{"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\/zh\/best-apps-for-money-conversions-payments-abroad\/","title":{"rendered":"\u7528\u4e8e\u6d77\u5916\u8d27\u5e01\u5151\u6362\u548c\u652f\u4ed8\u7684\u6700\u4f73\u5e94\u7528\u7a0b\u5e8f"},"content":{"rendered":"<p>\u65c5\u884c <a href=\"https:\/\/blog.lebara.co.uk\/zh\/using-data-abroad-what-you-need-to-know\/\">\u6d77\u5916<\/a> \u5e94\u8be5\u662f\u65b0\u7684\u4f53\u9a8c\uff0c\u800c\u4e0d\u662f\u770b\u4f60\u7684\u5047\u671f <a href=\"https:\/\/blog.lebara.co.uk\/zh\/the-top-five-budget-smartphones-in-the-uk\/\">\u9884\u7b97<\/a> \u94f6\u884c\u624b\u7eed\u8d39\u548c\u7cdf\u7cd5\u7684\u6c47\u7387\u3002\u7136\u800c\uff0c\u5bf9\u4e8e\u6570\u4ee5\u767e\u4e07\u8ba1\u4f7f\u7528\u4f20\u7edf\u94f6\u884c\u7684\u65c5\u884c\u8005\u6765\u8bf4\uff0c\u8fd9\u6b63\u662f\u53d1\u751f\u5728\u4ed6\u4eec\u8eab\u4e0a\u7684\u4e8b\u60c5--\u4ed6\u4eec\u751a\u81f3\u5e38\u5e38\u6ca1\u6709\u610f\u8bc6\u5230\u8fd9\u4e00\u70b9\u3002.<\/p>\n\n\n\n<p>\u597d\u6d88\u606f\u662f\u4ec0\u4e48\uff1f2025 \u5e74\uff0c\u51e0\u6b3e\u667a\u80fd\u5e94\u7528\u7a0b\u5e8f\u5c31\u80fd\u5c06\u60a8\u7684\u6d77\u5916\u6d88\u8d39\u6210\u672c\u964d\u81f3\u51e0\u4e4e\u4e3a\u96f6\u3002\u65e0\u8bba\u60a8\u662f\u53bb\u5df4\u585e\u7f57\u90a3\u5ea6\u4e00\u4e2a\u957f\u5468\u672b\uff0c\u8fd8\u662f\u82b1\u4e09\u4e2a\u6708\u65f6\u95f4\u5728\u5df4\u5398\u5c9b\u548c\u66fc\u8c37\u4e4b\u95f4\u8f97\u8f6c\uff0c\u9009\u62e9\u5408\u9002\u7684\u591a\u5e01\u79cd\u94b1\u5305\u6216\u65c5\u884c\u8d27\u5e01\u5e94\u7528\u7a0b\u5e8f\u90fd\u80fd\u8ba9\u60a8\u7684\u65c5\u884c\u53d8\u5f97\u4e0e\u4f17\u4e0d\u540c\u3002.<\/p>\n\n\n\n<p>\u672c\u6307\u5357\u8be6\u7ec6\u4ecb\u7ecd\u4e86\u5982\u4f55\u907f\u514d\u5883\u5916\u4ea4\u6613\u8d39\u7528\u3001\u907f\u5f00\u6602\u8d35\u7684 ATM \u624b\u7eed\u8d39\uff0c\u4ee5\u53ca\u5728\u5883\u5916\u8d2d\u7269\u65f6\u5c3d\u53ef\u80fd\u83b7\u5f97\u6700\u4f73\u6c47\u7387\u3002\u6211\u4eec\u5c06\u6bd4\u8f83\u9886\u5148\u7684\u5e94\u7528\u7a0b\u5e8f\uff0c\u89e3\u91ca\u8ba9\u5927\u591a\u6570\u65c5\u884c\u8005\u671b\u800c\u5374\u6b65\u7684\u9690\u85cf\u8d39\u7528\uff0c\u5e76\u4e3a\u60a8\u63d0\u4f9b\u9002\u5408\u4e0d\u540c\u65c5\u884c\u98ce\u683c\u7684\u5b9e\u7528\u8bbe\u7f6e\u3002.<\/p>\n\n\n\n<div id=\"ez-toc-container\" class=\"ez-toc-v2_0_83 counter-hierarchy ez-toc-counter ez-toc-grey ez-toc-container-direction\">\n<div class=\"ez-toc-title-container\">\n<p class=\"ez-toc-title\" style=\"cursor:inherit\">\u76ee\u5f55<\/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=\"\u5207\u6362\u76ee\u5f55\"><span class=\"ez-toc-js-icon-con\"><span class=\"\"><span class=\"eztoc-hide\" style=\"display:none;\">\u5207\u6362<\/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\/zh\/best-apps-for-money-conversions-payments-abroad\/#Quick_Answer_Best_Apps_to_Use_in_2025\" >\u5feb\u901f\u56de\u7b54\uff1a2025 \u5e74\u6700\u9002\u5408\u4f7f\u7528\u7684\u5e94\u7528\u7a0b\u5e8f<\/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\/zh\/best-apps-for-money-conversions-payments-abroad\/#What_Are_Foreign_Transaction_Fees_%E2%80%93_And_How_Much_Do_They_Cost_in_2025\" >\u4ec0\u4e48\u662f\u56fd\u5916\u4ea4\u6613\u8d39--2025 \u5e74\u7684\u8d39\u7528\u662f\u591a\u5c11\uff1f<\/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\/zh\/best-apps-for-money-conversions-payments-abroad\/#Hidden_Charges_When_Paying_and_Withdrawing_Abroad\" >\u6d77\u5916\u652f\u4ed8\u548c\u63d0\u6b3e\u65f6\u7684\u9690\u85cf\u8d39\u7528<\/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\/zh\/best-apps-for-money-conversions-payments-abroad\/#How_to_Avoid_Foreign_Transaction_Fees_on_Card_Payments_Abroad\" >\u5982\u4f55\u907f\u514d\u56fd\u5916\u94f6\u884c\u5361\u652f\u4ed8\u7684\u56fd\u5916\u4ea4\u6613\u8d39<\/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\/zh\/best-apps-for-money-conversions-payments-abroad\/#Always_Pay_in_the_Local_Currency\" >\u59cb\u7ec8\u4f7f\u7528\u5f53\u5730\u8d27\u5e01\u652f\u4ed8<\/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\/zh\/best-apps-for-money-conversions-payments-abroad\/#Weekend_Exchange_Rate_Markups_Explained\" >\u5468\u672b\u6c47\u7387\u6807\u4ef7\u89e3\u91ca<\/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\/zh\/best-apps-for-money-conversions-payments-abroad\/#Best_Apps_for_Money_Conversion_and_Spending_Abroad_in_2025\" >2025 \u5e74\u6d77\u5916\u8d27\u5e01\u5151\u6362\u548c\u6d88\u8d39\u6700\u4f73\u5e94\u7528\u7a0b\u5e8f<\/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\/zh\/best-apps-for-money-conversions-payments-abroad\/#Wise\" >\u660e\u667a<\/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\/zh\/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\/zh\/best-apps-for-money-conversions-payments-abroad\/#Monzo_UK\" >\u8499\u7d22\uff08\u82f1\u56fd\uff09<\/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\/zh\/best-apps-for-money-conversions-payments-abroad\/#Starling_UK\" >\u65af\u7279\u6797\uff08\u82f1\u56fd\uff09<\/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\/zh\/best-apps-for-money-conversions-payments-abroad\/#Curve\" >\u66f2\u7ebf<\/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\/zh\/best-apps-for-money-conversions-payments-abroad\/#N26_EU\" >N26\uff08\u6b27\u76df\uff09<\/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\/zh\/best-apps-for-money-conversions-payments-abroad\/#Chase_UK\" >\u5927\u901a\u82f1\u56fd<\/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\/zh\/best-apps-for-money-conversions-payments-abroad\/#How_to_Choose\" >\u5982\u4f55\u9009\u62e9<\/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\/zh\/best-apps-for-money-conversions-payments-abroad\/#How_to_Avoid_Cash_Machine_ATM_Charges_Abroad\" >\u5982\u4f55\u907f\u514d\u5728\u56fd\u5916\u88ab\u81ea\u52a8\u53d6\u6b3e\u673a\uff08ATM\uff09\u6536\u8d39<\/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\/zh\/best-apps-for-money-conversions-payments-abroad\/#Best_Practices_for_Using_ATMs_Abroad_in_2025\" >2025 \u5e74\u5728\u56fd\u5916\u4f7f\u7528\u81ea\u52a8\u53d6\u6b3e\u673a\u7684\u6700\u4f73\u505a\u6cd5<\/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\/zh\/best-apps-for-money-conversions-payments-abroad\/#Before_Departure\" >\u51fa\u53d1\u524d<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-19\" href=\"https:\/\/blog.lebara.co.uk\/zh\/best-apps-for-money-conversions-payments-abroad\/#At_the_ATM\" >\u5728\u81ea\u52a8\u53d6\u6b3e\u673a\u4e0a<\/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\/zh\/best-apps-for-money-conversions-payments-abroad\/#Budgeting_Your_Cash_Needs\" >\u9884\u7b97\u60a8\u7684\u73b0\u91d1\u9700\u6c42<\/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\/zh\/best-apps-for-money-conversions-payments-abroad\/#How_Travel_Wallets_and_Multi-Currency_Cards_Compare\" >\u65c5\u884c\u94b1\u5305\u4e0e\u591a\u5e01\u79cd\u5361\u7684\u6bd4\u8f83<\/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\/zh\/best-apps-for-money-conversions-payments-abroad\/#Main_Types\" >\u4e3b\u8981\u7c7b\u578b<\/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\/zh\/best-apps-for-money-conversions-payments-abroad\/#Multi-Currency_Wallets\" >\u591a\u79cd\u8d27\u5e01\u94b1\u5305<\/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\/zh\/best-apps-for-money-conversions-payments-abroad\/#Prepaid_Travel_Cards\" >\u9884\u4ed8\u65c5\u884c\u5361<\/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\/zh\/best-apps-for-money-conversions-payments-abroad\/#Digital_Wallets\" >\u6570\u5b57\u94b1\u5305<\/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\/zh\/best-apps-for-money-conversions-payments-abroad\/#Example_Setups_for_Different_Traveller_Types\" >\u4e0d\u540c\u65c5\u884c\u8005\u7c7b\u578b\u7684\u8bbe\u7f6e\u793a\u4f8b<\/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\/zh\/best-apps-for-money-conversions-payments-abroad\/#UK_City-Break_Traveller_4_Days_in_Europe\" >\u82f1\u56fd\u57ce\u5e02\u65c5\u884c\u8005\uff1a\u6b27\u6d32\u56db\u65e5\u6e38<\/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\/zh\/best-apps-for-money-conversions-payments-abroad\/#Digital_Nomad_3_Months_in_Europe_and_Asia\" >\u6570\u5b57\u6e38\u6c11\uff1a\u5728\u6b27\u6d32\u548c\u4e9a\u6d32\u6e38\u5386\u4e09\u4e2a\u6708<\/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\/zh\/best-apps-for-money-conversions-payments-abroad\/#US-Based_Parent_Supporting_a_Student_Abroad\" >\u7f8e\u56fd\u5bb6\u957f\uff1a\u4e3a\u6d77\u5916\u5b66\u751f\u63d0\u4f9b\u652f\u6301<\/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\/zh\/best-apps-for-money-conversions-payments-abroad\/#Final_Tips_for_Smarter_Overseas_Spending_and_Cash_Access\" >\u7cbe\u660e\u6d77\u5916\u6d88\u8d39\u548c\u73b0\u91d1\u5b58\u53d6\u7684\u6700\u540e\u63d0\u793a<\/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>\u5feb\u901f\u56de\u7b54\uff1a2025 \u5e74\u6700\u9002\u5408\u4f7f\u7528\u7684\u5e94\u7528\u7a0b\u5e8f<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>2025 \u5e74\uff0c\u5bf9\u4e8e\u82f1\u56fd\u3001\u6b27\u76df\u3001\u7f8e\u56fd\u548c\u6fb3\u5927\u5229\u4e9a\u7684\u65c5\u884c\u8005\u6765\u8bf4\uff0c\u4f7f\u7528\u6b63\u786e\u7684\u591a\u5e01\u79cd\u5e94\u7528\u7a0b\u5e8f\u51e0\u4e4e\u53ef\u4ee5\u514d\u9664\u56fd\u5916\u4ea4\u6613\u8d39\u548c ATM \u8d39\u7528\u3002\u867d\u7136\u4f20\u7edf\u94f6\u884c\u4ecd\u7136\u5bf9\u6bcf\u7b14\u6d77\u5916\u4ea4\u6613\u6536\u53d6 2.75%-3% \u7684\u624b\u7eed\u8d39\uff0c\u4f46\u8fd9\u4e9b\u91d1\u878d\u79d1\u6280\u66ff\u4ee3\u65b9\u6848\u53ef\u63d0\u4f9b\u514d\u624b\u7eed\u8d39\u7684\u6d88\u8d39\u548c\u6709\u7ade\u4e89\u529b\u7684\u6c47\u7387\uff0c\u4e3a\u60a8\u8282\u7701\u771f\u91d1\u767d\u94f6\u3002.