624b\u6570\u6599\u3092\u307b\u3068\u3093\u3069\u306a\u304f\u3059\u3053\u3068\u304c\u3067\u304d\u308b\u3002\u4f1d\u7d71\u7684\u306a\u9280\u884c\u304c\u6d77\u5916\u53d6\u5f15\u306e\u305f\u3073\u306b2.75%-3%\u3092\u8acb\u6c42\u3059\u308b\u4e00\u65b9\u3067\u3001\u3053\u308c\u3089\u306e\u30d5\u30a3\u30f3\u30c6\u30c3\u30af\u306e\u4ee3\u66ff\u624b\u6bb5\u306f\u624b\u6570\u6599\u7121\u6599\u3067\u5229\u7528\u3067\u304d\u3001\u7af6\u4e89\u529b\u306e\u3042\u308b\u70ba\u66ff\u30ec\u30fc\u30c8\u3067\u5b9f\u969b\u306b\u304a\u91d1\u3092\u7bc0\u7d04\u3067\u304d\u308b\u3002.<\/p>\n\n\n\n<p><strong>2025\u5e74\u306e\u30c8\u30c3\u30d7\u30d4\u30c3\u30af<\/strong><\/p>\n\n\n\n<figure class=\"wp-block-table\"><table class=\"has-fixed-layout\"><tbody><tr><th>\u30a2\u30d7\u30ea<\/th><th>\u6700\u9069<\/th><th>\u4e3b\u306a\u5229\u70b9<\/th><\/tr><tr><td><strong>\u30ef\u30a4\u30ba<\/strong><\/td><td>\u7dcf\u5408\u7684\u306a\u4fa1\u5024<\/td><td>\u900f\u660e\u6027\u306e\u9ad8\u3044\u4f4e\u624b\u6570\u6599\u306e\u4e2d\u9593\u5e02\u5834\u70ba\u66ff\u30ec\u30fc\u30c8<\/td><\/tr><tr><td><strong>\u30ec\u30f4\u30a9\u30eb\u30c3\u30c8<\/strong><\/td><td>\u591a\u5f69\u306a\u6a5f\u80fd<\/td><td>\u591a\u901a\u8ca8\u4fdd\u6709\u3001\u4e88\u7b97\u7ba1\u7406\u30c4\u30fc\u30eb\u3001\u5e45\u5e83\u3044\u30ab\u30d0\u30ec\u30c3\u30b8<\/td><\/tr><tr><td><strong>\u30e2\u30f3\u30be<\/strong> (\u30a4\u30ae\u30ea\u30b9)<\/td><td>\u65e5\u5e38\u7684\u306a\u30ab\u30fc\u30c9\u6c7a\u6e08<\/td><td>0% FX\u624b\u6570\u6599\u3001\u30b7\u30f3\u30d7\u30eb\u306a\u30a4\u30f3\u30bf\u30fc\u30d5\u30a7\u30fc\u30b9<\/td><\/tr><tr><td><strong>\u30b9\u30bf\u30fc\u30ea\u30f3\u30b0<\/strong> (\u30a4\u30ae\u30ea\u30b9)<\/td><td>\u6d77\u5916\u3067\u306e\u624b\u6570\u6599\u7121\u6599<\/td><td>\u3054\u8cfc\u5165\u30fb\u304a\u5f15\u51fa\u3057\u306e\u969b\u306e\u6d77\u5916\u53d6\u5f15\u624b\u6570\u6599\u304c\u7121\u6599<\/td><\/tr><tr><td><strong>\u30ab\u30fc\u30d6<\/strong><\/td><td>\u65e2\u5b58\u306e\u30ab\u30fc\u30c9\u306b\u91cd\u306d\u308b<\/td><td>\u65e2\u5b58\u306e\u30ab\u30fc\u30c9\u3092\u3088\u308a\u826f\u3044FX\u3067\u4f7f\u3046<\/td><\/tr><tr><td><strong>N26<\/strong> (EU)<\/td><td>\u30e8\u30fc\u30ed\u30c3\u30d1\u306e\u65c5\u884c\u8005<\/td><td>FX\u30de\u30fc\u30af\u30a2\u30c3\u30d7\u306e\u306a\u3044\u5805\u5b9f\u306a\u7121\u6599\u30c6\u30a3\u30a2<\/td><\/tr><tr><td><strong>\u30c1\u30a7\u30a4\u30b9\u30fbUK<\/strong><\/td><td>\u82f1\u56fd\u5728\u4f4f\u306e\u65c5\u884c\u8005<\/td><td>\u6d77\u5916\u624b\u6570\u6599\u7121\u6599\u30011%\u30ad\u30e3\u30c3\u30b7\u30e5\u30d0\u30c3\u30af<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p>\u6d77\u5916\u3067\u306e\u30ab\u30fc\u30c9\u6c7a\u6e08\u3067\u306f\u3001Monzo\u3001Starling\u3001Chase UK\u304c\u7d14\u7c8b\u306b\u624b\u6570\u6599\u7121\u6599\u3067\u5229\u7528\u3067\u304d\u308b\u3002\u73fe\u91d1\u306e\u5f15\u304d\u51fa\u3057\u3067\u306f\u3001\u30ef\u30a4\u30ba\u306f\u624b\u6570\u6599\u304c\u304b\u304b\u308b\u524d\u306bATM\u306e\u7121\u6599\u5229\u7528\u67a0\u3092\u63d0\u4f9b\u3057\u3001\u30ea\u30dc\u30eb\u30fc\u30c8\u306f\u540c\u69d8\u306e\u9650\u5ea6\u984d\u3092\u63d0\u4f9b\u3059\u308b\u304c\u3001\u4e21\u66ff\u306b\u306f\u9031\u672b\u30de\u30fc\u30af\u30a2\u30c3\u30d7\u304c\u9069\u7528\u3055\u308c\u308b\u3002.<\/p>\n\n\n\n<p>\u82f1\u56fd\u306e\u4f1d\u7d71\u7684\u306a\u30cf\u30a4\u30b9\u30c8\u30ea\u30fc\u30c8\u9280\u884c\u3067\u306f\u3001\u5916\u56fd\u70ba\u66ff\u53d6\u5f15\u624b\u6570\u6599\u3068\u3057\u3066\u7d042.75%-3%\u3001\u3055\u3089\u306bATM\u5f15\u304d\u51fa\u3057\u624b\u6570\u6599\u3068\u30c0\u30a4\u30ca\u30df\u30c3\u30af\u30fb\u30ab\u30ec\u30f3\u30b7\u30fc\u30fb\u30b3\u30f3\u30d0\u30fc\u30b8\u30e7\u30f3\uff08DCC\uff09\u30de\u30fc\u30af\u30a2\u30c3\u30d7\u304c\u5225\u9014\u8acb\u6c42\u3055\u308c\u308b\u3002\u3053\u308c\u306f\u3001\u73fe\u5730\u306e\u73fe\u91d1\u81ea\u52d5\u9810\u3051\u6255\u3044\u6a5f\u3067\u624b\u6570\u6599\u3092\u53d6\u3089\u308c\u308b\u524d\u306e\u8a71\u3060\u3002.<\/p>\n\n\n\n<p>\u3053\u306e\u8a18\u4e8b\u306e\u6b8b\u308a\u306f\u3001\u624b\u6570\u6599\u3001\u9031\u672b\u306e\u30de\u30fc\u30af\u30a2\u30c3\u30d7\u3001ATM\u6226\u7565\u3001\u30a2\u30d7\u30ea\u3054\u3068\u306e\u6bd4\u8f03\u306b\u3064\u3044\u3066\u3001\u4e3b\u306b\u82f1\u56fd\u3084\u305d\u306e\u4ed6\u306e\u4e3b\u8981\u82f1\u8a9e\u570f\u5e02\u5834\u306e\u8aad\u8005\u5411\u3051\u306b\u66f8\u304b\u308c\u3066\u3044\u308b\u3002.<\/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>\u5916\u56fd\u70ba\u66ff\u53d6\u5f15\u624b\u6570\u6599\u3068\u306f - \u305d\u3057\u30662025\u5e74\u306b\u306f\u3044\u304f\u3089\u304b\u304b\u308b\u306e\u304b\uff1f<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>\u6d77\u5916\u53d6\u5f15\u624b\u6570\u6599\u3068\u306f\u3001\u30ab\u30fc\u30c9\u306e\u300c\u81ea\u56fd\u901a\u8ca8\u300d\u3068\u7570\u306a\u308b\u901a\u8ca8\u3067\u652f\u6255\u3044\u3092\u3059\u308b\u969b\u306b\u3001\u9280\u884c\u3084\u30a2\u30d7\u30ea\u304c\u8ab2\u3059\u624b\u6570\u6599\u306e\u3053\u3068\u3067\u3059\u3002\u30d5\u30e9\u30f3\u30b9\u3067\u30a4\u30ae\u30ea\u30b9\u306e\u9280\u884c\u30ab\u30fc\u30c9\u3092\u30bf\u30c3\u30d7\u3059\u308b\u305f\u3073\u306b\u3001\u307e\u305f\u306f\u65e5\u672c\u3067\u30a2\u30e1\u30ea\u30ab\u306e\u30ab\u30fc\u30c9\u3092\u30bf\u30c3\u30d7\u3059\u308b\u305f\u3073\u306b\u3001\u3053\u306e\u624b\u6570\u6599\u306f\u9759\u304b\u306b\u9069\u7528\u3055\u308c\u307e\u3059\u3002.<\/p>\n\n\n\n<p><strong>2025\u5e74\u306e\u5178\u578b\u7684\u306a\u7bc4\u56f2\uff1a<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>\u82f1\u56fd\u306e\u5927\u624b\u9280\u884c<\/strong> 2.75%-3%\uff08\u8cfc\u5165\u307e\u305f\u306f\u73fe\u91d1\u5f15\u304d\u51fa\u30571\u56de\u306b\u3064\u304d<\/li>\n\n\n\n<li><strong>\u7c73\u56fd\u306e\u9280\u884c<\/strong> 2%-3%\uff08\u305f\u3060\u3057\u3001\u4e00\u90e8\u306e\u30d7\u30ec\u30df\u30a2\u30e0\u30fb\u30ab\u30fc\u30c9\u306f\u514d\u9664\u3055\u308c\u308b\uff09<\/li>\n\n\n\n<li><strong>\u30d7\u30ec\u30df\u30a2\u30e0\u30fb\u30c8\u30e9\u30d9\u30eb\u30fb\u30ab\u30fc\u30c9\u3068\u30cd\u30aa\u30fb\u30d0\u30f3\u30af\uff1a<\/strong> 0%<\/li>\n<\/ul>\n\n\n\n<p>\u3053\u3053\u3067\u591a\u304f\u306e\u4eba\u304c\u5f15\u3063\u304b\u304b\u308b\u306e\u306f\u30011\u3064\u306e\u6d77\u5916\u53d6\u5f15\u30673\u3064\u306e\u30ec\u30a4\u30e4\u30fc\u304c\u9069\u7528\u3055\u308c\u308b\u53ef\u80fd\u6027\u304c\u3042\u308b\u3068\u3044\u3046\u3053\u3068\u3060\u3002.<\/p>\n\n\n\n<ol class=\"wp-block-list\">\n<li><strong>\u5916\u56fd\u70ba\u66ff\u53d6\u5f15\u624b\u6570\u6599<\/strong> - \u9280\u884c\u624b\u6570\u6599<\/li>\n\n\n\n<li><strong>FX\u30de\u30fc\u30af\u30a2\u30c3\u30d7<\/strong> - \u5e02\u5834\u30ec\u30fc\u30c8\u3068\u306e\u5dee\u984d<\/li>\n\n\n\n<li><strong>\u73fe\u5730ATM\/\u30aa\u30da\u30ec\u30fc\u30bf\u30fc\u624b\u6570\u6599<\/strong> - \u73fe\u91d1\u81ea\u52d5\u9810\u3051\u6255\u3044\u6a5f\u304b\u3089\u306e\u5b9a\u984d\u6599\u91d1<\/li>\n<\/ol>\n\n\n\n<p><strong>\u5177\u4f53\u7684\u306a\u4f8b\u3060\uff1a<\/strong> 2.99%\u306e\u6d77\u5916\u53d6\u5f15\u624b\u6570\u6599\u304c\u304b\u304b\u308b\u6a19\u6e96\u7684\u306a\u82f1\u56fd\u9280\u884c\u306e\u30c7\u30d3\u30c3\u30c8\u30ab\u30fc\u30c9\u3092\u4f7f\u3063\u3066\u3001\u30b9\u30da\u30a4\u30f3\u3067\u306e1\u9031\u9593\u306e\u4f11\u6687\u306b1,000\u30dd\u30f3\u30c9\u4f7f\u3063\u305f\u3068\u3059\u308b\u3002\u73fe\u91d1\u306e\u3053\u3068\u3092\u8003\u3048\u308b\u524d\u306b\u3001\u304a\u3088\u305d30\u30dd\u30f3\u30c9\u304c\u6d88\u3048\u3066\u3057\u307e\u3046\u30021\u56de3\u30e6\u30fc\u30ed\u306eATM\u5f15\u304d\u51fa\u3057\u3092\u6570\u56de\u8ffd\u52a0\u3059\u308b\u3068\u3001\u4e0d\u8981\u306a\u624b\u6570\u6599\u304c40\uff5e50\u30dd\u30f3\u30c9\u304b\u304b\u308b\u3053\u3068\u306b\u306a\u308b\u3002.