{"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\/lt\/best-apps-for-money-conversions-payments-abroad\/","title":{"rendered":"Geriausios pinig\u0173 konvertavimo ir mok\u0117jim\u0173 u\u017esienyje programos"},"content":{"rendered":"<p>Kelion\u0117s <a href=\"https:\/\/blog.lebara.co.uk\/lt\/using-data-abroad-what-you-need-to-know\/\">u\u017esienyje<\/a> tur\u0117t\u0173 b\u016bti susij\u0119 su nauja patirtimi, o ne su atostog\u0173 steb\u0117jimu. <a href=\"https:\/\/blog.lebara.co.uk\/lt\/the-top-five-budget-smartphones-in-the-uk\/\">biud\u017eetas<\/a> i\u0161nykti d\u0117l banko mokes\u010di\u0173 ir prast\u0173 valiut\u0173 keitimo kurs\u0173. Ta\u010diau milijonai keliautoj\u0173, besinaudojan\u010di\u0173 tradicini\u0173 bank\u0173 paslaugomis, b\u016btent taip ir elgiasi - da\u017enai to net nesuprasdami.<\/p>\n\n\n\n<p>Geros naujienos? 2025 m. kelios i\u0161maniosios program\u0117l\u0117s gali suma\u017einti j\u016bs\u0173 i\u0161laidas u\u017esienyje beveik iki nulio. Nesvarbu, ar vykstate \u012f u\u017esien\u012f ilgajam savaitgaliui Barselonoje, ar tris m\u0117nesius lakstote tarp Balio ir Bankoko, labai svarbu pasirinkti tinkam\u0105 keli\u0173 valiut\u0173 pinigin\u0119 ar kelioni\u0173 pinig\u0173 program\u0117l\u0119.<\/p>\n\n\n\n<p>\u0160iame vadove tiksliai paai\u0161kinama, kaip i\u0161vengti u\u017esienio operacij\u0173 mokes\u010di\u0173, i\u0161vengti brangi\u0173 bankomat\u0173 mokes\u010di\u0173 ir gauti geriausi\u0105 \u012fmanom\u0105 valiutos keitimo kurs\u0105 kiekvienam pirkiniui u\u017esienyje. Palyginsime pagrindines program\u0117les, paai\u0161kinsime pasl\u0117ptus mokes\u010dius, d\u0117l kuri\u0173 dauguma keliautoj\u0173 i\u0161sisukin\u0117ja, ir pateiksime praktinius nustatymus \u012fvairiems kelioni\u0173 stiliams.<\/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\">Turinys<\/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=\"Perjungti turinio lentel\u0119\"><span class=\"ez-toc-js-icon-con\"><span class=\"\"><span class=\"eztoc-hide\" style=\"display:none;\">Perjungti<\/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\/lt\/best-apps-for-money-conversions-payments-abroad\/#Quick_Answer_Best_Apps_to_Use_in_2025\" >Greitas atsakymas: Geriausios programos, kurias reikia naudoti 2025 m.<\/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\/lt\/best-apps-for-money-conversions-payments-abroad\/#What_Are_Foreign_Transaction_Fees_%E2%80%93_And_How_Much_Do_They_Cost_in_2025\" >Kas yra u\u017esienio sandori\u0173 mokes\u010diai ir kiek jie kainuos 2025 m.?<\/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\/lt\/best-apps-for-money-conversions-payments-abroad\/#Hidden_Charges_When_Paying_and_Withdrawing_Abroad\" >Pasl\u0117pti mokes\u010diai mokant ir i\u0161siimant pinigus u\u017esienyje<\/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\/lt\/best-apps-for-money-conversions-payments-abroad\/#How_to_Avoid_Foreign_Transaction_Fees_on_Card_Payments_Abroad\" >Kaip i\u0161vengti u\u017esienio sandori\u0173 mokes\u010di\u0173 u\u017e mok\u0117jimus kortel\u0117mis u\u017esienyje<\/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\/lt\/best-apps-for-money-conversions-payments-abroad\/#Always_Pay_in_the_Local_Currency\" >Visada mok\u0117kite vietine valiuta<\/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\/lt\/best-apps-for-money-conversions-payments-abroad\/#Weekend_Exchange_Rate_Markups_Explained\" >Paai\u0161kinti savaitgalio valiut\u0173 kurs\u0173 antkainiai<\/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\/lt\/best-apps-for-money-conversions-payments-abroad\/#Best_Apps_for_Money_Conversion_and_Spending_Abroad_in_2025\" >Geriausios pinig\u0173 konvertavimo ir i\u0161laidavimo u\u017esienyje programos 2025 m.<\/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\/lt\/best-apps-for-money-conversions-payments-abroad\/#Wise\" >I\u0161mintingas<\/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\/lt\/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\/lt\/best-apps-for-money-conversions-payments-abroad\/#Monzo_UK\" >\"Monzo\" (JK)<\/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\/lt\/best-apps-for-money-conversions-payments-abroad\/#Starling_UK\" >Starling (Jungtin\u0117 Karalyst\u0117)<\/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\/lt\/best-apps-for-money-conversions-payments-abroad\/#Curve\" >Kreiv\u0117<\/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\/lt\/best-apps-for-money-conversions-payments-abroad\/#N26_EU\" >N26 (ES)<\/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\/lt\/best-apps-for-money-conversions-payments-abroad\/#Chase_UK\" >\"Chase UK<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-15\" href=\"https:\/\/blog.lebara.co.uk\/lt\/best-apps-for-money-conversions-payments-abroad\/#How_to_Choose\" >Kaip pasirinkti<\/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\/lt\/best-apps-for-money-conversions-payments-abroad\/#How_to_Avoid_Cash_Machine_ATM_Charges_Abroad\" >Kaip i\u0161vengti bankomat\u0173 mokes\u010di\u0173 u\u017esienyje<\/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\/lt\/best-apps-for-money-conversions-payments-abroad\/#Best_Practices_for_Using_ATMs_Abroad_in_2025\" >Geriausia naudojimosi bankomatais u\u017esienyje praktika 2025 m.<\/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\/lt\/best-apps-for-money-conversions-payments-abroad\/#Before_Departure\" >Prie\u0161 i\u0161vykim\u0105<\/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\/lt\/best-apps-for-money-conversions-payments-abroad\/#At_the_ATM\" >Prie bankomato<\/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\/lt\/best-apps-for-money-conversions-payments-abroad\/#Budgeting_Your_Cash_Needs\" >Gryn\u0173j\u0173 pinig\u0173 poreiki\u0173 planavimas<\/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\/lt\/best-apps-for-money-conversions-payments-abroad\/#How_Travel_Wallets_and_Multi-Currency_Cards_Compare\" >Kelioni\u0173 pinigini\u0173 ir keli\u0173 valiut\u0173 korteli\u0173 palyginimas<\/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\/lt\/best-apps-for-money-conversions-payments-abroad\/#Main_Types\" >Pagrindiniai tipai<\/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\/lt\/best-apps-for-money-conversions-payments-abroad\/#Multi-Currency_Wallets\" >Keli\u0173 valiut\u0173 