<\/p>\n\n\n\n<p><strong>2025 \u5e74\u7684\u6700\u4f73\u9009\u62e9<\/strong><\/p>\n\n\n\n<figure class=\"wp-block-table\"><table class=\"has-fixed-layout\"><tbody><tr><th>\u5e94\u7528\u7a0b\u5e8f<\/th><th>\u6700\u9002\u5408<\/th><th>\u4e3b\u8981\u4f18\u52bf<\/th><\/tr><tr><td><strong>\u660e\u667a<\/strong><\/td><td>\u603b\u4f53\u4ef7\u503c<\/td><td>\u900f\u660e\u3001\u4f4e\u8d39\u7528\u7684\u4e2d\u7b49\u5e02\u573a\u6c47\u7387<\/td><\/tr><tr><td><strong>Revolut<\/strong><\/td><td>\u529f\u80fd\u591a\u6837<\/td><td>\u591a\u79cd\u8d27\u5e01\u6301\u6709\u3001\u9884\u7b97\u7f16\u5236\u5de5\u5177\u3001\u8986\u76d6\u8303\u56f4\u5e7f<\/td><\/tr><tr><td><strong>Monzo<\/strong> \u82f1\u56fd<\/td><td>\u65e5\u5e38\u94f6\u884c\u5361\u652f\u4ed8<\/td><td>0% \u6d88\u8d39\u65f6\u6536\u53d6\u5916\u6c47\u8d39\uff0c\u754c\u9762\u7b80\u5355<\/td><\/tr><tr><td><strong>\u661f\u7075<\/strong> \u82f1\u56fd<\/td><td>\u6d77\u5916\u514d\u5b66\u8d39\u6d88\u8d39<\/td><td>\u8d2d\u7269\u6216\u53d6\u6b3e\u514d\u6536\u56fd\u5916\u4ea4\u6613\u8d39<\/td><\/tr><tr><td><strong>\u66f2\u7ebf<\/strong><\/td><td>\u5728\u73b0\u6709\u5361\u7247\u4e0a\u53e0\u52a0<\/td><td>\u4f7f\u7528\u73b0\u6709\u7684 FX \u5361<\/td><\/tr><tr><td><strong>N26<\/strong> \uff08\u6b27\u76df\uff09<\/td><td>\u6b27\u6d32\u65c5\u5ba2<\/td><td>\u575a\u5b9e\u7684\u514d\u8d39\u5c42\uff0c\u65e0\u5916\u6c47\u52a0\u4ef7<\/td><\/tr><tr><td><strong>\u5927\u901a\u82f1\u56fd<\/strong><\/td><td>\u82f1\u56fd\u6e38\u5ba2<\/td><td>\u56fd\u5916\u65e0\u8d39\u7528\uff0c1% \u73b0\u91d1\u8fd4\u8fd8<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p>\u5728\u56fd\u5916\u5237\u5361\u652f\u4ed8\u65b9\u9762\uff0cMonzo\u3001Starling \u548c\u82f1\u56fd\u5927\u901a\u94f6\u884c\u63d0\u4f9b\u771f\u6b63\u7684\u514d\u624b\u7eed\u8d39\u6d88\u8d39\u3002\u5728\u63d0\u53d6\u73b0\u91d1\u65b9\u9762\uff0cWise \u5728\u6536\u53d6\u4e00\u5b9a\u6bd4\u4f8b\u7684\u624b\u7eed\u8d39\u4e4b\u524d\u63d0\u4f9b\u514d\u8d39 ATM \u9650\u989d\uff0c\u800c Revolut \u5219\u63d0\u4f9b\u7c7b\u4f3c\u7684\u9650\u989d\uff0c\u4f46\u5728\u8d27\u5e01\u5151\u6362\u65b9\u9762\u6536\u53d6\u5468\u672b\u52a0\u4ef7\u3002.<\/p>\n\n\n\n<p>\u82f1\u56fd\u4f20\u7edf\u7684\u9ad8\u8857\u94f6\u884c\u4ecd\u7136\u6536\u53d6\u7ea6 2.75%-3% \u7684\u56fd\u5916\u4ea4\u6613\u8d39\uff0c\u5916\u52a0\u5355\u72ec\u7684 ATM \u63d0\u6b3e\u8d39\u548c\u52a8\u6001\u8d27\u5e01\u5151\u6362 (DCC) \u52a0\u4ef7\u3002\u8fd9\u8fd8\u4e0d\u7b97\u5f53\u5730\u53d6\u6b3e\u673a\u6536\u53d6\u7684\u624b\u7eed\u8d39\u3002.<\/p>\n\n\n\n<p>\u672c\u6587\u5176\u4f59\u90e8\u5206\u4e3b\u8981\u9488\u5bf9\u82f1\u56fd\u548c\u5176\u4ed6\u4e3b\u8981\u82f1\u8bed\u5e02\u573a\u7684\u8bfb\u8005\uff0c\u5bf9\u8d39\u7528\u3001\u5468\u672b\u52a0\u4ef7\u3001\u81ea\u52a8\u53d6\u6b3e\u673a\u7b56\u7565\u548c\u9010\u4e2a\u5e94\u7528\u7a0b\u5e8f\u7684\u6bd4\u8f83\u8fdb\u884c\u4e86\u5206\u6790\u3002.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"What_Are_Foreign_Transaction_Fees_%E2%80%93_And_How_Much_Do_They_Cost_in_2025\"><\/span>\u4ec0\u4e48\u662f\u56fd\u5916\u4ea4\u6613\u8d39--2025 \u5e74\u7684\u8d39\u7528\u662f\u591a\u5c11\uff1f<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>\u5883\u5916\u4ea4\u6613\u8d39\u662f\u6307\u5f53\u60a8\u4f7f\u7528\u4e0d\u540c\u4e8e\u94f6\u884c\u5361 \u201c\u672c\u4f4d \u201d\u8d27\u5e01\u7684\u8d27\u5e01\u652f\u4ed8\u65f6\uff0c\u94f6\u884c\u6216\u5e94\u7528\u7a0b\u5e8f\u6536\u53d6\u7684\u8d39\u7528\u767e\u5206\u6bd4\u3002\u6bcf\u6b21\u60a8\u5728\u6cd5\u56fd\u4f7f\u7528\u82f1\u56fd\u94f6\u884c\u5361\u6216\u5728\u65e5\u672c\u4f7f\u7528\u7f8e\u56fd\u94f6\u884c\u5361\u65f6\uff0c\u90fd\u4f1a\u6084\u7136\u4ea7\u751f\u8fd9\u7b14\u8d39\u7528\u3002.<\/p>\n\n\n\n<p><strong>2025 \u5e74\u7684\u5178\u578b\u8303\u56f4\uff1a<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>\u82f1\u56fd\u9ad8\u8857\u94f6\u884c\uff1a<\/strong> \u6bcf\u6b21\u8d2d\u4e70\u6216\u63d0\u53d6\u73b0\u91d1 2.75%-3%<\/li>\n\n\n\n<li><strong>\u7f8e\u56fd\u94f6\u884c\uff1a<\/strong> 2%-3%\uff08\u67d0\u4e9b\u9ad8\u7ea7\u5361\u53ef\u514d\u6b64\u8d39\uff09<\/li>\n\n\n\n<li><strong>\u9ad8\u7ea7\u65c5\u884c\u5361\u548c\u65b0\u94f6\u884c\uff1a<\/strong> 0%<\/li>\n<\/ul>\n\n\n\n<p>\u6700\u5438\u5f15\u4eba\u7684\u5730\u65b9\u5728\u4e8e\uff1a\u4e00\u7b14\u6d77\u5916\u4ea4\u6613\u53ef\u4ee5\u6709\u4e09\u4e2a\u4e0d\u540c\u7684\u5c42\u7ea7\u3002.