{"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\/ko\/best-apps-for-money-conversions-payments-abroad\/","title":{"rendered":"\ud574\uc678 \ud658\uc804 \ubc0f \uacb0\uc81c\ub97c \uc704\ud55c \ucd5c\uace0\uc758 \uc571"},"content":{"rendered":"<p>\uc5ec\ud589 <a href=\"https:\/\/blog.lebara.co.uk\/ko\/using-data-abroad-what-you-need-to-know\/\">\ud574\uc678<\/a> \ud734\uac00\ub97c \ubcf4\ub294 \uac83\uc774 \uc544\ub2c8\ub77c \uc0c8\ub85c\uc6b4 \uacbd\ud5d8\uc5d0 \ucd08\uc810\uc744 \ub9de\ucdb0\uc57c \ud569\ub2c8\ub2e4. <a href=\"https:\/\/blog.lebara.co.uk\/ko\/the-top-five-budget-smartphones-in-the-uk\/\">\uc608\uc0b0<\/a> \uc740\ud589 \uc218\uc218\ub8cc\uc640 \ub0ae\uc740 \ud658\uc728\ub85c \uc0ac\ub77c\uc9d1\ub2c8\ub2e4. \ud558\uc9c0\ub9cc \uae30\uc874 \uc740\ud589\uc744 \uc774\uc6a9\ud558\ub294 \uc218\ubc31\ub9cc \uba85\uc758 \uc5ec\ud589\uc790\uc5d0\uac8c\ub294 \uc790\uc2e0\ub3c4 \ubaa8\ub974\ub294 \uc0ac\uc774\uc5d0 \ubc14\ub85c \uc774\ub7f0 \uc77c\uc774 \ubc8c\uc5b4\uc9c0\uace0 \uc788\uc2b5\ub2c8\ub2e4.<\/p>\n\n\n\n<p>\uc88b\uc740 \uc18c\uc2dd\uc740? 2025\ub144\uc5d0\ub294 \uba87 \uac00\uc9c0 \uc2a4\ub9c8\ud2b8\ud55c \uc571\uc73c\ub85c \ud574\uc678 \uc9c0\ucd9c \ube44\uc6a9\uc744 \uac70\uc758 \uc81c\ub85c\uc5d0 \uac00\uae5d\uac8c \uc904\uc77c \uc218 \uc788\uc2b5\ub2c8\ub2e4. \ubc14\ub974\uc140\ub85c\ub098\uc5d0\uc11c \uc8fc\ub9d0\uc744 \ubcf4\ub0b4\uac70\ub098 \ubc1c\ub9ac\uc640 \ubc29\ucf55\uc744 \uc624\uac00\uba70 3\uac1c\uc6d4\uac04 \ud574\uc678\uc5ec\ud589\uc744 \ub5a0\ub0a0 \ub54c \uc801\ud569\ud55c \ub2e4\uc911 \ud1b5\ud654 \uc9c0\uac11\uc774\ub098 \uc5ec\ud589\uc790 \ud654\ud3d0 \uc571\uc744 \uc120\ud0dd\ud558\ub294 \uac83\uc774 \ud070 \ucc28\uc774\ub97c \ub9cc\ub4e4\uc5b4\ub0c5\ub2c8\ub2e4.<\/p>\n\n\n\n<p>\uc774 \uac00\uc774\ub4dc\uc5d0\uc11c\ub294 \ud574\uc678 \uac70\ub798 \uc218\uc218\ub8cc\ub97c \ud53c\ud558\uace0, \ube44\uc2fc ATM \uc218\uc218\ub8cc\ub97c \ud53c\ud558\uace0, \ud574\uc678\uc5d0\uc11c \uad6c\ub9e4\ud560 \ub54c\ub9c8\ub2e4 \ucd5c\uc801\uc758 \ud658\uc728\uc744 \uc801\uc6a9\ubc1b\ub294 \ubc29\ubc95\uc744 \uc790\uc138\ud788 \uc124\uba85\ud569\ub2c8\ub2e4. \uc8fc\uc694 \uc571\uc744 \ube44\uad50\ud558\uace0, \ub300\ubd80\ubd84\uc758 \uc5ec\ud589\uc790\ub97c \ub2f9\ud669\ud558\uac8c \ud558\ub294 \uc228\uaca8\uc9c4 \uc218\uc218\ub8cc\uc5d0 \ub300\ud574 \uc124\uba85\ud558\uba70, \ub2e4\uc591\ud55c \uc5ec\ud589 \uc2a4\ud0c0\uc77c\uc5d0 \ub9de\ub294 \uc2e4\uc6a9\uc801\uc778 \uc124\uc815 \ubc29\ubc95\uc744 \uc54c\ub824\ub4dc\ub9bd\ub2c8\ub2e4.<\/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\">\ubaa9\ucc28<\/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=\"\ubaa9\ucc28 \ud1a0\uae00\"><span class=\"ez-toc-js-icon-con\"><span class=\"\"><span class=\"eztoc-hide\" style=\"display:none;\">\ud1a0\uae00<\/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\/ko\/best-apps-for-money-conversions-payments-abroad\/#Quick_Answer_Best_Apps_to_Use_in_2025\" >\ube60\ub978 \ub2f5\ubcc0: 2025\ub144\uc5d0 \uc0ac\uc6a9\ud560 \ucd5c\uace0\uc758 \uc571<\/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\/ko\/best-apps-for-money-conversions-payments-abroad\/#What_Are_Foreign_Transaction_Fees_%E2%80%93_And_How_Much_Do_They_Cost_in_2025\" >\ud574\uc678 \uac70\ub798 \uc218\uc218\ub8cc\ub780 \ubb34\uc5c7\uc774\uba70 2025\ub144 \uc218\uc218\ub8cc\ub294 \uc5bc\ub9c8\uc778\uac00\uc694?<\/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\/ko\/best-apps-for-money-conversions-payments-abroad\/#Hidden_Charges_When_Paying_and_Withdrawing_Abroad\" >\ud574\uc678\uc5d0\uc11c \uacb0\uc81c \ubc0f \uc778\ucd9c \uc2dc \uc228\uaca8\uc9c4 \uc218\uc218\ub8cc \uc548\ub0b4<\/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\/ko\/best-apps-for-money-conversions-payments-abroad\/#How_to_Avoid_Foreign_Transaction_Fees_on_Card_Payments_Abroad\" >\ud574\uc678\uc5d0\uc11c \uce74\ub4dc \uacb0\uc81c \uc2dc \ud574\uc678 \uac70\ub798 \uc218\uc218\ub8cc\ub97c \ud53c\ud558\ub294 \ubc29\ubc95<\/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\/ko\/best-apps-for-money-conversions-payments-abroad\/#Always_Pay_in_the_Local_Currency\" >\ud56d\uc0c1 \ud604\uc9c0 \ud1b5\ud654\ub85c \uacb0\uc81c<\/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\/ko\/best-apps-for-money-conversions-payments-abroad\/#Weekend_Exchange_Rate_Markups_Explained\" >\uc8fc\ub9d0 \ud658\uc728 \uc778\uc0c1 \uc124\uba85<\/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\/ko\/best-apps-for-money-conversions-payments-abroad\/#Best_Apps_for_Money_Conversion_and_Spending_Abroad_in_2025\" >2025\ub144 \ud658\uc804 \ubc0f \ud574\uc678 \uc9c0\ucd9c\uc744 \uc704\ud55c \ucd5c\uace0\uc758 \uc571<\/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\/ko\/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\/ko\/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\/ko\/best-apps-for-money-conversions-payments-abroad\/#Monzo_UK\" >Monzo(\uc601\uad6d)<\/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\/ko\/best-apps-for-money-conversions-payments-abroad\/#Starling_UK\" >\uc2a4\ud0c8\ub9c1(\uc601\uad6d)<\/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\/ko\/best-apps-for-money-conversions-payments-abroad\/#Curve\" >\ucee4\ube0c<\/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\/ko\/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\/ko\/best-apps-for-money-conversions-payments-abroad\/#Chase_UK\" >\uc601\uad6d \uccb4\uc774\uc2a4<\/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\/ko\/best-apps-for-money-conversions-payments-abroad\/#How_to_Choose\" >\uc120\ud0dd \ubc29\ubc95<\/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\/ko\/best-apps-for-money-conversions-payments-abroad\/#How_to_Avoid_Cash_Machine_ATM_Charges_Abroad\" >\ud574\uc678\uc5d0\uc11c \ud604\uae08 \uc778\ucd9c\uae30(ATM) \uc218\uc218\ub8cc\ub97c \ud53c\ud558\ub294 \ubc29\ubc95<\/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\/ko\/best-apps-for-money-conversions-payments-abroad\/#Best_Practices_for_Using_ATMs_Abroad_in_2025\" >2025\ub144 \ud574\uc678\uc5d0\uc11c ATM\uc744 \uc0ac\uc6a9\ud558\uae30 \uc704\ud55c \ubaa8\ubc94 \uc0ac\ub840<\/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\/ko\/best-apps-for-money-conversions-payments-abroad\/#Before_Departure\" >\ucd9c\ubc1c \uc804<\/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\/ko\/best-apps-for-money-conversions-payments-abroad\/#At_the_ATM\" >ATM\uc5d0\uc11c<\/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\/ko\/best-apps-for-money-conversions-payments-abroad\/#Budgeting_Your_Cash_Needs\" >\ud604\uae08 \uc218\uc694 \uc608\uc0b0 \ucc45\uc815<\/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\/ko\/best-apps-for-money-conversions-payments-abroad\/#How_Travel_Wallets_and_Multi-Currency_Cards_Compare\" >\uc5ec\ud589\uc6a9 \uc9c0\uac11\uacfc \ub2e4\uc911 \ud1b5\ud654 \uce74\ub4dc\uc758 \ube44\uad50 \ubc29\ubc95<\/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\/ko\/best-apps-for-money-conversions-payments-abroad\/#Main_Types\" >\uc8fc\uc694 \uc720\ud615<\/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\/ko\/best-apps-for-money-conversions-payments-abroad\/#Multi-Currency_Wallets\" >\ub2e4\uc911 \ud1b5\ud654 \uc9c0\uac11<\/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\/ko\/best-apps-for-money-conversions-payments-abroad\/#Prepaid_Travel_Cards\" >\uc120\ubd88 \uc5ec\ud589 \uce74\ub4dc<\/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\/ko\/best-apps-for-money-conversions-payments-abroad\/#Digital_Wallets\" >\ub514\uc9c0\ud138 \uc9c0\uac11<\/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\/ko\/best-apps-for-money-conversions-payments-abroad\/#Example_Setups_for_Different_Traveller_Types\" >\ub2e4\uc591\ud55c \uc5ec\ud589\uc790 \uc720\ud615\uc5d0 \ub300\ud55c \uc124\uc815 \uc608\uc2dc<\/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\/ko\/best-apps-for-money-conversions-payments-abroad\/#UK_City-Break_Traveller_4_Days_in_Europe\" >\uc601\uad6d \ub3c4\uc2dc \uc5ec\ud589\uc790: \uc720\ub7fd\uc5d0\uc11c\uc758 4\uc77c \uc5ec\ud589<\/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\/ko\/best-apps-for-money-conversions-payments-abroad\/#Digital_Nomad_3_Months_in_Europe_and_Asia\" >\ub514\uc9c0\ud138 \ub178\ub9c8\ub4dc: \uc720\ub7fd\uacfc \uc544\uc2dc\uc544\uc5d0\uc11c\uc758 3\uac1c\uc6d4<\/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\/ko\/best-apps-for-money-conversions-payments-abroad\/#US-Based_Parent_Supporting_a_Student_Abroad\" >\ubbf8\uad6d\uc5d0 \uac70\uc8fc\ud558\ub294 \ud559\ubd80\ubaa8: \ud574\uc678\uc5d0 \uc788\ub294 \ud559\uc0dd \uc9c0\uc6d0\ud558\uae30<\/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\/ko\/best-apps-for-money-conversions-payments-abroad\/#Final_Tips_for_Smarter_Overseas_Spending_and_Cash_Access\" >\ub354 \uc2a4\ub9c8\ud2b8\ud55c \ud574\uc678 \uc9c0\ucd9c\uacfc \ud604\uae08 \uc0ac\uc6a9\uc744 \uc704\ud55c \ub9c8\uc9c0\ub9c9 \ud301<\/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>\ube60\ub978 \ub2f5\ubcc0: 2025\ub144\uc5d0 \uc0ac\uc6a9\ud560 \ucd5c\uace0\uc758 \uc571<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>2025\ub144\uc5d0 \uc62c\ubc14\ub978 \ub2e4\uc911 \ud1b5\ud654 \uc571\uc744 \uc0ac\uc6a9\ud558\uba74 \uc601\uad6d, EU, \ubbf8\uad6d, \ud638\uc8fc \uc5ec\ud589\uac1d\uc758 \ud574\uc678 \uac70\ub798 \uc218\uc218\ub8cc\uc640 ATM \uc218\uc218\ub8cc\ub97c \uac70\uc758 \uc5c6\uc568 \uc218 \uc788\uc2b5\ub2c8\ub2e4. \uae30\uc874 \uc740\ud589\uc740 \uc5ec\uc804\ud788 \ubaa8\ub4e0 \ud574\uc678 \uac70\ub798\uc5d0 2.75%-3%\ub97c \ubd80\uacfc\ud558\uc9c0\ub9cc, \uc774\ub7ec\ud55c \ud540\ud14c\ud06c \ub300\uc548\uc740 \uc218\uc218\ub8cc\uac00 \uc5c6\uace0 \uacbd\uc7c1\ub825 \uc788\ub294 \ud658\uc728\uc744 \uc81c\uacf5\ud558\uc5ec \uc2e4\uc81c \ube44\uc6a9\uc744 \uc808\uc57d\ud560 \uc218 \uc788\uc2b5\ub2c8\ub2e4.<\/p>\n\n\n\n<p><strong>2025\ub144 \ucd5c\uace0\uc758 \ucd94\ucc9c \uc81c\ud488:<\/strong><\/p>\n\n\n\n<figure class=\"wp-block-table\"><table class=\"has-fixed-layout\"><tbody><tr><th>\uc571<\/th><th>\ucd5c\uc0c1\uc758 \ub300\uc0c1<\/th><th>\uc8fc\uc694 \uc774\uc810<\/th><\/tr><tr><td><strong>Wise<\/strong><\/td><td>\uc804\uccb4 \uac00\uce58<\/td><td>\ud22c\uba85\ud558\uace0 \uc800\ub834\ud55c \uc218\uc218\ub8cc\uc758 \uc911\uac04 \uc2dc\uc7a5 \ud658\uc728<\/td><\/tr><tr><td><strong>Revolut<\/strong><\/td><td>\ub2e4\uc591\ud55c \uae30\ub2a5<\/td><td>\ub2e4\uc911 \ud1b5\ud654 \ubcf4\uc720, \uc608\uc0b0 \ub3c4\uad6c, \uad11\ubc94\uc704\ud55c \ucee4\ubc84\ub9ac\uc9c0<\/td><\/tr><tr><td><strong>Monzo<\/strong> (\uc601\uad6d)<\/td><td>\uc77c\uc0c1\uc801\uc778 \uce74\ub4dc \uacb0\uc81c<\/td><td>0% \uc9c0\ucd9c\uc5d0 \ub300\ud55c \uc678\ud658 \uc218\uc218\ub8cc, \uac04\ub2e8\ud55c \uc778\ud130\ud398\uc774\uc2a4<\/td><\/tr><tr><td><strong>\uc2a4\ud0c8\ub9c1<\/strong> (\uc601\uad6d)<\/td><td>\ud574\uc678\uc5d0\uc11c \uc218\uc218\ub8cc \uc5c6\uc774 \uc0ac\uc6a9<\/td><td>\uad6c\ub9e4 \ub610\ub294 \uc778\ucd9c \uc2dc \ud574\uc678 \uac70\ub798 \uc218\uc218\ub8cc \uc5c6\uc74c<\/td><\/tr><tr><td><strong>\ucee4\ube0c<\/strong><\/td><td>\uae30\uc874 \uce74\ub4dc\uc5d0 \ub808\uc774\uc5b4\ub9c1<\/td><td>\ub354 \ub098\uc740 \ud658\uc728\ub85c \uae30\uc874 \uce74\ub4dc \uc0ac\uc6a9<\/td><\/tr><tr><td><strong>N26<\/strong> (EU)<\/td><td>\uc720\ub7fd \uc5ec\ud589\uc790<\/td><td>FX \ub9c8\ud06c\uc5c5\uc774 \uc5c6\ub294 \uacac\uace0\ud55c \ubb34\ub8cc \ud2f0\uc5b4<\/td><\/tr><tr><td><strong>\uc601\uad6d \uccb4\uc774\uc2a4<\/strong><\/td><td>\uc601\uad6d\uc5d0 \uac70\uc8fc\ud558\ub294 \uc5ec\ud589\uc790<\/td><td>\ud574\uc678 \uc218\uc218\ub8cc \uc5c6\uc74c, 1% \uce90\uc2dc\ubc31<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p>\ud574\uc678 \uce74\ub4dc \uacb0\uc81c\uc758 \uacbd\uc6b0, Monzo, Starling, Chase UK\ub294 \uc218\uc218\ub8cc\uac00 \uc804\ud600 \uc5c6\uc2b5\ub2c8\ub2e4. \ud604\uae08 \uc778\ucd9c\uc758 \uacbd\uc6b0, Wise\ub294 \uc218\uc218\ub8cc\uac00 \uc801\uc6a9\ub418\uae30 \uc804\uc5d0 \ubb34\ub8cc ATM \ud55c\ub3c4\ub97c \uc81c\uacf5\ud558\uba70, Revolut\uc740 \ube44\uc2b7\ud55c \ud55c\ub3c4\ub97c \uc81c\uacf5\ud558\uc9c0\ub9cc \ud658\uc804 \uc2dc \uc8fc\ub9d0 \ud560\uc99d\ub960\uc744 \uc801\uc6a9\ud569\ub2c8\ub2e4.<\/p>\n\n\n\n<p>\uc601\uad6d\uc758 \uc804\ud1b5\uc801\uc778 \ud558\uc774 \uc2a4\ud2b8\ub9ac\ud2b8 \uc740\ud589\uc740 \uc5ec\uc804\ud788 \ud574\uc678 \uac70\ub798 \uc218\uc218\ub8cc\ub85c \uc57d 2.75%-3%\ub97c \ubd80\uacfc\ud558\uba70, \uc5ec\uae30\uc5d0 \ubcc4\ub3c4\uc758 ATM \uc778\ucd9c \uc218\uc218\ub8cc\uc640 \ub3d9\uc801 \ud1b5\ud654 \ubcc0\ud658(DCC) \ud560\uc99d\ub8cc\uac00 \ucd94\uac00\ub429\ub2c8\ub2e4. \uc774\ub294 \ud604\uc9c0 \ud604\uae08 \uc778\ucd9c\uae30\uc5d0\uc11c \uc790\uccb4 \uc218\uc218\ub8cc\ub97c \ubd80\uacfc\ud558\uae30 \uc804\uc758 \uae08\uc561\uc785\ub2c8\ub2e4.<\/p>\n\n\n\n<p>\uc774 \uae00\uc758 \ub098\uba38\uc9c0 \ubd80\ubd84\uc5d0\uc11c\ub294 \uc8fc\ub85c \uc601\uad6d \ubc0f \uae30\ud0c0 \uc8fc\uc694 \uc601\uc5b4\uad8c \uc2dc\uc7a5\uc758 \ub3c5\uc790\ub97c \uc704\ud574 \uc791\uc131\ub41c \uc218\uc218\ub8cc, \uc8fc\ub9d0 \uc778\uc0c1\ub960, ATM \uc804\ub7b5 \ubc0f \uc571\ubcc4 \ube44\uad50\ub97c \uc790\uc138\ud788 \uc124\uba85\ud569\ub2c8\ub2e4.<\/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>\ud574\uc678 \uac70\ub798 \uc218\uc218\ub8cc\ub780 \ubb34\uc5c7\uc774\uba70 2025\ub144 \uc218\uc218\ub8cc\ub294 \uc5bc\ub9c8\uc778\uac00\uc694?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>\ud574\uc678 \uac70\ub798 \uc218\uc218\ub8cc\ub294 \uce74\ub4dc\uc758 \u201c\uc790\uad6d \ud1b5\ud654'\uc640 \ub2e4\ub978 \ud1b5\ud654\ub85c \uacb0\uc81c\ud560 \ub54c \uc740\ud589\uc774\ub098 \uc571\uc5d0\uc11c \ucd94\uac00\ud558\ub294 \uc218\uc218\ub8cc\uc728\uc785\ub2c8\ub2e4. \ud504\ub791\uc2a4\uc5d0\uc11c \uc601\uad6d \uc740\ud589 \uce74\ub4dc\ub97c \ud0ed\ud558\uac70\ub098 \uc77c\ubcf8\uc5d0\uc11c \ubbf8\uad6d \uce74\ub4dc\ub97c \ud0ed\ud560 \ub54c\ub9c8\ub2e4 \uc774 \uc218\uc218\ub8cc\uac00 \uc790\ub3d9\uc73c\ub85c \uc801\uc6a9\ub429\ub2c8\ub2e4.<\/p>\n\n\n\n<p><strong>2025\ub144\uc758 \uc77c\ubc18\uc801\uc778 \ubc94\uc704:<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>\uc601\uad6d \ud558\uc774\uc2a4\ud2b8\ub9ac\ud2b8 \uc740\ud589:<\/strong> \uad6c\ub9e4 \ub610\ub294 \ud604\uae08 \uc778\ucd9c \ub2f9 2.75%-3%<\/li>\n\n\n\n<li><strong>\ubbf8\uad6d \uc740\ud589:<\/strong> 2%-3%(\uc77c\ubd80 \ud504\ub9ac\ubbf8\uc5c4 \uce74\ub4dc\uc758 \uacbd\uc6b0 \uba74\uc81c)<\/li>\n\n\n\n<li><strong>\ud504\ub9ac\ubbf8\uc5c4 \uc5ec\ud589 \uce74\ub4dc \ubc0f \ub124\uc624\ubc45\ud06c:<\/strong> 0%<\/li>\n<\/ul>\n\n\n\n<p>\ub300\ubd80\ubd84\uc758 \uc0ac\ub78c\ub4e4\uc774 \uac00\uc7a5 \uad81\uae08\ud574\ud558\ub294 \uc810\uc740 \ud558\ub098\uc758 \ud574\uc678 \uac70\ub798\uc5d0 \uc138 \uac00\uc9c0 \uacc4\uce35\uc744 \uc801\uc6a9\ud560 \uc218 \uc788\ub2e4\ub294 \uc810\uc785\ub2c8\ub2e4.<\/p>\n\n\n\n<ol class=\"wp-block-list\">\n<li><strong>\ud574\uc678 \uac70\ub798 \uc218\uc218\ub8cc<\/strong> - \uc740\ud589\uc758 \uc218\uc218\ub8cc\uc728<\/li>\n\n\n\n<li><strong>FX \ub9c8\ud06c\uc5c5<\/strong> - \uadc0\ud558\uac00 \ubc1b\ub294 \uc694\uae08\uacfc \uc911\uac04 \uc2dc\uc7a5 \uc694\uae08\uc758 \ucc28\uc774<\/li>\n\n\n\n<li><strong>\ud604\uc9c0 ATM\/\uc6b4\uc601\uc790 \uc218\uc218\ub8cc<\/strong> - \ud604\uae08 \uc778\ucd9c\uae30 \uc790\uccb4\uc758 \uc815\uc561 \uc694\uae08<\/li>\n<\/ol>\n\n\n\n<p><strong>\uad6c\uccb4\uc801\uc778 \uc608\uc2dc:<\/strong> \uc2a4\ud398\uc778\uc5d0\uc11c \uc77c\uc8fc\uc77c\uac04 \ud734\uac00\ub97c \ubcf4\ub0b4\uba74\uc11c \uc601\uad6d \uc740\ud589 \uc9c1\ubd88\uce74\ub4dc\ub97c \uc0ac\uc6a9\ud558\uc5ec 1,000\ud30c\uc6b4\ub4dc(\ud574\uc678 \uac70\ub798 \uc218\uc218\ub8cc 2.99%)\ub97c \uc9c0\ucd9c\ud55c\ub2e4\uace0 \uac00\uc815\ud574 \ubcf4\uaca0\uc2b5\ub2c8\ub2e4. \ud604\uae08\uc744 \uc0dd\uac01\ud558\uae30\ub3c4 \uc804\uc5d0 \ub300\ub7b5 30\ud30c\uc6b4\ub4dc\uac00 \uc0ac\ub77c\uc9c0\ub294 \uc148\uc785\ub2c8\ub2e4. \uc5ec\uae30\uc5d0 3\uc720\ub85c\uc529 \uba87 \ubc88\uc758 ATM \uc778\ucd9c\uc744 \ub354\ud558\uba74 \ubd88\ud544\uc694\ud55c \uc218\uc218\ub8cc\uac00 40~50\ud30c\uc6b4\ub4dc\uac00 \ub429\ub2c8\ub2e4.