pinigin\u0117s<\/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\/lt\/best-apps-for-money-conversions-payments-abroad\/#Prepaid_Travel_Cards\" >I\u0161ankstinio mok\u0117jimo kelion\u0117s kortel\u0117s<\/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\/lt\/best-apps-for-money-conversions-payments-abroad\/#Digital_Wallets\" >Skaitmenin\u0117s pinigin\u0117s<\/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\/lt\/best-apps-for-money-conversions-payments-abroad\/#Example_Setups_for_Different_Traveller_Types\" >Skirting\u0173 tip\u0173 keliautoj\u0173 s\u0105rank\u0173 pavyzd\u017eiai<\/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\/lt\/best-apps-for-money-conversions-payments-abroad\/#UK_City-Break_Traveller_4_Days_in_Europe\" >Jungtin\u0117s Karalyst\u0117s keliautojas po miest\u0105: 4 dienos Europoje<\/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\/lt\/best-apps-for-money-conversions-payments-abroad\/#Digital_Nomad_3_Months_in_Europe_and_Asia\" >Skaitmeninis klajoklis: 3 m\u0117nesiai Europoje ir Azijoje<\/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\/lt\/best-apps-for-money-conversions-payments-abroad\/#US-Based_Parent_Supporting_a_Student_Abroad\" >JAV gyvenantis t\u0117vas: parama mokiniui u\u017esienyje<\/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\/lt\/best-apps-for-money-conversions-payments-abroad\/#Final_Tips_for_Smarter_Overseas_Spending_and_Cash_Access\" >Paskutiniai patarimai, kaip protingiau i\u0161laidauti u\u017esienyje ir naudotis grynaisiais pinigais<\/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>Greitas atsakymas: Geriausios programos, kurias reikia naudoti 2025 m.<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Naudodamiesi tinkamomis keli\u0173 valiut\u0173 program\u0117l\u0117mis 2025 m. JK, ES, JAV ir Australijos keliautojai gali beveik atsisakyti u\u017esienio operacij\u0173 mokes\u010di\u0173 ir bankomat\u0173 mokes\u010di\u0173. Nors tradiciniai bankai vis dar taiko 2,75%-3% mokest\u012f u\u017e kiekvien\u0105 operacij\u0105 u\u017esienyje, \u0161ios fintech alternatyvos si\u016blo i\u0161laidas be mokes\u010di\u0173 ir konkurencingus valiut\u0173 keitimo kursus, kurie leid\u017eia sutaupyti reali\u0173 pinig\u0173.<\/p>\n\n\n\n<p><strong>Geriausi 2025 m. pasirinkimai:<\/strong><\/p>\n\n\n\n<figure class=\"wp-block-table\"><table class=\"has-fixed-layout\"><tbody><tr><th>Program\u0117l\u0117<\/th><th>Geriausia<\/th><th>Pagrindinis privalumas<\/th><\/tr><tr><td><strong>I\u0161mintingas<\/strong><\/td><td>Bendra vert\u0117<\/td><td>Vidutin\u0117s rinkos valiutos keitimo kursas su skaidriais ir ma\u017eais mokes\u010diais<\/td><\/tr><tr><td><strong>\"Revolut\"<\/strong><\/td><td>Funkcij\u0173 \u012fvairov\u0117<\/td><td>Keli\u0173 valiut\u0173 laikymas, biud\u017eeto sudarymo \u012frankiai, plati apr\u0117ptis<\/td><\/tr><tr><td><strong>\"Monzo\"<\/strong> (JUNGTIN\u0116 KARALYST\u0116)<\/td><td>Kasdieniai mok\u0117jimai kortel\u0117mis<\/td><td>0% FX mokes\u010diai u\u017e i\u0161laidas, paprasta s\u0105saja<\/td><\/tr><tr><td><strong>Starling<\/strong> (JUNGTIN\u0116 KARALYST\u0116)<\/td><td>Nemokamos i\u0161laidos u\u017esienyje<\/td><td>Joki\u0173 u\u017esienio sandori\u0173 mokes\u010di\u0173 u\u017e pirkim\u0105 ar i\u0161\u0117mim\u0105<\/td><\/tr><tr><td><strong>Kreiv\u0117<\/strong><\/td><td>Sluoksniavimas ant esam\u0173 korteli\u0173<\/td><td>Naudokite turimas korteles su geresniu FX<\/td><\/tr><tr><td><strong>N26<\/strong> (ES)<\/td><td>Europos keliautojai<\/td><td>Tvirtas nemokamas lygis be FX antkainio<\/td><\/tr><tr><td><strong>\"Chase UK<\/strong><\/td><td>Jungtin\u0117je Karalyst\u0117je gyvenantys keliautojai<\/td><td>Joki\u0173 mokes\u010di\u0173 u\u017esienyje, 1% pinig\u0173 gr\u0105\u017einimas<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p>Mok\u0117jimo kortel\u0117mis u\u017esienyje paslaugos \"Monzo\", \"Starling\" ir \"Chase UK\" si\u016blo i\u0161 ties\u0173 be joki\u0173 mokes\u010di\u0173. Gryn\u0173j\u0173 pinig\u0173 i\u0161\u0117mimui \"Wise\" suteikia nemokam\u0105 limit\u0105 bankomatuose prie\u0161 pradedant taikyti procentinius mokes\u010dius, o \"Revolut\" si\u016blo pana\u0161ius limitus, ta\u010diau valiutos keitimui savaitgaliais taiko antkainius.<\/p>\n\n\n\n<p>Tradiciniai Jungtin\u0117s Karalyst\u0117s didieji bankai vis dar taiko ma\u017edaug 2,75%-3% u\u017esienio operacij\u0173 mokes\u010dius, taip pat atskirus bankomat\u0173 i\u0161gryninimo mokes\u010dius ir dinaminio valiutos konvertavimo (DCC) antkainius. Ir tai dar prie\u0161 tai, kai vietinis bankomatas ima savo mokest\u012f.<\/p>\n\n\n\n<p>Likusioje \u0161io straipsnio dalyje aptariami mokes\u010diai, savaitgalio antkainiai, bankomat\u0173 strategijos ir atskir\u0173 program\u0117li\u0173 palyginimai - vis\u0173 pirma skaitytojams Jungtin\u0117je Karalyst\u0117je ir kitose pagrindin\u0117se anglakalb\u0117se rinkose.<\/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>Kas yra u\u017esienio sandori\u0173 mokes\u010diai ir kiek jie kainuos 2025 m.?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>U\u017esienio operacij\u0173 mokes\u010diai - tai procentinis mokestis, kur\u012f j\u016bs\u0173 bankas arba program\u0117l\u0117 prideda, kai mokate kita valiuta nei j\u016bs\u0173 kortel\u0117s \u201cnam\u0173\u201d valiuta. Kiekvien\u0105 kart\u0105, kai palie\u010diate JK banko kortel\u0119 Pranc\u016bzijoje arba JAV kortel\u0119 Japonijoje, \u0161is mokestis tyliai taikomas.<\/p>\n\n\n\n<p><strong>Tipiniai 2025 m. intervalai:<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Jungtin\u0117s Karalyst\u0117s did\u017ei\u0173j\u0173 bank\u0173:<\/strong> 2,75%-3% u\u017e pirkin\u012f arba gryn\u0173j\u0173 pinig\u0173 i\u0161\u0117mim\u0105<\/li>\n\n\n\n<li><strong>JAV bankai:<\/strong> 2%-3% (nors kai kurios \"Premium\" kortel\u0117s \u0161io reikalavimo netaiko).<\/li>\n\n\n\n<li><strong>Auk\u0161\u010diausios kokyb\u0117s kelioni\u0173 kortel\u0117s ir nebankiniai bankai:<\/strong> 0%<\/li>\n<\/ul>\n\n\n\n<p>Dauguma \u017emoni\u0173 susim\u0105sto, kad vienai u\u017esienio operacijai gali b\u016bti taikomi trys atskiri sluoksniai.<\/p>\n\n\n\n<ol class=\"wp-block-list\">\n<li><strong>U\u017esienio sandori\u0173 mokestis<\/strong> - j\u016bs\u0173 banko taikomas procentinis mokestis.<\/li>\n\n\n\n<li><strong>FX antkainis<\/strong> - skirtumas tarp j\u016bs\u0173 gaunamos pal\u016bkan\u0173 normos ir vidutin\u0117s rinkos pal\u016bkan\u0173 normos.