<\/p>\n\n\n\n<p>\u30cf\u30ea\u30d5\u30a1\u30c3\u30af\u30b9\u30fb\u30af\u30e9\u30ea\u30c6\u30a3\u3084\u30d0\u30fc\u30af\u30ec\u30a4\u30ab\u30fc\u30c9\u30fb\u30ea\u30ef\u30fc\u30c9\u306e\u3088\u3046\u306a\u300c\u30c8\u30e9\u30d9\u30eb\u30fb\u30af\u30ec\u30b8\u30c3\u30c8\u30ab\u30fc\u30c9\u300d\u306e\u591a\u304f\u306f\u3001\u8cfc\u5165\u6642\u306e\u70ba\u66ff\u624b\u6570\u6599\u3092\u7121\u6599\u306b\u3057\u3066\u3044\u308b\u3002\u3057\u304b\u3057\u3001\u73fe\u91d1\u306e\u5f15\u304d\u51fa\u3057\u306b\u306f\u521d\u65e5\u304b\u3089\u91d1\u5229\u304c\u304b\u304b\u308b\u3053\u3068\u304c\u591a\u304f\u3001\u3055\u3089\u306b\u70ba\u66ff\u624b\u6570\u6599\u304c\u304b\u304b\u308b\u53ef\u80fd\u6027\u3082\u3042\u308b\u3002\u3069\u306e\u30ab\u30fc\u30c9\u3082\u672c\u5f53\u306b\u300c\u7121\u6599\u300d\u3060\u3068\u601d\u3044\u8fbc\u3080\u524d\u306b\u3001\u5fc5\u305a\u5c0f\u3055\u306a\u6d3b\u5b57\u3092\u8aad\u3080\u3053\u3068\u3002\u201c<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Hidden_Charges_When_Paying_and_Withdrawing_Abroad\"><\/span>\u6d77\u5916\u3067\u306e\u652f\u6255\u3044\u304a\u3088\u3073\u5f15\u304d\u51fa\u3057\u306e\u969b\u306e\u96a0\u308c\u305f\u624b\u6570\u6599<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>\u8868\u793a\u4fa1\u683c\u304c\u5168\u984d\u3067\u3042\u308b\u3053\u3068\u306f\u7a00\u3067\u3059\u3002\u96a0\u308c\u305f\u624b\u6570\u6599\u306f\u5c0f\u3055\u306a\u6587\u5b57\u306b\u57cb\u3082\u308c\u3066\u3044\u305f\u308a\u3001\u70ba\u66ff\u30ec\u30fc\u30c8\u305d\u306e\u3082\u306e\u306b\u7d44\u307f\u8fbc\u307e\u308c\u3066\u3044\u308b\u3053\u3068\u304c\u591a\u304f\u3001\u9593\u9055\u3063\u305f\u30ab\u30fc\u30c9\u3092\u4f7f\u3063\u305f\u308a\u3001\u753b\u9762\u4e0a\u306e\u30aa\u30d7\u30b7\u30e7\u30f3\u3092\u9078\u629e\u3057\u305f\u308a\u3059\u308b\u3068\u3001\u901a\u5e38\u306e\u652f\u51fa\u306b\u52a0\u3048\u30663%-7%\u304c\u52a0\u7b97\u3055\u308c\u308b\u3053\u3068\u3082\u3042\u308b\u3002.<\/p>\n\n\n\n<p><strong>\u6ce8\u610f\u3059\u3079\u304d\u4e00\u822c\u7684\u306a\u96a0\u308c\u305f\u30b3\u30b9\u30c8\uff1a<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>\u901a\u8ca8\u4ee5\u5916\u306e\u53d6\u5f15\u624b\u6570\u6599<\/strong> - \u591a\u304f\u306e\u5834\u5408\u3001\u201c\u5916\u56fd\u70ba\u66ff\u53d6\u5f15\u624b\u6570\u6599 \u201d\u3068\u306f\u5225\u306b\u8a18\u8f09\u3055\u308c\u3066\u3044\u308b\u3002\u201d<\/li>\n\n\n\n<li><strong>\u30af\u30ec\u30b8\u30c3\u30c8\u30ab\u30fc\u30c9\u306e\u30ad\u30e3\u30c3\u30b7\u30f3\u30b0\u624b\u6570\u6599<\/strong> - \u591a\u304f\u306e\u30af\u30ec\u30b8\u30c3\u30c8\u30ab\u30fc\u30c9\u306fATM\u3067\u306e\u5f15\u304d\u51fa\u3057\u3092\u30ad\u30e3\u30c3\u30b7\u30f3\u30b0\u3068\u3057\u3066\u6271\u3044\u3001\u521d\u65e5\u304b\u30893%-5%\u306e\u524d\u6255\u3044\u3068\u5229\u606f\u3092\u8acb\u6c42\u3059\u308b\u3002<\/li>\n\n\n\n<li><strong>\u73fe\u5730ATM\u624b\u6570\u6599<\/strong> - \u6b27\u5dde\u3067\u306f1\u56de\u306e\u5f15\u304d\u51fa\u3057\u306b\u3064\u304d\u901a\u5e382\uff5e6\u30e6\u30fc\u30ed\u3001\u7c73\u56fd\u3067\u306f$3\uff5e$7\u30e6\u30fc\u30ed<\/li>\n\n\n\n<li><strong>\u30c0\u30a4\u30ca\u30df\u30c3\u30af\u30fb\u30ab\u30ec\u30f3\u30b7\u30fc\u30fb\u30b3\u30f3\u30d0\u30fc\u30b8\u30e7\u30f3\uff08DCC\uff09\u306b\u3088\u308b\u70ba\u66ff\u30ec\u30fc\u30c8\u306e\u60aa\u5316<\/strong> - \u81ea\u56fd\u901a\u8ca8\u3078\u306e\u4e21\u66ff\u3092\u81ea\u52d5\u7cbe\u7b97\u6a5f\u307e\u305f\u306f\u81ea\u52d5\u7cbe\u7b97\u6a5f\u3067\u884c\u3046\u5834\u5408<\/li>\n\n\n\n<li><strong>\u9031\u672b\u3068\u5e02\u5834\u5916\u30ec\u30fc\u30c8\u306e\u30de\u30fc\u30af\u30a2\u30c3\u30d7<\/strong> - FX\u5e02\u5834\u304c\u30af\u30ed\u30fc\u30ba\u3057\u3066\u3044\u308b\u5834\u5408\u3001\u591a\u304f\u306e\u30a2\u30d7\u30ea\u306f0.5%\uff5e1.5%\u3092\u8ffd\u52a0\u3059\u308b<\/li>\n<\/ul>\n\n\n\n<p>\u65c5\u884c\u524d\u306b\u3001\u30ab\u30fc\u30c9\u3084\u30a2\u30d7\u30ea\u306e\u6599\u91d1\u30da\u30fc\u30b8\u3092\u30c1\u30a7\u30c3\u30af\u3059\u308b\uff082025\u5e74\u7248\u306b\u66f4\u65b0\u3055\u308c\u3066\u3044\u308b\u3053\u3068\u3092\u78ba\u8a8d\u3059\u308b\uff09\u3002\u5177\u4f53\u7684\u306b\u306f<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>\u201c\u300c\u30b9\u30bf\u30fc\u30ea\u30f3\u30b0\u4ee5\u5916\u306e\u53d6\u5f15\u624b\u6570\u6599\u201d<\/li>\n\n\n\n<li>\u201c\u73fe\u91d1\u5f15\u304d\u51fa\u3057\u624b\u6570\u6599 \u201d\u307e\u305f\u306f \u201c\u6d77\u5916ATM\u624b\u6570\u6599\u201d<\/li>\n\n\n\n<li>\u201c\u300c\u6d77\u5916\u3067\u306eATM\u5229\u7528\u300d\u7528\u8a9e<\/li>\n\n\n\n<li>\u9031\u672b\u306e\u30de\u30fc\u30af\u30a2\u30c3\u30d7\u30dd\u30ea\u30b7\u30fc<\/li>\n<\/ul>\n\n\n\n<p>\u3053\u306e\u8a18\u4e8b\u306e\u5f8c\u534a\u306b\u3042\u308bATM\u306e\u5c02\u9580\u30bb\u30af\u30b7\u30e7\u30f3\u3067\u306f\u3001\u6a5f\u68b0\u81ea\u4f53\u3067\u3053\u308c\u3089\u306e\u624b\u6570\u6599\u3092\u56de\u907f\u3059\u308b\u305f\u3081\u306e\u5177\u4f53\u7684\u306a\u6226\u7565\u306b\u3064\u3044\u3066\u8aac\u660e\u3059\u308b\u3002.<\/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>\u6d77\u5916\u3067\u306e\u30ab\u30fc\u30c9\u6c7a\u6e08\u3067\u6d77\u5916\u53d6\u5f15\u624b\u6570\u6599\u3092\u56de\u907f\u3059\u308b\u65b9\u6cd5<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>\u6700\u3082\u7c21\u5358\u306b\u7bc0\u7d04\u3067\u304d\u308b\u306e\u306f\u3001\u30ec\u30b9\u30c8\u30e9\u30f3\u3001\u30db\u30c6\u30eb\u3001\u30b7\u30e7\u30c3\u30d7\u306a\u3069\u306e\u30ab\u30fc\u30c9\u6c7a\u6e08\u3067\u3001\u9069\u5207\u306a\u30a2\u30d7\u30ea\u3068\u3044\u304f\u3064\u304b\u306e\u826f\u3044\u7fd2\u6163\u304c\u3042\u308c\u3070\u30010% FX\u3092\u9054\u6210\u3067\u304d\u308b\u3053\u3068\u304c\u591a\u3044\u3002.<\/p>\n\n\n\n<p><strong>\u3067\u30a2\u30d7\u30ea\u304b\u30ab\u30fc\u30c9\u3092\u9078\u3076\uff1a<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>01TP4\u8cfc\u5165\u6642\u306e\u6d77\u5916\u53d6\u5f15\u624b\u6570\u6599<\/li>\n\n\n\n<li>\u5916\u56fd\u70ba\u66ff\u76f8\u5834\u304c\u5e02\u5834\u4ef2\u5024\u307e\u305f\u306f\u305d\u308c\u306b\u8fd1\u3044\u6c34\u6e96\u306b\u3042\u308b\u3053\u3068<\/li>\n\n\n\n<li>\u9031\u672b\u306e\u30de\u30fc\u30af\u30a2\u30c3\u30d7\u304c\u306a\u3044\u3001\u307e\u305f\u306f\u4f4e\u3044\uff08\u7406\u60f3\u7684\u306b\u306f\u9031\u534a\u3070\u306f0%\u3001\u9031\u672b\u306f0.5%\u4ee5\u4e0b\uff09<\/li>\n\n\n\n<li>\u30d3\u30b6\u307e\u305f\u306f\u30de\u30b9\u30bf\u30fc\u30ab\u30fc\u30c9 <a href=\"https:\/\/blog.lebara.co.uk\/ja\/how-to-find-out-what-network-youre-on\/\">\u30cd\u30c3\u30c8\u30ef\u30fc\u30af<\/a> \u4e16\u754c\u3067\u53d7\u3051\u5165\u308c\u3089\u308c\u308b\u305f\u3081\u306b<\/li>\n<\/ul>\n\n\n\n<p><strong>\u5730\u57df\u5225\u306e\u304a\u3059\u3059\u3081\u30aa\u30d7\u30b7\u30e7\u30f3<\/strong><\/p>\n\n\n\n<figure class=\"wp-block-table\"><table class=\"has-fixed-layout\"><tbody><tr><th>\u5730\u57df<\/th><th>\u30d9\u30b9\u30c8\u30fb\u30aa\u30d7\u30b7\u30e7\u30f3<\/th><\/tr><tr><td><strong>\u30a4\u30ae\u30ea\u30b9\/EU<\/strong><\/td><td>Wise\u3001Revolut\u3001Monzo\u3001Starling\u3001N26\u3001Curve<\/td><\/tr><tr><td><strong>\u7c73\u56fd<\/strong><\/td><td>Wise\u3001Revolut\uff08\u5229\u7528\u53ef\u80fd\u306a\u5834\u5408\uff09\u3001\u30ce\u30f3FX\u5c02\u7528\u30af\u30ec\u30b8\u30c3\u30c8\u30ab\u30fc\u30c9<\/td><\/tr><tr><td><strong>\u30aa\u30fc\u30b9\u30c8\u30e9\u30ea\u30a2\/\u30cb\u30e5\u30fc\u30b8\u30fc\u30e9\u30f3\u30c9<\/strong><\/td><td>\u30ef\u30a4\u30ba\u3001\u30ea\u30dc\u30eb\u30c8\u3001ING\u30aa\u30ec\u30f3\u30b8\u30fb\u30a8\u30d6\u30ea\u30c7\u30a4\u3001\u30de\u30c3\u30b3\u30fc\u30ea\u30fc\u30fb\u30c8\u30e9\u30f3\u30b6\u30af\u30b7\u30e7\u30f3\u30fb\u30a2\u30ab\u30a6\u30f3\u30c8<\/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>\u5e38\u306b\u73fe\u5730\u901a\u8ca8\u3067\u652f\u6255\u3046<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>\u3053\u308c\u306f\u6d77\u5916\u3067\u306e\u652f\u51fa\u306b\u304a\u3044\u3066\u6700\u3082\u91cd\u8981\u306a\u30eb\u30fc\u30eb\u3067\u3042\u308b\u3002\u30ab\u30fc\u30c9\u6a5f\u3084ATM\u3067\u3001\u81ea\u56fd\u901a\u8ca8\u3067\u652f\u6255\u3046\u304b\u73fe\u5730\u901a\u8ca8\u3067\u652f\u6255\u3046\u304b\u3092\u5c0b\u306d\u3089\u308c\u305f\u3089\u3001\u81ea\u56fd\u901a\u8ca8\u3067\u652f\u6255\u3046\u3001, <strong>\u5e38\u306b\u73fe\u5730\u901a\u8ca8\u3092\u9078\u3076<\/strong>.