<\/p>\n\n\n\n<p>\ud57c\ub9ac\ud329\uc2a4 \ud074\ub798\ub9ac\ud2f0\ub098 \ubc14\ud074\ub808\uc774\uce74\ub4dc \ub9ac\uc6cc\ub4dc\uc640 \uac19\uc740 \ub9ce\uc740 \u201c\uc5ec\ud589 \uc2e0\uc6a9\uce74\ub4dc'\ub294 \uad6c\ub9e4 \uc2dc \uc678\ud658 \uc218\uc218\ub8cc\ub97c \uba74\uc81c\ud574 \uc8fc\ub294\ub370, \uc88b\uc740 \uac83 \uac19\uc2b5\ub2c8\ub2e4. \ud558\uc9c0\ub9cc \uccab\ub0a0\ubd80\ud130 \ud604\uae08 \uc778\ucd9c\uc5d0 \ub300\ud55c \uc774\uc790\uc640 \uc7a0\uc7ac\uc801\uc778 \uc804\ud658 \uc218\uc218\ub8cc\ub97c \ubd80\uacfc\ud558\ub294 \uacbd\uc6b0\uac00 \ub9ce\uc2b5\ub2c8\ub2e4. \uc5b4\ub5a4 \uce74\ub4dc\uac00 \uc815\ub9d0 \u201d\ubb34\ub8cc\u201c\ub77c\uace0 \uc0dd\uac01\ud558\uae30 \uc804\uc5d0 \ud56d\uc0c1 \uc791\uc740 \uae00\uc528\ub97c \uc77d\uc5b4\ubcf4\uc138\uc694.\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>\ud574\uc678\uc5d0\uc11c \uacb0\uc81c \ubc0f \uc778\ucd9c \uc2dc \uc228\uaca8\uc9c4 \uc218\uc218\ub8cc \uc548\ub0b4<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>\uc2a4\ud2f0\ucee4 \uac00\uaca9\uc774 \uc804\uccb4 \ube44\uc6a9\uc778 \uacbd\uc6b0\ub294 \uac70\uc758 \uc5c6\uc2b5\ub2c8\ub2e4. \uc228\uaca8\uc9c4 \uc218\uc218\ub8cc\ub294 \uc791\uc740 \uae00\uc528\uc5d0 \ubb3b\ud600 \uc788\uac70\ub098 \ud658\uc728 \uc790\uccb4\uc5d0 \ud3ec\ud568\ub418\uc5b4 \uc788\ub294 \uacbd\uc6b0\uac00 \ub9ce\uc73c\uba70, \uc798\ubabb\ub41c \uce74\ub4dc\ub97c \uc0ac\uc6a9\ud558\uac70\ub098 \ud654\uba74\uc5d0\uc11c \uc798\ubabb\ub41c \uc635\uc158\uc744 \uc120\ud0dd\ud558\uba74 \uc815\uc0c1 \uc9c0\ucd9c\uc561\uc5d0 3%-7%\uac00 \ucd94\uac00\ub420 \uc218 \uc788\uc2b5\ub2c8\ub2e4.<\/p>\n\n\n\n<p><strong>\uc8fc\uc758\ud574\uc57c \ud560 \uc77c\ubc18\uc801\uc778 \uc228\uaca8\uc9c4 \ube44\uc6a9:<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>\uc2a4\ud138\ub9c1 \uc678 \uac70\ub798 \uc218\uc218\ub8cc<\/strong> - \u201c\ud574\uc678 \uac70\ub798 \uc218\uc218\ub8cc\u201d\uc640 \ubcc4\ub3c4\ub85c \ud45c\uc2dc\ub418\ub294 \uacbd\uc6b0\uac00 \ub9ce\uc2b5\ub2c8\ub2e4.\u201d<\/li>\n\n\n\n<li><strong>\uc2e0\uc6a9 \uce74\ub4dc \ud604\uae08 \uc11c\ube44\uc2a4 \uc218\uc218\ub8cc<\/strong> - \ub9ce\uc740 \uc2e0\uc6a9 \uce74\ub4dc\uac00 ATM \uc778\ucd9c\uc744 \ud604\uae08 \uc11c\ube44\uc2a4\ub85c \ucde8\uae09\ud558\uc5ec \uccab\ub0a0\ubd80\ud130 3%-5%\uc758 \uc120\ubd88\uae08\uacfc \uc774\uc790\ub97c \ubd80\uacfc\ud569\ub2c8\ub2e4.<\/li>\n\n\n\n<li><strong>\ud604\uc9c0 ATM \ucd94\uac00 \uc694\uae08<\/strong> - \uc77c\ubc18\uc801\uc73c\ub85c \uc720\ub7fd\uc5d0\uc11c\ub294 \uc778\ucd9c \ub2f9 \u20ac2-\u20ac6, \ubbf8\uad6d\uc5d0\uc11c\ub294 $3-$7\uc785\ub2c8\ub2e4.<\/li>\n\n\n\n<li><strong>\ub3d9\uc801 \ud1b5\ud654 \ubcc0\ud658(DCC)\uc744 \ud1b5\ud55c \ud658\uc728 \ud558\ub77d<\/strong> - \uae30\uacc4\uc5d0\uc11c \uc790\uad6d \ud1b5\ud654\ub85c\uc758 \ud658\uc804\uc744 \uc218\ub77d\ud560 \ub54c \ub610\ub294<\/li>\n\n\n\n<li><strong>\uc8fc\ub9d0 \ubc0f \uc2dc\uc7a5 \uc678 \uc694\uae08 \uc778\uc0c1<\/strong> - \ub9ce\uc740 \uc571\uc774 \uc678\ud658 \uc2dc\uc7a5\uc774 \ub2eb\ud790 \ub54c 0.5%-1.5%\ub97c \ucd94\uac00\ud569\ub2c8\ub2e4.<\/li>\n<\/ul>\n\n\n\n<p>\uc5ec\ud589 \uc804\uc5d0 \uce74\ub4dc \ub610\ub294 \uc571\uc758 \uad00\uc138 \ud398\uc774\uc9c0\ub97c \ud655\uc778\ud558\uc138\uc694(2025\ub144\uc73c\ub85c \uc5c5\ub370\uc774\ud2b8\ub418\uc5c8\ub294\uc9c0 \ud655\uc778\ud558\uc138\uc694). \ud2b9\ud788 \uc9d1\uc911\ud558\uc138\uc694:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>\u201c\ube44\uc2a4\ud138\ub9c1 \uac70\ub798 \uc218\uc218\ub8cc\u201d<\/li>\n\n\n\n<li>\u201c\ud604\uae08 \uc778\ucd9c \uc218\uc218\ub8cc\u201d \ub610\ub294 \u201c\ud574\uc678 ATM \uc218\uc218\ub8cc\u201d<\/li>\n\n\n\n<li>\u201c\ud574\uc678 ATM \uc0ac\uc6a9\u201d \uc57d\uad00<\/li>\n\n\n\n<li>\uc8fc\ub9d0 \ub9c8\ud06c\uc5c5 \uc815\ucc45<\/li>\n<\/ul>\n\n\n\n<p>\uc774 \uae00\uc758 \ub4b7\ubd80\ubd84\uc5d0 \uc788\ub294 ATM \uc804\uc6a9 \uc139\uc158\uc5d0\uc11c\ub294 \ud604\uae08 \uc778\ucd9c\uae30\uc5d0\uc11c \uc774\ub7ec\ud55c \uc218\uc218\ub8cc\ub97c \ud53c\ud558\uae30 \uc704\ud55c \uad6c\uccb4\uc801\uc778 \uc804\ub7b5\uc744 \ub2e4\ub8f9\ub2c8\ub2e4.<\/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>\ud574\uc678\uc5d0\uc11c \uce74\ub4dc \uacb0\uc81c \uc2dc \ud574\uc678 \uac70\ub798 \uc218\uc218\ub8cc\ub97c \ud53c\ud558\ub294 \ubc29\ubc95<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>\uac00\uc7a5 \uc27d\uac8c \uc808\uc57d\ud560 \uc218 \uc788\ub294 \uacf3\uc740 \ub808\uc2a4\ud1a0\ub791, \ud638\ud154, \uc0c1\uc810 \ub4f1 \uce74\ub4dc \uacb0\uc81c\uc774\uba70, \uc62c\ubc14\ub978 \uc571\uacfc \uba87 \uac00\uc9c0 \uc88b\uc740 \uc2b5\uad00\uc73c\ub85c 0% FX\ub97c \ub2ec\uc131\ud560 \uc218 \uc788\ub294 \uacbd\uc6b0\uac00 \ub9ce\uc2b5\ub2c8\ub2e4.<\/p>\n\n\n\n<p><strong>\uc0ac\uc6a9\ud560 \uc571 \ub610\ub294 \uce74\ub4dc\ub97c \uc120\ud0dd\ud569\ub2c8\ub2e4:<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>0% \uad6c\ub9e4 \uc2dc \ud574\uc678 \uac70\ub798 \uc218\uc218\ub8cc<\/li>\n\n\n\n<li>\uc911\uac04 \uc2dc\uc7a5 \ud658\uc728 \ub610\ub294 \uc774\uc5d0 \uadfc\uc811\ud55c \ud658\uc728<\/li>\n\n\n\n<li>\uc8fc\ub9d0 \ub9c8\ud06c\uc5c5\uc774 \uc5c6\uac70\ub098 \ub0ae\uc74c(\uc8fc\uc911\uc5d0\ub294 0%, \uc8fc\ub9d0\uc5d0\ub294 \u22640.5%\uac00 \uc774\uc0c1\uc801)<\/li>\n\n\n\n<li>\ube44\uc790 \ub610\ub294 \ub9c8\uc2a4\ud130\uce74\ub4dc <a href=\"https:\/\/blog.lebara.co.uk\/ko\/how-to-find-out-what-network-youre-on\/\">\ub124\ud2b8\uc6cc\ud06c<\/a> \uac15\ub825\ud55c \uae00\ub85c\ubc8c \uc218\uc6a9\uc131\uc744 \uc704\ud55c<\/li>\n<\/ul>\n\n\n\n<p><strong>\uc9c0\uc5ed\ubcc4 \ucd94\ucc9c \uc635\uc158:<\/strong><\/p>\n\n\n\n<figure class=\"wp-block-table\"><table class=\"has-fixed-layout\"><tbody><tr><th>\uc9c0\uc5ed<\/th><th>\ucd5c\uc0c1\uc758 \uc635\uc158<\/th><\/tr><tr><td><strong>\uc601\uad6d\/\uc720\ub7fd \uc5f0\ud569<\/strong><\/td><td>Wise, Revolut, Monzo, Starling, N26, Curve<\/td><\/tr><tr><td><strong>US<\/strong><\/td><td>Wise, Revolut(\uc0ac\uc6a9 \uac00\ub2a5\ud55c \uacbd\uc6b0), \uc804\uc6a9 \ub178-FX \uc2e0\uc6a9 \uce74\ub4dc<\/td><\/tr><tr><td><strong>\ud638\uc8fc\/\ub274\uc9c8\ub79c\ub4dc<\/strong><\/td><td>\uc640\uc774\uc988, \ub808\ubcfc\ub8e8\ud2b8, ING \uc624\ub80c\uc9c0 \uc5d0\ube0c\ub9ac\ub370\uc774, \ub9e5\ucffc\ub9ac \uac70\ub798 \uacc4\uc88c<\/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>\ud56d\uc0c1 \ud604\uc9c0 \ud1b5\ud654\ub85c \uacb0\uc81c<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>\uc774\uac83\uc740 \ud574\uc678 \uc9c0\ucd9c\uc5d0 \uc788\uc5b4 \uac00\uc7a5 \uc911\uc694\ud55c \uaddc\uce59\uc785\ub2c8\ub2e4. \uce74\ub4dc \uae30\uacc4\ub098 ATM\uc5d0\uc11c \uc790\uad6d \ud1b5\ud654\ub85c \uacb0\uc81c\ud560\uc9c0 \ud604\uc9c0 \ud1b5\ud654\ub85c \uacb0\uc81c\ud560\uc9c0 \ubb3b\ub294 \uba54\uc2dc\uc9c0\uac00 \ud45c\uc2dc\ub418\uba74 \ud604\uc9c0 \ud1b5\ud654\ub85c \uacb0\uc81c\ud558\uc138\uc694, <strong>\ud56d\uc0c1 \ud604\uc9c0 \ud1b5\ud654 \uc120\ud0dd<\/strong>.<\/p>\n\n\n\n<p>\ub3d9\uc801 \ud1b5\ud654 \ubcc0\ud658 DCC\ub294 \ud310\ub9e4\uc790\ub098 ATM\uc5d0\uc11c \u201c\ud3b8\uc758\ub97c \uc704\ud574\u201d \uad6c\ub9e4 \uae08\uc561\uc744 \uc790\uad6d \ud1b5\ud654\ub85c \ubcc0\ud658\ud574 \uc8fc\ub294 \uc11c\ube44\uc2a4\uc785\ub2c8\ub2e4. \uc2e4\uc81c\ub85c\ub294 \uc77c\ubc18\uc801\uc73c\ub85c 51\uc6d0-41\uc6d0-41\uc6d0\uc758 \ub054\ucc0d\ud55c \ud658\uc728\uc744 \uc801\uc6a9\ud558\uba70, \uadf8\ub807\uc9c0 \uc54a\uc740 \uacbd\uc6b0\ubcf4\ub2e4 \ub354 \ub0ae\uc740 \ud658\uc728\uc744 \uc801\uc6a9\ud569\ub2c8\ub2e4. \uc774 \ucd94\uac00 \ube44\uc6a9\uc740 \ud310\ub9e4\uc790\ub098 ATM \uc6b4\uc601\uc790\uc5d0\uac8c \uace0\uc2a4\ub780\ud788 \uc804\uac00\ub429\ub2c8\ub2e4.<\/p>\n\n\n\n<blockquote class=\"wp-block-quote is-layout-flow wp-block-quote-is-layout-flow\">\n<p>\ud654\uba74\uc5d0 \u201cGBP\ub85c \uacb0\uc81c\ud558\uc2dc\uaca0\uc2b5\ub2c8\uae4c?\u201d \ub610\ub294 \u201cUSD\ub85c \ubcc0\ud658\ud558\uc2dc\uaca0\uc2b5\ub2c8\uae4c?\u201d\uac00 \ud45c\uc2dc\ub420 \ub54c\ub9c8\ub2e4 \uac70\ubd80\ud558\uc138\uc694. \ub300\uc2e0 \ud574\ub2f9 \uad6d\uac00\uc758 \ud1b5\ud654\ub97c \uc120\ud0dd\ud558\uc138\uc694.<\/p>\n<\/blockquote>\n\n\n\n<p>\ubc45\ud0b9 \uc571\uc5d0\uc11c \uc989\uc2dc \uc54c\ub9bc\uc744 \ucf1c\uba74 \ud604\uc9c0 \uae08\uc561\uacfc \ud658\uc0b0 \uae08\uc561\uc744 \uc989\uc2dc \ud655\uc778\ud558\uace0 \uc608\uc0c1\uce58 \ubabb\ud55c \ucd94\uac00 \uc218\uc218\ub8cc\ub97c \ud655\uc778\ud560 \uc218 \uc788\uc2b5\ub2c8\ub2e4.