<\/li>\n\n\n\n<li><strong>Vietiniai bankomat\u0173 ir (arba) operatori\u0173 mokes\u010diai<\/strong> - vienodo dyd\u017eio mokes\u010diai i\u0161 paties bankomato.<\/li>\n<\/ol>\n\n\n\n<p><strong>Konkretus pavyzdys:<\/strong> Savait\u0117s atostogoms Ispanijoje i\u0161leid\u017eiate 1 000 svar\u0173 sterling\u0173, naudodami standartin\u0119 JK banko debeto kortel\u0119, kuriai taikomas 2,99% mokestis u\u017e u\u017esienio operacijas. Tai yra ma\u017edaug 30 svar\u0173 sterling\u0173, kurie dingsta dar net nepagalvojus apie grynuosius pinigus. Prid\u0117kite kelis pinig\u0173 i\u0161gryninimo bankomatuose atvejus po 3 \u20ac ir gausite 40-50 \u00a3 nereikaling\u0173 mokes\u010di\u0173.<\/p>\n\n\n\n<p>Daugelis \u201ckelioni\u0173 kredito korteli\u0173\u201d, pavyzd\u017eiui, \u201cHalifax Clarity\u201d arba \"Barclaycard Rewards\", panaikina valiutos keitimo mokes\u010dius u\u017e pirkinius - tai skamba puikiai. Ta\u010diau u\u017e gryn\u0173j\u0173 pinig\u0173 i\u0161\u0117mim\u0105 i\u0161 s\u0105skaitos nuo pirmos dienos da\u017enai skai\u010diuojamos pal\u016bkanos ir galimi konvertavimo mokes\u010diai. Prie\u0161 manydami, kad bet kuri kortel\u0117 tikrai \"nemokama\", visada perskaitykite smulk\u0173 \u0161rift\u0105.\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>Pasl\u0117pti mokes\u010diai mokant ir i\u0161siimant pinigus u\u017esienyje<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Ant lipduko nurodyta kaina retai b\u016bna visa kaina. Pasl\u0117pti mokes\u010diai da\u017enai b\u016bna pasl\u0117pti smulkiu \u0161riftu arba \u012ftraukti \u012f pat\u012f valiutos keitimo kurs\u0105, o jei naudojate netinkam\u0105 kortel\u0119 arba ekrane pasirenkate netinkam\u0105 parinkt\u012f, jie gali papildyti 3%-7% \u012fprastas i\u0161laidas.<\/p>\n\n\n\n<p><strong>Da\u017eniausiai pasitaikan\u010dios pasl\u0117ptos i\u0161laidos, \u012f kurias reikia atkreipti d\u0117mes\u012f:<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Ne svarais sterling\u0173 sandori\u0173 mokes\u010diai<\/strong> - da\u017enai nurodomas atskirai nuo \u201cu\u017esienio sandorio mokes\u010dio\u201d.\u201d<\/li>\n\n\n\n<li><strong>Gryn\u0173j\u0173 pinig\u0173 avanso mokes\u010diai u\u017e kredito korteles<\/strong> - daugelis kredito korteli\u0173 i\u0161\u0117mim\u0105 i\u0161 bankomato traktuoja kaip gryn\u0173j\u0173 pinig\u0173 avans\u0105 ir nuo pirmos dienos ima 3%-5% avans\u0105 ir pal\u016bkanas.<\/li>\n\n\n\n<li><strong>Vietini\u0173 bankomat\u0173 papildomi mokes\u010diai<\/strong> - paprastai 2-6 \u20ac u\u017e i\u0161\u0117mim\u0105 Europoje, $3-$7 JAV.<\/li>\n\n\n\n<li><strong>Prasti valiut\u0173 kursai naudojant dinamin\u012f valiutos konvertavim\u0105 (DCC)<\/strong> - kai bankomate arba kasoje sutinkate perskai\u010diuoti valiut\u0105 \u012f savo \u0161alies valiut\u0105.<\/li>\n\n\n\n<li><strong>Savaitgalio ir ne rinkos pal\u016bkan\u0173 norm\u0173 antkainiai<\/strong> - daugelis program\u0173 prideda 0.5%-1.5%, kai FX rinkos u\u017edarytos<\/li>\n<\/ul>\n\n\n\n<p>Prie\u0161 keliaudami patikrinkite savo kortel\u0117s arba program\u0117l\u0117s tarif\u0173 puslap\u012f (\u012fsitikinkite, kad jis atnaujintas 2025 m.). Atkreipkite d\u0117mes\u012f \u012f:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>\u201cNe svar\u0173 sterling\u0173 sandorio mokestis\u201d<\/li>\n\n\n\n<li>\u201cGryn\u0173j\u0173 pinig\u0173 i\u0161\u0117mimo mokestis\u201d arba \u201cBankomato mokestis u\u017esienyje\u201d<\/li>\n\n\n\n<li>\u201cNaudojimasis bankomatais u\u017esienyje\u201d terminai<\/li>\n\n\n\n<li>Savaitgalio \u017eym\u0117jimo politika<\/li>\n<\/ul>\n\n\n\n<p>Toliau \u0161iame straipsnyje esan\u010diame specialiame bankomat\u0173 skyriuje aptariamos konkre\u010dios strategijos, kaip i\u0161vengti \u0161i\u0173 mokes\u010di\u0173 pa\u010diame bankomate.<\/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>Kaip i\u0161vengti u\u017esienio sandori\u0173 mokes\u010di\u0173 u\u017e mok\u0117jimus kortel\u0117mis u\u017esienyje<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Lengviausia sutaupyti mokant kortele - restoranuose, vie\u0161bu\u010diuose, parduotuv\u0117se - kur da\u017enai galite pasiekti 0% FX naudodami tinkam\u0105 program\u0117l\u0119 ir tur\u0117dami kelet\u0105 ger\u0173 \u012fpro\u010di\u0173.<\/p>\n\n\n\n<p><strong>Pasirinkite program\u0117l\u0119 arba kortel\u0119 su:<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>0% u\u017esienio sandori\u0173 mokes\u010diai u\u017e pirkinius<\/li>\n\n\n\n<li>Valiut\u0173 keitimo kursas, lygus arba artimas vidutiniam rinkos kursui<\/li>\n\n\n\n<li>Jokio antkainio arba ma\u017eas savaitgalio antkainis (geriausia 0% savait\u0117s viduryje, \u22640,5% savaitgaliais)<\/li>\n\n\n\n<li>Visa arba Mastercard <a href=\"https:\/\/blog.lebara.co.uk\/lt\/how-to-find-out-what-network-youre-on\/\">tinklas<\/a> siekiant didelio visuotinio pripa\u017einimo<\/li>\n<\/ul>\n\n\n\n<p><strong>Rekomenduojamos parinktys pagal region\u0105:<\/strong><\/p>\n\n\n\n<figure class=\"wp-block-table\"><table class=\"has-fixed-layout\"><tbody><tr><th>Regionas<\/th><th>Geriausios parinktys<\/th><\/tr><tr><td><strong>JUNGTIN\u0116 KARALYST\u0116 \/ ES<\/strong><\/td><td>\"Wise\", \"Revolut\", \"Monzo\", \"Starling\", N26, \"Curve<\/td><\/tr><tr><td><strong>JAV<\/strong><\/td><td>\"Wise\", \"Revolut\" (kur \u012fmanoma), specialios kredito kortel\u0117s be valiutos keitimo.<\/td><\/tr><tr><td><strong>Australija\/NZ<\/strong><\/td><td>\"Wise\", \"Revolut\", \"ING Orange Everyday\", \"Macquarie\" sandori\u0173 s\u0105skaita<\/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>Visada mok\u0117kite vietine valiuta<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>Tai svarbiausia taisykl\u0117, taikoma i\u0161laidoms u\u017esienyje. Kai kortel\u0117s aparatas arba bankomatas klausia, ar norite atsiskaityti savo \u0161alies valiuta, ar vietine valiuta, <strong>visada pasirinkite vietin\u0119 valiut\u0105.<\/strong>.<\/p>\n\n\n\n<p>Dinaminis valiutos konvertavimas DCC - tai kai prekybininkai arba bankomatai si\u016blo konvertuoti pirkinius \u012f j\u016bs\u0173 \u0161alies valiut\u0105 \u201cd\u0117l patogumo\u201d. I\u0161 tikr\u0173j\u0173 jie taiko savo siaubing\u0105 valiutos keitimo kurs\u0105 - paprastai 5%-7% blogesn\u012f, nei gautum\u0117te kitu atveju. \u0160ios papildomos i\u0161laidos tenka tiesiogiai prekybininkui arba bankomato operatoriui.