<\/p>\n\n\n\n<p>\u30c0\u30a4\u30ca\u30df\u30c3\u30af\u30fb\u30ab\u30ec\u30f3\u30b7\u30fc\u30fb\u30b3\u30f3\u30d0\u30fc\u30b8\u30e7\u30f3\uff08Dynamic Currency Conversion\uff09 DCC\u3068\u306f\u3001\u52a0\u76df\u5e97\u3084ATM\u304c\u300c\u4fbf\u5229\u3060\u304b\u3089\u300d\u3068\u3001\u8cfc\u5165\u3057\u305f\u5546\u54c1\u3092\u81ea\u56fd\u901a\u8ca8\u306b\u4e21\u66ff\u3057\u3066\u304f\u308c\u308b\u30b5\u30fc\u30d3\u30b9\u3067\u3042\u308b\u3002\u5b9f\u969b\u306e\u3068\u3053\u308d\u3001\u5f7c\u3089\u306f\u72ec\u81ea\u306e\u3072\u3069\u3044\u70ba\u66ff\u30ec\u30fc\u30c8\u3092\u9069\u7528\u3059\u308b\u3002\u3053\u306e\u8ffd\u52a0\u30b3\u30b9\u30c8\u306f\u305d\u306e\u307e\u307e\u52a0\u76df\u5e97\u3084ATM\u306e\u904b\u55b6\u8005\u306b\u652f\u6255\u308f\u308c\u307e\u3059\u3002.<\/p>\n\n\n\n<blockquote class=\"wp-block-quote is-layout-flow wp-block-quote-is-layout-flow\">\n<p>\u753b\u9762\u306b \u201cPay in GBP? \u201d\u307e\u305f\u306f \u201cConvert to USD? \u201d\u3068\u8868\u793a\u3055\u308c\u308b\u305f\u3073\u306b\u3001\u305d\u308c\u3092\u62d2\u5426\u3057\u3066\u304f\u3060\u3055\u3044\u3002\u4ee3\u308f\u308a\u306b\u305d\u306e\u56fd\u306e\u901a\u8ca8\u3092\u9078\u3093\u3067\u304f\u3060\u3055\u3044\u3002.<\/p>\n<\/blockquote>\n\n\n\n<p>\u9280\u884c\u30a2\u30d7\u30ea\u306e\u5373\u6642\u901a\u77e5\u3092\u30aa\u30f3\u306b\u3057\u3066\u304a\u3051\u3070\u3001\u73fe\u5730\u3067\u306e\u91d1\u984d\u3001\u63db\u7b97\u91d1\u984d\u3001\u4e88\u671f\u305b\u306c\u8ffd\u52a0\u624b\u6570\u6599\u3092\u3059\u3050\u306b\u78ba\u8a8d\u3067\u304d\u307e\u3059\u3002.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Weekend_Exchange_Rate_Markups_Explained\"><\/span>\u9031\u672b\u306e\u70ba\u66ff\u30de\u30fc\u30af\u30a2\u30c3\u30d7\u306b\u3064\u3044\u3066<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>FX\u5e02\u5834\u306f\u91d1\u66dc\u65e5\u306e\u591c\u9045\u304f\u306b\u9589\u307e\u308a\u3001\u65e5\u66dc\u65e5\uff08\u30ed\u30f3\u30c9\u30f3\u6642\u9593\uff09\u306e\u6df1\u591c\u307e\u3067\u518d\u958b\u3055\u308c\u306a\u3044\u3002\u3053\u306e\u671f\u9593\u4e2d\u3001\u591a\u304f\u306e\u9280\u884c\u3084\u30a2\u30d7\u30ea\u306f\u6f5c\u5728\u7684\u306a\u70ba\u66ff\u5909\u52d5\u3092\u30ab\u30d0\u30fc\u3059\u308b\u305f\u3081\u3001\u30ec\u30fc\u30c8\u306b\u4e00\u6642\u7684\u306a\u30af\u30c3\u30b7\u30e7\u30f3\u3092\u8ffd\u52a0\u3057\u3001\u305d\u306e\u30af\u30c3\u30b7\u30e7\u30f3\u5206\u3092\u652f\u6255\u3046\u3053\u3068\u306b\u306a\u308b\u3002.<\/p>\n\n\n\n<p><strong>2025\u5e74\u306e\u5178\u578b\u7684\u306a\u9031\u672b\u30de\u30fc\u30af\u30a2\u30c3\u30d7\uff1a<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>\u30ec\u30f4\u30a9\u30eb\u30fc\u30c8<\/strong> \u9031\u672b\u306f\u307b\u3068\u3093\u3069\u306e\u901a\u8ca8\u306b0.5%-1%\u306e\u8ffd\u52a0\u6599\u91d1<\/li>\n\n\n\n<li><strong>\u8ce2\u660e\u3060\uff1a<\/strong> \u4e00\u822c\u7684\u306b\u9031\u672b\u306e\u30de\u30fc\u30af\u30a2\u30c3\u30d7\u306f\u4f4e\u3044\u304c\u3001\u4e00\u90e8\u306e\u30da\u30a2\u306b\u306f\u307e\u3060\u9069\u7528\u3055\u308c\u308b<\/li>\n\n\n\n<li><strong>\u4f1d\u7d71\u7684\u306a\u9280\u884c<\/strong> \u591a\u304f\u306e\u5834\u5408\u3001\u3059\u3067\u306b\u5024\u4e0a\u3052\u3055\u308c\u305f\u300c\u89b3\u5149\u5ba2\u6599\u91d1\u300d\u30921\u9031\u9593\u56fa\u5b9a\u3067\u4f7f\u7528\u3059\u308b\u3002<\/li>\n<\/ul>\n\n\n\n<p><strong>\u4f8b<\/strong> Revolut\u3092\u4f7f\u3063\u3066\u571f\u66dc\u65e5\u306b500\u30dd\u30f3\u30c9\u3092EUR\u306b\u4e21\u66ff\u3057\u307e\u3059\u30021%\u306e\u9031\u672b\u30de\u30fc\u30af\u30a2\u30c3\u30d7\u3067\u3001\u706b\u66dc\u65e5\u306b\u63db\u91d1\u3057\u305f\u5834\u5408\u3088\u308a\u3082\u304a\u3088\u305d5\u30e6\u30fc\u30ed\u304b\u30896\u30e6\u30fc\u30ed\u5b89\u304f\u306a\u308a\u307e\u3059\u3002.<\/p>\n\n\n\n<p><strong>\u9031\u672b\u306e\u30b3\u30b9\u30c8\u3092\u6700\u5c0f\u9650\u306b\u6291\u3048\u308b\u6226\u7565<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>\u571f\u65e5\u306b\u51fa\u8cbb\u304c\u304b\u3055\u3080\u3053\u3068\u304c\u308f\u304b\u3063\u3066\u3044\u308b\u5834\u5408\u306f\u3001\u5e73\u65e5\u306b\u5c0f\u984d\u3092\u524d\u6255\u3044\u3059\u308b\u3002<\/li>\n\n\n\n<li>\u30ec\u30fc\u30c8\u30ea\u30b9\u30af\u3092\u7406\u89e3\u3057\u3066\u3044\u306a\u3044\u9650\u308a\u3001\u6295\u6a5f\u7684\u306a\u5927\u53e3\u30b3\u30f3\u30d0\u30fc\u30b8\u30e7\u30f3\u3092\u304b\u306a\u308a\u524d\u306b\u884c\u3046\u3053\u3068\u306f\u907f\u3051\u308b\u3002<\/li>\n\n\n\n<li>\u5927\u304d\u306a\u4ea4\u63db\u3092\u3059\u308b\u524d\u306b\u3001\u30a2\u30d7\u30ea\u306e\u7279\u5b9a\u306e\u9031\u672b\u30dd\u30ea\u30b7\u30fc\u3092\u78ba\u8a8d\u3059\u308b\u3002<\/li>\n<\/ul>\n\n\n\n<p>Curve\u306e\u3088\u3046\u306a\u4e00\u90e8\u306e\u30c7\u30b8\u30bf\u30eb\u30fb\u30a6\u30a9\u30ec\u30c3\u30c8\u306f\u3001\u9031\u672b\u306eFX\u624b\u6570\u6599\u3092\u8ffd\u52a0\u3059\u308b\u3053\u3068\u306a\u304f\u3001\u9280\u884c\u306e\u30ec\u30fc\u30c8\u3092\u901a\u904e\u3055\u305b\u308b\u300c\u30e1\u30bf\u30fb\u30ab\u30fc\u30c9\u300d\u3068\u3057\u3066\u6a5f\u80fd\u3057\u307e\u3059\u3002.<\/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>2025\u5e74\u3001\u6d77\u5916\u3067\u304a\u91d1\u3092\u5909\u63db\u3057\u3066\u4f7f\u3046\u305f\u3081\u306e\u30d9\u30b9\u30c8\u30a2\u30d7\u30ea<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>\u3053\u306e\u30bb\u30af\u30b7\u30e7\u30f3\u3067\u306f\u3001FX\u30b3\u30b9\u30c8\u3001ATM\u30eb\u30fc\u30eb\u3001\u65e5\u5e38\u7684\u306a\u65c5\u884c\u8005\u306e\u305f\u3081\u306e\u4f7f\u3044\u3084\u3059\u3055\u306b\u7126\u70b9\u3092\u5f53\u3066\u3066\u3001\u4e3b\u8981\u306a\u30c8\u30e9\u30d9\u30eb\u30de\u30cd\u30fc\u30a2\u30d7\u30ea\u306e\u5b9f\u7528\u7684\u306a\u6bd4\u8f03\u3092\u63d0\u4f9b\u3057\u307e\u3059\u3002.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Wise\"><\/span>\u30ef\u30a4\u30ba<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>\u30ef\u30a4\u30ba\uff08\u65e7\u30c8\u30e9\u30f3\u30b9\u30d5\u30a1\u30fc\u30ef\u30a4\u30ba\uff09\u306f\u3001\u900f\u660e\u6027\u306e\u9ad8\u3044\u4fa1\u683c\u8a2d\u5b9a\u3068\u5b9f\u969b\u306e\u70ba\u66ff\u30ec\u30fc\u30c8\u3067\u8a55\u5224\u3092\u9ad8\u3081\u307e\u3057\u305f\u3002\u3053\u306e\u30a2\u30d7\u30ea\u3067\u306f\u3001Google\u3084XE\u3067\u8868\u793a\u3055\u308c\u308b\u30ec\u30fc\u30c8\u3068\u540c\u3058\u4e2d\u9593\u306e\u30ec\u30fc\u30c8\u304c\u4f7f\u7528\u3055\u308c\u3001\u5c11\u984d\u306e\u624b\u6570\u6599\u304c\u4e0a\u4e57\u305b\u3055\u308c\u307e\u3059\u3002.<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>FX\u3060\uff1a<\/strong> \u4e2d\u9593\u5e02\u5834\u30ec\u30fc\u30c8\u3001\u96a0\u308c\u305f\u30de\u30fc\u30af\u30a2\u30c3\u30d7\u306a\u3057<\/li>\n\n\n\n<li><strong>\u6d77\u5916\u3067\u306e\u30ab\u30fc\u30c9\u6c7a\u6e08\uff1a<\/strong> 0%\u6d77\u5916\u53d6\u5f15\u624b\u6570\u6599<\/li>\n\n\n\n<li><strong>ATM\u3067\u306e\u5f15\u304d\u51fa\u3057\uff1a<\/strong> \u6bce\u67082\u56de\u3001\u00a3200\uff08\u307e\u305f\u306f\u540c\u7b49\u984d\uff09\u307e\u3067\u7121\u6599\u3067\u5f15\u304d\u51fa\u3057\u53ef\u80fd\u3001\u305d\u306e\u5f8c\u306f\u624b\u6570\u65991.75%<\/li>\n\n\n\n<li><strong>\u9031\u672b\u306e\u65b9\u91dd<\/strong> \u4e00\u90e8\u306e\u901a\u8ca8\u30da\u30a2\u3067\u306f\u82e5\u5e72\u306e\u30de\u30fc\u30af\u30a2\u30c3\u30d7\u304c\u3042\u308b\u304c\u3001\u4e00\u822c\u7684\u306b\u7af6\u5408\u4ed6\u793e\u3088\u308a\u4f4e\u3044<\/li>\n<\/ul>\n\n\n\n<p>\u30ef\u30a4\u30ba\u306f\u7279\u306b <a href=\"https:\/\/blog.lebara.co.uk\/ja\/how-to-cut-the-cost-of-international-calls-on-a-mobile-phone\/\">\u56fd\u969b<\/a> \u9001\u91d1-40\u4ee5\u4e0a\u306e\u901a\u8ca8\u3067\u6b8b\u9ad8\u3092\u4fdd\u6301\u3057\u3001\u6570\u30ab\u56fd\u3067\u73fe\u5730\u306e\u3088\u3046\u306b\u304a\u91d1\u3092\u53d7\u3051\u53d6\u308b\u3053\u3068\u304c\u3067\u304d\u307e\u3059\u3002Wise\u30ab\u30fc\u30c9\u306fMastercard\u304c\u4f7f\u3048\u308b\u3068\u3053\u308d\u306a\u3089\u3069\u3053\u3067\u3082\u4f7f\u3048\u307e\u3059\u3002.