<\/p>\n\n\n\n<ol class=\"wp-block-list\">\n<li><strong>\u56fd\u5916\u4ea4\u6613\u8d39<\/strong> - \u60a8\u94f6\u884c\u7684\u767e\u5206\u6bd4\u6536\u8d39<\/li>\n\n\n\n<li><strong>\u5916\u6c47\u52a0\u4ef7<\/strong> - \u60a8\u83b7\u5f97\u7684\u5229\u7387\u4e0e\u5e02\u573a\u4e2d\u95f4\u4ef7\u4e4b\u95f4\u7684\u5dee\u989d<\/li>\n\n\n\n<li><strong>\u5f53\u5730\u81ea\u52a8\u53d6\u6b3e\u673a\/\u8fd0\u8425\u5546\u8d39\u7528<\/strong> - \u53d6\u6b3e\u673a\u672c\u8eab\u7684\u56fa\u5b9a\u6536\u8d39<\/li>\n<\/ol>\n\n\n\n<p><strong>\u5177\u4f53\u4f8b\u5b50<\/strong> \u60a8\u5728\u897f\u73ed\u7259\u5ea6\u5047\u4e00\u5468\uff0c\u4f7f\u7528\u6807\u51c6\u82f1\u56fd\u94f6\u884c\u501f\u8bb0\u5361\u6d88\u8d39 1000 \u82f1\u9551\uff0c\u5883\u5916\u4ea4\u6613\u8d39\u4e3a 2.99%\u3002\u5728\u4f60\u8fd8\u6ca1\u6709\u8003\u8651\u73b0\u91d1\u7684\u65f6\u5019\uff0c\u5927\u7ea6 30 \u82f1\u9551\u5c31\u4e0d\u89c1\u4e86\u3002\u518d\u52a0\u4e0a\u51e0\u7b14 ATM \u63d0\u6b3e\uff0c\u6bcf\u7b14 3 \u6b27\u5143\uff0c\u4f60\u5c31\u4f1a\u770b\u5230 40-50 \u82f1\u9551\u7684\u4e0d\u5fc5\u8981\u8d39\u7528\u3002.<\/p>\n\n\n\n<p>\u8bb8\u591a \u201c\u65c5\u884c\u4fe1\u7528\u5361\u201d\uff08\u5982 Halifax Clarity \u6216 Barclaycard Rewards\uff09\u5728\u6d88\u8d39\u65f6\u514d\u6536\u5916\u6c47\u5151\u6362\u8d39\uff0c\u8fd9\u542c\u8d77\u6765\u4e0d\u9519\u3002\u4f46\u5b83\u4eec\u5f80\u5f80\u4ece\u7b2c\u4e00\u5929\u8d77\u5c31\u5bf9\u73b0\u91d1\u63d0\u53d6\u6536\u53d6\u5229\u606f\uff0c\u8fd8\u6709\u53ef\u80fd\u6536\u53d6\u8f6c\u6362\u8d39\u3002\u5728\u8ba4\u4e3a\u4efb\u4f55\u4fe1\u7528\u5361\u771f\u6b63 \u201c\u514d\u8d39 \u201d\u4e4b\u524d\uff0c\u4e00\u5b9a\u8981\u9605\u8bfb\u5c0f\u5b57\u90e8\u5206\u3002\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>\u6d77\u5916\u652f\u4ed8\u548c\u63d0\u6b3e\u65f6\u7684\u9690\u85cf\u8d39\u7528<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>\u8d34\u7eb8\u4e0a\u7684\u4ef7\u683c\u5f88\u5c11\u662f\u5168\u90e8\u8d39\u7528\u3002\u9690\u85cf\u7684\u8d39\u7528\u5f80\u5f80\u9690\u85cf\u5728\u5c0f\u5b57\u4f53\u4e2d\uff0c\u6216\u8005\u5305\u542b\u5728\u6c47\u7387\u672c\u8eab\u4e2d--\u5982\u679c\u4f60\u7528\u9519\u4e86\u5361\u6216\u9009\u9519\u4e86\u5c4f\u5e55\u4e0a\u7684\u9009\u9879\uff0c\u5c31\u4f1a\u5728\u6b63\u5e38\u6d88\u8d39\u7684\u57fa\u7840\u4e0a\u589e\u52a0 3%-7%\u3002.<\/p>\n\n\n\n<p><strong>\u9700\u8981\u6ce8\u610f\u7684\u5e38\u89c1\u9690\u6027\u6210\u672c\uff1a<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>\u975e\u82f1\u9551\u4ea4\u6613\u8d39<\/strong> - \u901a\u5e38\u4e0e \u201c\u5916\u56fd\u4ea4\u6613\u8d39 \u201d\u5206\u5f00\u5217\u51fa\u201d<\/li>\n\n\n\n<li><strong>\u4fe1\u7528\u5361\u9884\u652f\u73b0\u91d1\u8d39\u7528<\/strong> - \u8bb8\u591a\u4fe1\u7528\u5361\u5c06 ATM \u53d6\u6b3e\u89c6\u4e3a\u9884\u652f\u73b0\u91d1\uff0c\u4ece\u7b2c\u4e00\u5929\u8d77\u6536\u53d6\u9884\u4ed8\u6b3e 3%-5% \u548c\u5229\u606f<\/li>\n\n\n\n<li><strong>\u5f53\u5730\u81ea\u52a8\u53d6\u6b3e\u673a\u9644\u52a0\u8d39<\/strong> - \u5728\u6b27\u6d32\uff0c\u6bcf\u6b21\u53d6\u6b3e\u901a\u5e38\u4e3a2-6\u6b27\u5143\uff0c\u5728\u7f8e\u56fd\u4e3a$3-$7<\/li>\n\n\n\n<li><strong>\u901a\u8fc7\u52a8\u6001\u8d27\u5e01\u8f6c\u6362 (DCC) \u5b9e\u73b0\u8f83\u4f4e\u7684\u5916\u6c47\u6c47\u7387<\/strong> - \u5f53\u60a8\u63a5\u53d7\u5728\u673a\u5668\u6216\u6536\u94f6\u673a\u4e0a\u5151\u6362\u6210\u672c\u56fd\u8d27\u5e01\u65f6<\/li>\n\n\n\n<li><strong>\u5468\u672b\u548c\u573a\u5916\u52a0\u4ef7<\/strong> - \u8bb8\u591a\u5e94\u7528\u7a0b\u5e8f\u5728\u5916\u6c47\u5e02\u573a\u4f11\u5e02\u65f6\u589e\u52a0 0.5%-1.5%<\/li>\n<\/ul>\n\n\n\n<p>\u65c5\u884c\u524d\uff0c\u8bf7\u67e5\u770b\u60a8\u7684\u94f6\u884c\u5361\u6216\u5e94\u7528\u7a0b\u5e8f\u7684\u8d44\u8d39\u9875\u9762\uff08\u786e\u4fdd\u5df2\u66f4\u65b0\u81f3 2025 \u5e74\uff09\u3002\u7279\u522b\u5173\u6ce8<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>\u201c\u975e\u65af\u7279\u6797\u4ea4\u6613\u8d39\u201d<\/li>\n\n\n\n<li>\u201c\u53d6\u73b0\u8d39 \u201d\u6216 \u201c\u56fd\u5916\u81ea\u52a8\u53d6\u6b3e\u673a\u8d39\u201d<\/li>\n\n\n\n<li>\u201c\u56fd\u5916\u4f7f\u7528\u81ea\u52a8\u53d6\u6b3e\u673a \u201d\u6761\u6b3e<\/li>\n\n\n\n<li>\u5468\u672b\u52a0\u4ef7\u653f\u7b56<\/li>\n<\/ul>\n\n\n\n<p>\u672c\u6587\u540e\u9762\u7684\u81ea\u52a8\u53d6\u6b3e\u673a\u4e13\u8282\u5c06\u4ecb\u7ecd\u907f\u514d\u5728\u81ea\u52a8\u53d6\u6b3e\u673a\u4e0a\u652f\u4ed8\u8fd9\u4e9b\u8d39\u7528\u7684\u5177\u4f53\u7b56\u7565\u3002.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"How_to_Avoid_Foreign_Transaction_Fees_on_Card_Payments_Abroad\"><\/span>\u5982\u4f55\u907f\u514d\u56fd\u5916\u94f6\u884c\u5361\u652f\u4ed8\u7684\u56fd\u5916\u4ea4\u6613\u8d39<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>\u6700\u5bb9\u6613\u7701\u94b1\u7684\u662f\u5237\u5361\u652f\u4ed8--\u9910\u5385\u3001\u9152\u5e97\u3001\u5546\u5e97--\u5728\u8fd9\u4e9b\u5730\u65b9\uff0c\u53ea\u8981\u4f7f\u7528\u6b63\u786e\u7684\u5e94\u7528\u7a0b\u5e8f\u5e76\u517b\u6210\u4e00\u4e9b\u597d\u4e60\u60ef\uff0c\u901a\u5e38\u5c31\u80fd\u5b9e\u73b0 0% FX\u3002.