<\/p>\n\n\n\n<blockquote class=\"wp-block-quote is-layout-flow wp-block-quote-is-layout-flow\">\n<p>Kiekvien\u0105 kart\u0105, kai ekrane pamatysite \u201cMok\u0117ti svarais sterling\u0173?\u201d arba \u201cKonvertuoti \u012f JAV dolerius?\u201d, atsisakykite. Vietoj to pasirinkite \u0161alies valiut\u0105.<\/p>\n<\/blockquote>\n\n\n\n<p>Banko program\u0117l\u0117je \u012fjunkite momentinius prane\u0161imus, kad gal\u0117tum\u0117te i\u0161 karto pamatyti vietin\u0119 sum\u0105, konvertuot\u0105 sum\u0105 ir pasteb\u0117ti visus netik\u0117tus papildomus mokes\u010dius.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Weekend_Exchange_Rate_Markups_Explained\"><\/span>Paai\u0161kinti savaitgalio valiut\u0173 kurs\u0173 antkainiai<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Valiut\u0173 rinkos u\u017esidaro v\u0117lai penktadien\u012f vakare ir v\u0117l atsidaro tik sekmadien\u012f v\u0117lai vakare (Londono laiku). \u0160iuo laikotarpiu daugelis bank\u0173 ir program\u0117li\u0173 laikinai padidina savo kursus, kad padengt\u0173 galimus valiut\u0173 kurs\u0173 poky\u010dius, o j\u016bs u\u017e tai mokate.<\/p>\n\n\n\n<p><strong>\u012eprastos 2025 m. savaitgalio kainos:<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>\"Revolut\":<\/strong> 0,5%-1% priedas daugumai valiut\u0173 savaitgaliais<\/li>\n\n\n\n<li><strong>I\u0161mintinga:<\/strong> Paprastai ma\u017eesnis savaitgalio antkainis, bet vis tiek taikomas kai kurioms poroms<\/li>\n\n\n\n<li><strong>Tradiciniai bankai:<\/strong> Da\u017enai vis\u0105 savait\u0119 taikomas fiksuotas \u201cturistinis tarifas\u201d, kuris jau yra padidintas.<\/li>\n<\/ul>\n\n\n\n<p><strong>Pavyzdys:<\/strong> \u0160e\u0161tadien\u012f naudodamiesi \"Revolut\" konvertuojate 500 svar\u0173 sterling\u0173 \u012f eurus. Su 1% savaitgalio antkainiu gaunate ma\u017edaug 5-6 EUR ma\u017eiau nei konvertav\u0119 antradien\u012f.<\/p>\n\n\n\n<p><strong>Strategijos, kaip suma\u017einti savaitgalio i\u0161laidas:<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>I\u0161 anksto konvertuokite nedidel\u0119 sum\u0105 darbo dienomis, jei \u017einote, kad daug i\u0161leisite \u0161e\u0161tadien\u012f ir sekmadien\u012f.<\/li>\n\n\n\n<li>Venkite spekuliatyvi\u0173 dideli\u0173 konvertavim\u0173 i\u0161 anksto, jei nesuprantate pal\u016bkan\u0173 normos rizikos.<\/li>\n\n\n\n<li>Prie\u0161 atlikdami didelius mainus, patikrinkite konkre\u010di\u0105 savo program\u0117l\u0117s savaitgalio politik\u0105<\/li>\n<\/ul>\n\n\n\n<p>Kai kurios skaitmenin\u0117s pinigin\u0117s, pavyzd\u017eiui, \u201cCurve\u201d, veikia kaip \"metakortel\u0117\", kuri perduoda j\u016bs\u0173 pagrindinio banko kurs\u0105 be papildom\u0173 savaitgalio valiutos keitimo mokes\u010di\u0173, ta\u010diau j\u016bs\u0173 pagrindin\u0117s kortel\u0117s vis tiek gali tur\u0117ti savo taisykles.<\/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>Geriausios pinig\u0173 konvertavimo ir i\u0161laidavimo u\u017esienyje programos 2025 m.<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>\u0160iame skyriuje pateikiamas praktinis pagrindini\u0173 kelioni\u0173 pinig\u0173 program\u0117li\u0173 palyginimas, daugiausia d\u0117mesio skiriant valiutos keitimo kainai, bankomat\u0173 taisykl\u0117ms ir paprastam naudojimui kasdieniams keliautojams.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Wise\"><\/span>I\u0161mintingas<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>\"Wise\" (buvusi \"TransferWise\") savo reputacij\u0105 u\u017esitarnavo d\u0117l skaidri\u0173 kain\u0173 ir realaus valiutos kurso. Program\u0117l\u0117je naudojamas vidutinis rinkos kursas - tas pats, kur\u012f matote \"Google\" ar XE - su nedideliu, matomu papildomu mokes\u010diu.<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>FX:<\/strong> Vidutin\u0117 rinkos kaina, jokio pasl\u0117pto antkainio<\/li>\n\n\n\n<li><strong>Mok\u0117jimai kortel\u0117mis u\u017esienyje:<\/strong> 0% u\u017esienio sandori\u0173 mokes\u010diai<\/li>\n\n\n\n<li><strong>I\u0161\u0117mimai i\u0161 bankomat\u0173:<\/strong> 2 nemokami i\u0161gryninimai per m\u0117nes\u012f iki \u00a3200 (arba lygiavert\u0117s sumos), tada 1,75% mokestis<\/li>\n\n\n\n<li><strong>Savaitgalio politika:<\/strong> Nedidelis kai kuri\u0173 valiut\u0173 por\u0173 antkainis, bet paprastai ma\u017eesnis nei konkurent\u0173<\/li>\n<\/ul>\n\n\n\n<p>\"Wise\" yra ypa\u010d stiprus <a href=\"https:\/\/blog.lebara.co.uk\/lt\/how-to-cut-the-cost-of-international-calls-on-a-mobile-phone\/\">tarptautinis<\/a> pervedimai - galite tur\u0117ti l\u0117\u0161\u0173 daugiau nei 40 valiut\u0173 ir gauti pinigus kaip vietiniai keliose \u0161alyse. \"Wise\" kortel\u0117 veikia beveik visur, kur priimamos \"Mastercard\" kortel\u0117s.<\/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>\u201cRevolut\u201d save pristato kaip finansin\u0119 \"superprogram\u0105\", turin\u010di\u0105 daugiau nei 60 mln. klient\u0173 visame pasaulyje. Be valiutos keitimo, ji si\u016blo biud\u017eeto sudarymo \u012frankius, s\u0105skait\u0173 dalijim\u0105, taupymo saugyklas ir net prekyb\u0105 kriptovaliutomis.<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>FX:<\/strong> Tarpbankin\u0117 pal\u016bkan\u0173 norma darbo dienomis; 0,5%-1% antkainis savaitgaliais<\/li>\n\n\n\n<li><strong>Mok\u0117jimai kortel\u0117mis u\u017esienyje:<\/strong> 0% nemokamoje pakopoje iki m\u0117nesio limito (\u0161iuo metu ~1000 svar\u0173 sterling\u0173), tada 0,5%<\/li>\n\n\n\n<li><strong>I\u0161\u0117mimai i\u0161 bankomat\u0173:<\/strong> Nemokamas planas iki 200 \u00a3\/m\u0117n., v\u0117liau 2% mokestis<\/li>\n\n\n\n<li><strong>S\u0105\u017einingas naudojimas:<\/strong> Auk\u0161tesn\u0117s pakopos planuose si\u016blomi didesni nemokami leidimai<\/li>\n<\/ul>\n\n\n\n<p>\"Revolut\" tinka keliautojams, kurie nori geriau kontroliuoti savo finansus, nes turi tokias funkcijas kaip momentin\u0117 i\u0161laid\u0173 analiz\u0117. Tik atkreipkite d\u0117mes\u012f \u012f savaitgalio antkain\u012f ir nemokamos pakopos m\u0117nesio limitus.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Monzo_UK\"><\/span>\"Monzo\" (JK)<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>\"Monzo\" yra Jungtin\u0117je Karalyst\u0117je veikiantis skaitmeninis bankas, turintis i\u0161skirtin\u0119 koralin\u0119 kortel\u0119 ir gars\u0117jantis paprastumu. Jis ypa\u010d populiarus tarp jaun\u0173 keliautoj\u0173.