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Revolut\"><\/span>\u30ec\u30f4\u30a9\u30eb\u30c3\u30c8<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>\u30ec\u30dc\u30ea\u30e5\u30fc\u30c8\u306f\u81ea\u3089\u3092\u3001\u4e16\u754c\u30676,000\u4e07\u4eba\u4ee5\u4e0a\u306e\u9867\u5ba2\u3092\u6301\u3064\u91d1\u878d\u300c\u30b9\u30fc\u30d1\u30fc\u30a2\u30d7\u30ea\u300d\u3068\u4f4d\u7f6e\u3065\u3051\u3066\u3044\u308b\u3002\u4e21\u66ff\u3060\u3051\u3067\u306a\u304f\u3001\u4e88\u7b97\u7ba1\u7406\u30c4\u30fc\u30eb\u3001\u8acb\u6c42\u66f8\u5206\u5272\u3001\u8caf\u84c4\u4fdd\u7ba1\u5eab\u3001\u6697\u53f7\u53d6\u5f15\u307e\u3067\u63d0\u4f9b\u3057\u3066\u3044\u308b\u3002.<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>FX\u3060\uff1a<\/strong> \u5e73\u65e5\u306f\u30a4\u30f3\u30bf\u30fc\u30d0\u30f3\u30af\u30fb\u30ec\u30fc\u30c8\u3001\u9031\u672b\u306f0.5%-1%\u30de\u30fc\u30af\u30a2\u30c3\u30d7<\/li>\n\n\n\n<li><strong>\u6d77\u5916\u3067\u306e\u30ab\u30fc\u30c9\u6c7a\u6e08\uff1a<\/strong> \u6708\u984d\u4e0a\u9650\uff08\u73fe\u5728\uff5e1,000\u30dd\u30f3\u30c9\uff09\u307e\u3067\u306f\u7121\u6599\u30c6\u30a3\u30a2\u30670%\u3001\u305d\u306e\u5f8c\u306f0.5%<\/li>\n\n\n\n<li><strong>ATM\u3067\u306e\u5f15\u304d\u51fa\u3057\uff1a<\/strong> \u7121\u6599\u30d7\u30e9\u30f3\u3067\u6708200\u30dd\u30f3\u30c9\u307e\u3067\u7121\u6599\u3001\u305d\u306e\u5f8c2%\u306e\u6599\u91d1<\/li>\n\n\n\n<li><strong>\u516c\u6b63\u306a\u4f7f\u7528\uff1a<\/strong> \u4e0a\u4f4d\u30d7\u30e9\u30f3\u306e\u7121\u6599\u8a31\u5bb9\u91cf\u306f\u3088\u308a\u5927\u304d\u3044<\/li>\n<\/ul>\n\n\n\n<p>\u30ec\u30dc\u30ea\u30e5\u30fc\u30c8\u306f\u3001\u5373\u6642\u306e\u652f\u51fa\u5206\u6790\u306a\u3069\u306e\u6a5f\u80fd\u306b\u3088\u308a\u3001\u8ca1\u52d9\u3092\u3088\u308a\u7ba1\u7406\u3057\u305f\u3044\u65c5\u884c\u8005\u306b\u9069\u3057\u3066\u3044\u308b\u3002\u305f\u3060\u3001\u9031\u672b\u306e\u30de\u30fc\u30af\u30a2\u30c3\u30d7\u3068\u7121\u6599\u5c64\u306e\u6708\u9593\u9650\u5ea6\u984d\u306b\u306f\u6ce8\u610f\u304c\u5fc5\u8981\u3060\u3002.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Monzo_UK\"><\/span>Monzo\uff08\u82f1\u56fd\uff09<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>Monzo\u306f\u82f1\u56fd\u3092\u62e0\u70b9\u3068\u3059\u308b\u30c7\u30b8\u30bf\u30eb\u9280\u884c\u3067\u3001\u7279\u5fb4\u7684\u306a\u30b5\u30f3\u30b4\u306e\u30ab\u30fc\u30c9\u3068\u30b7\u30f3\u30d7\u30eb\u3055\u3067\u5b9a\u8a55\u304c\u3042\u308b\u3002\u7279\u306b\u82e5\u3044\u65c5\u884c\u8005\u306b\u4eba\u6c17\u304c\u3042\u308b\u3002.<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>FX\u3060\uff1a<\/strong> \u8ffd\u52a0\u30de\u30fc\u30af\u30a2\u30c3\u30d7\u306a\u3057\u306eMastercard\u70ba\u66ff\u30ec\u30fc\u30c8<\/li>\n\n\n\n<li><strong>\u6d77\u5916\u3067\u306e\u30ab\u30fc\u30c9\u6c7a\u6e08\uff1a<\/strong> 0%\u6d77\u5916\u53d6\u5f15\u624b\u6570\u6599<\/li>\n\n\n\n<li><strong>ATM\u3067\u306e\u5f15\u304d\u51fa\u3057\uff1a<\/strong> \u6d77\u5916\u306730\u65e5\u3054\u3068\u306b\u6700\u9ad8\u00a3400\u307e\u3067\u7121\u6599\u3001\u305d\u306e\u5f8c3%<\/li>\n\n\n\n<li><strong>\u9031\u672b\u306e\u65b9\u91dd<\/strong> \u9031\u672b\u306e\u30de\u30fc\u30af\u30a2\u30c3\u30d7\u306a\u3057<\/li>\n<\/ul>\n\n\n\n<p>\u30ab\u30fc\u30c9\u6c7a\u6e08\u306b\u624b\u6570\u6599\u304c\u304b\u304b\u3089\u305a\u3001\u30ea\u30fc\u30ba\u30ca\u30d6\u30eb\u306bATM\u3092\u5229\u7528\u3057\u305f\u3044\u82f1\u56fd\u4eba\u65c5\u884c\u8005\u306b\u3068\u3063\u3066\u3001Monzo\u306f\u4fbf\u5229\u306a\u9078\u629e\u80a2\u3060\u3002.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Starling_UK\"><\/span>\u30b9\u30bf\u30fc\u30ea\u30f3\u30b0\uff08\u82f1\u56fd\uff09<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>\u30b9\u30bf\u30fc\u30ea\u30f3\u30b0\u3082\u307e\u305f\u3001\u7d14\u7c8b\u306b\u624b\u6570\u6599\u7121\u6599\u306e\u6d77\u5916\u5229\u7528\u3092\u63d0\u4f9b\u3059\u308b\u82f1\u56fd\u306e\u30c7\u30b8\u30bf\u30eb\u30d0\u30f3\u30af\u3067\u3042\u308b\u3002Monzo\u306e\u4e3b\u306a\u30e9\u30a4\u30d0\u30eb\u3068\u898b\u306a\u3055\u308c\u308b\u3053\u3068\u3082\u591a\u3044\u3002.<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>FX\u3060\uff1a<\/strong> Mastercard\u306e\u70ba\u66ff\u30ec\u30fc\u30c8\u3001\u30de\u30fc\u30af\u30a2\u30c3\u30d7\u306a\u3057<\/li>\n\n\n\n<li><strong>\u6d77\u5916\u3067\u306e\u30ab\u30fc\u30c9\u6c7a\u6e08\uff1a<\/strong> 0%\u6d77\u5916\u53d6\u5f15\u624b\u6570\u6599<\/li>\n\n\n\n<li><strong>ATM\u3067\u306e\u5f15\u304d\u51fa\u3057\uff1a<\/strong> Starling\u306e\u51fa\u91d1\u624b\u6570\u6599\u304c\u7121\u6599\uff08\u73fe\u5730\u30aa\u30da\u30ec\u30fc\u30bf\u30fc\u306e\u624b\u6570\u6599\u304c\u304b\u304b\u308b\u5834\u5408\u304c\u3042\u308a\u307e\u3059\u3002\uff09<\/li>\n\n\n\n<li><strong>\u9031\u672b\u306e\u65b9\u91dd<\/strong> \u9031\u672b\u306e\u30de\u30fc\u30af\u30a2\u30c3\u30d7\u306a\u3057<\/li>\n<\/ul>\n\n\n\n<p><strong>\u4f8b<\/strong> \u30b9\u30da\u30a4\u30f3\u306e\u30ec\u30b9\u30c8\u30e9\u30f3\u3067100\u30e6\u30fc\u30ed\u3092Starling\u3067\u652f\u6255\u3046\u3068\u3001Mastercard\u306e\u70ba\u66ff\u30ec\u30fc\u30c8\u3068\u540c\u984d\u306e\u30dd\u30f3\u30c9\uff08\u73fe\u5728\u7d0486\u30dd\u30f3\u30c9\uff09\u304c\u304b\u304b\u308b\u30022.99%\u3092\u30c1\u30e3\u30fc\u30b8\u3059\u308b\u4e00\u822c\u7684\u306a\u82f1\u56fd\u306e\u30c7\u30d3\u30c3\u30c8\u30ab\u30fc\u30c9\u3067\u540c\u3058\u652f\u6255\u3044\u3092\u3059\u308b\u3068\u3001\u304a\u3088\u305d88.50\u30dd\u30f3\u30c9\u304b\u304b\u308b\u3002\u3053\u308c\u306f1\u56de\u306e\u98df\u4e8b\u30672.50\u30dd\u30f3\u30c9\u306e\u7bc0\u7d04\u306b\u306a\u308b\u3002.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Curve\"><\/span>\u30ab\u30fc\u30d6<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>\u65e2\u5b58\u306e\u30c7\u30d3\u30c3\u30c8\u30ab\u30fc\u30c9\u3084\u30af\u30ec\u30b8\u30c3\u30c8\u30ab\u30fc\u30c9\u306e\u4e0a\u306b\u7f6e\u304f\u300c\u30e1\u30bf\u30ab\u30fc\u30c9\u300d\u3067\u3059\u3002\u65e2\u5b58\u306e\u30ab\u30fc\u30c9\u3092Curve\u30a2\u30d7\u30ea\u306b\u30ea\u30f3\u30af\u3055\u305b\u3001\u6d77\u5916\u3067Curve\u30ab\u30fc\u30c9\u3092\u4f7f\u3046\u3002\u72ec\u81ea\u306e\u70ba\u66ff\u30ec\u30fc\u30c8\u304c\u9069\u7528\u3055\u308c <a href=\"https:\/\/blog.lebara.co.uk\/ja\/6-reasons-to-switch-to-lebara-in-2023\/\">\u30b9\u30a4\u30c3\u30c1<\/a> \u53d6\u5f15\u5f8c\u3067\u3042\u3063\u3066\u3082\u3001\u57fa\u790e\u3068\u306a\u308b\u30ab\u30fc\u30c9\u306b\u8ab2\u91d1\u3055\u308c\u308b\u3002.<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>FX\u3060\uff1a<\/strong> \u30a4\u30f3\u30bf\u30fc\u30d0\u30f3\u30af\u30fb\u30ec\u30fc\u30c8\u306f\u7121\u6599\u30c6\u30a3\u30a2\u3067\u6708500\u30dd\u30f3\u30c9\u307e\u3067\u3001\u305d\u306e\u5f8c\u306f2%<\/li>\n\n\n\n<li><strong>\u6d77\u5916\u3067\u306e\u30ab\u30fc\u30c9\u6c7a\u6e08\uff1a<\/strong> \u30ab\u30fc\u30c9\u306e\u30ec\u30fc\u30c8\u3067\u306f\u306a\u304f\u3001\u30ab\u30fc\u30d6\u306e\u30ec\u30fc\u30c8\u3092\u4f7f\u7528\u3002<\/li>\n\n\n\n<li><strong>ATM\u3067\u306e\u5f15\u304d\u51fa\u3057\uff1a<\/strong> \u6708200\u30dd\u30f3\u30c9\u307e\u3067\u7121\u6599\u3001\u305d\u306e\u5f8c2%<\/li>\n\n\n\n<li><strong>\u9031\u672b\u306e\u65b9\u91dd<\/strong> \u8ffd\u52a0\u30de\u30fc\u30af\u30a2\u30c3\u30d7\u306a\u3057\uff08\u5e73\u65e5\u306e\u6210\u7d04\u30ec\u30fc\u30c8\u3092\u4f7f\u7528\uff09<\/li>\n<\/ul>\n\n\n\n<p>Curve\u306f\u3001\u6d77\u5916\u3067\u306eFX\u30ec\u30fc\u30c8\u306e\u60aa\u3055\u3092\u907f\u3051\u306a\u304c\u3089\u3001\u305d\u306e\u30ab\u30fc\u30c9\u306e\u7279\u5178\u3092\u7372\u5f97\u3059\u308b\u306e\u306b\u4fbf\u5229\u3060\u3002.<\/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\u306fEU\u5168\u57df\u3067\u5229\u7528\u53ef\u80fd\u306a\u30c9\u30a4\u30c4\u306e\u30c7\u30b8\u30bf\u30eb\u30d0\u30f3\u30af\u3067\u3042\u308b\u3002\u30e6\u30fc\u30ed\u570f\u306b\u4f4f\u3080\u30e8\u30fc\u30ed\u30c3\u30d1\u4eba\u3084\u99d0\u5728\u54e1\u306e\u9593\u3067\u7279\u306b\u4eba\u6c17\u304c\u3042\u308b\u3002.