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Weekend_Exchange_Rate_Markups_Explained\"><\/span>\uc8fc\ub9d0 \ud658\uc728 \uc778\uc0c1 \uc124\uba85<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>\uc678\ud658 \uc2dc\uc7a5\uc740 \uae08\uc694\uc77c \uc800\ub141 \ub2a6\uac8c \ubb38\uc744 \ub2eb\uace0 \uc77c\uc694\uc77c \ub2a6\uac8c(\ub7f0\ub358 \uc2dc\uac04)\uc5d0\uc57c \ub2e4\uc2dc \uc5f4\ub9bd\ub2c8\ub2e4. \uc774 \uae30\uac04 \ub3d9\uc548 \ub9ce\uc740 \uc740\ud589\uacfc \uc571\uc5d0\uc11c \uc7a0\uc7ac\uc801\uc778 \ud658\uc728 \ubcc0\ub3d9\uc5d0 \ub300\ube44\ud574 \uc77c\uc2dc\uc801\uc73c\ub85c \ud658\uc728\uc744 \ubcf4\uc804\ud574 \uc8fc\uba70, \uace0\uac1d\uc740 \uc774 \ubcf4\uc804 \ube44\uc6a9\uc744 \uc9c0\ubd88\ud569\ub2c8\ub2e4.<\/p>\n\n\n\n<p><strong>2025\ub144\uc758 \uc77c\ubc18\uc801\uc778 \uc8fc\ub9d0 \ub9c8\ud06c\uc5c5:<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Revolut:<\/strong> \uc8fc\ub9d0\uc5d0 \ub300\ubd80\ubd84\uc758 \ud1b5\ud654\uc5d0\uc11c 0.5%-1% \ucd94\uac00 \uc801\ub9bd<\/li>\n\n\n\n<li><strong>Wise:<\/strong> \uc77c\ubc18\uc801\uc73c\ub85c \uc8fc\ub9d0 \ub9c8\ud06c\uc5c5\uc774 \ub0ae\uc9c0\ub9cc \uc77c\ubd80 \uc30d\uc5d0\ub294 \uc5ec\uc804\ud788 \uc801\uc6a9\ub429\ub2c8\ub2e4.<\/li>\n\n\n\n<li><strong>\uae30\uc874 \uc740\ud589:<\/strong> \uc77c\uc8fc\uc77c \ub0b4\ub0b4 \uc774\ubbf8 \uc778\uc0c1\ub41c \uace0\uc815 \u201c\uc5ec\ud589\uc790 \uc694\uae08'\uc744 \uc0ac\uc6a9\ud558\ub294 \uacbd\uc6b0\uac00 \ub9ce\uc2b5\ub2c8\ub2e4.<\/li>\n<\/ul>\n\n\n\n<p><strong>\uc608\uc2dc:<\/strong> \ud1a0\uc694\uc77c\uc5d0 Revolut\uc744 \uc0ac\uc6a9\ud558\uc5ec \u00a3500\uc744 EUR\ub85c \ud658\uc804\ud569\ub2c8\ub2e4. \uc8fc\ub9d0 \ud560\uc99d\uc774 1%\ub85c \uc801\uc6a9\ub418\uba74 \ud654\uc694\uc77c\uc5d0 \uc804\ud658\ud588\uc744 \ub54c\ubcf4\ub2e4 \uc57d 5~6\uc720\ub85c \ub354 \uc801\uac8c \ubc1b\uac8c \ub429\ub2c8\ub2e4.<\/p>\n\n\n\n<p><strong>\uc8fc\ub9d0 \ube44\uc6a9\uc744 \ucd5c\uc18c\ud654\ud558\ub294 \uc804\ub7b5:<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>\ud1a0\uc694\uc77c\uacfc \uc77c\uc694\uc77c\uc5d0 \uc9c0\ucd9c\uc774 \ub9ce\uc744 \uac83\uc73c\ub85c \uc608\uc0c1\ub418\ub294 \uacbd\uc6b0 \ud3c9\uc77c\uc5d0 \uc801\ub2f9\ud55c \uae08\uc561\uc744 \ubbf8\ub9ac \uc804\ud658\ud558\uc138\uc694.<\/li>\n\n\n\n<li>\uae08\ub9ac \ub9ac\uc2a4\ud06c\ub97c \uc774\ud574\ud558\uc9c0 \ubabb\ud55c\ub2e4\uba74 \ubbf8\ub9ac \ud22c\uae30\uc801\uc778 \ub300\uaddc\ubaa8 \uc804\ud658\uc744 \ud53c\ud558\uc138\uc694.<\/li>\n\n\n\n<li>\ud070 \uae08\uc561\uc744 \ud658\uc804\ud558\uae30 \uc804\uc5d0 \uc571\uc758 \ud2b9\uc815 \uc8fc\ub9d0 \uc815\ucc45\uc744 \ud655\uc778\ud558\uc138\uc694.<\/li>\n<\/ul>\n\n\n\n<p>Curve\uc640 \uac19\uc740 \uc77c\ubd80 \ub514\uc9c0\ud138 \uc9c0\uac11\uc740 \uc8fc\ub9d0 \uc678\ud658 \uc218\uc218\ub8cc\ub97c \ucd94\uac00\ud558\uc9c0 \uc54a\uace0 \uae30\ubcf8 \uc740\ud589\uc758 \ud658\uc728\uc744 \ud1b5\uacfc\ud558\ub294 \u201c\uba54\ud0c0 \uce74\ub4dc\u201d \uc5ed\ud560\uc744 \ud558\uc9c0\ub9cc, \uae30\ubcf8 \uce74\ub4dc\uc5d0\ub294 \uc5ec\uc804\ud788 \uc790\uccb4 \uaddc\uce59\uc774 \uc788\uc744 \uc218 \uc788\uc2b5\ub2c8\ub2e4.<\/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\ub144 \ud658\uc804 \ubc0f \ud574\uc678 \uc9c0\ucd9c\uc744 \uc704\ud55c \ucd5c\uace0\uc758 \uc571<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>\uc774 \uc139\uc158\uc5d0\uc11c\ub294 \uc8fc\uc694 \uc5ec\ud589\uc790 \ud654\ud3d0 \uc571\uc744 \uc678\ud658 \ube44\uc6a9, ATM \uaddc\uce59, \uc77c\ubc18 \uc5ec\ud589\uc790\ub97c \uc704\ud55c \uc0ac\uc6a9 \ud3b8\uc758\uc131\uc5d0 \uc911\uc810\uc744 \ub450\uace0 \uc2e4\uc6a9\uc801\uc73c\ub85c \ube44\uad50\ud569\ub2c8\ub2e4.<\/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(\uc774\uc804\uc758 TransferWise)\ub294 \ud22c\uba85\ud55c \uac00\uaca9\uacfc \uc2e4\uc81c \ud658\uc728\uc744 \ubc14\ud0d5\uc73c\ub85c \uba85\uc131\uc744 \uc313\uc558\uc2b5\ub2c8\ub2e4. \uc774 \uc571\uc740 \uc911\uac04 \uc2dc\uc7a5 \ud658\uc728(Google \ub610\ub294 XE\uc5d0\uc11c \ubcfc \uc218 \uc788\ub294 \ud658\uc728\uacfc \ub3d9\uc77c\ud55c \ud658\uc728)\uc744 \uc0ac\uc6a9\ud558\uba70 \uadf8 \uc704\uc5d0 \ub208\uc5d0 \ubcf4\uc774\ub294 \uc18c\uc561\uc758 \uc218\uc218\ub8cc\uac00 \ucd94\uac00\ub429\ub2c8\ub2e4.<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>FX:<\/strong> \uc911\uac04 \uc2dc\uc7a5 \uc694\uae08, \uc228\uaca8\uc9c4 \ub9c8\ud06c\uc5c5 \uc5c6\uc74c<\/li>\n\n\n\n<li><strong>\ud574\uc678\uc5d0\uc11c \uce74\ub4dc \uacb0\uc81c:<\/strong> 0% \ud574\uc678 \uac70\ub798 \uc218\uc218\ub8cc<\/li>\n\n\n\n<li><strong>ATM \uc778\ucd9c:<\/strong> \uc6d4 2\ud68c \ubb34\ub8cc \uc778\ucd9c, \ucd5c\ub300 \u00a3200(\ub610\ub294 \uc774\uc5d0 \uc0c1\uc751\ud558\ub294 \uae08\uc561), \uc218\uc218\ub8cc 1.75%<\/li>\n\n\n\n<li><strong>\uc8fc\ub9d0 \uc815\ucc45:<\/strong> \uc77c\ubd80 \ud1b5\ud654\uc30d\uc758 \uacbd\uc6b0 \uc57d\uac04\uc758 \ub9c8\ud06c\uc5c5\uc774 \uc788\uc9c0\ub9cc \uc77c\ubc18\uc801\uc73c\ub85c \uacbd\uc7c1\uc0ac\ubcf4\ub2e4 \ub0ae\uc2b5\ub2c8\ub2e4.<\/li>\n<\/ul>\n\n\n\n<p>Wise\ub294 \ud2b9\ud788 \ub2e4\uc74c\uacfc \uac19\uc740 \uacbd\uc6b0\uc5d0 \uac15\ud569\ub2c8\ub2e4. <a href=\"https:\/\/blog.lebara.co.uk\/ko\/how-to-cut-the-cost-of-international-calls-on-a-mobile-phone\/\">\uad6d\uc81c<\/a> \uc1a1\uae08 - 40\uac1c \uc774\uc0c1\uc758 \ud1b5\ud654\ub85c \uc794\uc561\uc744 \ubcf4\uc720\ud558\uace0 \uc5ec\ub7ec \uad6d\uac00\uc5d0\uc11c \ud604\uc9c0\uc778\ucc98\ub7fc \uc1a1\uae08\uc744 \ubc1b\uc744 \uc218 \uc788\uc2b5\ub2c8\ub2e4. Wise \uce74\ub4dc\ub294 \ub9c8\uc2a4\ud130\uce74\ub4dc\uac00 \ud5c8\uc6a9\ub418\ub294 \uac70\uc758 \ubaa8\ub4e0 \uacf3\uc5d0\uc11c \uc0ac\uc6a9\ud560 \uc218 \uc788\uc2b5\ub2c8\ub2e4.<\/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\uc740 \uc804 \uc138\uacc4 6\ucc9c\ub9cc \uba85 \uc774\uc0c1\uc758 \uace0\uac1d\uc744 \ubcf4\uc720\ud55c \uae08\uc735 \u201c\uc288\ud37c \uc571'\uc73c\ub85c \uc790\ub9ac\ub9e4\uae40\ud588\uc2b5\ub2c8\ub2e4. \ud658\uc804 \uc678\uc5d0\ub3c4 \uc608\uc0b0 \uad00\ub9ac \ub3c4\uad6c, \uccad\uad6c\uc11c \ubd84\ud560, \uc800\ucd95 \uae08\uace0, \uc554\ud638\ud654\ud3d0 \uac70\ub798 \uae30\ub2a5\uae4c\uc9c0 \uc81c\uacf5\ud569\ub2c8\ub2e4.<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>FX:<\/strong> \ud3c9\uc77c \uc740\ud589 \uac04 \uc694\uae08, \uc8fc\ub9d0 0.5%-1% \ud560\uc99d\ub960<\/li>\n\n\n\n<li><strong>\ud574\uc678\uc5d0\uc11c \uce74\ub4dc \uacb0\uc81c:<\/strong> \ubb34\ub8cc \ud2f0\uc5b4\uc758 \uacbd\uc6b0 \uc6d4 \ud55c\ub3c4(\ud604\uc7ac ~1,000\ud30c\uc6b4\ub4dc)\uae4c\uc9c0 0%, \uadf8 \uc774\ud6c4\uc5d0\ub294 0.5%\uc785\ub2c8\ub2e4.<\/li>\n\n\n\n<li><strong>ATM \uc778\ucd9c:<\/strong> \ubb34\ub8cc \uc694\uae08\uc81c\uc5d0\uc11c \uc6d4 \ucd5c\ub300 \u00a3200 \ubb34\ub8cc, \uc774\ud6c4 2% \uc694\uae08\uc81c<\/li>\n\n\n\n<li><strong>\uacf5\uc815\ud55c \uc0ac\uc6a9:<\/strong> \ub354 \ub192\uc740 \ub4f1\uae09\uc758 \uc694\uae08\uc81c\ub294 \ub354 \ub9ce\uc740 \ubb34\ub8cc \uc218\ub2f9\uc744 \uc81c\uacf5\ud569\ub2c8\ub2e4.<\/li>\n<\/ul>\n\n\n\n<p>Revolut\uc740 \uc989\uac01\uc801\uc778 \uc9c0\ucd9c \ubd84\uc11d\uacfc \uac19\uc740 \uae30\ub2a5\uc73c\ub85c \uc7ac\uc815 \uad00\ub9ac\ub97c \uac15\ud654\ud558\uace0\uc790 \ud558\ub294 \uc5ec\ud589\uac1d\uc5d0\uac8c \uc801\ud569\ud569\ub2c8\ub2e4. \ub2e8, \ubb34\ub8cc \ub4f1\uae09\uc758 \uc8fc\ub9d0 \ud560\uc99d\uacfc \uc6d4 \ud55c\ub3c4\uc561\uc5d0 \uc720\uc758\ud558\uc138\uc694.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Monzo_UK\"><\/span>Monzo(\uc601\uad6d)<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>Monzo\ub294 \uc601\uad6d\uc5d0 \ubcf8\uc0ac\ub97c \ub454 \ub514\uc9c0\ud138 \uc740\ud589\uc73c\ub85c \ub3c5\ud2b9\ud55c \uc0b0\ud638 \uce74\ub4dc\uc640 \uac04\ud3b8\ud568\uc73c\ub85c \uba85\uc131\uc774 \uc790\uc790\ud569\ub2c8\ub2e4. \ud2b9\ud788 \uc80a\uc740 \uc5ec\ud589\uac1d\ub4e4\uc5d0\uac8c \uc778\uae30\uac00 \ub192\uc2b5\ub2c8\ub2e4.<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>FX:<\/strong> \ucd94\uac00 \ud560\uc99d\uc774 \uc5c6\ub294 \ub9c8\uc2a4\ud130\uce74\ub4dc \ud658\uc728<\/li>\n\n\n\n<li><strong>\ud574\uc678\uc5d0\uc11c \uce74\ub4dc \uacb0\uc81c:<\/strong> 0% \ud574\uc678 \uac70\ub798 \uc218\uc218\ub8cc<\/li>\n\n\n\n<li><strong>ATM \uc778\ucd9c:<\/strong> \ud574\uc678\uc5d0\uc11c 30\uc77c\ub9c8\ub2e4 \ucd5c\ub300 \u00a3400\uae4c\uc9c0 \ubb34\ub8cc, \uc774\ud6c4 3%<\/li>\n\n\n\n<li><strong>\uc8fc\ub9d0 \uc815\ucc45:<\/strong> \uc8fc\ub9d0 \ucd94\uac00 \uc778\uc0c1 \uc5c6\uc74c<\/li>\n<\/ul>\n\n\n\n<p>\uc218\uc218\ub8cc \uc5c6\ub294 \uac04\ud3b8\ud55c \uce74\ub4dc \uacb0\uc81c\uc640 \ud569\ub9ac\uc801\uc778 ATM \uc774\uc6a9 \ud658\uacbd\uc744 \uc6d0\ud558\ub294 \uc601\uad6d \uc5ec\ud589\uc790\uc5d0\uac8c\ub294 Monzo\uac00 \ud3b8\ub9ac\ud55c \uc120\ud0dd\uc785\ub2c8\ub2e4.