<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>FX:<\/strong> \"Mastercard\" keitimo kursas be papildomo antkainio<\/li>\n\n\n\n<li><strong>Mok\u0117jimai kortel\u0117mis u\u017esienyje:<\/strong> 0% u\u017esienio sandori\u0173 mokes\u010diai<\/li>\n\n\n\n<li><strong>I\u0161\u0117mimai i\u0161 bankomat\u0173:<\/strong> Nemokamai iki 400 \u00a3 kas 30 dien\u0173 u\u017esienyje, tada 3%<\/li>\n\n\n\n<li><strong>Savaitgalio politika:<\/strong> Jokio papildomo savaitgalio antkainio<\/li>\n<\/ul>\n\n\n\n<p>JK keliautojams, norintiems paprastai ir be mokes\u010di\u0173 atsiskaityti kortele ir naudotis bankomatais, \"Monzo\" yra patogus pasirinkimas.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Starling_UK\"><\/span>Starling (Jungtin\u0117 Karalyst\u0117)<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>\"Starling\" yra dar vienas JK skaitmeninis bankas, si\u016blantis tikrai nemokamas i\u0161laidas u\u017esienyje. Jis da\u017enai laikomas pagrindiniu \"Monzo\" konkurentu.<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>FX:<\/strong> \"Mastercard\" keitimo kursas be antkainio<\/li>\n\n\n\n<li><strong>Mok\u0117jimai kortel\u0117mis u\u017esienyje:<\/strong> 0% u\u017esienio sandori\u0173 mokes\u010diai<\/li>\n\n\n\n<li><strong>I\u0161\u0117mimai i\u0161 bankomat\u0173:<\/strong> Joki\u0173 \"Starling\" mokes\u010di\u0173 u\u017e i\u0161\u0117mimus (vis dar gali b\u016bti taikomi vietinio operatoriaus mokes\u010diai)<\/li>\n\n\n\n<li><strong>Savaitgalio politika:<\/strong> Jokio papildomo savaitgalio antkainio<\/li>\n<\/ul>\n\n\n\n<p><strong>Pavyzdys:<\/strong> Mok\u0117dami 100 \u20ac Ispanijos restorane su \"Starling\" sumok\u0117site lygiai tiek, kiek \"Mastercard\" valiutos keitimo kursas atitinka GBP - \u0161iuo metu apie 86 GBP. Toks pat mok\u0117jimas \u012fprasta Jungtin\u0117s Karalyst\u0117s did\u017ei\u0173j\u0173 parduotuvi\u0173 debetine kortele, u\u017e kuri\u0105 imamas 2,99% mokestis, kainuot\u0173 ma\u017edaug 88,50 GBP. Tai 2,50 GBP, sutaupyt\u0173 u\u017e vien\u0105 patiekal\u0105.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Curve\"><\/span>Kreiv\u0117<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>\u201cCurve\u201d veikia kitaip - tai \"metakortel\u0117\", kuri dedama ant j\u016bs\u0173 turim\u0173 debeto ar kredito korteli\u0173. Esamas korteles susiejate su \"Curve\" program\u0117le, tada \"Curve\" kortele naudojat\u0117s u\u017esienyje. Ji taiko savo valiut\u0173 kurs\u0105 ir leid\u017eia jums <a href=\"https:\/\/blog.lebara.co.uk\/lt\/6-reasons-to-switch-to-lebara-in-2023\/\">jungiklis<\/a> i\u0161 kurios pagrindin\u0117s kortel\u0117s nura\u0161omos l\u0117\u0161os net ir po operacijos.<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>FX:<\/strong> Tarpbankin\u0117 pal\u016bkan\u0173 norma iki \u00a3500\/m\u0117n. nemokamoje pakopoje, tada 2%<\/li>\n\n\n\n<li><strong>Mok\u0117jimai kortel\u0117mis u\u017esienyje:<\/strong> Naudojamas \"Curve\", o ne pagrindin\u0117s kortel\u0117s tarifas<\/li>\n\n\n\n<li><strong>I\u0161\u0117mimai i\u0161 bankomat\u0173:<\/strong> Nemokamai iki 200 \u00a3\/m\u0117n., tada 2%<\/li>\n\n\n\n<li><strong>Savaitgalio politika:<\/strong> Jokio papildomo antkainio (taikoma savait\u0117s dienos u\u017edarymo norma)<\/li>\n<\/ul>\n\n\n\n<p>\"Curve\" naudinga norint gauti atlyg\u012f u\u017e pagrindin\u0119 kortel\u0119 ir i\u0161vengti prasto tos kortel\u0117s valiutos kurso u\u017esienyje.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"N26_EU\"><\/span>N26 (ES)<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>N26 yra Vokietijos skaitmeninis bankas, veikiantis visoje ES. Jis ypa\u010d populiarus tarp europie\u010di\u0173 ir emigrant\u0173, gyvenan\u010di\u0173 euro zonos \u0161alyse.<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>FX:<\/strong> Mastercard tarifas be papildomo antkainio<\/li>\n\n\n\n<li><strong>Mok\u0117jimai kortel\u0117mis u\u017esienyje:<\/strong> 0% euro zonoje; 0% u\u017e jos rib\u0173, jei naudojat\u0117s \"Smart\/You\" planais, 1,7%, jei naudojat\u0117s nemokama pakopa.<\/li>\n\n\n\n<li><strong>I\u0161\u0117mimai i\u0161 bankomat\u0173:<\/strong> 3 nemokami m\u0117nesio mokes\u010diai euro zonoje (nemokama pakopa), u\u017e jos rib\u0173 - \u012fvairiai<\/li>\n\n\n\n<li><strong>Savaitgalio politika:<\/strong> Jokio papildomo savaitgalio antkainio<\/li>\n<\/ul>\n\n\n\n<p>Keliaujantiems ES \u0161alyse N26 si\u016blo ma\u017eesnius mokes\u010dius nei tradiciniai bankai visame \u017eemyne.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Chase_UK\"><\/span>\"Chase UK<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>\"Chase\" Jungtin\u0117je Karalyst\u0117je prad\u0117jo veikti 2021 m. ir greitai i\u0161populiar\u0117jo d\u0117l 1% gryn\u0173j\u0173 pinig\u0173 gr\u0105\u017einimo ir i\u0161laid\u0173 u\u017esienyje be mokes\u010di\u0173 derinio.<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>FX:<\/strong> \"Mastercard\" tarifas, be papildomo antkainio<\/li>\n\n\n\n<li><strong>Mok\u0117jimai kortel\u0117mis u\u017esienyje:<\/strong> 0% u\u017esienio sandori\u0173 mokes\u010diai<\/li>\n\n\n\n<li><strong>I\u0161\u0117mimai i\u0161 bankomat\u0173:<\/strong> Jokio persekiojimo mokes\u010dio (gali b\u016bti taikomi vietiniai operatoriaus mokes\u010diai)<\/li>\n\n\n\n<li><strong>Pinig\u0173 gr\u0105\u017einimas:<\/strong> 1% visoms i\u0161laidoms per pirmuosius 12 m\u0117nesi\u0173<\/li>\n<\/ul>\n\n\n\n<p>JK gyventojams \"Chase UK\" si\u016blo ret\u0105 gryn\u0173j\u0173 pinig\u0173 gr\u0105\u017einimo ir nemokam\u0173 mokes\u010di\u0173 u\u017e naudojim\u0105si u\u017esienyje derin\u012f, tod\u0117l puikiai tinka ir kasdienei bankininkystei, ir kelion\u0117ms.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"How_to_Choose\"><\/span>Kaip pasirinkti<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Pirmenyb\u0119 teikti mok\u0117jimams kortel\u0117mis be mokes\u010di\u0173?<\/strong> \"Monzo\", \"Starling\" arba \"Chase UK<\/li>\n\n\n\n<li><strong>Reikia dideli\u0173 bankomato leidim\u0173?<\/strong> Wise arba Starling<\/li>\n\n\n\n<li><strong>Norite keli\u0173 valiut\u0173 laikymo ir pervedim\u0173?<\/strong> \"Wise\" arba \"Revolut<\/li>\n\n\n\n<li><strong>\u012esik\u016br\u0119 ES?<\/strong> N26 arba \"Revolut<\/li>\n\n\n\n<li><strong>Norite u\u017ed\u0117ti sluoksn\u012f ant esam\u0173 korteli\u0173?