<\/p>\n\n\n\n<p><strong>\u9009\u62e9\u5e94\u7528\u7a0b\u5e8f\u6216\u5361\u7247\uff1a<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>0% \u56fd\u5916\u8d2d\u7269\u4ea4\u6613\u8d39<\/li>\n\n\n\n<li>\u5916\u6c47\u6c47\u7387\u4fdd\u6301\u6216\u63a5\u8fd1\u5e02\u573a\u4e2d\u95f4\u4ef7<\/li>\n\n\n\n<li>\u65e0\u5468\u672b\u52a0\u4ef7\u6216\u5468\u672b\u52a0\u4ef7\u8f83\u4f4e\uff08\u5468\u4e2d\u6700\u597d\u4e3a 0%\uff0c\u5468\u672b\u22640.5%\uff09<\/li>\n\n\n\n<li>Visa \u6216\u4e07\u4e8b\u8fbe\u5361 <a href=\"https:\/\/blog.lebara.co.uk\/zh\/how-to-find-out-what-network-youre-on\/\">\u7f51\u7edc<\/a> \u83b7\u5f97\u5168\u7403\u5e7f\u6cdb\u8ba4\u53ef<\/li>\n<\/ul>\n\n\n\n<p><strong>\u5404\u5730\u533a\u7684\u63a8\u8350\u65b9\u6848\uff1a<\/strong><\/p>\n\n\n\n<figure class=\"wp-block-table\"><table class=\"has-fixed-layout\"><tbody><tr><th>\u5730\u533a<\/th><th>\u6700\u4f73\u9009\u62e9<\/th><\/tr><tr><td><strong>\u82f1\u56fd\/\u6b27\u76df<\/strong><\/td><td>Wise\u3001Revolut\u3001Monzo\u3001Starling\u3001N26\u3001Curve<\/td><\/tr><tr><td><strong>\u7f8e\u56fd<\/strong><\/td><td>Wise\u3001Revolut\uff08\u5982\u6709\uff09\u3001\u4e13\u7528\u65e0\u5916\u6c47\u4ea4\u6613\u4fe1\u7528\u5361<\/td><\/tr><tr><td><strong>\u6fb3\u5927\u5229\u4e9a\/\u65b0\u897f\u5170<\/strong><\/td><td>Wise\u3001Revolut\u3001ING Orange Everyday\u3001\u9ea6\u683c\u7406\u4ea4\u6613\u8d26\u6237<\/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>\u59cb\u7ec8\u4f7f\u7528\u5f53\u5730\u8d27\u5e01\u652f\u4ed8<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>\u8fd9\u662f\u6d77\u5916\u6d88\u8d39\u6700\u91cd\u8981\u7684\u4e00\u6761\u89c4\u5219\u3002\u5f53\u5237\u5361\u673a\u6216\u81ea\u52a8\u53d6\u6b3e\u673a\u8be2\u95ee\u60a8\u60f3\u7528\u672c\u56fd\u8d27\u5e01\u8fd8\u662f\u5f53\u5730\u8d27\u5e01\u652f\u4ed8\u65f6\u3001, <strong>\u4e00\u5b9a\u8981\u9009\u62e9\u5f53\u5730\u8d27\u5e01<\/strong>.<\/p>\n\n\n\n<p>\u52a8\u6001\u8d27\u5e01\u5151\u6362\uff08DCC\uff09\u662f\u6307\u5546\u5bb6\u6216\u81ea\u52a8\u53d6\u6b3e\u673a \u201c\u4e3a\u65b9\u4fbf\u8d77\u89c1\u201d\uff0c\u5c06\u60a8\u8d2d\u4e70\u7684\u5546\u54c1\u5151\u6362\u6210\u60a8\u672c\u56fd\u7684\u8d27\u5e01\u3002\u5b9e\u9645\u4e0a\uff0c\u4ed6\u4eec\u91c7\u7528\u7684\u662f\u81ea\u5df1\u7684\u7cdf\u7cd5\u6c47\u7387--\u901a\u5e38\u6bd4\u60a8\u4ee5\u5176\u4ed6\u65b9\u5f0f\u83b7\u5f97\u7684\u6c47\u7387\u8fd8\u8981\u5dee 5%-7%\u3002\u8fd9\u7b14\u989d\u5916\u7684\u8d39\u7528\u76f4\u63a5\u5f52\u5546\u5bb6\u6216 ATM \u8fd0\u8425\u5546\u6240\u6709\u3002.<\/p>\n\n\n\n<blockquote class=\"wp-block-quote is-layout-flow wp-block-quote-is-layout-flow\">\n<p>\u6bcf\u6b21\u5728\u5c4f\u5e55\u4e0a\u770b\u5230 \u201c\u4ee5\u82f1\u9551\u652f\u4ed8\uff1f\u201d\u6216 \u201c\u8f6c\u6362\u4e3a\u7f8e\u5143\uff1f\u201d\u65f6\uff0c\u8bf7\u62d2\u7edd\u3002\u9009\u62e9\u56fd\u5bb6\u7684\u8d27\u5e01\u3002.<\/p>\n<\/blockquote>\n\n\n\n<p>\u5728\u94f6\u884c\u5e94\u7528\u7a0b\u5e8f\u4e2d\u6253\u5f00\u5373\u65f6\u901a\u77e5\uff0c\u8fd9\u6837\u60a8\u5c31\u53ef\u4ee5\u7acb\u5373\u770b\u5230\u672c\u5730\u91d1\u989d\u3001\u5151\u6362\u91d1\u989d\u4ee5\u53ca\u4efb\u4f55\u610f\u5916\u7684\u989d\u5916\u8d39\u7528\u3002.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Weekend_Exchange_Rate_Markups_Explained\"><\/span>\u5468\u672b\u6c47\u7387\u6807\u4ef7\u89e3\u91ca<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>\u5916\u6c47\u5e02\u573a\u5468\u4e94\u665a\u95f4\u5173\u95ed\uff0c\u76f4\u5230\u5468\u65e5\u665a\u95f4\uff08\u4f26\u6566\u65f6\u95f4\uff09\u624d\u91cd\u65b0\u5f00\u653e\u3002\u5728\u6b64\u671f\u95f4\uff0c\u8bb8\u591a\u94f6\u884c\u548c\u5e94\u7528\u7a0b\u5e8f\u4f1a\u5728\u5176\u6c47\u7387\u4e2d\u6dfb\u52a0\u4e34\u65f6\u7f13\u51b2\uff0c\u4ee5\u5e94\u5bf9\u53ef\u80fd\u51fa\u73b0\u7684\u6c47\u7387\u53d8\u52a8\uff0c\u800c\u60a8\u9700\u8981\u4e3a\u8fd9\u79cd\u7f13\u51b2\u4e70\u5355\u3002.<\/p>\n\n\n\n<p><strong>2025 \u5e74\u5178\u578b\u7684\u5468\u672b\u52a0\u4ef7\uff1a<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Revolut\uff1a<\/strong> \u5468\u672b\u5927\u591a\u6570\u8d27\u5e01\u52a0\u6536 0.5%-1%<\/li>\n\n\n\n<li><strong>\u660e\u667a<\/strong> \u5468\u672b\u52a0\u4ef7\u4e00\u822c\u8f83\u4f4e\uff0c\u4f46\u4ecd\u9002\u7528\u4e8e\u67d0\u4e9b\u8d27\u5e01\u5bf9<\/li>\n\n\n\n<li><strong>\u4f20\u7edf\u94f6\u884c\uff1a<\/strong> \u901a\u5e38\u6574\u5468\u90fd\u4f7f\u7528\u56fa\u5b9a\u7684 \u201c\u6e38\u5ba2\u4ef7\u683c\u201d\uff0c\u800c\u4e14\u5df2\u7ecf\u6807\u660e\u4e86\u4ef7\u683c<\/li>\n<\/ul>\n\n\n\n<p><strong>\u4f8b\u5982<\/strong> \u60a8\u5728\u5468\u516d\u4f7f\u7528 Revolut \u5c06 500 \u82f1\u9551\u5151\u6362\u6210\u6b27\u5143\u3002\u7531\u4e8e\u5468\u672b\u52a0\u4ef7 1%\uff0c\u60a8\u6536\u5230\u7684\u94b1\u6bd4\u5468\u4e8c\u5151\u6362\u7684\u94b1\u5927\u7ea6\u5c11 5 \u6b27\u5143\u81f3 6 \u6b27\u5143\u3002.