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Starling_UK\"><\/span>\uc2a4\ud0c8\ub9c1(\uc601\uad6d)<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>Starling\uc740 \uc218\uc218\ub8cc \uc5c6\ub294 \ud574\uc678 \uc1a1\uae08\uc744 \uc81c\uacf5\ud558\ub294 \ub610 \ub2e4\ub978 \uc601\uad6d \ub514\uc9c0\ud138 \uc740\ud589\uc785\ub2c8\ub2e4. \uc885\uc885 Monzo\uc758 \uc8fc\uc694 \uacbd\uc7c1\uc790\ub85c \uac04\uc8fc\ub429\ub2c8\ub2e4.<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>FX:<\/strong> \ub9c8\uc2a4\ud130\uce74\ub4dc \ud658\uc728, \ub9c8\ud06c\uc5c5 \uc5c6\uc74c<\/li>\n\n\n\n<li><strong>\ud574\uc678\uc5d0\uc11c \uce74\ub4dc \uacb0\uc81c:<\/strong> 0% \ud574\uc678 \uac70\ub798 \uc218\uc218\ub8cc<\/li>\n\n\n\n<li><strong>ATM \uc778\ucd9c:<\/strong> \uc778\ucd9c \uc2dc \uc2a4\ud0c8\ub9c1 \uc218\uc218\ub8cc \uc5c6\uc74c(\ud604\uc9c0 \uc6b4\uc601\uc790 \uc218\uc218\ub8cc\ub294 \uacc4\uc18d \uc801\uc6a9\ub420 \uc218 \uc788\uc74c)<\/li>\n\n\n\n<li><strong>\uc8fc\ub9d0 \uc815\ucc45:<\/strong> \uc8fc\ub9d0 \ucd94\uac00 \uc778\uc0c1 \uc5c6\uc74c<\/li>\n<\/ul>\n\n\n\n<p><strong>\uc608\uc2dc:<\/strong> \uc2a4\ud398\uc778\uc758 \ub808\uc2a4\ud1a0\ub791\uc5d0\uc11c Starling\uc73c\ub85c 100\uc720\ub85c\ub97c \uacb0\uc81c\ud558\uba74 \ud604\uc7ac GBP\ub85c \ud658\uc0b0\ud55c \ub9c8\uc2a4\ud130\uce74\ub4dc \ud658\uc728(\ud604\uc7ac \uc57d 86\ud30c\uc6b4\ub4dc)\ub85c \uc815\ud655\ud788 \uacc4\uc0b0\ub429\ub2c8\ub2e4. 2.99%\uac00 \uccad\uad6c\ub418\ub294 \uc77c\ubc18\uc801\uc778 \uc601\uad6d \ud558\uc774\uc2a4\ud2b8\ub9ac\ud2b8 \uc9c1\ubd88\uce74\ub4dc\ub85c \ub3d9\uc77c\ud55c \uae08\uc561\uc744 \uacb0\uc81c\ud558\uba74 \uc57d 88.50\ud30c\uc6b4\ub4dc\uac00 \uccad\uad6c\ub429\ub2c8\ub2e4. \ud55c \ub07c \uc2dd\uc0ac \ube44\uc6a9\uc73c\ub85c 2.50\ud30c\uc6b4\ub4dc\uac00 \uc808\uc57d\ub418\ub294 \uc148\uc785\ub2c8\ub2e4.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Curve\"><\/span>\ucee4\ube0c<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>Curve\ub294 \uae30\uc874 \uc9c1\ubd88\uce74\ub4dc\ub098 \uc2e0\uc6a9\uce74\ub4dc \uc704\uc5d0 \ucd94\uac00\ub418\ub294 \u201c\uba54\ud0c0 \uce74\ub4dc'\ub77c\ub294 \uc810\uc5d0\uc11c \ub2e4\ub978 \ubc29\uc2dd\uc73c\ub85c \uc791\ub3d9\ud569\ub2c8\ub2e4. \uae30\uc874 \uce74\ub4dc\ub97c Curve \uc571\uc5d0 \uc5f0\uacb0\ud55c \ub2e4\uc74c \ud574\uc678\uc5d0\uc11c Curve \uce74\ub4dc\ub97c \uc0ac\uc6a9\ud558\uba74 \ub429\ub2c8\ub2e4. \uc790\uccb4 \ud658\uc728\uc744 \uc801\uc6a9\ud558\uc5ec \ub2e4\uc74c\uacfc \uac19\uc740 \ud61c\ud0dd\uc744 \ub204\ub9b4 \uc218 \uc788\uc2b5\ub2c8\ub2e4. <a href=\"https:\/\/blog.lebara.co.uk\/ko\/6-reasons-to-switch-to-lebara-in-2023\/\">\uc2a4\uc704\uce58<\/a> \uac70\ub798 \ud6c4\uc5d0\ub3c4 \uae30\ubcf8 \uce74\ub4dc\uc5d0 \uc694\uae08\uc774 \uccad\uad6c\ub429\ub2c8\ub2e4.<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>FX:<\/strong> \ubb34\ub8cc \ud2f0\uc5b4\uc5d0\uc11c \uc6d4 \ucd5c\ub300 \u00a3500\uc758 \uc740\ud589 \uac04 \uc694\uae08, \uc774\ud6c4 2%<\/li>\n\n\n\n<li><strong>\ud574\uc678\uc5d0\uc11c \uce74\ub4dc \uacb0\uc81c:<\/strong> \uae30\ubcf8 \uce74\ub4dc\uc758 \uc694\uc728\uc774 \uc544\ub2cc \ucee4\ube0c\uc758 \uc694\uc728\uc744 \uc0ac\uc6a9\ud569\ub2c8\ub2e4.<\/li>\n\n\n\n<li><strong>ATM \uc778\ucd9c:<\/strong> \uc6d4 \ucd5c\ub300 \u00a3200\uae4c\uc9c0 \ubb34\ub8cc, \uc774\ud6c4 2%<\/li>\n\n\n\n<li><strong>\uc8fc\ub9d0 \uc815\ucc45:<\/strong> \ucd94\uac00 \uc778\uc0c1 \uc5c6\uc74c(\ud3c9\uc77c \uc885\uac00 \uc0ac\uc6a9)<\/li>\n<\/ul>\n\n\n\n<p>\ucee4\ube0c\ub294 \uae30\ubcf8 \uce74\ub4dc\uc5d0\uc11c \ubcf4\uc0c1\uc744 \ubc1b\uc73c\uba74\uc11c \ud574\uc678\uc5d0\uc11c \ud574\ub2f9 \uce74\ub4dc\uc758 \ub0ae\uc740 \ud658\uc728\uc744 \ud53c\ud558\ub294 \ub370 \uc720\uc6a9\ud569\ub2c8\ub2e4.<\/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\uc740 \uc720\ub7fd\uc5f0\ud569 \uc804\uc5ed\uc5d0\uc11c \uc774\uc6a9 \uac00\ub2a5\ud55c \ub3c5\uc77c \ub514\uc9c0\ud138 \uc740\ud589\uc785\ub2c8\ub2e4. \ud2b9\ud788 \uc720\ub85c\uc874 \uad6d\uac00\uc5d0 \uac70\uc8fc\ud558\ub294 \uc720\ub7fd\uc778\uacfc \uc678\uad6d\uc778\uc5d0\uac8c \uc778\uae30\uac00 \ub192\uc2b5\ub2c8\ub2e4.<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>FX:<\/strong> \ucd94\uac00 \ub9c8\ud06c\uc5c5\uc774 \uc5c6\ub294 \ub9c8\uc2a4\ud130\uce74\ub4dc \uc694\uae08<\/li>\n\n\n\n<li><strong>\ud574\uc678\uc5d0\uc11c \uce74\ub4dc \uacb0\uc81c:<\/strong> \uc720\ub85c\uc874 \ub0b4\uc5d0\uc11c\ub294 0%, \uc720\ub85c\uc874 \uc678\uc5d0\uc11c\ub294 \uc2a4\ub9c8\ud2b8\/\uc720 \uc694\uae08\uc81c\uc5d0\uc11c 0%, \ubb34\ub8cc \ud2f0\uc5b4\uc5d0\uc11c\ub294 1.7%\ub97c \uc81c\uacf5\ud569\ub2c8\ub2e4.<\/li>\n\n\n\n<li><strong>ATM \uc778\ucd9c:<\/strong> \uc720\ub85c\uc874(\ubb34\ub8cc \ud2f0\uc5b4)\uc5d0\uc11c\ub294 \uc6d4 $3 \ubb34\ub8cc, \uadf8 \uc678 \uc9c0\uc5ed\uc5d0\uc11c\ub294 \ub2ec\ub77c\uc9c8 \uc218 \uc788\uc2b5\ub2c8\ub2e4.<\/li>\n\n\n\n<li><strong>\uc8fc\ub9d0 \uc815\ucc45:<\/strong> \uc8fc\ub9d0 \ucd94\uac00 \uc778\uc0c1 \uc5c6\uc74c<\/li>\n<\/ul>\n\n\n\n<p>\uc720\ub7fd\uc5d0 \uac70\uc8fc\ud558\ub294 \uc5ec\ud589\uc790\uc758 \uacbd\uc6b0, N26\uc740 \uc720\ub7fd \uc804\uc5ed\uc758 \uae30\uc874 \uc740\ud589\ubcf4\ub2e4 \uc800\ub834\ud55c \uc218\uc218\ub8cc\ub97c \uc81c\uacf5\ud569\ub2c8\ub2e4.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Chase_UK\"><\/span>\uc601\uad6d \uccb4\uc774\uc2a4<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>\uccb4\uc774\uc2a4\ub294 2021\ub144 \uc601\uad6d\uc5d0\uc11c \ucd9c\uc2dc\ub418\uc5b4 1% \uce90\uc2dc\ubc31\uacfc \uc218\uc218\ub8cc \uc5c6\ub294 \ud574\uc678 \uc9c0\ucd9c\uc758 \uc870\ud569\uc73c\ub85c \ube60\ub974\uac8c \uc778\uae30\ub97c \uc5bb\uc5c8\uc2b5\ub2c8\ub2e4.<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>FX:<\/strong> \ub9c8\uc2a4\ud130\uce74\ub4dc \uc694\uae08, \ucd94\uac00 \uc778\uc0c1 \uc5c6\uc74c<\/li>\n\n\n\n<li><strong>\ud574\uc678\uc5d0\uc11c \uce74\ub4dc \uacb0\uc81c:<\/strong> 0% \ud574\uc678 \uac70\ub798 \uc218\uc218\ub8cc<\/li>\n\n\n\n<li><strong>ATM \uc778\ucd9c:<\/strong> \uccb4\uc774\uc2a4 \uc218\uc218\ub8cc \uc5c6\uc74c(\ud604\uc9c0 \uc6b4\uc601\uc790 \uc218\uc218\ub8cc\uac00 \uc801\uc6a9\ub420 \uc218 \uc788\uc74c)<\/li>\n\n\n\n<li><strong>\uce90\uc2dc\ubc31:<\/strong> \uccab 12\uac1c\uc6d4 \ub3d9\uc548\uc758 \ubaa8\ub4e0 \uc9c0\ucd9c\uc5d0 \ub300\ud574 1%<\/li>\n<\/ul>\n\n\n\n<p>\uc601\uad6d \uac70\uc8fc\uc790\uc5d0\uac8c\ub294 \uce90\uc2dc\ubc31\uacfc \uc218\uc218\ub8cc \uc5c6\ub294 \ud574\uc678 \uc774\uc6a9\uc774\ub77c\ub294 \ubcf4\uae30 \ub4dc\ubb38 \uc870\ud569\uc744 \uc81c\uacf5\ud558\ub294 \uccb4\uc774\uc2a4 UK\ub294 \uc77c\uc0c1\uc801\uc778 \uc740\ud589 \uc5c5\ubb34\uc640 \uc5ec\ud589 \ubaa8\ub450\uc5d0 \uc801\ud569\ud569\ub2c8\ub2e4.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"How_to_Choose\"><\/span>\uc120\ud0dd \ubc29\ubc95<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>\uc218\uc218\ub8cc \uc5c6\ub294 \uce74\ub4dc \uacb0\uc81c\ub97c \uc6b0\uc120\uc2dc\ud558\uc2dc\ub098\uc694?<\/strong> \ubaac\uc870, \uc2a4\ud0c8\ub9c1 \ub610\ub294 \uccb4\uc774\uc2a4 UK<\/li>\n\n\n\n<li><strong>\uac15\ub825\ud55c ATM \uc218\ub2f9\uc774 \ud544\uc694\ud558\uc2e0\uac00\uc694?<\/strong> \uc640\uc774\uc988 \ub610\ub294 \uc2a4\ud0c8\ub9c1<\/li>\n\n\n\n<li><strong>\uc5ec\ub7ec \ud1b5\ud654 \ubcf4\uc720 \ubc0f \uc1a1\uae08\uc744 \uc6d0\ud558\uc2dc\ub098\uc694?<\/strong> Wise \ub610\ub294 Revolut<\/li>\n\n\n\n<li><strong>EU\uc5d0 \uac70\uc8fc\ud558\uc2dc\ub098\uc694?<\/strong> N26 \ub610\ub294 Revolut<\/li>\n\n\n\n<li><strong>\uae30\uc874 \uce74\ub4dc\uc5d0 \ub808\uc774\uc5b4\ub9c1\ud558\uace0 \uc2f6\uc73c\uc2e0\uac00\uc694?