<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>FX\u3060\uff1a<\/strong> \u8ffd\u52a0\u30de\u30fc\u30af\u30a2\u30c3\u30d7\u306a\u3057\u306eMastercard\u30ec\u30fc\u30c8<\/li>\n\n\n\n<li><strong>\u6d77\u5916\u3067\u306e\u30ab\u30fc\u30c9\u6c7a\u6e08\uff1a<\/strong> \u30e6\u30fc\u30ed\u570f\u5185\u3067\u306f0%\u3001\u56fd\u5916\u3067\u306fSmart\/You\u30d7\u30e9\u30f3\u30670%\u3001\u7121\u6599\u30d7\u30e9\u30f3\u30671.7%<\/li>\n\n\n\n<li><strong>ATM\u3067\u306e\u5f15\u304d\u51fa\u3057\uff1a<\/strong> \u30e6\u30fc\u30ed\u570f\u5185\uff08\u7121\u6599\u30c6\u30a3\u30a2\uff09\u3067\u306f\u67083\u30c9\u30eb\u7121\u6599\u3001\u56fd\u5916\u3067\u306f\u7570\u306a\u308b<\/li>\n\n\n\n<li><strong>\u9031\u672b\u306e\u65b9\u91dd<\/strong> \u9031\u672b\u306e\u30de\u30fc\u30af\u30a2\u30c3\u30d7\u306a\u3057<\/li>\n<\/ul>\n\n\n\n<p>EU\u3092\u62e0\u70b9\u3068\u3059\u308b\u65c5\u884c\u8005\u306b\u3068\u3063\u3066\u3001N26\u306f\u5927\u9678\u5168\u57df\u3067\u5f93\u6765\u306e\u9280\u884c\u3088\u308a\u3082\u4f4e\u3044\u624b\u6570\u6599\u3092\u63d0\u4f9b\u3057\u3066\u3044\u308b\u3002.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Chase_UK\"><\/span>\u30c1\u30a7\u30a4\u30b9\u30fbUK<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>\u30c1\u30a7\u30fc\u30b9\u306f2021\u5e74\u306b\u82f1\u56fd\u3067\u30b5\u30fc\u30d3\u30b9\u3092\u958b\u59cb\u3057\u30011%\u306e\u30ad\u30e3\u30c3\u30b7\u30e5\u30d0\u30c3\u30af\u3068\u6d77\u5916\u5229\u7528\u624b\u6570\u6599\u7121\u6599\u3068\u3044\u3046\u7d44\u307f\u5408\u308f\u305b\u3067\u77ac\u304f\u9593\u306b\u4eba\u6c17\u3092\u535a\u3057\u305f\u3002.<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>FX\u3060\uff1a<\/strong> Mastercard\u30ec\u30fc\u30c8\u3001\u8ffd\u52a0\u30de\u30fc\u30af\u30a2\u30c3\u30d7\u306a\u3057<\/li>\n\n\n\n<li><strong>\u6d77\u5916\u3067\u306e\u30ab\u30fc\u30c9\u6c7a\u6e08\uff1a<\/strong> 0%\u6d77\u5916\u53d6\u5f15\u624b\u6570\u6599<\/li>\n\n\n\n<li><strong>ATM\u3067\u306e\u5f15\u304d\u51fa\u3057\uff1a<\/strong> \u30c1\u30a7\u30a4\u30b9\u30fb\u30d5\u30a3\u30fc\u7121\u6599\uff08\u73fe\u5730\u30aa\u30da\u30ec\u30fc\u30bf\u30fc\u30fb\u30d5\u30a3\u30fc\u304c\u304b\u304b\u308b\u5834\u5408\u304c\u3042\u308b\uff09<\/li>\n\n\n\n<li><strong>\u30ad\u30e3\u30c3\u30b7\u30e5\u30d0\u30c3\u30af<\/strong> \u6700\u521d\u306e12\u30f6\u6708\u9593\u306e\u5168\u652f\u51fa\u306b\u5bfe\u3057\u30661%<\/li>\n<\/ul>\n\n\n\n<p>\u82f1\u56fd\u5c45\u4f4f\u8005\u5411\u3051\u306b\u306f\u3001\u30ad\u30e3\u30c3\u30b7\u30e5\u30d0\u30c3\u30af\u3068\u6d77\u5916\u5229\u7528\u624b\u6570\u6599\u7121\u6599\u3068\u3044\u3046\u73cd\u3057\u3044\u7d44\u307f\u5408\u308f\u305b\u3092\u63d0\u4f9b\u3057\u3066\u304a\u308a\u3001\u65e5\u5e38\u7684\u306a\u30d0\u30f3\u30ad\u30f3\u30b0\u3068\u65c5\u884c\u306e\u4e21\u65b9\u306b\u6700\u9069\u3067\u3042\u308b\u3002.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"How_to_Choose\"><\/span>\u9078\u3073\u65b9<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>\u624b\u6570\u6599\u7121\u6599\u306e\u30ab\u30fc\u30c9\u6c7a\u6e08\u3092\u512a\u5148\u3059\u308b\u304b\uff1f<\/strong> Monzo\u3001Starling\u3001\u307e\u305f\u306fChase UK<\/li>\n\n\n\n<li><strong>\u5f37\u529b\u306aATM\u624b\u5f53\u304c\u5fc5\u8981\u3067\u3059\u304b\uff1f<\/strong> \u30ef\u30a4\u30ba\u307e\u305f\u306f\u30b9\u30bf\u30fc\u30ea\u30f3\u30b0<\/li>\n\n\n\n<li><strong>\u591a\u901a\u8ca8\u4fdd\u6709\u3068\u9001\u91d1\u3092\u3054\u5e0c\u671b\u3067\u3059\u304b\uff1f<\/strong> \u30ef\u30a4\u30ba\u307e\u305f\u306f\u30ea\u30dc\u30eb\u30c8<\/li>\n\n\n\n<li><strong>EU\u306b\u62e0\u70b9\u3092\u7f6e\u304f\uff1f<\/strong> N26\u307e\u305f\u306fRevolut<\/li>\n\n\n\n<li><strong>\u65e2\u5b58\u306e\u30ab\u30fc\u30c9\u306b\u91cd\u306d\u305f\u3044\uff1f<\/strong> \u30ab\u30fc\u30d6<\/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>\u6d77\u5916\u3067\u306e\u73fe\u91d1\u81ea\u52d5\u9810\u3051\u6255\u3044\u6a5f\uff08ATM\uff09\u624b\u6570\u6599\u3092\u56de\u907f\u3059\u308b\u65b9\u6cd5<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>ATM\u306f\u591a\u304f\u306e\u65c5\u884c\u8005\u304c\u6255\u3044\u904e\u304e\u3092\u3059\u308b\u5834\u6240\u3067\u3042\u308b\u3002\u9280\u884c\u306e\u624b\u6570\u6599\u3001ATM\u306e\u30b5\u30fc\u30c1\u30e3\u30fc\u30b8\u3001DCC\u304c\u7d44\u307f\u5408\u308f\u3055\u308b\u3068\u3001\u5358\u7d14\u306a\u73fe\u91d1\u5f15\u304d\u51fa\u3057\u304c\u9ad8\u984d\u306a\u30df\u30b9\u306b\u306a\u308a\u304b\u306d\u306a\u3044\u3002\u30b9\u30de\u30fc\u30c8\u30ab\u30fc\u30c9\u3068\u3061\u3087\u3063\u3068\u3057\u305f\u30eb\u30fc\u30eb\u3067\u3001\u3053\u308c\u3089\u306e\u30b3\u30b9\u30c8\u3092\u5287\u7684\u306b\u524a\u6e1b\u3059\u308b\u3053\u3068\u304c\u3067\u304d\u308b\u3002.<\/p>\n\n\n\n<p><strong>\u3088\u304f\u3042\u308bATM\u624b\u6570\u6599<\/strong><\/p>\n\n\n\n<figure class=\"wp-block-table\"><table class=\"has-fixed-layout\"><tbody><tr><th>\u6599\u91d1\u30bf\u30a4\u30d7<\/th><th>\u4e00\u822c\u7684\u306a\u91d1\u984d<\/th><th>\u8ab0\u304c\u8acb\u6c42\u3059\u308b\u306e\u304b<\/th><\/tr><tr><td>\u9280\u884c\uff0f\u30a2\u30d7\u30ea\u306e\u5f15\u304d\u51fa\u3057\u624b\u6570\u6599<\/td><td>0%\uff5e3%\u307e\u305f\u306f\u4e00\u5f8b\u6599\u91d1<\/td><td>\u30ab\u30fc\u30c9\u4f1a\u793e<\/td><\/tr><tr><td>\u73fe\u5730ATM\u30aa\u30da\u30ec\u30fc\u30bf\u30fc\u624b\u6570\u6599<\/td><td>2\uff5e6\u30e6\u30fc\u30ed\uff0f$3\uff5e$7<\/td><td>ATM\u306e\u6240\u6709\u8005<\/td><\/tr><tr><td>FX\u30de\u30fc\u30af\u30a2\u30c3\u30d7<\/td><td>1%-3%<\/td><td>\u30ab\u30fc\u30c9\u4f1a\u793e<\/td><\/tr><tr><td>\u30c0\u30a4\u30ca\u30df\u30c3\u30af\u306a\u901a\u8ca8\u5909\u63db<\/td><td>5%-8%<\/td><td>ATM\u30aa\u30da\u30ec\u30fc\u30bf\u30fc<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p><strong>ATM\u30b3\u30b9\u30c8\u3092\u6700\u5c0f\u9650\u306b\u6291\u3048\u308b\u65b9\u6cd5<\/strong><\/p>\n\n\n\n<ol class=\"wp-block-list\">\n<li><strong>ATM\u624b\u6570\u6599\u7121\u6599\u306e\u30ab\u30fc\u30c9\u3092\u5229\u7528\u3059\u308b<\/strong> - Wise\u3001Revolut\u3001Monzo\u3001Starling\u3001N26\u306f\u3059\u3079\u3066\u3001\u6d77\u5916\u3067\u306e\u7121\u6599\u5f15\u304d\u51fa\u3057\u306e\u6708\u9593\u9650\u5ea6\u984d\u3092\u63d0\u4f9b\u3057\u3066\u3044\u308b\u3002<\/li>\n\n\n\n<li><strong>\u4e3b\u8981\u9280\u884c\u306eATM\u3092\u9078\u3076<\/strong> - \u30e6\u30fc\u30ed\u30cd\u30c3\u30c8\u3001\u30c8\u30e9\u30d9\u30ec\u30c3\u30af\u30b9\u3001\u30ab\u30fc\u30c9\u30c8\u30ed\u30cb\u30af\u30b9\u306e\u3088\u3046\u306a\u72ec\u7acb\u7cfbATM\u306f\u907f\u3051\u308b\u3053\u3068\u3002\u3053\u308c\u3089\u306eATM\u306f\u624b\u6570\u6599\u304c\u9ad8\u304f\u3001DCC\u3092\u7a4d\u6975\u7684\u306b\u52e7\u3081\u3066\u304f\u308b\u3053\u3068\u304c\u591a\u3044\u3002\u9280\u884c\u306e\u652f\u5e97\u5185\u306b\u8a2d\u7f6e\u3055\u308c\u3066\u3044\u308b\u9280\u884c\u30d6\u30e9\u30f3\u30c9\u306e\u6a5f\u68b0\u306f\u3001\u4e00\u822c\u7684\u306b\u624b\u6570\u6599\u304c\u5b89\u3044\u304b\u7121\u6599\u3067\u3042\u308b\u3002<\/li>\n\n\n\n<li><strong>\u5e38\u306b\u73fe\u5730\u901a\u8ca8\u3092\u9078\u629e\u3059\u308b<\/strong> - \u753b\u9762\u306b \u201cGBP\u3067\u51fa\u91d1\u3057\u307e\u3059\u304b\uff1f\u201d\u307e\u305f\u306f \u201c\u81ea\u56fd\u901a\u8ca8\u306b\u5909\u63db\u3057\u307e\u3059\u304b\uff1f\u201d\u3068\u5c0b\u306d\u3089\u308c\u305f\u3089\u3001\u62d2\u5426\u3059\u308b\u3002\u3053\u308c\u3067DCC\u30de\u30fc\u30af\u30a2\u30c3\u30d7\u3092\u5b8c\u5168\u306b\u56de\u907f\u3067\u304d\u307e\u3059\u3002<\/li>\n\n\n\n<li><strong>\u591a\u984d\u3092\u5f15\u304d\u51fa\u3059\u983b\u5ea6\u3092\u6e1b\u3089\u3059<\/strong> - 1\u56de\u306e\u5f15\u304d\u51fa\u3057\u306b\u3064\u304d3\u30e6\u30fc\u30ed\u306e\u56fa\u5b9a\u624b\u6570\u6599\u304c\u9069\u7528\u3055\u308c\u308b\u5834\u5408\u3001100\u30e6\u30fc\u30ed\u30923\u56de\u5f15\u304d\u51fa\u3059\u3088\u308a\u3001300\u30e6\u30fc\u30ed\u30921\u56de\u5f15\u304d\u51fa\u3059\u65b9\u304c\u3088\u3044\u3002\u5b89\u5168\u6027\u3068\u4e88\u7b97\u3068\u306e\u30d0\u30e9\u30f3\u30b9<\/li>\n<\/ol>\n\n\n\n<p>\u4e00\u90e8\u306e\u76ee\u7684\u5730\uff08\u30bf\u30a4\u3001\u30a2\u30e1\u30ea\u30ab\u306e\u4e00\u90e8\u3001\u5357\u7c73\uff09\u3067\u306f\u3001ATM\u306e\u30b5\u30fc\u30c1\u30e3\u30fc\u30b8\u306f\u307b\u3068\u3093\u3069\u907f\u3051\u3089\u308c\u306a\u3044\u3002\u73fe\u5730\u306e\u81ea\u52d5\u7cbe\u7b97\u6a5f\u3067\u306f\u3001\u30ab\u30fc\u30c9\u306b\u95a2\u4fc2\u306a\u304f200\uff5e250\u30d0\u30fc\u30c4\uff08\u7d045\uff5e6\u30dd\u30f3\u30c9\uff09\u307e\u305f\u306f$3\uff5e5\u3092\u8acb\u6c42\u3055\u308c\u308b\u306e\u304c\u4e00\u822c\u7684\u3060\u3002\u624b\u6570\u6599\u306e\u5b89\u3044\u30c8\u30e9\u30d9\u30eb\u30fb\u30ab\u30fc\u30c9\u3092\u4f7f\u3046\u3053\u3068\u3067\u3001\u4f59\u5206\u306a\u9280\u884c\u624b\u6570\u6599\u3084DCC\u624b\u6570\u6599\u306e\u4e0a\u4e57\u305b\u3092\u907f\u3051\u308b\u306e\u304c\u30d9\u30b9\u30c8\u3060\u3002.