<\/p>\n\n\n\n<p><strong>\u5c3d\u91cf\u51cf\u5c11\u5468\u672b\u8d39\u7528\u7684\u6218\u7565\uff1a<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>\u5982\u679c\u60a8\u77e5\u9053\u5468\u516d\u548c\u5468\u65e5\u4f1a\u6709\u5927\u7b14\u6d88\u8d39\uff0c\u8bf7\u5728\u5e73\u65e5\u9884\u5148\u5151\u6362\u9002\u91cf\u7684\u91d1\u989d<\/li>\n\n\n\n<li>\u9664\u975e\u4e86\u89e3\u6c47\u7387\u98ce\u9669\uff0c\u5426\u5219\u907f\u514d\u63d0\u524d\u8fdb\u884c\u6295\u673a\u6027\u7684\u5927\u989d\u5151\u6362<\/li>\n\n\n\n<li>\u5728\u8fdb\u884c\u5927\u989d\u5151\u6362\u4e4b\u524d\uff0c\u8bf7\u67e5\u770b\u60a8\u7684\u5e94\u7528\u7a0b\u5e8f\u7684\u5177\u4f53\u5468\u672b\u653f\u7b56<\/li>\n<\/ul>\n\n\n\n<p>\u4e00\u4e9b\u6570\u5b57\u94b1\u5305\uff08\u5982 Curve\uff09\u53ef\u4ee5\u5145\u5f53 \u201c\u5143\u5361\u201d\uff0c\u901a\u8fc7\u57fa\u7840\u94f6\u884c\u7684\u6c47\u7387\u8fdb\u884c\u4ea4\u6613\uff0c\u800c\u4e0d\u4f1a\u589e\u52a0\u989d\u5916\u7684\u5468\u672b\u5916\u6c47\u5151\u6362\u8d39\u7528\uff0c\u4f46\u57fa\u7840\u94f6\u884c\u5361\u53ef\u80fd\u4ecd\u6709\u81ea\u5df1\u7684\u89c4\u5219\u3002.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Best_Apps_for_Money_Conversion_and_Spending_Abroad_in_2025\"><\/span>2025 \u5e74\u6d77\u5916\u8d27\u5e01\u5151\u6362\u548c\u6d88\u8d39\u6700\u4f73\u5e94\u7528\u7a0b\u5e8f<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>\u672c\u8282\u5bf9\u4e3b\u8981\u65c5\u884c\u6c47\u6b3e\u5e94\u7528\u7a0b\u5e8f\u8fdb\u884c\u4e86\u5b9e\u7528\u6bd4\u8f83\uff0c\u91cd\u70b9\u5173\u6ce8\u5916\u6c47\u6210\u672c\u3001\u81ea\u52a8\u53d6\u6b3e\u673a\u89c4\u5219\u548c\u65e5\u5e38\u65c5\u884c\u8005\u7684\u6613\u7528\u6027\u3002.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Wise\"><\/span>\u660e\u667a<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>Wise\uff08\u524d\u8eab\u4e3a TransferWise\uff09\u4ee5\u5b9a\u4ef7\u900f\u660e\u548c\u6c47\u7387\u771f\u5b9e\u800c\u8457\u79f0\u3002\u8be5\u5e94\u7528\u91c7\u7528\u5e02\u573a\u4e2d\u95f4\u6c47\u7387\uff0c\u4e0e\u60a8\u5728\u8c37\u6b4c\u6216 XE \u4e0a\u770b\u5230\u7684\u6c47\u7387\u76f8\u540c\uff0c\u4f46\u4f1a\u6536\u53d6\u5c11\u91cf\u53ef\u89c1\u8d39\u7528\u3002.<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>FX\uff1a<\/strong> \u4e2d\u95f4\u4ef7\uff0c\u65e0\u9690\u85cf\u52a0\u4ef7<\/li>\n\n\n\n<li><strong>\u6d77\u5916\u94f6\u884c\u5361\u652f\u4ed8\uff1a<\/strong> 0% \u56fd\u5916\u4ea4\u6613\u8d39<\/li>\n\n\n\n<li><strong>\u81ea\u52a8\u53d6\u6b3e\u673a\u53d6\u6b3e\uff1a<\/strong> \u6bcf\u6708 2 \u6b21\u514d\u8d39\u53d6\u6b3e\uff0c\u6700\u9ad8 200 \u82f1\u9551\uff08\u6216\u540c\u7b49\u91d1\u989d\uff09\uff0c\u7136\u540e\u6536\u53d6 1.75% \u8d39\u7528<\/li>\n\n\n\n<li><strong>\u5468\u672b\u653f\u7b56\uff1a<\/strong> \u5bf9\u67d0\u4e9b\u8d27\u5e01\u5bf9\u7565\u6709\u52a0\u4ef7\uff0c\u4f46\u603b\u4f53\u4f4e\u4e8e\u7ade\u4e89\u5bf9\u624b<\/li>\n<\/ul>\n\n\n\n<p>\u4ee5\u4e0b\u65b9\u9762\u7684\u660e\u667a\u6027\u5c24\u4e3a\u7a81\u51fa <a href=\"https:\/\/blog.lebara.co.uk\/zh\/how-to-cut-the-cost-of-international-calls-on-a-mobile-phone\/\">\u56fd\u9645<\/a> \u8f6c\u8d26--\u60a8\u53ef\u4ee5\u6301\u6709 40 \u591a\u79cd\u8d27\u5e01\u7684\u4f59\u989d\uff0c\u5728\u591a\u4e2a\u56fd\u5bb6\u50cf\u5f53\u5730\u4eba\u4e00\u6837\u6536\u6b3e\u3002Wise \u5361\u51e0\u4e4e\u53ef\u4ee5\u5728\u63a5\u53d7\u4e07\u4e8b\u8fbe\u5361\u7684\u4efb\u4f55\u5730\u65b9\u4f7f\u7528\u3002.<\/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 \u5c06\u81ea\u5df1\u5b9a\u4f4d\u4e3a\u91d1\u878d \u201c\u8d85\u7ea7\u5e94\u7528\u7a0b\u5e8f\u201d\uff0c\u5728\u5168\u7403\u62e5\u6709 6000 \u591a\u4e07\u5ba2\u6237\u3002\u9664\u4e86\u8d27\u5e01\u5151\u6362\uff0c\u5b83\u8fd8\u63d0\u4f9b\u9884\u7b97\u5de5\u5177\u3001\u8d26\u5355\u5206\u5272\u3001\u50a8\u84c4\u5e93\uff0c\u751a\u81f3\u52a0\u5bc6\u8d27\u5e01\u4ea4\u6613\u3002.<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>FX\uff1a<\/strong> \u5e73\u65e5\u94f6\u884c\u540c\u4e1a\u62c6\u501f\u5229\u7387\uff1b\u5468\u672b\u52a0\u4ef7 0.5%-1%<\/li>\n\n\n\n<li><strong>\u6d77\u5916\u94f6\u884c\u5361\u652f\u4ed8\uff1a<\/strong> \u5728\u6bcf\u6708\u9650\u989d\uff08\u76ee\u524d\u7ea6\u4e3a 1,000 \u82f1\u9551\uff09\u5185\uff0c\u514d\u8d39\u5c42\u7ea7\u4e3a 0%\uff0c\u7136\u540e\u4e3a 0.5%<\/li>\n\n\n\n<li><strong>\u81ea\u52a8\u53d6\u6b3e\u673a\u53d6\u6b3e\uff1a<\/strong> \u514d\u8d39\u8ba1\u5212\u6bcf\u6708\u514d\u8d39\u6700\u591a 200 \u82f1\u9551\uff0c\u7136\u540e\u6536\u53d6 2% \u8d39\u7528<\/li>\n\n\n\n<li><strong>\u5408\u7406\u4f7f\u7528\uff1a<\/strong> \u9ad8\u7ea7\u8ba1\u5212\u63d0\u4f9b\u66f4\u591a\u514d\u8d39\u6d25\u8d34<\/li>\n<\/ul>\n\n\n\n<p>Revolut \u5177\u6709\u5373\u65f6\u6d88\u8d39\u5206\u6790\u7b49\u529f\u80fd\uff0c\u9002\u5408\u5e0c\u671b\u66f4\u597d\u5730\u63a7\u5236\u8d22\u52a1\u7684\u65c5\u884c\u8005\u3002\u4f46\u8981\u6ce8\u610f\u5468\u672b\u52a0\u4ef7\u548c\u514d\u8d39\u7ea7\u522b\u7684\u6bcf\u6708\u9650\u989d\u3002.