<\/strong> \ucee4\ube0c<\/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>\ud574\uc678\uc5d0\uc11c \ud604\uae08 \uc778\ucd9c\uae30(ATM) \uc218\uc218\ub8cc\ub97c \ud53c\ud558\ub294 \ubc29\ubc95<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>\ub9ce\uc740 \uc5ec\ud589\uc790\uac00 \ud604\uae08 \uc778\ucd9c\uae30\uc5d0\uc11c \uacfc\ub2e4 \uc9c0\ubd88\ud558\ub294 \uacbd\uc6b0\uac00 \ub9ce\uc2b5\ub2c8\ub2e4. \uc740\ud589 \uc218\uc218\ub8cc, ATM \ud560\uc99d\ub8cc, DCC\uc758 \uc870\ud569\uc73c\ub85c \uc778\ud574 \uac04\ub2e8\ud55c \ud604\uae08 \uc778\ucd9c\uc774 \ud070 \uc2e4\uc218\ub85c \uc774\uc5b4\uc9c8 \uc218 \uc788\uc2b5\ub2c8\ub2e4. \uc2a4\ub9c8\ud2b8 \uce74\ub4dc\uc640 \uba87 \uac00\uc9c0 \uaddc\uce59\ub9cc \uc798 \uc9c0\ud0a4\uba74 \uc774\ub7ec\ud55c \ube44\uc6a9\uc744 \ud06c\uac8c \uc904\uc77c \uc218 \uc788\uc2b5\ub2c8\ub2e4.<\/p>\n\n\n\n<p><strong>\ud754\ud788 \ubc1c\uc0dd\ud558\ub294 ATM \uc218\uc218\ub8cc:<\/strong><\/p>\n\n\n\n<figure class=\"wp-block-table\"><table class=\"has-fixed-layout\"><tbody><tr><th>\uc218\uc218\ub8cc \uc720\ud615<\/th><th>\uc77c\ubc18\uc801\uc778 \uae08\uc561<\/th><th>\uccad\uad6c\ud558\ub294 \uc0ac\ub78c<\/th><\/tr><tr><td>\uc740\ud589\/\uc571\uc758 \uc778\ucd9c \uc218\uc218\ub8cc<\/td><td>0%-3% \ub610\ub294 \uc815\uc561 \uc694\uae08<\/td><td>\uce74\ub4dc \uc81c\uacf5\uc5c5\uccb4<\/td><\/tr><tr><td>\ud604\uc9c0 ATM \uc6b4\uc601\uc790 \ucd94\uac00 \uc694\uae08<\/td><td>\u20ac2-\u20ac6 \/ $3-$7<\/td><td>ATM \uc18c\uc720\uc790<\/td><\/tr><tr><td>FX \ub9c8\ud06c\uc5c5<\/td><td>1%-3%<\/td><td>\uce74\ub4dc \uc81c\uacf5\uc5c5\uccb4<\/td><\/tr><tr><td>\ub3d9\uc801 \ud1b5\ud654 \ubcc0\ud658<\/td><td>5%-8%<\/td><td>ATM \uc6b4\uc601\uc790<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p><strong>ATM \ube44\uc6a9\uc744 \ucd5c\uc18c\ud654\ud558\ub294 \ubc29\ubc95:<\/strong><\/p>\n\n\n\n<ol class=\"wp-block-list\">\n<li><strong>ATM \uc218\uc218\ub8cc\uac00 \ubb34\ub8cc\uc778 \uce74\ub4dc \uc0ac\uc6a9<\/strong> - \uc640\uc774\uc988, \ub808\ubcfc\ub8e8\ud2b8, \ubaac\uc870, \uc2a4\ud0c8\ub9c1, N26\uc740 \ubaa8\ub450 \ud574\uc678 \ubb34\ub8cc \uc778\ucd9c\uc5d0 \uc6d4\ubcc4 \ud55c\ub3c4\ub97c \uc81c\uacf5\ud569\ub2c8\ub2e4.<\/li>\n\n\n\n<li><strong>\uc8fc\uc694 \uc740\ud589 ATM \uc120\ud0dd<\/strong> - \uc720\ub85c\ub137, \ud2b8\ub798\ube14\uc5d1\uc2a4, \uce74\ub4dc\ud2b8\ub85c\ub2c9\uc2a4 \uac19\uc740 \ub3c5\ub9bd ATM\uc740 \ud53c\ud558\uc138\uc694. \uc774\ub4e4\uc740 \uc885\uc885 \ub354 \ub192\uc740 \uc218\uc218\ub8cc\ub97c \ubd80\uacfc\ud558\uace0 \uacf5\uaca9\uc801\uc73c\ub85c DCC\ub97c \uac15\uc694\ud569\ub2c8\ub2e4. \uc2e4\uc81c \uc740\ud589 \uc9c0\uc810\uc5d0 \uc788\ub294 \uc740\ud589 \ube0c\ub79c\ub4dc \uae30\uacc4\ub294 \uc77c\ubc18\uc801\uc73c\ub85c \ube44\uc6a9\uc774 \uc800\ub834\ud558\uac70\ub098 \ucd94\uac00 \uc694\uae08\uc774 \uc5c6\uc2b5\ub2c8\ub2e4.<\/li>\n\n\n\n<li><strong>\ud56d\uc0c1 \ud604\uc9c0 \ud1b5\ud654 \uc120\ud0dd<\/strong> - \ud654\uba74\uc5d0 \u201cGBP\ub85c \ucd9c\uae08\ud558\uc2dc\uaca0\uc2b5\ub2c8\uae4c?\u201d \ub610\ub294 \u201c\uc790\uad6d \ud1b5\ud654\ub85c \uc804\ud658\ud558\uc2dc\uaca0\uc2b5\ub2c8\uae4c?\u201d\ub77c\ub294 \uba54\uc2dc\uc9c0\uac00 \ud45c\uc2dc\ub418\uba74 \uac70\uc808\ud569\ub2c8\ub2e4. \uc774\ub807\uac8c \ud558\uba74 DCC \ub9c8\ud06c\uc5c5\uc744 \uc644\uc804\ud788 \ud53c\ud560 \uc218 \uc788\uc2b5\ub2c8\ub2e4.<\/li>\n\n\n\n<li><strong>\ub354 \uc801\uc740 \uae08\uc561\uc73c\ub85c \ub354 \uc790\uc8fc \uc778\ucd9c<\/strong> - \uc778\ucd9c\ub2f9 \uace0\uc815 \uc218\uc218\ub8cc 3\uc720\ub85c\uac00 \uc801\uc6a9\ub418\ub294 \uacbd\uc6b0, 100\uc720\ub85c\ub97c \uc138 \ubc88 \uc778\ucd9c\ud558\ub294 \uac83\ubcf4\ub2e4 300\uc720\ub85c\ub97c \ud55c \ubc88 \uc778\ucd9c\ud558\ub294 \uac83\uc774 \ub354 \ub0ab\uc2b5\ub2c8\ub2e4. \uc548\uc804 \ubc0f \uc608\uc0b0\uacfc \uade0\ud615\uc744 \ub9de\ucd94\uc138\uc694.<\/li>\n<\/ol>\n\n\n\n<p>\ud0dc\uad6d, \ubbf8\uad6d \uc77c\ubd80 \uc9c0\uc5ed, \ub0a8\ubbf8 \ub4f1 \uc77c\ubd80 \uc5ec\ud589\uc9c0\uc5d0\uc11c\ub294 ATM \ucd94\uac00 \uc694\uae08\uc774 \uac70\uc758 \ubd88\uac00\ud53c\ud569\ub2c8\ub2e4. \ud604\uc9c0 \uae30\uacc4\ub294 \uc77c\ubc18\uc801\uc73c\ub85c \uce74\ub4dc\uc5d0 \uad00\uacc4\uc5c6\uc774 200-250\ubc14\ud2b8(\uc57d 5~6\ud30c\uc6b4\ub4dc) \ub610\ub294 $3-5\ub97c \uccad\uad6c\ud569\ub2c8\ub2e4. \uc218\uc218\ub8cc\uac00 \ub0ae\uc740 \uc5ec\ud589\uc6a9 \uce74\ub4dc\ub97c \uc0ac\uc6a9\ud558\uc5ec \uc740\ud589 \ubc0f DCC \ucd94\uac00 \uc218\uc218\ub8cc\ub97c \ud53c\ud558\ub294 \uac83\uc774 \ucd5c\uc120\uc785\ub2c8\ub2e4.<\/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\ub144 \ud574\uc678\uc5d0\uc11c ATM\uc744 \uc0ac\uc6a9\ud558\uae30 \uc704\ud55c \ubaa8\ubc94 \uc0ac\ub840<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>\ub2e4\uc74c\uc740 \uc5ec\ud589 \uc804\uacfc \uc5ec\ud589\uc9c0\uc5d0\uc11c \uc0ac\uc6a9\ud560 \uc218 \uc788\ub294 \uc2e4\uc6a9\uc801\uc778 \uccb4\ud06c\ub9ac\uc2a4\ud2b8\uc785\ub2c8\ub2e4.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Before_Departure\"><\/span>\ucd9c\ubc1c \uc804<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>\uc77c\uc77c \ubc0f \uc6d4\uac04 ATM \ud55c\ub3c4 \ud655\uc778<\/strong> - \ud544\uc694\ud55c \uacbd\uc6b0 \uc571\uc744 \ud1b5\ud574 \uc77c\uc2dc\uc801\uc73c\ub85c \uc62c\ub9ac\uc138\uc694.<\/li>\n\n\n\n<li><strong>\uac15\ub825\ud55c \uc778\uc99d \uc124\uc815<\/strong> - \uc0dd\uccb4 \uc778\uc2dd \ub85c\uadf8\uc778, PIN \ubcf4\ud638, \uc2e4\uc2dc\uac04 \uc9c0\ucd9c \uc54c\ub9bc<\/li>\n\n\n\n<li><strong>\ucd5c\uc18c \ub450 \uc7a5\uc758 \ub2e4\ub978 \uce74\ub4dc\ub97c \uac00\uc838\uac11\ub2c8\ub2e4.<\/strong> - \uc608: Wise\uc640 \uc9d1 \uc740\ud589 \uacc4\uc88c \uc9c1\ubd88 \uce74\ub4dc, \ub2e4\uc74c\uacfc \uac19\uc740 \uacbd\uc6b0 <a href=\"https:\/\/blog.lebara.co.uk\/ko\/lost-your-smartphone-heres-how-to-track-and-retrieve-it-safely\/\">\uc783\uc5b4\ubc84\ub9b0<\/a>, <a href=\"https:\/\/blog.lebara.co.uk\/ko\/what-to-do-if-your-phone-is-stolen\/\">\ub3c4\ub09c<\/a>, \ub610\ub294 \ucc28\ub2e8\ub428<\/li>\n\n\n\n<li><strong>\uce74\ub4dc\uc758 \uc218\uc218\ub8cc \uad6c\uc870 \ud30c\uc545\ud558\uae30<\/strong> - ATM \ubb34\ub8cc \uc778\ucd9c \uae08\uc561\uacfc \uc778\ucd9c \ud6c4 \uc801\uc6a9\ub418\ub294 \uc218\uc218\ub8cc\ub97c \uc815\ud655\ud788 \uc54c \uc218 \uc788\uc2b5\ub2c8\ub2e4.<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"At_the_ATM\"><\/span>ATM\uc5d0\uc11c<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>\uc8fc\uc694 \uc740\ud589 \uc9c0\uc810 \ub0b4\ubd80 \ub610\ub294 \uc9c0\uc810\uc5d0 \ubd80\ucc29\ub41c \uae30\uae30\ub97c \uc120\ud0dd\ud558\uc138\uc694.<\/strong> \uac00\ub2a5\ud558\uba74 \uadfc\ubb34 \uc2dc\uac04 \uc911\uc5d0 \uc774\uc6a9\ud558\ub294 \uac83\uc774 \ub354 \uc548\uc804\ud558\uba70 \uc77c\ubc18\uc801\uc73c\ub85c \uc218\uc218\ub8cc\uac00 \uc800\ub834\ud569\ub2c8\ub2e4.<\/li>\n\n\n\n<li><strong>\uc790\uad6d \ud1b5\ud654\ub85c \uccad\uad6c\ud558\ub77c\ub294 \ud654\uba74\uc758 \uc81c\uc548\uc744 \uac70\ubd80\ud569\ub2c8\ub2e4.<\/strong> - \uc774\uac83\uc740 DCC\uc774\uba70 \ud56d\uc0c1 \ub354 \ub9ce\uc740 \ube44\uc6a9\uc774 \ub4ed\ub2c8\ub2e4.<\/li>\n\n\n\n<li><strong>\ucd94\uac00 \uc694\uae08 \uba54\uc2dc\uc9c0\ub97c \uc8fc\uc758 \uae4a\uac8c \uc77d\uc5b4\ubcf4\uc138\uc694.<\/strong> - \uc218\uc218\ub8cc\uac00 \uacfc\ub3c4\ud558\ub2e4\uace0 \uc0dd\uac01\ub418\uba74 \ucde8\uc18c\ud558\uace0 \uac00\uae4c\uc6b4 \ub2e4\ub978 ATM\uc744 \uc774\uc6a9\ud558\uc138\uc694.<\/li>\n\n\n\n<li><strong>\ube44\ubc00\ubc88\ud638 \uac00\ub9ac\uae30<\/strong> - \ud569\ubc95\uc801\uc778 \uae30\uacc4\uc5d0\uc11c\ub3c4 \uce74\ub4dc \uc2a4\ud0a4\ubc0d\uc740 \uc5ec\uc804\ud788 \uc874\uc7ac\ud569\ub2c8\ub2e4.<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Budgeting_Your_Cash_Needs\"><\/span>\ud604\uae08 \uc218\uc694 \uc608\uc0b0 \ucc45\uc815<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>\ub300\ub7b5\uc801\uc778 \ud604\uae08 \uc694\uad6c \uc0ac\ud56d \uacc4\ud68d<\/strong> \ud2b9\ud788 \uc77c\ubcf8, \ubca0\ud2b8\ub0a8 \ub610\ub294 \ub0a8\uc720\ub7fd \uc77c\ubd80 \uad6d\uac00\uc640 \uac19\uc774 \ud604\uae08\uc744 \ub9ce\uc774 \uc0ac\uc6a9\ud558\ub294 \uad6d\uac00\uc758 \uacbd\uc6b0<\/li>\n\n\n\n<li><strong>\ud070 \uae08\uc561\uc758 \uce74\ub4dc \uacb0\uc81c \uc120\ud638<\/strong> \uc5ec\ud589 \uce74\ub4dc\uac00 0% FX\ub97c \uc81c\uacf5\ud558\ub294 \uacbd\uc6b0<\/li>\n\n\n\n<li><strong>\uc18c\uc561 \ube44\uc0c1 \ud604\uae08 \ubcf4\uad00<\/strong> \uc8fc\uc694 \ud1b5\ud654(USD \ub610\ub294 EUR)\ub97c \ubc31\uc5c5\uc73c\ub85c \uc0ac\uc6a9\ud558\uc9c0\ub9cc \uc8fc\ub85c \uc218\uc218\ub8cc\uac00 \uc800\ub834\ud55c \uc571\uc5d0 \uc758\uc874\ud569\ub2c8\ub2e4.