<\/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>2025\u5e74\u3001\u6d77\u5916ATM\u5229\u7528\u306e\u30d9\u30b9\u30c8\u30d7\u30e9\u30af\u30c6\u30a3\u30b9<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>\u3053\u3053\u3067\u306f\u3001\u65c5\u884c\u524d\u3068\u30de\u30b7\u30f3\u3067\u306e\u5b9f\u7528\u7684\u306a\u30c1\u30a7\u30c3\u30af\u30ea\u30b9\u30c8\u3092\u7d39\u4ecb\u3059\u308b\u3002.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Before_Departure\"><\/span>\u51fa\u767a\u524d<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>ATM\u306e\u9650\u5ea6\u984d\u3092\u78ba\u8a8d\u3059\u308b<\/strong> - \u5fc5\u8981\u3067\u3042\u308c\u3070\u3001\u30a2\u30d7\u30ea\u3092\u901a\u3058\u3066\u5f7c\u3089\u3092\u4e00\u6642\u7684\u306b\u80b2\u3066\u308b<\/li>\n\n\n\n<li><strong>\u5f37\u529b\u306a\u8a8d\u8a3c\u306e\u8a2d\u5b9a<\/strong> - \u751f\u4f53\u8a8d\u8a3c\u30ed\u30b0\u30a4\u30f3\u3001PIN\u4fdd\u8b77\u3001\u30e9\u30a4\u30d6\u652f\u51fa\u30a2\u30e9\u30fc\u30c8<\/li>\n\n\n\n<li><strong>\u5c11\u306a\u304f\u3068\u30822\u7a2e\u985e\u306e\u30ab\u30fc\u30c9\u3092\u6301\u3063\u3066\u3044\u304f<\/strong> - \u4f8b\u3048\u3070\u3001\u30ef\u30a4\u30ba\u3068\u3042\u306a\u305f\u306e\u30db\u30fc\u30e0\u30d0\u30f3\u30af\u53e3\u5ea7\u306e\u30c7\u30d3\u30c3\u30c8\u30ab\u30fc\u30c9\u3002 <a href=\"https:\/\/blog.lebara.co.uk\/ja\/lost-your-smartphone-heres-how-to-track-and-retrieve-it-safely\/\">\u30ed\u30b9\u30c8<\/a>, <a href=\"https:\/\/blog.lebara.co.uk\/ja\/what-to-do-if-your-phone-is-stolen\/\">\u6301\u3061\u9003\u3052<\/a>, \u307e\u305f\u306f\u30d6\u30ed\u30c3\u30af\u3055\u308c\u3066\u3044\u308b<\/li>\n\n\n\n<li><strong>\u30ab\u30fc\u30c9\u306e\u624b\u6570\u6599\u4f53\u7cfb\u3092\u77e5\u308b<\/strong> - ATM\u304b\u3089\u7121\u6599\u3067\u5f15\u304d\u51fa\u305b\u308b\u91d1\u984d\u3068\u3001\u5f15\u304d\u51fa\u3055\u308c\u305f\u5f8c\u306b\u304b\u304b\u308b\u624b\u6570\u6599\u3092\u78ba\u8a8d\u3059\u308b\u3002<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"At_the_ATM\"><\/span>ATM\u3067<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>\u4e3b\u8981\u9280\u884c\u306e\u652f\u5e97\u5185\u307e\u305f\u306f\u652f\u5e97\u306b\u4f75\u8a2d\u3055\u308c\u3066\u3044\u308b\u6a5f\u68b0\u3092\u9078\u3076<\/strong> \u53ef\u80fd\u306a\u9650\u308a\u5c31\u696d\u6642\u9593\u5185\u306b\u884c\u3046\u3002<\/li>\n\n\n\n<li><strong>\u753b\u9762\u4e0a\u306e\u81ea\u56fd\u901a\u8ca8\u3067\u306e\u8ab2\u91d1\u3092\u62d2\u5426\u3059\u308b<\/strong> - \u3053\u308c\u306fDCC\u3067\u3001\u5e38\u306b\u30b3\u30b9\u30c8\u304c\u304b\u304b\u308b<\/li>\n\n\n\n<li><strong>\u30b5\u30fc\u30c1\u30e3\u30fc\u30b8\u306e\u30e1\u30c3\u30bb\u30fc\u30b8\u3092\u6ce8\u610f\u6df1\u304f\u8aad\u3080<\/strong> - \u624b\u6570\u6599\u304c\u9ad8\u3059\u304e\u308b\u3088\u3046\u3067\u3042\u308c\u3070\u3001\u89e3\u7d04\u3057\u3066\u8fd1\u304f\u306e\u5225\u306eATM\u3092\u5229\u7528\u3059\u308b\u3002<\/li>\n\n\n\n<li><strong>\u6697\u8a3c\u756a\u53f7\u3092\u96a0\u3059<\/strong> - \u6b63\u898f\u306e\u6a5f\u68b0\u3067\u3082\u30ab\u30fc\u30c9\u30b9\u30ad\u30df\u30f3\u30b0\u306f\u5b58\u5728\u3059\u308b<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Budgeting_Your_Cash_Needs\"><\/span>\u5fc5\u8981\u306a\u73fe\u91d1\u306e\u4e88\u7b97\u3092\u7acb\u3066\u308b<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>\u5927\u307e\u304b\u306a\u8cc7\u91d1\u9700\u8981\u306e\u8a08\u753b<\/strong> \u7279\u306b\u3001\u65e5\u672c\u3001\u30d9\u30c8\u30ca\u30e0\u3001\u5357\u30e8\u30fc\u30ed\u30c3\u30d1\u306e\u4e00\u90e8\u306e\u3088\u3046\u306a\u73fe\u91d1\u306e\u591a\u3044\u56fd\u306e\u5834\u5408\u306f\u3001\u524d\u3082\u3063\u3066<\/li>\n\n\n\n<li><strong>\u9ad8\u984d\u306a\u652f\u6255\u3044\u306b\u306f\u30ab\u30fc\u30c9\u6c7a\u6e08\u3092\u597d\u3080<\/strong> \u304a\u6301\u3061\u306e\u30c8\u30e9\u30d9\u30eb\u30fb\u30ab\u30fc\u30c9\u304c0% FX\u3092\u63d0\u4f9b\u3057\u3066\u3044\u308b\u5834\u5408<\/li>\n\n\n\n<li><strong>\u5c0f\u984d\u306e\u7dca\u6025\u7528\u73fe\u91d1\u3092\u6301\u3063\u3066\u304a\u304f<\/strong> \u30d0\u30c3\u30af\u30a2\u30c3\u30d7\u3068\u3057\u3066\u4e3b\u8981\u901a\u8ca8\uff08USD\u307e\u305f\u306fEUR\uff09\u3092\u4f7f\u7528\u3057\u3066\u3044\u308b\u304c\u3001\u4e3b\u306b\u4f4e\u6599\u91d1\u306e\u30a2\u30d7\u30ea\u306b\u4f9d\u5b58\u3057\u3066\u3044\u308b\u3002<\/li>\n<\/ul>\n\n\n\n<p>\u4e0d\u5be9\u306a\u70b9\u304c\u3042\u308c\u3070\u3001\u30a2\u30d7\u30ea\u306e\u5373\u6642\u51cd\u7d50\uff0f\u51cd\u7d50\u89e3\u9664\u6a5f\u80fd\u3092\u5229\u7528\u3057\u3088\u3046\u3002\u6570\u56de\u30bf\u30c3\u30d7\u3059\u308b\u3060\u3051\u3067\u3001\u8abf\u67fb\u4e2d\u306b\u30ab\u30fc\u30c9\u3092\u5373\u5ea7\u306b\u30d6\u30ed\u30c3\u30af\u3067\u304d\u308b\u3002.<\/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>\u30c8\u30e9\u30d9\u30eb\u30a6\u30a9\u30ec\u30c3\u30c8\u3068\u30de\u30eb\u30c1\u30ab\u30ec\u30f3\u30b7\u30fc\u30ab\u30fc\u30c9\u306e\u6bd4\u8f03<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>\u201c\u300c\u30c8\u30e9\u30d9\u30eb\u30ab\u30fc\u30c9\u300d\u306f\u73fe\u5728\u3001\u30b7\u30f3\u30d7\u30eb\u306a\u30d7\u30ea\u30da\u30a4\u30c9\u30ab\u30fc\u30c9\u304b\u3089\u3001\u73fe\u5730\u306e\u9280\u884c\u53e3\u5ea7\u60c5\u5831\u3092\u5099\u3048\u305f\u5b8c\u5168\u306a\u30de\u30eb\u30c1\u30ab\u30ec\u30f3\u30b7\u30fc\u30fb\u30a6\u30a9\u30ec\u30c3\u30c8\u307e\u3067\u3001\u3055\u307e\u3056\u307e\u306a\u7a2e\u985e\u304c\u3042\u308b\u3002\u9055\u3044\u3092\u7406\u89e3\u3059\u308b\u3053\u3068\u3067\u3001\u9069\u5207\u306a\u30c4\u30fc\u30eb\u3092\u9078\u3076\u3053\u3068\u304c\u3067\u304d\u307e\u3059\u3002.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Main_Types\"><\/span>\u4e3b\u306a\u7a2e\u985e<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>\u30bf\u30a4\u30d7<\/th><th>\u4f8b<\/th><th>\u6700\u9069<\/th><\/tr><tr><td><strong>\u30de\u30eb\u30c1\u30ab\u30ec\u30f3\u30b7\u30fc\u30fb\u30c7\u30d3\u30c3\u30c8\u30ab\u30fc\u30c9<\/strong><\/td><td>\u30ef\u30a4\u30ba\u3001\u30ea\u30dc\u30eb\u30c8\u3001N26\u3001\u30e2\u30f3\u30be\u3001\u30b9\u30bf\u30fc\u30ea\u30f3\u30b0<\/td><td>\u67d4\u8edf\u306a\u652f\u51fa\u3068\u8907\u6570\u901a\u8ca8\u306e\u4fdd\u6709<\/td><\/tr><tr><td><strong>\u30d7\u30ea\u30da\u30a4\u30c9\u5f0f\u30c8\u30e9\u30d9\u30eb\u30ab\u30fc\u30c9<\/strong><\/td><td>\u30ad\u30e3\u30af\u30b9\u30c8\u30f3\u3001\u90f5\u4fbf\u5c40\u3001\u822a\u7a7a\u4f1a\u793e\/\u30b9\u30fc\u30d1\u30fc\u30de\u30fc\u30b1\u30c3\u30c8\u30ab\u30fc\u30c9<\/td><td>\u53b3\u683c\u306a\u4e88\u7b97\u7de8\u6210\u3001\u6599\u91d1\u306e\u56fa\u5b9a\u5316<\/td><\/tr><tr><td><strong>\u30c7\u30b8\u30bf\u30eb\u30a6\u30a9\u30ec\u30c3\u30c8\u306e\u30aa\u30fc\u30d0\u30fc\u30ec\u30a4<\/strong><\/td><td>\u30ab\u30fc\u30d6\u3001, <a href=\"https:\/\/blog.lebara.co.uk\/ja\/a-guide-to-the-top-iphones-for-business-and-pleasure\/\">\u30a2\u30c3\u30d7\u30eb<\/a> \u30b0\u30fc\u30b0\u30eb\u30da\u30a4<\/td><td>\u65e2\u5b58\u306e\u30ab\u30fc\u30c9\u306b\u91cd\u306d\u308b<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Multi-Currency_Wallets\"><\/span>\u30de\u30eb\u30c1\u30fb\u30ab\u30ec\u30f3\u30b7\u30fc\u30fb\u30a6\u30a9\u30ec\u30c3\u30c8<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>\u30e6\u30fc\u30ed\u3001\u7c73\u30c9\u30eb\u3001\u8c6a\u30c9\u30eb\u306a\u3069\u3001\u8907\u6570\u306e\u5916\u8ca8\u53e3\u5ea7\u306b\u6b8b\u9ad8\u3092\u6301\u3064\u3053\u3068\u304c\u3067\u304d\u308b\u3002\u30ec\u30fc\u30c8\u304c\u826f\u3055\u305d\u3046\u306a\u3068\u304d\u306b\u63db\u91d1\u3057\u3001\u5f8c\u3067\u305d\u306e\u6b8b\u9ad8\u304b\u3089\u4f7f\u3046\u3053\u3068\u304c\u3067\u304d\u308b\u3002.