<\/strong> Kreiv\u0117<\/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>Kaip i\u0161vengti bankomat\u0173 mokes\u010di\u0173 u\u017esienyje<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Daug keliautoj\u0173 permoka bankomatuose. Banko mokes\u010diai, bankomato papildomi mokes\u010diai ir DCC gali paversti paprast\u0105 gryn\u0173j\u0173 pinig\u0173 i\u0161\u0117mim\u0105 brangia klaida. Naudodamiesi i\u0161mani\u0105ja kortele ir keliomis taisykl\u0117mis, \u0161ias i\u0161laidas galite gerokai suma\u017einti.<\/p>\n\n\n\n<p><strong>Da\u017eniausiai pasitaikantys bankomat\u0173 mokes\u010diai:<\/strong><\/p>\n\n\n\n<figure class=\"wp-block-table\"><table class=\"has-fixed-layout\"><tbody><tr><th>Mokes\u010dio tipas<\/th><th>Tipin\u0117 suma<\/th><th>Kas j\u012f apmokestina<\/th><\/tr><tr><td>J\u016bs\u0173 banko ir (arba) program\u0117l\u0117s i\u0161\u0117mimo mokestis<\/td><td>0%-3% arba fiksuotas mokestis<\/td><td>J\u016bs\u0173 kortel\u0117s teik\u0117jas<\/td><\/tr><tr><td>Vietinio bankomato operatoriaus mokestis<\/td><td>2-6 \u20ac \/ $3-$7<\/td><td>Bankomato savininkas<\/td><\/tr><tr><td>FX antkainis<\/td><td>1%-3%<\/td><td>J\u016bs\u0173 kortel\u0117s teik\u0117jas<\/td><\/tr><tr><td>Dinaminis valiutos konvertavimas<\/td><td>5%-8%<\/td><td>Bankomato operatorius<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p><strong>Kaip suma\u017einti bankomat\u0173 i\u0161laidas:<\/strong><\/p>\n\n\n\n<ol class=\"wp-block-list\">\n<li><strong>Naudokite korteles su nemokamais bankomatais<\/strong> - \"Wise\", \"Revolut\", \"Monzo\", \"Starling\" ir \"N26\" si\u016blo m\u0117nesio limitus nemokamam pinig\u0173 i\u0161\u0117mimui u\u017esienyje.<\/li>\n\n\n\n<li><strong>Pasirinkite did\u017ei\u0173j\u0173 bank\u0173 bankomatus<\/strong> - Venkite nepriklausom\u0173 bankomat\u0173, toki\u0173 kaip \"Euronet\", \"Travelex\" ar \"Cardtronics\". Jie da\u017enai taiko didesnius mokes\u010dius ir agresyviai skatina DCC. Banko prek\u0117s \u017eenklu pa\u017eym\u0117tuose bankomatuose, esan\u010diuose tikruose banko skyriuose, paprastai taikomi ma\u017eesni mokes\u010diai arba jie netaikomi.<\/li>\n\n\n\n<li><strong>Visada pasirinkite vietin\u0119 valiut\u0105<\/strong> - Kai ekrane bus pateiktas klausimas \u201cI\u0161mok\u0117ti svarais sterling\u0173?\u201d arba \u201cKonvertuoti \u012f savo \u0161alies valiut\u0105?\u201d, atsisakykite. Taip visi\u0161kai i\u0161vengsite DCC antkainio<\/li>\n\n\n\n<li><strong>re\u010diau i\u0161siimkite didesnes sumas<\/strong> - Jei taikomas fiksuotas 3 eur\u0173 mokestis u\u017e kiekvien\u0105 i\u0161\u0117mim\u0105, geriau vien\u0105 kart\u0105 i\u0161siimti 300 eur\u0173 nei tris kartus 100 eur\u0173. Suderinkite tai su saugumu ir savo biud\u017eetu<\/li>\n<\/ol>\n\n\n\n<p>Kai kuriomis kryptimis - Tailande, kai kuriose JAV ir Piet\u0173 Amerikos \u0161alyse - beveik ne\u012fmanoma i\u0161vengti papildomo oro transporto mokes\u010dio. Vietiniai automatai paprastai ima 200-250 bat\u0173 (ma\u017edaug 5-6 svarus sterling\u0173) arba $3-5, neatsi\u017evelgiant \u012f j\u016bs\u0173 kortel\u0119. Geriausia, k\u0105 galite padaryti, tai i\u0161vengti papildom\u0173 banko ir DCC mokes\u010di\u0173, naudodamiesi ma\u017e\u0173 mokes\u010di\u0173 kelion\u0117s kortele.<\/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>Geriausia naudojimosi bankomatais u\u017esienyje praktika 2025 m.<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Pateikiame praktin\u012f kontrolin\u012f s\u0105ra\u0161\u0105 prie\u0161 kelion\u0119 ir pa\u010dioje ma\u0161inoje.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Before_Departure\"><\/span>Prie\u0161 i\u0161vykim\u0105<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Patikrinkite savo dienos ir m\u0117nesio limitus bankomatuose<\/strong> - jei reikia, laikinai pakelkite juos per savo program\u0117l\u0119.<\/li>\n\n\n\n<li><strong>Nustatykite tvirt\u0105 autentifikavim\u0105<\/strong> - biometrinis prisijungimas, PIN apsauga ir tiesioginiai persp\u0117jimai apie i\u0161laidas<\/li>\n\n\n\n<li><strong>Paimkite bent dvi skirtingas korteles<\/strong> - pvz., \"Wise\" ir j\u016bs\u0173 nam\u0173 banko s\u0105skaitos debetin\u0117 kortel\u0117, jei tokia yra. <a href=\"https:\/\/blog.lebara.co.uk\/lt\/lost-your-smartphone-heres-how-to-track-and-retrieve-it-safely\/\">prarastas<\/a>, <a href=\"https:\/\/blog.lebara.co.uk\/lt\/what-to-do-if-your-phone-is-stolen\/\">pavogtas<\/a>, arba u\u017eblokuotas<\/li>\n\n\n\n<li><strong>\u017dinokite savo kortel\u0117s mokes\u010di\u0173 strukt\u016br\u0105<\/strong> - kiek tiksliai nemokamo pinig\u0173 i\u0161\u0117mimo i\u0161 bankomato turite ir kokie mokes\u010diai taikomi po<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"At_the_ATM\"><\/span>Prie bankomato<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Pasirinkite automatus, esan\u010dius did\u017ei\u0173j\u0173 bank\u0173 filialuose arba prie j\u0173.<\/strong> jei \u012fmanoma, darbo valandomis - tai saugiau ir paprastai taikomi ma\u017eesni mokes\u010diai.<\/li>\n\n\n\n<li><strong>Atsisakykite bet kokio ekrane rodomo pasi\u016blymo imti mokest\u012f savo \u0161alies valiuta<\/strong> - tai yra DCC, ir ji visada kainuoja daugiau<\/li>\n\n\n\n<li><strong>Atid\u017eiai perskaitykite prane\u0161im\u0105 apie papildom\u0105 mokest\u012f<\/strong> - jei mokestis atrodo per didelis, at\u0161aukite ir i\u0161bandykite kit\u0105 bankomat\u0105 netoliese.<\/li>\n\n\n\n<li><strong>U\u017edenkite savo PIN kod\u0105<\/strong> - vis dar pasitaiko korteli\u0173 nuskaitymo atvej\u0173, net ir teis\u0117tai naudojamuose aparatuose.<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Budgeting_Your_Cash_Needs\"><\/span>Gryn\u0173j\u0173 pinig\u0173 poreiki\u0173 planavimas<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Planuokite apytiksl\u012f gryn\u0173j\u0173 pinig\u0173 poreik\u012f<\/strong> i\u0161 anksto, ypa\u010d tokiose \u0161alyse kaip Japonija, Vietnamas ar kai kurios Piet\u0173 Europos \u0161alys, kuriose reikia daug gryn\u0173j\u0173 pinig\u0173.<\/li>\n\n\n\n<li><strong>Pirmenyb\u0119 teikiate mok\u0117jimams kortele u\u017e didesnes sumas<\/strong> kai j\u016bs\u0173 kelion\u0117s kortel\u0117 si\u016blo 0% FX<\/li>\n\n\n\n<li><strong>Laikykite nedidelius grynuosius pinigus avariniu atveju<\/strong> pagrindine valiuta (USD arba EUR) kaip atsargin\u0119 kopij\u0105, bet pirmiausia pasikliaukite ma\u017e\u0173 mokes\u010di\u0173 programomis.