<\/li>\n<\/ul>\n\n\n\n<p>\uc758\uc2ec\uc2a4\ub7ec\uc6b4 \uc810\uc774 \ubc1c\uacac\ub418\uba74 \uc571\uc758 \uc989\uc2dc \uc815\uc9c0\/\uc815\uc9c0 \ud574\uc81c \uae30\ub2a5\uc744 \uc0ac\uc6a9\ud558\uba74 \uc870\uc0ac\ud558\ub294 \ub3d9\uc548 \uba87 \ubc88\uc758 \ud0ed\uc73c\ub85c \uce74\ub4dc\ub97c \uc989\uc2dc \ucc28\ub2e8\ud560 \uc218 \uc788\uc2b5\ub2c8\ub2e4.<\/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>\uc5ec\ud589\uc6a9 \uc9c0\uac11\uacfc \ub2e4\uc911 \ud1b5\ud654 \uce74\ub4dc\uc758 \ube44\uad50 \ubc29\ubc95<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>\u201c\uc774\uc81c \u201d\uc5ec\ud589 \uce74\ub4dc'\ub294 \ub2e8\uc21c\ud55c \uc120\ubd88 \uce74\ub4dc\ubd80\ud130 \ud604\uc9c0 \uc740\ud589 \uacc4\uc88c \uc815\ubcf4\uac00 \ud3ec\ud568\ub41c \uc804\uccb4 \ub2e4\uc911 \ud1b5\ud654 \uc9c0\uac11\uae4c\uc9c0 \ub2e4\uc591\ud569\ub2c8\ub2e4. \ucc28\uc774\uc810\uc744 \uc774\ud574\ud558\uba74 \uc62c\ubc14\ub978 \ub3c4\uad6c\ub97c \uc120\ud0dd\ud558\ub294 \ub370 \ub3c4\uc6c0\uc774 \ub429\ub2c8\ub2e4.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Main_Types\"><\/span>\uc8fc\uc694 \uc720\ud615<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>\uc720\ud615<\/th><th>\uc608\uc81c<\/th><th>\ucd5c\uc0c1\uc758 \ub300\uc0c1<\/th><\/tr><tr><td><strong>\ub2e4\uc911 \ud1b5\ud654 \uc9c1\ubd88 \uce74\ub4dc<\/strong><\/td><td>Wise, Revolut, N26, Monzo, Starling<\/td><td>\uc720\uc5f0\ud55c \uc9c0\ucd9c \ubc0f \uc5ec\ub7ec \ud1b5\ud654 \ubcf4\uc720<\/td><\/tr><tr><td><strong>\uc120\ubd88 \uc5ec\ud589 \uce74\ub4dc<\/strong><\/td><td>\uce75\uc2a4\ud1a4, \uc6b0\uccb4\uad6d, \ud56d\uacf5\uc0ac\/\uc288\ud37c\ub9c8\ucf13 \uce74\ub4dc<\/td><td>\uc5c4\uaca9\ud55c \uc608\uc0b0 \ucc45\uc815, \uc694\uae08 \uace0\uc815<\/td><\/tr><tr><td><strong>\ub514\uc9c0\ud138 \uc9c0\uac11 \uc624\ubc84\ub808\uc774<\/strong><\/td><td>\ucee4\ube0c, <a href=\"https:\/\/blog.lebara.co.uk\/ko\/a-guide-to-the-top-iphones-for-business-and-pleasure\/\">Apple<\/a> Pay, Google Pay<\/td><td>\uae30\uc874 \uce74\ub4dc\uc5d0 \ub808\uc774\uc5b4\ub9c1<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Multi-Currency_Wallets\"><\/span>\ub2e4\uc911 \ud1b5\ud654 \uc9c0\uac11<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>\uc774\ub97c \ud1b5\ud574 EUR, USD, AUD \ub4f1 \uc5ec\ub7ec \uc678\ud654 \uacc4\uc88c\uc5d0 \uc794\uc561\uc744 \ubcf4\uc720\ud560 \uc218 \uc788\uc2b5\ub2c8\ub2e4. \ud658\uc728\uc774 \uc720\ub9ac\ud560 \ub54c \ud658\uc804\uc744 \ud558\uace0 \ub098\uc911\uc5d0 \ucd94\uac00 \ud658\uc804 \uc5c6\uc774 \ud574\ub2f9 \uc794\uc561\uc5d0\uc11c \uc9c0\ucd9c\ud560 \uc218 \uc788\uc2b5\ub2c8\ub2e4.<\/p>\n\n\n\n<p><strong>\uac15\uc810:<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>\uc911\uac04 \uc2dc\uc7a5 \ub610\ub294 \uc911\uac04 \uc2dc\uc7a5\uc5d0 \uac00\uae4c\uc6b4 \ud658\uc728<\/li>\n\n\n\n<li>\uc571 \ub0b4\uc5d0\uc11c \ud1b5\ud654 \uac04 \uac04\ub2e8\ud55c \uc804\ud658<\/li>\n\n\n\n<li>\uc1a1\uae08 \uc218\ucde8\ub97c \uc704\ud55c \ud604\uc9c0 \uc740\ud589 \uacc4\uc88c \uc815\ubcf4\ub97c \ud3ec\ud568\ud558\ub294 \uacbd\uc6b0\uac00 \ub9ce\uc2b5\ub2c8\ub2e4. <a href=\"https:\/\/blog.lebara.co.uk\/ko\/how-to-transfer-apps-to-a-new-phone\/\">\uc804\uc1a1<\/a> \uacb0\uc81c<\/li>\n\n\n\n<li>\uae30\uc874 \uc740\ud589\ubcf4\ub2e4 \uc800\ub834\ud55c \uad6d\uc81c \uc1a1\uae08 \uc218\uc218\ub8cc<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Prepaid_Travel_Cards\"><\/span>\uc120\ubd88 \uc5ec\ud589 \uce74\ub4dc<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>\uc6b0\uccb4\uad6d, \uc288\ud37c\ub9c8\ucf13 \ub610\ub294 \uc804\ubb38 \uc5c5\uccb4\uc5d0\uc11c \ud310\ub9e4\ud558\ub294 \uc120\ubd88\uce74\ub4dc\ub97c \uc0ac\uc6a9\ud558\uba74 \uc5ec\ud589 \uc804\uc5d0 \uace0\uc815\ub41c \uc694\uc728\ub85c \ub3c8\uc744 \ucda9\uc804\ud560 \uc218 \uc788\uc2b5\ub2c8\ub2e4.<\/p>\n\n\n\n<p><strong>\uac15\uc810:<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>\uc5c4\uaca9\ud55c \uc608\uc0b0 \uad00\ub9ac\uc5d0 \uc801\ud569 - \ub85c\ub4dc\ud55c \ub9cc\ud07c\ub9cc \uc9c0\ucd9c\ud560 \uc218 \uc788\uc2b5\ub2c8\ub2e4.<\/li>\n\n\n\n<li>\ubbf8\ub9ac \ub85c\ub4dc\ud558\ub294 \uacbd\uc6b0 \uc694\uae08 \ubcf4\ud638 \uae30\ub2a5\uc744 \uc81c\uacf5\ud558\ub294 \uc81c\ud488\ub3c4 \uc788\uc2b5\ub2c8\ub2e4.<\/li>\n\n\n\n<li>\uc720\uc6a9\ud55c \ubc31\uc5c5 \uce74\ub4dc<\/li>\n<\/ul>\n\n\n\n<p><strong>\uc57d\uc810:<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>\uc640\uc774\uc988\/\ub808\ubcfc\ub8e8\ud2b8\uc5d0 \ube44\ud574 \uc7ac\ucda9\uc804 \uc218\uc218\ub8cc, \ube44\ud65c\uc131 \uc218\uc218\ub8cc \ub610\ub294 \ub0ae\uc740 \ud658\uc728\uc774 \uc801\uc6a9\ub420 \uc218 \uc788\uc2b5\ub2c8\ub2e4.<\/li>\n\n\n\n<li>\uc571 \uae30\ubc18 \ub300\uc548\uc5d0 \ube44\ud574 \uc720\uc5f0\uc131\uc774 \ub5a8\uc5b4\uc9d0<\/li>\n\n\n\n<li>\uc628\ub77c\uc778 \uc1fc\ud551\uacfc \ub514\uc9c0\ud138 \uc9c0\uac11 \ud1b5\ud569\uc774 \ub204\ub77d\ub418\ub294 \uacbd\uc6b0\uac00 \ub9ce\uc2b5\ub2c8\ub2e4.<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Digital_Wallets\"><\/span>\ub514\uc9c0\ud138 \uc9c0\uac11<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>Apple Pay \ubc0f Google Pay\ub97c \uc0ac\uc6a9\ud558\uba74 \ud734\ub300\ud3f0\uc774\ub098 \uc2dc\uacc4\ub97c \ud1b5\ud574 Wise, Revolut \ub610\ub294 \uc740\ud589 \uce74\ub4dc\ub97c \uc0ac\uc6a9\ud560 \uc218 \uc788\uc2b5\ub2c8\ub2e4. Curve\ub294 \uc911\uac1c\uc790 \uc5ed\ud560\uc744 \ud569\ub2c8\ub2e4. \uc0ac\uc6a9\uc790\uac00 Curve \uce74\ub4dc(\uc2e4\uc81c \uce74\ub4dc \ub610\ub294 Apple Pay\/Google Pay\ub97c \ud1b5\ud574)\ub97c \ud0ed\ud558\uba74 Curve\uac00 \uc120\ud0dd\ud55c \uae30\ubcf8 \uce74\ub4dc\uc5d0 \uc694\uae08\uc744 \uccad\uad6c\ud569\ub2c8\ub2e4.<\/p>\n\n\n\n<p>2025\ub144 \ub300\ubd80\ubd84\uc758 \uc5ec\ud589\uc790\uc5d0\uac8c\ub294 \uc9c0\ucd9c\uc5d0 0% FX\uac00 \uc801\uc6a9\ub418\uace0 \uc81c\ud55c\ub41c \ubb34\ub8cc ATM \uc0ac\uc6a9\uc774 \uac00\ub2a5\ud55c \ub2e4\uc911 \ud1b5\ud654 \uc9c1\ubd88\uce74\ub4dc \ub610\ub294 \uc571 \uae30\ubc18 \uc740\ud589\uc774 \uac00\uc7a5 \uc720\uc5f0\ud558\uace0 \ube44\uc6a9 \ud6a8\uc728\uc801\uc778 \uc635\uc158\uc785\ub2c8\ub2e4. \uc120\ubd88 \uce74\ub4dc\ub294 \uace0\uc815\ub41c \ud734\uac00 \uc608\uc0b0\uc744 \ubcf4\ub2e4 \ud6a8\uc728\uc801\uc73c\ub85c \uad00\ub9ac\ud558\uace0 \uc2f6\uc740 \ubd84\ub4e4\uc744 \uc704\ud55c \ubc31\uc5c5 \uc218\ub2e8\uc785\ub2c8\ub2e4.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Example_Setups_for_Different_Traveller_Types\"><\/span>\ub2e4\uc591\ud55c \uc5ec\ud589\uc790 \uc720\ud615\uc5d0 \ub300\ud55c \uc124\uc815 \uc608\uc2dc<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>\ub2e4\uc591\ud55c \uc5ec\ud589 \uc2dc\ub098\ub9ac\uc624\uc5d0\uc11c \uc571\uacfc \uce74\ub4dc\ub97c \uacb0\ud569\ud558\uc5ec \uc218\uc218\ub8cc\ub97c \ucd5c\uc18c\ud654\ud558\ub294 \ubc29\ubc95\uc740 \ub2e4\uc74c\uacfc \uac19\uc2b5\ub2c8\ub2e4.<\/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>\uc601\uad6d \ub3c4\uc2dc \uc5ec\ud589\uc790: \uc720\ub7fd\uc5d0\uc11c\uc758 4\uc77c \uc5ec\ud589<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p><strong>\uc124\uc815:<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>\uba54\uc778 \uce74\ub4dc:<\/strong> \uc77c\uc0c1 \uacb0\uc81c\uc6a9 Monzo \ub610\ub294 Starling(0% FX)<\/li>\n\n\n\n<li><strong>\ubc31\uc5c5:<\/strong> \ubb34\ub8cc \ud55c\ub3c4\uae4c\uc9c0 ATM \uc778\ucd9c\uc774 \uac00\ub2a5\ud55c \ud604\uba85\ud55c \uce74\ub4dc<\/li>\n\n\n\n<li><strong>\uae34\uae09 \uc0c1\ud669:<\/strong> \uad6d\ub0b4 \uc740\ud589 \uc9c1\ubd88\uce74\ub4dc \ub610\ub294 \uc2e0\uc6a9\uce74\ub4dc(\ud638\ud154 \uae08\uace0\uc5d0 \ubcf4\uad00)<\/li>\n<\/ul>\n\n\n\n<p><strong>\uc608\uc0c1 \uc808\uac10\uc561:<\/strong> \uae30\uc874 \uc601\uad6d \uc740\ud589\uc5d0\uc11c 2.99% \ud658\uc728\uc744 \uc801\uc6a9\ud558\uc5ec 800\ud30c\uc6b4\ub4dc\uc758 \ud734\uac00 \ube44\uc6a9\uc744 \uc9c0\ucd9c\ud560 \uacbd\uc6b0 \uc57d 24\ud30c\uc6b4\ub4dc\uc758 \uc218\uc218\ub8cc\ub97c \uc9c0\ubd88\ud574\uc57c \ud569\ub2c8\ub2e4. Monzo\/Starling\uc744 \uc0ac\uc6a9\ud558\uba74 0\ud30c\uc6b4\ub4dc\ub97c \uc9c0\ubd88\ud558\uba74 \uadfc\uc0ac\ud55c \uc800\ub141 \uc2dd\uc0ac\ub97c \uc990\uae38 \uc218 \uc788\uc744 \ub9cc\ud07c \uc808\uc57d\ub429\ub2c8\ub2e4.