<\/p>\n\n\n\n<p><strong>\u5f37\u307f\u3060\uff1a<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>\u5e02\u5834\u4e2d\u4f4d\u307e\u305f\u306f\u5e02\u5834\u4e2d\u4f4d\u306b\u8fd1\u3044\u70ba\u66ff\u30ec\u30fc\u30c8<\/li>\n\n\n\n<li>\u30a2\u30d7\u30ea\u5185\u3067\u901a\u8ca8\u3092\u7c21\u5358\u306b\u5207\u308a\u66ff\u3048\u3089\u308c\u308b<\/li>\n\n\n\n<li>\u96fb\u4fe1\u9001\u91d1\u7528\u306e\u73fe\u5730\u9280\u884c\u53e3\u5ea7\u306e\u8a73\u7d30\u304c\u542b\u307e\u308c\u3066\u3044\u308b\u3053\u3068\u304c\u591a\u3044\u3002 <a href=\"https:\/\/blog.lebara.co.uk\/ja\/how-to-transfer-apps-to-a-new-phone\/\">\u8b72\u6e21<\/a> \u652f\u6255\u3044<\/li>\n\n\n\n<li>\u5f93\u6765\u306e\u9280\u884c\u3088\u308a\u3082\u4f4e\u3044\u6d77\u5916\u9001\u91d1\u624b\u6570\u6599<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Prepaid_Travel_Cards\"><\/span>\u30d7\u30ea\u30da\u30a4\u30c9\u30fb\u30c8\u30e9\u30d9\u30eb\u30ab\u30fc\u30c9<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>\u90f5\u4fbf\u5c40\u3084\u30b9\u30fc\u30d1\u30fc\u30de\u30fc\u30b1\u30c3\u30c8\u3001\u5c02\u9580\u696d\u8005\u306e\u30d7\u30ea\u30da\u30a4\u30c9\u30ab\u30fc\u30c9\u3092\u4f7f\u3048\u3070\u3001\u65c5\u884c\u524d\u306b\u304a\u91d1\u3092\u5165\u308c\u3066\u304a\u304f\u3053\u3068\u304c\u3067\u304d\u3001\u591a\u304f\u306e\u5834\u5408\u3001\u56fa\u5b9a\u30ec\u30fc\u30c8\u3067\u8cfc\u5165\u3067\u304d\u308b\u3002.<\/p>\n\n\n\n<p><strong>\u5f37\u307f\u3060\uff1a<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>\u53b3\u683c\u306a\u4e88\u7b97\u7ba1\u7406\u306b\u9069\u3057\u3066\u3044\u308b\u3002<\/li>\n\n\n\n<li>\u4e8b\u524d\u306b\u7a4d\u307f\u8fbc\u3080\u3068\u30ec\u30fc\u30c8\u304c\u4fdd\u8b77\u3055\u308c\u308b\u3082\u306e\u3082\u3042\u308b<\/li>\n\n\n\n<li>\u4fbf\u5229\u306a\u30d0\u30c3\u30af\u30a2\u30c3\u30d7\u30ab\u30fc\u30c9<\/li>\n<\/ul>\n\n\n\n<p><strong>\u5f31\u70b9\u304c\u3042\u308b\uff1a<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Wise\/Revolut\u3068\u6bd4\u8f03\u3057\u3066\u3001\u30ea\u30ed\u30fc\u30c9\u624b\u6570\u6599\u3001\u7121\u52b9\u624b\u6570\u6599\u3001\u307e\u305f\u306f\u70ba\u66ff\u30ec\u30fc\u30c8\u304c\u60aa\u3044\u5834\u5408\u304c\u3042\u308a\u307e\u3059\u3002<\/li>\n\n\n\n<li>\u30a2\u30d7\u30ea\u30d9\u30fc\u30b9\u306e\u4ee3\u66ff\u6848\u3088\u308a\u3082\u67d4\u8edf\u6027\u306b\u6b20\u3051\u308b<\/li>\n\n\n\n<li>\u30aa\u30f3\u30e9\u30a4\u30f3\u30b7\u30e7\u30c3\u30d4\u30f3\u30b0\u3068\u30c7\u30b8\u30bf\u30eb\u30a6\u30a9\u30ec\u30c3\u30c8\u306e\u7d71\u5408\u304c\u3057\u3070\u3057\u3070\u6b20\u3051\u3066\u3044\u308b<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Digital_Wallets\"><\/span>\u30c7\u30b8\u30bf\u30eb\u30a6\u30a9\u30ec\u30c3\u30c8<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>\u30a2\u30c3\u30d7\u30eb\u30da\u30a4\u3068\u30b0\u30fc\u30b0\u30eb\u30da\u30a4\u3092\u4f7f\u3048\u3070\u3001\u30b9\u30de\u30db\u3084\u6642\u8a08\u304b\u3089\u30ef\u30a4\u30ba\u30ab\u30fc\u30c9\u3001\u30ea\u30dc\u30ea\u30e5\u30fc\u30c8\u30ab\u30fc\u30c9\u3001\u9280\u884c\u30ab\u30fc\u30c9\u304c\u4f7f\u3048\u307e\u3059\u3002Curve\u304c\u4ef2\u4ecb\u5f79\u3068\u306a\u308a\u3001Curve\u30ab\u30fc\u30c9\uff08\u7269\u7406\u7684\u307e\u305f\u306fApple Pay\/Google Pay\u7d4c\u7531\uff09\u3092\u30bf\u30c3\u30d7\u3059\u308b\u3068\u3001Curve\u304c\u9078\u629e\u3057\u305f\u57fa\u790e\u3068\u306a\u308b\u30ab\u30fc\u30c9\u306b\u8acb\u6c42\u3057\u307e\u3059\u3002.<\/p>\n\n\n\n<p>2025\u5e74\u3001\u307b\u3068\u3093\u3069\u306e\u65c5\u884c\u8005\u306b\u3068\u3063\u3066\u30010%\u306eFX\u304c\u5229\u7528\u3067\u304d\u3001ATM\u3082\u7121\u6599\u3067\u5229\u7528\u3067\u304d\u308b\u30de\u30eb\u30c1\u30ab\u30ec\u30f3\u30b7\u30fc\u30c7\u30d3\u30c3\u30c8\u30ab\u30fc\u30c9\u3084\u30a2\u30d7\u30ea\u30d9\u30fc\u30b9\u306e\u9280\u884c\u304c\u3001\u6700\u3082\u67d4\u8edf\u3067\u8cbb\u7528\u5bfe\u52b9\u679c\u306e\u9ad8\u3044\u9078\u629e\u80a2\u3068\u306a\u308b\u3002\u30d7\u30ea\u30da\u30a4\u30c9\u30ab\u30fc\u30c9\u306f\u3001\u4f11\u65e5\u306e\u56fa\u5b9a\u4e88\u7b97\u3092\u3088\u308a\u7d30\u304b\u304f\u7ba1\u7406\u3057\u305f\u3044\u4eba\u306e\u30d0\u30c3\u30af\u30a2\u30c3\u30d7\u3068\u3057\u3066\u6a5f\u80fd\u3059\u308b\u3002.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Example_Setups_for_Different_Traveller_Types\"><\/span>\u30c8\u30e9\u30d9\u30e9\u30fc\u30bf\u30a4\u30d7\u5225\u306e\u30bb\u30c3\u30c8\u30a2\u30c3\u30d7\u4f8b<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>\u3053\u3053\u3067\u306f\u3001\u3055\u307e\u3056\u307e\u306a\u65c5\u884c\u30b7\u30fc\u30f3\u3067\u624b\u6570\u6599\u3092\u6700\u5c0f\u9650\u306b\u6291\u3048\u308b\u305f\u3081\u306b\u3001\u30a2\u30d7\u30ea\u3068\u30ab\u30fc\u30c9\u3092\u7d44\u307f\u5408\u308f\u305b\u308b\u65b9\u6cd5\u3092\u7d39\u4ecb\u3059\u308b\u3002.<\/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\u30b7\u30c6\u30a3\u30d6\u30ec\u30a4\u30af\u30fb\u30c8\u30e9\u30d9\u30e9\u30fc\uff1a\u30e8\u30fc\u30ed\u30c3\u30d14\u65e5\u9593<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p><strong>\u30bb\u30c3\u30c8\u30a2\u30c3\u30d7\u3060\uff1a<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>\u30e1\u30a4\u30f3\u30ab\u30fc\u30c9\uff1a<\/strong> \u65e5\u5e38\u7684\u306a\u304a\u652f\u6255\u3044\u306b\u306fMonzo\u307e\u305f\u306fStarling\u3092\uff080% FX\uff09<\/li>\n\n\n\n<li><strong>\u30d0\u30c3\u30af\u30a2\u30c3\u30d7<\/strong> \u7121\u6599\u9650\u5ea6\u984d\u307e\u3067ATM\u3067\u5f15\u304d\u51fa\u3057\u53ef\u80fd\u306a\u30ef\u30a4\u30ba\u30ab\u30fc\u30c9<\/li>\n\n\n\n<li><strong>\u7dca\u6025\u4e8b\u614b\u3060\uff1a<\/strong> \u30db\u30fc\u30e0\u30d0\u30f3\u30af\u306e\u30c7\u30d3\u30c3\u30c8\u30ab\u30fc\u30c9\u307e\u305f\u306f\u30af\u30ec\u30b8\u30c3\u30c8\u30ab\u30fc\u30c9\uff08\u30db\u30c6\u30eb\u306e\u91d1\u5eab\u306b\u4fdd\u7ba1\uff09<\/li>\n<\/ul>\n\n\n\n<p><strong>\u63a8\u5b9a\u8caf\u84c4\u984d\uff1a<\/strong> 2.99%\u306eFX\u624b\u6570\u6599\u3092\u8acb\u6c42\u3059\u308b\u4f1d\u7d71\u7684\u306a\u82f1\u56fd\u306e\u9280\u884c\u3067800\u30dd\u30f3\u30c9\u306e\u4f11\u65e5\u51fa\u8cbb\u3092\u3057\u305f\u5834\u5408\u3001\u304a\u3088\u305d24\u30dd\u30f3\u30c9\u306e\u624b\u6570\u6599\u3092\u652f\u6255\u3046\u3053\u3068\u306b\u306a\u308b\u3002Monzo\/Starling\u306e\u5834\u5408\u3001\u624b\u6570\u6599\u306f0\u30dd\u30f3\u30c9\u3067\u3001\u304a\u3044\u3057\u3044\u5915\u98df\u3092\u98df\u3079\u308b\u306e\u306b\u5341\u5206\u306a\u91d1\u984d\u3092\u7bc0\u7d04\u3067\u304d\u308b\u3002.<\/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>\u30c7\u30b8\u30bf\u30eb\u30fb\u30ce\u30de\u30c9\uff1a\u30e8\u30fc\u30ed\u30c3\u30d1\u3068\u30a2\u30b8\u30a2\u3067\u306e3\u30f6\u6708\u9593<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p><strong>\u30bb\u30c3\u30c8\u30a2\u30c3\u30d7\u3060\uff1a<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>\u30e1\u30a4\u30f3\u30a2\u30ab\u30a6\u30f3\u30c8<\/strong> Wise\u307e\u305f\u306fRevolut\u306b\u3088\u308b\u8907\u6570\u901a\u8ca8\u3067\u306e\u7d66\u4e0e\u53d7\u3051\u53d6\u308a\u3068\u8907\u6570\u901a\u8ca8\u30a6\u30a9\u30ec\u30c3\u30c8\u306e\u7ba1\u7406<\/li>\n\n\n\n<li><strong>\u30bb\u30ab\u30f3\u30c0\u30ea\u30fc\uff1a<\/strong> \u73fe\u5730\u306e\u9280\u884c\u53e3\u5ea7\u304c\u3042\u308b\u5834\u5408\uff08\u73fe\u5730\u3067\u306e\u5b9a\u671f\u7684\u306a\u652f\u6255\u3044\u306b\u4fbf\u5229\uff09<\/li>\n\n\n\n<li><strong>ATM\u6226\u7565\uff1a<\/strong> \u5f15\u304d\u51fa\u3057\u306e\u983b\u5ea6\u3092\u6e1b\u3089\u3057\u3001\u5927\u624b\u9280\u884c\u306e\u307f\u3092\u5229\u7528\u3057\u3001DCC\u306f\u5e38\u306b\u62d2\u5426\u3059\u308b\u3002<\/li>\n<\/ul>\n\n\n\n<p><strong>\u5e74\u9593\u63a8\u5b9a\u7bc0\u7d04\u984d\uff1a<\/strong> \u6a19\u6e96\u7684\u306a\u9280\u884c\u30ab\u30fc\u30c9\uff082.99% FX + ATM\u624b\u6570\u6599\uff09\u3067\u67082,000\u30dd\u30f3\u30c9\u3092\u6d77\u5916\u3067\u4f7f\u3046\u30ce\u30de\u30c9\u306f\u3001\u96a0\u308c\u305f\u624b\u6570\u6599\u3068\u3057\u3066\u5e74\u9593800\u30dd\u30f3\u30c9\u4ee5\u4e0a\u3092\u652f\u6255\u3046\u304b\u3082\u3057\u308c\u306a\u3044\u3002Wise\/Revolut\u3068\u30b9\u30de\u30fc\u30c8\u306aATM\u7fd2\u6163\u304c\u3042\u308c\u3070\u3001\u3053\u308c\u306f100\u30dd\u30f3\u30c9\u4ee5\u4e0b\u306b\u4e0b\u304c\u308b\u3002.