<\/li>\n<\/ul>\n\n\n\n<p>Jei kas nors atrodo \u012ftartina, naudokit\u0117s program\u0117l\u0117je esan\u010dia momentinio \u012f\u0161aldymo \/ at\u0161aldymo funkcija - keliais bakstel\u0117jimais galite i\u0161kart u\u017eblokuoti kortel\u0119, kol atliksite tyrim\u0105.<\/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>Kelioni\u0173 pinigini\u0173 ir keli\u0173 valiut\u0173 korteli\u0173 palyginimas<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>\u201cKelioni\u0173 kortel\u0117s\u201d dabar gali b\u016bti \u012fvairios - nuo paprast\u0173 i\u0161ankstinio mok\u0117jimo korteli\u0173 iki i\u0161sami\u0173 daugiavaliutini\u0173 pinigini\u0173 su vietos banko s\u0105skaitos duomenimis. Supratimas apie skirtumus pad\u0117s jums pasirinkti tinkam\u0105 priemon\u0119.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Main_Types\"><\/span>Pagrindiniai tipai<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>Tipas<\/th><th>Pavyzd\u017eiai<\/th><th>Geriausia<\/th><\/tr><tr><td><strong>Keli\u0173 valiut\u0173 debeto kortel\u0117s<\/strong><\/td><td>\"Wise\", \"Revolut\", \"N26\", \"Monzo\", \"Starling<\/td><td>Lanks\u010dios i\u0161laidos ir keli\u0173 valiut\u0173 tur\u0117jimas<\/td><\/tr><tr><td><strong>I\u0161ankstinio apmok\u0117jimo kelioni\u0173 kortel\u0117s<\/strong><\/td><td>\"Caxton\", pa\u0161to, oro linij\u0173 ir prekybos centr\u0173 kortel\u0117s<\/td><td>Grie\u017etas biud\u017eeto sudarymas, tarif\u0173 fiksavimas<\/td><\/tr><tr><td><strong>Skaitmenin\u0117s pinigin\u0117s perdangos<\/strong><\/td><td>Kreiv\u0117, <a href=\"https:\/\/blog.lebara.co.uk\/lt\/a-guide-to-the-top-iphones-for-business-and-pleasure\/\">\"Apple\"<\/a> Mok\u0117ti, \"Google Pay<\/td><td>Sluoksniavimas ant esam\u0173 korteli\u0173<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Multi-Currency_Wallets\"><\/span>Keli\u0173 valiut\u0173 pinigin\u0117s<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>Juose galite laikyti liku\u010dius keli\u0173 u\u017esienio valiut\u0173 s\u0105skaitose - EUR, USD, AUD ir kt. Galite konvertuoti pinigus, kai kursai atrodo palank\u016bs, ir v\u0117liau i\u0161leisti pinigus i\u0161 \u0161io liku\u010dio be joki\u0173 papildom\u0173 valiutos keitimo operacij\u0173.<\/p>\n\n\n\n<p><strong>Stipriosios pus\u0117s:<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Vidutiniai arba artimi vidutiniams rinkos valiut\u0173 keitimo kursai<\/li>\n\n\n\n<li>Paprastas valiut\u0173 perjungimas program\u0117l\u0117je<\/li>\n\n\n\n<li>Da\u017enai pateikite vietinio banko s\u0105skaitos duomenis, kad gal\u0117tum\u0117te gauti pavedim\u0105. <a href=\"https:\/\/blog.lebara.co.uk\/lt\/how-to-transfer-apps-to-a-new-phone\/\">pervedimas<\/a> mok\u0117jimai<\/li>\n\n\n\n<li>Ma\u017eesni nei tradicini\u0173 bank\u0173 mokes\u010diai u\u017e tarptautinius pervedimus<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Prepaid_Travel_Cards\"><\/span>I\u0161ankstinio mok\u0117jimo kelion\u0117s kortel\u0117s<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>Pa\u0161to, prekybos centr\u0173 ar specializuot\u0173 paslaug\u0173 teik\u0117j\u0173 i\u0161 anksto apmok\u0117tose kortel\u0117se galite \u012fmok\u0117ti pinig\u0173 prie\u0161 kelion\u0119, da\u017enai pagal fiksuot\u0105 tarif\u0105.<\/p>\n\n\n\n<p><strong>Stipriosios pus\u0117s:<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Gerai tinka grie\u017etai planuoti biud\u017eet\u0105 - galite i\u0161leisti tik tai, k\u0105 \u012fkrov\u0117te.<\/li>\n\n\n\n<li>Kai kurie si\u016blo tarif\u0173 apsaug\u0105, jei pakraunate i\u0161 anksto<\/li>\n\n\n\n<li>Naudinga atsargin\u0117 kortel\u0117<\/li>\n<\/ul>\n\n\n\n<p><strong>Silpnyb\u0117s:<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Gali b\u016bti taikomi \u012fkrovimo mokes\u010diai, neveikimo mokes\u010diai arba prasti valiut\u0173 keitimo kursai, palyginti su \"Wise\" \/ \"Revolut\".<\/li>\n\n\n\n<li>Ma\u017eiau lankstumo nei program\u0117l\u0117mis pagr\u012fstos alternatyvos<\/li>\n\n\n\n<li>Da\u017enai tr\u016bksta internetin\u0117s prekybos ir skaitmenin\u0117s pinigin\u0117s integracijos<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Digital_Wallets\"><\/span>Skaitmenin\u0117s pinigin\u0117s<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>\"Apple Pay\" ir \"Google Pay\" leid\u017eia naudotis \"Wise\", \"Revolut\" ar banko kortel\u0117mis telefone arba laikrodyje. \"Curve\" veikia kaip tarpininkas - palie\u010diate savo \"Curve\" kortel\u0119 (fizin\u0119 arba per \"Apple Pay\" \/ \"Google Pay\") ir \"Curve\" nuskai\u010diuoja mokest\u012f u\u017e pasirinkt\u0105 pagrindin\u0119 kortel\u0119.<\/p>\n\n\n\n<p>Daugumai 2025 m. keliautoj\u0173 lanks\u010diausias ir ekonomi\u0161kiausias variantas yra keli\u0173 valiut\u0173 debeto kortel\u0117 arba program\u0117le paremtas bankas su 0% FX u\u017e i\u0161laidas ir ribotu nemokamu naudojimusi bankomatais. I\u0161ankstinio mok\u0117jimo kortel\u0117s tinka kaip atsarginis variantas tiems, kurie nori geriau kontroliuoti fiksuot\u0105 atostog\u0173 biud\u017eet\u0105.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Example_Setups_for_Different_Traveller_Types\"><\/span>Skirting\u0173 tip\u0173 keliautoj\u0173 s\u0105rank\u0173 pavyzd\u017eiai<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>\u0160tai kaip derinti program\u0117les ir korteles, kad suma\u017eintum\u0117te mokes\u010dius \u012fvairiais kelioni\u0173 atvejais.<\/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>Jungtin\u0117s Karalyst\u0117s keliautojas po miest\u0105: 4 dienos Europoje<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p><strong>Nustatymas:<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Pagrindin\u0117 kortel\u0117:<\/strong> \"Monzo\" arba \"Starling\" kasdieniams mok\u0117jimams (0% FX)<\/li>\n\n\n\n<li><strong>Atsargin\u0117 kopija:<\/strong> \"Wise\" kortel\u0117, kuria galima i\u0161siimti pinig\u0173 i\u0161 bankomat\u0173, nevir\u0161ijant nemokamos sumos<\/li>\n\n\n\n<li><strong>Skubi pagalba:<\/strong> Nam\u0173 banko debeto arba kredito kortel\u0117 (saugoma vie\u0161bu\u010dio seife).<\/li>\n<\/ul>\n\n\n\n<p><strong>Apskai\u010diuotos sutaupytos l\u0117\u0161os:<\/strong> I\u0161leisdami 800 svar\u0173 sterling\u0173 atostogoms tradiciniame Jungtin\u0117s Karalyst\u0117s banke, kuris taiko 2,99% FX mokest\u012f, sumok\u0117tum\u0117te ma\u017edaug 24 svarus sterling\u0173 mokes\u010di\u0173. Naudodamiesi \"Monzo\/Starling\" sumok\u0117tum\u0117te 0 svar\u0173 sterling\u0173 - sutaupytum\u0117te pakankamai gerai vakarienei.