<\/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>\ub514\uc9c0\ud138 \ub178\ub9c8\ub4dc: \uc720\ub7fd\uacfc \uc544\uc2dc\uc544\uc5d0\uc11c\uc758 3\uac1c\uc6d4<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p><strong>\uc124\uc815:<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>\uae30\ubcf8 \uacc4\uc815:<\/strong> \uc5ec\ub7ec \ud1b5\ud654\ub85c \uae09\uc5ec\ub97c \ubc1b\uace0 \uc5ec\ub7ec \ud1b5\ud654 \uc9c0\uac11\uc744 \uad00\ub9ac\ud560 \uc218 \uc788\ub294 Wise \ub610\ub294 Revolut<\/li>\n\n\n\n<li><strong>\ubcf4\uc870:<\/strong> \uac00\ub2a5\ud55c \uacbd\uc6b0 \ud604\uc9c0 \uc740\ud589 \uacc4\uc88c(\ud604\uc9c0 \uc815\uae30 \uacb0\uc81c\uc5d0 \uc720\uc6a9)<\/li>\n\n\n\n<li><strong>ATM \uc804\ub7b5:<\/strong> \ud070 \uae08\uc561\uc740 \ub35c \uc790\uc8fc \uc778\ucd9c\ud558\uace0, \uc8fc\uc694 \uc740\ud589\ub9cc \uc774\uc6a9\ud558\uace0, \ud56d\uc0c1 DCC\ub97c \uac70\ubd80\ud558\uc138\uc694.<\/li>\n<\/ul>\n\n\n\n<p><strong>\uc5f0\uac04 \uc608\uc0c1 \uc808\uac10\uc561:<\/strong> \uc77c\ubc18 \uc740\ud589 \uce74\ub4dc(2.99% \uc678\ud658 + ATM \uc218\uc218\ub8cc)\ub85c \ud574\uc678\uc5d0\uc11c \uc6d4 2,000\ud30c\uc6b4\ub4dc\ub97c \uc9c0\ucd9c\ud558\ub294 \ub178\ub9c8\ub4dc\ub294 \uc228\uaca8\uc9c4 \uc218\uc218\ub8cc\ub85c \uc5f0\uac04 800\ud30c\uc6b4\ub4dc \uc774\uc0c1\uc744 \uc9c0\ubd88\ud560 \uc218 \uc788\uc2b5\ub2c8\ub2e4. Wise\/Revolut\uacfc \uc2a4\ub9c8\ud2b8\ud55c ATM \uc0ac\uc6a9 \uc2b5\uad00\uc744 \uc0ac\uc6a9\ud558\uba74 \uc774 \uae08\uc561\uc774 100\ud30c\uc6b4\ub4dc \ubbf8\ub9cc\uc73c\ub85c \ub5a8\uc5b4\uc9d1\ub2c8\ub2e4.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"US-Based_Parent_Supporting_a_Student_Abroad\"><\/span>\ubbf8\uad6d\uc5d0 \uac70\uc8fc\ud558\ub294 \ud559\ubd80\ubaa8: \ud574\uc678\uc5d0 \uc788\ub294 \ud559\uc0dd \uc9c0\uc6d0\ud558\uae30<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p><strong>\uc124\uc815:<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>\uc804\uc1a1 \ubc29\ubc95:<\/strong> USD\uc5d0\uc11c EUR \ub610\ub294 GBP\ub85c \uc1a1\uae08\ud560 \ub54c \ud604\uba85\ud568(\uc740\ud589 \uc1a1\uae08\ubcf4\ub2e4 \uacbd\uc7c1\ub825 \uc788\ub294 \ud658\uc728)<\/li>\n\n\n\n<li><strong>\ud559\uc0dd\uc774 \uc218\uc2e0\ud569\ub2c8\ub2e4:<\/strong> \uc640\uc774\uc988 \ub610\ub294 \ub808\ubcfc\ub8e8\ud2b8\uac00 \uc788\ub294 \ub2e4\uc911 \ud1b5\ud654 \uc9c0\uac11<\/li>\n\n\n\n<li><strong>\ud559\uc0dd \uc9c0\ucd9c:<\/strong> \ud574\uc678 \uc9c1\ubd88\uce74\ub4dc \ub610\ub294 \uc2e0\uc6a9\uce74\ub4dc\ub97c 0% FX\uc640 \uc5f0\uacb0\ud558\uace0 ATM \uc778\ucd9c \ud55c\ub3c4\ub97c \uc81c\uc5b4\ud569\ub2c8\ub2e4.<\/li>\n<\/ul>\n\n\n\n<p><strong>\uc608\uc0c1 \uc808\uac10\uc561:<\/strong> \ud658\uc728\uc774 \uc88b\uc9c0 \uc54a\uc740 \uae30\uc874 \uc740\ud589 \uc1a1\uae08\uc744 \ud1b5\ud574 \uc6d4 $500\uc744 \uc1a1\uae08\ud558\uba74 \ucd1d \uc218\uc218\ub8cc\ub85c \uc6d4 $30-40\uc774 \ubd80\uacfc\ub420 \uc218 \uc788\uc2b5\ub2c8\ub2e4. Wise\ub294 \uc77c\ubc18\uc801\uc73c\ub85c \uc5f0\uac04 $200-300\uc744 \uc808\uc57d\ud560 \uc218 \uc788\ub294 \ub3d9\uc77c\ud55c \uc1a1\uae08\uc5d0 \ub300\ud574 $5-10\uc744 \uccad\uad6c\ud569\ub2c8\ub2e4.<\/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>\ub354 \uc2a4\ub9c8\ud2b8\ud55c \ud574\uc678 \uc9c0\ucd9c\uacfc \ud604\uae08 \uc0ac\uc6a9\uc744 \uc704\ud55c \ub9c8\uc9c0\ub9c9 \ud301<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>\uc138 \uac00\uc9c0 \uc8fc\uc694 \ub808\ubc84\ub85c \ud574\uc678 \ube44\uc6a9\uc744 \uad00\ub9ac\ud560 \uc218 \uc788\uc2b5\ub2c8\ub2e4:<\/p>\n\n\n\n<ol class=\"wp-block-list\">\n<li><strong>\uc801\ud569\ud55c \uc571 \uc120\ud0dd<\/strong> - 0% \ud574\uc678 \uac70\ub798 \uc218\uc218\ub8cc, \uc911\uac04 \uc2dc\uc7a5 \ud658\uc728, \ubb34\ub8cc ATM \ud5c8\uc6a9 \ud55c\ub3c4<\/li>\n\n\n\n<li><strong>\ud56d\uc0c1 \ud604\uc9c0 \ud1b5\ud654\ub85c \uacb0\uc81c<\/strong> - ATM\uc774\ub098 \uce74\ub4dc \uae30\uae30\uc5d0\uc11c DCC\ub97c \ubc1b\uc9c0 \ub9c8\uc138\uc694.<\/li>\n\n\n\n<li><strong>\ubd88\ub7c9 \uae30\uae30\uc640\uc758 ATM \uc0c1\ud638 \uc791\uc6a9 \ucd5c\uc18c\ud654<\/strong> - \ub3c5\ub9bd \uc6b4\uc601\uc790\ub97c \ud53c\ud558\uace0 \uc740\ud589 \uc9c0\uc810\uc744 \uace0\uc218\ud558\uc2ed\uc2dc\uc624.<\/li>\n<\/ol>\n\n\n\n<p>\ud574\uc678 \uc5ec\ud589\uc744 \ub5a0\ub098\uae30 \uc804\uc5d0 \ud1b5\uc2e0\uc0ac\uc758 2025\ub144 \uc218\uc218\ub8cc \uc77c\uc815\uc744 \ud655\uc778\ud558\uc138\uc694. \uc678\ud658 \uc218\uc218\ub8cc, \ubb34\ub8cc ATM \ud55c\ub3c4, \uc8fc\ub9d0 \ud560\uc99d\ub8cc\ub294 \ub9e4\ub144 \ub610\ub294 \uc694\uae08\uc81c \ub4f1\uae09\uc5d0 \ub530\ub77c \ubcc0\uacbd\ub420 \uc218 \uc788\uc2b5\ub2c8\ub2e4. \uc791\ub144\uc5d0 \ud6a8\uacfc\uac00 \uc788\uc5c8\ub358 \uc694\uae08\uc81c\uac00 \uc62c\ud574\uc5d0\ub294 \ub2ec\ub77c\uc9c8 \uc218 \uc788\uc2b5\ub2c8\ub2e4.<\/p>\n\n\n\n<p>\uc5ec\ud589 \uc804\uc5d0 \uc628\ub77c\uc778 \uc1fc\ud551\uc5d0\uc11c \uc678\ud654\ub85c \uacb0\uc81c\ud558\ub294 \ub4f1\uc758 \uc18c\uc561 \uac70\ub798\ub97c \u201c\ud14c\uc2a4\ud2b8'\ud574 \uc571 \uba85\uc138\uc11c\uc5d0 \uc218\uc218\ub8cc\uac00 \uc5b4\ub5bb\uac8c \ud45c\uc2dc\ub418\ub294\uc9c0 \ud655\uc778\ud558\uc138\uc694. \ub85c\ub9c8\uc758 \ub808\uc2a4\ud1a0\ub791\uc5d0\uc11c\ubcf4\ub2e4 \uc9d1\uc5d0 \uc549\uc544\uc11c \uc608\uc0c1\uce58 \ubabb\ud55c \uc218\uc218\ub8cc\ub97c \ubc1c\uacac\ud558\ub294 \ud3b8\uc774 \ub0ab\uc2b5\ub2c8\ub2e4.<\/p>\n\n\n\n<p>\ub9ce\uc740 \uad6d\uac00\uc5d0\uc11c \uac00\uc7a5 \uac15\ub825\ud55c \uc124\uc815\uc774 \uacb0\ud569\ub418\uc5b4 \uc788\uc2b5\ub2c8\ub2e4:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>\uad6c\ub9e4 \ubcf4\ud638 \uae30\ub2a5\uc774 \uc788\ub294 \uace0\uc561 \uad6c\ub9e4 \uc2dc \uc218\uc218\ub8cc\uac00 \uc5c6\ub294 \uc2e0\uc6a9\uce74\ub4dc(\ud56d\uacf5\uad8c, \ud638\ud154)<\/li>\n\n\n\n<li>\uc77c\uc0c1\uc801\uc778 \uc9c0\ucd9c\uacfc \ud604\uae08\uc744 \uc704\ud55c \ub0ae\uc740 \uc218\uc218\ub8cc\uc758 \ub2e4\uc911 \ud1b5\ud654 \uc9c1\ubd88 \uce74\ub4dc<\/li>\n<\/ul>\n\n\n\n<p>\uba87 \ubd84\ub9cc \uacc4\ud68d\uc744 \uc138\uc6b0\uba74 \uc77c\ubc18\uc801\uc778 1\uc8fc\uc77c \ud734\uac00\uc5d0\uc11c 50~200\ud30c\uc6b4\ub4dc\ub97c \uc27d\uac8c \uc808\uc57d\ud560 \uc218 \uc788\uc2b5\ub2c8\ub2e4. \uc5ec\ud589\uc744 \uc790\uc8fc \ub2e4\ub2c8\ub294 \ub514\uc9c0\ud138 \ub178\ub9c8\ub4dc\uc758 \uacbd\uc6b0 \uc5f0\uac04 \uc808\uac10\uc561\uc774 \uc218\ubc31, \uc218\ucc9c \ud30c\uc6b4\ub4dc\uc5d0 \ub2ec\ud560 \uc218 \uc788\uc2b5\ub2c8\ub2e4.<\/p>\n\n\n\n<p>\uc571\uc774 \uc874\uc7ac\ud569\ub2c8\ub2e4. \uacbd\uc7c1\ub825 \uc788\ub294 \uc694\uae08 \uc635\uc158\uc774 \uc874\uc7ac\ud569\ub2c8\ub2e4. \ubb38\uc81c\ub294 \uc808\uc57d\ud55c \ube44\uc6a9\uc744 \uacbd\ud5d8\uc5d0 \uc0ac\uc6a9\ud560 \uac83\uc778\uc9c0, \uc544\ub2c8\uba74 \uc77c\ubc18\uc801\uc778 \ud568\uc815\uacfc \uc804\ud658 \uc218\uc218\ub8cc\ub85c \uc740\ud589\uc5d0 \ub118\uae38 \uac83\uc778\uc9c0\uc785\ub2c8\ub2e4.<\/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\/ko\/best-apps-for-money-conversions-payments-abroad\/\">\uc790\uc138\ud788 \ubcf4\uae30<\/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\/ko\/wp-json\/wp\/v2\/posts\/3699","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/blog.lebara.co.uk\/ko\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/blog.lebara.co.uk\/ko\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/blog.lebara.co.uk\/ko\/wp-json\/wp\/v2\/users\/8"}],"replies":[{"embeddable":true,"href":"https:\/\/blog.lebara.co.uk\/ko\/wp-json\/wp\/v2\/comments?post=3699"}],"version-history":[{"count":1,"href":"https:\/\/blog.lebara.co.uk\/ko\/wp-json\/wp\/v2\/posts\/3699\/revisions"}],"predecessor-version":[{"id":3709,"href":"https:\/\/blog.lebara.co.uk\/ko\/wp-json\/wp\/v2\/posts\/3699\/revisions\/3709"}],"wp:attachment":[{"href":"https:\/\/blog.lebara.co.uk\/ko\/wp-json\/wp\/v2\/media?parent=3699"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/blog.lebara.co.uk\/ko\/wp-json\/wp\/v2\/categories?post=3699"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/blog.lebara.co.uk\/ko\/wp-json\/wp\/v2\/tags?post=3699"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}