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Monzo_UK\"><\/span>\u8499\u7d22\uff08\u82f1\u56fd\uff09<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>Monzo \u662f\u4e00\u5bb6\u603b\u90e8\u4f4d\u4e8e\u82f1\u56fd\u7684\u6570\u5b57\u94f6\u884c\uff0c\u62e5\u6709\u4e00\u5f20\u4e0e\u4f17\u4e0d\u540c\u7684\u73ca\u745a\u5361\uff0c\u4ee5\u7b80\u4fbf\u8457\u79f0\u3002\u5b83\u5c24\u5176\u53d7\u5230\u5e74\u8f7b\u65c5\u884c\u8005\u7684\u6b22\u8fce\u3002.<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>FX\uff1a<\/strong> \u4e07\u4e8b\u8fbe\u5361\u5151\u6362\u7387\uff0c\u65e0\u989d\u5916\u52a0\u4ef7<\/li>\n\n\n\n<li><strong>\u6d77\u5916\u94f6\u884c\u5361\u652f\u4ed8\uff1a<\/strong> 0% \u56fd\u5916\u4ea4\u6613\u8d39<\/li>\n\n\n\n<li><strong>\u81ea\u52a8\u53d6\u6b3e\u673a\u53d6\u6b3e\uff1a<\/strong> \u5728\u56fd\u5916\u6bcf 30 \u5929\u53ef\u514d\u8d39\u83b7\u5f97\u6700\u591a 400 \u82f1\u9551\uff0c\u7136\u540e 3%<\/li>\n\n\n\n<li><strong>\u5468\u672b\u653f\u7b56\uff1a<\/strong> \u5468\u672b\u65e0\u989d\u5916\u52a0\u4ef7<\/li>\n<\/ul>\n\n\n\n<p>\u5bf9\u4e8e\u5e0c\u671b\u83b7\u5f97\u76f4\u63a5\u3001\u514d\u624b\u7eed\u8d39\u7684\u94f6\u884c\u5361\u652f\u4ed8\u548c\u5408\u7406\u7684 ATM \u8bbf\u95ee\u4f53\u9a8c\u7684\u82f1\u56fd\u65c5\u884c\u8005\u6765\u8bf4\uff0cMonzo \u662f\u4e00\u4e2a\u65b9\u4fbf\u7684\u9009\u62e9\u3002.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Starling_UK\"><\/span>\u65af\u7279\u6797\uff08\u82f1\u56fd\uff09<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>Starling \u662f\u53e6\u4e00\u5bb6\u63d0\u4f9b\u771f\u6b63\u514d\u6d77\u5916\u6d88\u8d39\u624b\u7eed\u8d39\u7684\u82f1\u56fd\u6570\u5b57\u94f6\u884c\u3002\u5b83\u901a\u5e38\u88ab\u8ba4\u4e3a\u662f Monzo \u7684\u4e3b\u8981\u7ade\u4e89\u5bf9\u624b\u3002.<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>FX\uff1a<\/strong> \u4e07\u4e8b\u8fbe\u5361\u6c47\u7387\uff0c\u65e0\u52a0\u4ef7<\/li>\n\n\n\n<li><strong>\u6d77\u5916\u94f6\u884c\u5361\u652f\u4ed8\uff1a<\/strong> 0% \u56fd\u5916\u4ea4\u6613\u8d39<\/li>\n\n\n\n<li><strong>\u81ea\u52a8\u53d6\u6b3e\u673a\u53d6\u6b3e\uff1a<\/strong> \u63d0\u6b3e\u514d\u6536 Starling \u8d39\u7528\uff08\u53ef\u80fd\u4ecd\u9700\u652f\u4ed8\u5f53\u5730\u8fd0\u8425\u5546\u8d39\u7528\uff09<\/li>\n\n\n\n<li><strong>\u5468\u672b\u653f\u7b56\uff1a<\/strong> \u5468\u672b\u65e0\u989d\u5916\u52a0\u4ef7<\/li>\n<\/ul>\n\n\n\n<p><strong>\u4f8b\u5982<\/strong> \u7528 Starling \u5361\u5728\u897f\u73ed\u7259\u7684\u4e00\u5bb6\u9910\u9986\u652f\u4ed8 100 \u6b27\u5143\u7684\u8d39\u7528\u4e0e\u4e07\u4e8b\u8fbe\u5361\u7684\u82f1\u9551\u6c47\u7387\u5b8c\u5168\u76f8\u540c\uff0c\u76ee\u524d\u7ea6\u4e3a 86 \u82f1\u9551\u3002\u800c\u4f7f\u7528\u82f1\u56fd\u666e\u901a\u501f\u8bb0\u5361\u652f\u4ed8\u540c\u6837\u7684\u8d39\u7528\uff082.99%\uff09\uff0c\u5927\u7ea6\u9700\u8981 88.50 \u82f1\u9551\u3002\u4e00\u987f\u996d\u5c31\u80fd\u7701\u4e0b 2.5 \u82f1\u9551\u3002.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Curve\"><\/span>\u66f2\u7ebf<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>Curve \u7684\u5de5\u4f5c\u539f\u7406\u4e0e\u6b64\u4e0d\u540c--\u5b83\u662f\u4e00\u79cd \u201c\u5143\u5361\u201d\uff0c\u4f4d\u4e8e\u73b0\u6709\u501f\u8bb0\u5361\u6216\u4fe1\u7528\u5361\u4e4b\u4e0a\u3002\u60a8\u53ef\u4ee5\u5c06\u73b0\u6709\u7684\u5361\u4e0e Curve \u5e94\u7528\u7a0b\u5e8f\u8fde\u63a5\uff0c\u7136\u540e\u5728\u56fd\u5916\u4f7f\u7528 Curve \u5361\u3002\u5b83\u91c7\u7528\u81ea\u5df1\u7684\u5916\u6c47\u6c47\u7387\uff0c\u8ba9\u60a8\u53ef\u4ee5 <a href=\"https:\/\/blog.lebara.co.uk\/zh\/6-reasons-to-switch-to-lebara-in-2023\/\">\u5f00\u5173<\/a> \u5373\u4f7f\u5728\u4ea4\u6613\u540e\uff0c\u4e5f\u4f1a\u4ece\u8be5\u5361\u4e2d\u6263\u6b3e\u3002.<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>FX\uff1a<\/strong> \u514d\u8d39\u7ea7\u522b\u7684\u94f6\u884c\u95f4\u6c47\u7387\u6700\u9ad8\u4e3a\u6bcf\u6708 500 \u82f1\u9551\uff0c\u7136\u540e\u4e3a 2%<\/li>\n\n\n\n<li><strong>\u6d77\u5916\u94f6\u884c\u5361\u652f\u4ed8\uff1a<\/strong> \u4f7f\u7528 Curve \u7684\u8d39\u7387\uff0c\u800c\u4e0d\u662f\u57fa\u7840\u5361\u7684\u8d39\u7387<\/li>\n\n\n\n<li><strong>\u81ea\u52a8\u53d6\u6b3e\u673a\u53d6\u6b3e\uff1a<\/strong> \u514d\u8d39\uff0c\u6700\u9ad8 200 \u82f1\u9551\/\u6708\uff0c\u7136\u540e 2%<\/li>\n\n\n\n<li><strong>\u5468\u672b\u653f\u7b56\uff1a<\/strong> \u65e0\u989d\u5916\u52a0\u4ef7\uff08\u4f7f\u7528\u5e73\u65e5\u6536\u76d8\u4ef7\uff09<\/li>\n<\/ul>\n\n\n\n<p>\u66f2\u7ebf\u5361\u65e2\u80fd\u5728\u57fa\u7840\u5361\u4e0a\u8d5a\u53d6\u5956\u52b1\uff0c\u53c8\u80fd\u907f\u514d\u8be5\u5361\u5728\u56fd\u5916\u7684\u4f4e\u6c47\u7387\u3002.