<\/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>Skaitmeninis klajoklis: 3 m\u0117nesiai Europoje ir Azijoje<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p><strong>Nustatymas:<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Pagrindin\u0117 paskyra:<\/strong> \"Wise\" arba \"Revolut\", kad gautum\u0117te atlyginim\u0105 keliomis valiutomis ir valdytum\u0117te keli\u0173 valiut\u0173 pinigines.<\/li>\n\n\n\n<li><strong>Antrin\u0117:<\/strong> Vietinio banko s\u0105skaita, jei yra (naudinga periodiniams vietiniams mok\u0117jimams atlikti).<\/li>\n\n\n\n<li><strong>ATM strategija:<\/strong> re\u010diau i\u0161siimkite didesnes sumas, naudokit\u0117s tik did\u017eiaisiais bankais, visada atsisakykite DCC<\/li>\n<\/ul>\n\n\n\n<p><strong>Numatomas metinis sutaupymas:<\/strong> Jei klajoklis i\u0161leid\u017eia 2 000 svar\u0173 sterling\u0173 per m\u0117nes\u012f u\u017esienyje su standartine banko kortele (2,99% FX + bankomat\u0173 mokes\u010diai), jis per metus gali sumok\u0117ti daugiau nei 800 svar\u0173 sterling\u0173 pasl\u0117pt\u0173 mokes\u010di\u0173. Naudojant \"Wise\/Revolut\" ir protingus bankomat\u0173 naudojimo \u012fpro\u010dius, \u0161i suma suma\u017e\u0117ja iki ma\u017eiau nei 100 svar\u0173 sterling\u0173.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"US-Based_Parent_Supporting_a_Student_Abroad\"><\/span>JAV gyvenantis t\u0117vas: parama mokiniui u\u017esienyje<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p><strong>Nustatymas:<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Perdavimo b\u016bdas:<\/strong> Protinga atlikti pinig\u0173 pervedimus i\u0161 USD \u012f EUR arba GBP (konkurencingesnis valiutos keitimo kursas nei banko pavedimu)<\/li>\n\n\n\n<li><strong>Studentas gauna:<\/strong> Keli\u0173 valiut\u0173 pinigin\u0117 su \"Wise\" arba \"Revolut<\/li>\n\n\n\n<li><strong>Student\u0173 i\u0161laidos:<\/strong> Susietoji debeto arba kredito kortel\u0117 u\u017esienyje su 0% FX ir kontroliuojamais i\u0161\u0117mimo i\u0161 bankomat\u0173 limitais<\/li>\n<\/ul>\n\n\n\n<p><strong>Apskai\u010diuotos sutaupytos l\u0117\u0161os:<\/strong> Si\u0173sdami $500 per m\u0117nes\u012f tradiciniu banko pavedimu su prastais valiut\u0173 keitimo kursais, galite mok\u0117ti $30-40 m\u0117nesini\u0173 mokes\u010di\u0173. \"Wise\" u\u017e tok\u012f pat\u012f pervedim\u0105 paprastai ima $5-10, taigi sutaupoma $200-300T per metus.<\/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>Paskutiniai patarimai, kaip protingiau i\u0161laidauti u\u017esienyje ir naudotis grynaisiais pinigais<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Trys pagrindiniai svertai kontroliuoja j\u016bs\u0173 i\u0161laidas u\u017esienyje:<\/p>\n\n\n\n<ol class=\"wp-block-list\">\n<li><strong>Pasirinkite tinkam\u0105 program\u0117l\u0119<\/strong> - 0% u\u017esienio sandori\u0173 mokes\u010diai, vidutiniai rinkos \u012fkainiai, nemokami bankomat\u0173 mokes\u010diai<\/li>\n\n\n\n<li><strong>Visada mok\u0117kite vietine valiuta<\/strong> - niekada nepriimti DCC bankomatuose ar korteli\u0173 aparatuose.<\/li>\n\n\n\n<li><strong>Suma\u017einkite s\u0105veik\u0105 su blogais bankomatais<\/strong> - venkite nepriklausom\u0173 operatori\u0173, lankykit\u0117s bank\u0173 filialuose.<\/li>\n<\/ol>\n\n\n\n<p>Prie\u0161 kiekvien\u0105 kelion\u0119 \u012f u\u017esien\u012f patikrinkite savo paslaug\u0173 teik\u0117jo 2025 m. \u012fkaini\u0173 s\u0105ra\u0161\u0105. Valiut\u0173 keitimo mokes\u010diai, nemokam\u0173 bankomat\u0173 limitai ir savaitgalio antkainiai gali keistis kasmet arba priklausomai nuo plano pakopos. Tai, kas veik\u0117 pra\u0117jusiais metais, \u0161iemet gali b\u016bti ne taip pat.<\/p>\n\n\n\n<p>Prie\u0161 kelion\u0119 atlikite nedidel\u0119 \u201cbandom\u0105j\u0105\u201d operacij\u0105, pavyzd\u017eiui, pirkin\u012f internetu u\u017esienio valiuta, kad \u012fsitikintum\u0117te, kaip mokes\u010diai rodomi program\u0117l\u0117s i\u0161ra\u0161e. Geriau netik\u0117t\u0105 mokest\u012f aptikti s\u0117dint namie nei restorane Romoje.<\/p>\n\n\n\n<p>Patikimiausia daugelio \u0161ali\u0173 s\u0105ranka:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Kredito kortel\u0117 be mokes\u010di\u0173 dideliems pirkiniams su pirkimo apsauga (skryd\u017eiai, vie\u0161bu\u010diai)<\/li>\n\n\n\n<li>Ma\u017eo mokes\u010dio keli\u0173 valiut\u0173 debeto kortel\u0117 kasdien\u0117ms i\u0161laidoms ir gryniesiems pinigams<\/li>\n<\/ul>\n\n\n\n<p>Kelios minut\u0117s planavimo gali pad\u0117ti sutaupyti 50-200 svar\u0173 sterling\u0173 \u012fprastoms vienos savait\u0117s atostogoms. Da\u017enai keliaujantys ir skaitmeniniai klajokliai per metus gali sutaupyti \u0161imtus ar net t\u016bkstan\u010dius svar\u0173 sterling\u0173.<\/p>\n\n\n\n<p>Program\u0117li\u0173 yra. Yra konkurencing\u0173 tarif\u0173 galimybi\u0173. Vienintelis klausimas, ar \u0161ias santaupas i\u0161leisite patir\u010diai, ar atiduosite jas bankui d\u0117l \u012fprast\u0173 sp\u0105st\u0173 ir konvertavimo mokes\u010di\u0173.<\/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\/lt\/best-apps-for-money-conversions-payments-abroad\/\">Skaityti daugiau<\/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\/lt\/wp-json\/wp\/v2\/posts\/3699","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/blog.lebara.co.uk\/lt\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/blog.lebara.co.uk\/lt\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/blog.lebara.co.uk\/lt\/wp-json\/wp\/v2\/users\/8"}],"replies":[{"embeddable":true,"href":"https:\/\/blog.lebara.co.uk\/lt\/wp-json\/wp\/v2\/comments?post=3699"}],"version-history":[{"count":1,"href":"https:\/\/blog.lebara.co.uk\/lt\/wp-json\/wp\/v2\/posts\/3699\/revisions"}],"predecessor-version":[{"id":3709,"href":"https:\/\/blog.lebara.co.uk\/lt\/wp-json\/wp\/v2\/posts\/3699\/revisions\/3709"}],"wp:attachment":[{"href":"https:\/\/blog.lebara.co.uk\/lt\/wp-json\/wp\/v2\/media?parent=3699"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/blog.lebara.co.uk\/lt\/wp-json\/wp\/v2\/categories?post=3699"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/blog.lebara.co.uk\/lt\/wp-json\/wp\/v2\/tags?post=3699"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}