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"US-Based_Parent_Supporting_a_Student_Abroad\"><\/span>\u7c73\u56fd\u5728\u4f4f\u306e\u89aa\uff1a\u6d77\u5916\u306b\u3044\u308b\u5b66\u751f\u3092\u30b5\u30dd\u30fc\u30c8\u3059\u308b<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p><strong>\u30bb\u30c3\u30c8\u30a2\u30c3\u30d7\u3060\uff1a<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>\u79fb\u7c4d\u65b9\u6cd5\uff1a<\/strong> \u7c73\u30c9\u30eb\u304b\u3089\u30e6\u30fc\u30ed\u307e\u305f\u306f\u82f1\u30dd\u30f3\u30c9\u3078\u306e\u9001\u91d1\u306b\u6700\u9069\uff08\u9280\u884c\u9001\u91d1\u3088\u308a\u3082\u304a\u5f97\u306a\u70ba\u66ff\u30ec\u30fc\u30c8\uff09<\/li>\n\n\n\n<li><strong>\u751f\u5f92\u304c\u53d7\u3051\u53d6\u308b\uff1a<\/strong> Wise\u307e\u305f\u306fRevolut\u3092\u4f7f\u7528\u3057\u305f\u30de\u30eb\u30c1\u30ab\u30ec\u30f3\u30b7\u30fc\u30a6\u30a9\u30ec\u30c3\u30c8<\/li>\n\n\n\n<li><strong>\u5b66\u751f\u304c\u4f7f\u3046\uff1a<\/strong> \u6d77\u5916\u30670% FX\u3068\u63d0\u643a\u3057\u305f\u30c7\u30d3\u30c3\u30c8\u30ab\u30fc\u30c9\u307e\u305f\u306f\u30af\u30ec\u30b8\u30c3\u30c8\u30ab\u30fc\u30c9\u3092\u4f7f\u7528\u3057\u3001ATM\u3067\u306e\u5f15\u304d\u51fa\u3057\u9650\u5ea6\u984d\u3092\u7ba1\u7406\u3059\u308b\u3002<\/li>\n<\/ul>\n\n\n\n<p><strong>\u63a8\u5b9a\u8caf\u84c4\u984d\uff1a<\/strong> FX\u30ec\u30fc\u30c8\u304c\u60aa\u3044\u5f93\u6765\u306e\u9280\u884c\u9001\u91d1\u3067\u6bce\u6708$500\u9001\u91d1\u3059\u308b\u3068\u3001\u624b\u6570\u6599\u3092\u5408\u308f\u305b\u3066\u6bce\u6708$30-40\u304b\u304b\u308b\u304b\u3082\u3057\u308c\u307e\u305b\u3093\u3002\u30ef\u30a4\u30ba\u306f\u901a\u5e38\u3001\u540c\u3058\u9001\u91d1\u306b$5-10\u3092\u8acb\u6c42\u3057\u307e\u3059\u306e\u3067\u3001\u5e74\u9593$200-300\u306e\u7bc0\u7d04\u306b\u306a\u308a\u307e\u3059\u3002.<\/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>\u8ce2\u3044\u6d77\u5916\u652f\u51fa\u3068\u30ad\u30e3\u30c3\u30b7\u30e5\u30fb\u30a2\u30af\u30bb\u30b9\u306e\u305f\u3081\u306e\u6700\u5f8c\u306e\u30d2\u30f3\u30c8<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>3\u3064\u306e\u91cd\u8981\u306a\u30ec\u30d0\u30fc\u304c\u6d77\u5916\u30b3\u30b9\u30c8\u3092\u30b3\u30f3\u30c8\u30ed\u30fc\u30eb\u3059\u308b\uff1a<\/p>\n\n\n\n<ol class=\"wp-block-list\">\n<li><strong>\u9069\u5207\u306a\u30a2\u30d7\u30ea\u3092\u9078\u3076<\/strong> - 0%\u5916\u56fd\u70ba\u66ff\u53d6\u5f15\u624b\u6570\u6599\u3001\u4e2d\u9014\u5e02\u5834\u30ec\u30fc\u30c8\u3001\u7121\u6599ATM\u8a31\u5bb9\u984d<\/li>\n\n\n\n<li><strong>\u5e38\u306b\u73fe\u5730\u901a\u8ca8\u3067\u652f\u6255\u3046<\/strong> - ATM\u3084\u30ab\u30fc\u30c9\u6a5f\u3067DCC\u3092\u53d7\u3051\u53d6\u3089\u306a\u3044<\/li>\n\n\n\n<li><strong>\u60aa\u8cea\u306a\u6a5f\u68b0\u3068\u306eATM\u306e\u3084\u308a\u3068\u308a\u3092\u6700\u5c0f\u9650\u306b\u6291\u3048\u308b<\/strong> - \u72ec\u7acb\u7cfb\u306f\u907f\u3051\u3001\u9280\u884c\u306e\u652f\u5e97\u306b\u3053\u3060\u308f\u308b<\/li>\n<\/ol>\n\n\n\n<p>\u6d77\u5916\u65c5\u884c\u306e\u524d\u306b\u306f\u3001\u5fc5\u305a\u30d7\u30ed\u30d0\u30a4\u30c0\u30fc\u306e2025\u5e74\u5ea6\u6599\u91d1\u8868\u3092\u30c1\u30a7\u30c3\u30af\u3057\u307e\u3057\u3087\u3046\u3002FX\u624b\u6570\u6599\u3001\u7121\u6599ATM\u9650\u5ea6\u984d\u3001\u9031\u672b\u306e\u30de\u30fc\u30af\u30a2\u30c3\u30d7\u306f\u3001\u6bce\u5e74\u3001\u307e\u305f\u306f\u30d7\u30e9\u30f3\u306e\u30e9\u30f3\u30af\u306b\u3088\u3063\u3066\u5909\u308f\u308b\u3053\u3068\u304c\u3042\u308a\u307e\u3059\u3002\u6628\u5e74\u3046\u307e\u304f\u3044\u3063\u305f\u3053\u3068\u304c\u4eca\u5e74\u3082\u540c\u3058\u3068\u306f\u9650\u308a\u307e\u305b\u3093\u3002.<\/p>\n\n\n\n<p>\u65c5\u884c\u524d\u306b\u5c11\u984d\u306e\u53d6\u5f15\u3092\u300c\u30c6\u30b9\u30c8\u300d\u3059\u308b\u3002\u4f8b\u3048\u3070\u3001\u5916\u8ca8\u3067\u30aa\u30f3\u30e9\u30a4\u30f3\u30b7\u30e7\u30c3\u30d4\u30f3\u30b0\u3092\u8cfc\u5165\u3057\u3001\u30a2\u30d7\u30ea\u306e\u660e\u7d30\u66f8\u306b\u3069\u306e\u3088\u3046\u306b\u624b\u6570\u6599\u304c\u8868\u793a\u3055\u308c\u308b\u304b\u3092\u78ba\u8a8d\u3059\u308b\u3002\u30ed\u30fc\u30de\u306e\u30ec\u30b9\u30c8\u30e9\u30f3\u3067\u624b\u6570\u6599\u3092\u652f\u6255\u3046\u3088\u308a\u3082\u3001\u5bb6\u3067\u304f\u3064\u308d\u3044\u3067\u3044\u308b\u3068\u304d\u306b\u624b\u6570\u6599\u3092\u8acb\u6c42\u3055\u308c\u308b\u65b9\u304c\u3088\u3044\u3067\u3057\u3087\u3046\u3002.<\/p>\n\n\n\n<p>\u591a\u304f\u306e\u56fd\u306b\u3068\u3063\u3066\u6700\u3082\u5f37\u56fa\u306a\u30bb\u30c3\u30c8\u30a2\u30c3\u30d7\u304c\u7d44\u307f\u5408\u308f\u3055\u308c\u3066\u3044\u308b\uff1a<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>\u822a\u7a7a\u5238\u3084\u30db\u30c6\u30eb\u306a\u3069\u306e\u9ad8\u984d\u5546\u54c1\u3092\u8cfc\u5165\u3059\u308b\u969b\u306b\u4fbf\u5229\u306a\u624b\u6570\u6599\u7121\u6599\u306e\u30af\u30ec\u30b8\u30c3\u30c8\u30ab\u30fc\u30c9\u3002<\/li>\n\n\n\n<li>\u65e5\u5e38\u7684\u306a\u652f\u51fa\u3068\u73fe\u91d1\u306e\u305f\u3081\u306e\u4f4e\u624b\u6570\u6599\u306e\u30de\u30eb\u30c1\u30ab\u30ec\u30f3\u30b7\u30fc\u30fb\u30c7\u30d3\u30c3\u30c8\u30ab\u30fc\u30c9<\/li>\n<\/ul>\n\n\n\n<p>\u6570\u5206\u306e\u30d7\u30e9\u30f3\u30cb\u30f3\u30b0\u3067\u3001\u5178\u578b\u7684\u306a1\u9031\u9593\u306e\u4f11\u6687\u309250\uff5e200\u30dd\u30f3\u30c9\u7bc0\u7d04\u3067\u304d\u308b\u3002\u983b\u7e41\u306b\u65c5\u884c\u3059\u308b\u4eba\u3084\u30c7\u30b8\u30bf\u30eb\u30ce\u30de\u30c9\u306b\u3068\u3063\u3066\u306f\u3001\u5e74\u9593\u6570\u767e\u30dd\u30f3\u30c9\u304b\u3089\u6570\u5343\u30dd\u30f3\u30c9\u306e\u7bc0\u7d04\u306b\u306a\u308b\u3002.<\/p>\n\n\n\n<p>\u30a2\u30d7\u30ea\u306f\u5b58\u5728\u3059\u308b\u3002\u7af6\u4e89\u529b\u306e\u3042\u308b\u91d1\u5229\u30aa\u30d7\u30b7\u30e7\u30f3\u3082\u3042\u308b\u3002\u552f\u4e00\u306e\u554f\u984c\u306f\u3001\u7bc0\u7d04\u3057\u305f\u304a\u91d1\u3092\u4f53\u9a13\u306b\u4f7f\u3046\u304b\u3001\u305d\u308c\u3068\u3082\u3088\u304f\u3042\u308b\u843d\u3068\u3057\u7a74\u3084\u63db\u91d1\u624b\u6570\u6599\u3067\u9280\u884c\u306b\u6e21\u3059\u304b\u3060\u3002.<\/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 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. This guide breaks down exactly how to avoid foreign transaction fees, sidestep expensive ATM charges, and get the best possible exchange rate&#8230;<\/p>\n<div><a class=\"read-more button-link\" href=\"https:\/\/blog.lebara.co.uk\/ja\/best-apps-for-money-conversions-payments-abroad\/\">\u7d9a\u304d\u3092\u8aad\u3080<\/a><\/div>","protected":false},"author":10,"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\/ja\/wp-json\/wp\/v2\/posts\/3699","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/blog.lebara.co.uk\/ja\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/blog.lebara.co.uk\/ja\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/blog.lebara.co.uk\/ja\/wp-json\/wp\/v2\/users\/10"}],"replies":[{"embeddable":true,"href":"https:\/\/blog.lebara.co.uk\/ja\/wp-json\/wp\/v2\/comments?post=3699"}],"version-history":[{"count":1,"href":"https:\/\/blog.lebara.co.uk\/ja\/wp-json\/wp\/v2\/posts\/3699\/revisions"}],"predecessor-version":[{"id":3709,"href":"https:\/\/blog.lebara.co.uk\/ja\/wp-json\/wp\/v2\/posts\/3699\/revisions\/3709"}],"wp:attachment":[{"href":"https:\/\/blog.lebara.co.uk\/ja\/wp-json\/wp\/v2\/media?parent=3699"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/blog.lebara.co.uk\/ja\/wp-json\/wp\/v2\/categories?post=3699"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/blog.lebara.co.uk\/ja\/wp-json\/wp\/v2\/tags?post=3699"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}