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"N26_EU\"><\/span>N26\uff08\u6b27\u76df\uff09<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>N26 \u662f\u4e00\u5bb6\u5fb7\u56fd\u6570\u5b57\u94f6\u884c\uff0c\u5728\u6b27\u76df\u5404\u56fd\u5747\u53ef\u4f7f\u7528\u3002\u5b83\u5c24\u5176\u53d7\u5230\u5c45\u4f4f\u5728\u6b27\u5143\u533a\u56fd\u5bb6\u7684\u6b27\u6d32\u4eba\u548c\u5916\u7c4d\u4eba\u58eb\u7684\u6b22\u8fce\u3002.<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>FX\uff1a<\/strong> \u4e07\u4e8b\u8fbe\u5361\u8d39\u7387\uff0c\u65e0\u989d\u5916\u52a0\u4ef7<\/li>\n\n\n\n<li><strong>\u6d77\u5916\u94f6\u884c\u5361\u652f\u4ed8\uff1a<\/strong> \u6b27\u5143\u533a\u5185\u4e3a 0%\uff1b\u5728\u6b27\u5143\u533a\u5916\uff0cSmart\/You \u8ba1\u5212\u4e3a 0%\uff0c\u514d\u8d39\u8ba1\u5212\u4e3a 1.7%<\/li>\n\n\n\n<li><strong>\u81ea\u52a8\u53d6\u6b3e\u673a\u53d6\u6b3e\uff1a<\/strong> \u6b27\u5143\u533a\u6bcf\u6708\u514d\u8d39 3 \u6b27\u5143\uff08\u514d\u8d39\u5c42\u7ea7\uff09\uff0c\u5176\u4ed6\u5730\u533a\u6709\u6240\u4e0d\u540c<\/li>\n\n\n\n<li><strong>\u5468\u672b\u653f\u7b56\uff1a<\/strong> \u5468\u672b\u65e0\u989d\u5916\u52a0\u4ef7<\/li>\n<\/ul>\n\n\n\n<p>\u5bf9\u4e8e\u6b27\u76df\u56fd\u5bb6\u7684\u65c5\u884c\u8005\u6765\u8bf4\uff0cN26 \u6bd4\u6b27\u6d32\u5927\u9646\u7684\u4f20\u7edf\u94f6\u884c\u6536\u8d39\u66f4\u4f4e\u3002.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Chase_UK\"><\/span>\u5927\u901a\u82f1\u56fd<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>\u5927\u901a\u94f6\u884c\u4e8e 2021 \u5e74\u5728\u82f1\u56fd\u63a8\u51fa\uff0c\u5e76\u56e0\u5176 1% \u73b0\u91d1\u8fd4\u8fd8\u548c\u514d\u624b\u7eed\u8d39\u6d77\u5916\u6d88\u8d39\u7684\u7ec4\u5408\u800c\u8fc5\u901f\u8d70\u7ea2\u3002.<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>FX\uff1a<\/strong> \u4e07\u4e8b\u8fbe\u5361\u8d39\u7387\uff0c\u65e0\u989d\u5916\u52a0\u4ef7<\/li>\n\n\n\n<li><strong>\u6d77\u5916\u94f6\u884c\u5361\u652f\u4ed8\uff1a<\/strong> 0% \u56fd\u5916\u4ea4\u6613\u8d39<\/li>\n\n\n\n<li><strong>\u81ea\u52a8\u53d6\u6b3e\u673a\u53d6\u6b3e\uff1a<\/strong> \u65e0\u5927\u901a\u8d39\u7528\uff08\u53ef\u80fd\u9700\u8981\u652f\u4ed8\u5f53\u5730\u8fd0\u8425\u5546\u8d39\u7528\uff09<\/li>\n\n\n\n<li><strong>\u73b0\u91d1\u8fd4\u8fd8\uff1a<\/strong> \u5934 12 \u4e2a\u6708\u7684\u6240\u6709\u652f\u51fa\u4e3a 1%<\/li>\n<\/ul>\n\n\n\n<p>\u5bf9\u4e8e\u82f1\u56fd\u5c45\u6c11\uff0c\u5927\u901a\u82f1\u56fd\u516c\u53f8\u63d0\u4f9b\u7f55\u89c1\u7684\u73b0\u91d1\u8fd4\u8fd8\u548c\u514d\u6536\u6d77\u5916\u4f7f\u7528\u8d39\u7684\u7ec4\u5408\uff0c\u4f7f\u5176\u6210\u4e3a\u65e5\u5e38\u94f6\u884c\u4e1a\u52a1\u548c\u65c5\u884c\u7684\u7edd\u4f73\u9009\u62e9\u3002.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"How_to_Choose\"><\/span>\u5982\u4f55\u9009\u62e9<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>\u4f18\u5148\u8003\u8651\u514d\u624b\u7eed\u8d39\u7684\u94f6\u884c\u5361\u652f\u4ed8\uff1f<\/strong> Monzo\u3001Starling \u6216\u82f1\u56fd\u5927\u901a\u94f6\u884c<\/li>\n\n\n\n<li><strong>\u9700\u8981\u5f3a\u5927\u7684\u81ea\u52a8\u53d6\u6b3e\u673a\u6d25\u8d34\uff1f<\/strong> Wise \u6216 Starling<\/li>\n\n\n\n<li><strong>\u60f3\u8981\u591a\u79cd\u8d27\u5e01\u6301\u6709\u548c\u8f6c\u8d26\uff1f<\/strong> Wise \u6216 Revolut<\/li>\n\n\n\n<li><strong>\u603b\u90e8\u8bbe\u5728\u6b27\u76df\uff1f<\/strong> N26 \u6216 Revolut<\/li>\n\n\n\n<li><strong>\u60f3\u8981\u5728\u73b0\u6709\u5361\u7247\u4e0a\u53e0\u52a0\uff1f<\/strong> \u66f2\u7ebf<\/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>\u5982\u4f55\u907f\u514d\u5728\u56fd\u5916\u88ab\u81ea\u52a8\u53d6\u6b3e\u673a\uff08ATM\uff09\u6536\u8d39<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>\u81ea\u52a8\u53d6\u6b3e\u673a\u662f\u8bb8\u591a\u65c5\u884c\u8005\u591a\u82b1\u94b1\u7684\u5730\u65b9\u3002\u94f6\u884c\u624b\u7eed\u8d39\u3001ATM \u9644\u52a0\u8d39\u548c DCC \u7684\u7ec4\u5408\u4f1a\u8ba9\u7b80\u5355\u7684\u53d6\u6b3e\u53d8\u6210\u6602\u8d35\u7684\u9519\u8bef\u3002\u6709\u4e86\u667a\u80fd\u5361\u548c\u4e00\u4e9b\u89c4\u5219\uff0c\u60a8\u5c31\u53ef\u4ee5\u5927\u5927\u51cf\u5c11\u8fd9\u4e9b\u8d39\u7528\u3002.<\/p>\n\n\n\n<p><strong>\u60a8\u4f1a\u9047\u5230\u7684\u5e38\u89c1 ATM \u8d39\u7528\uff1a<\/strong><\/p>\n\n\n\n<figure class=\"wp-block-table\"><table class=\"has-fixed-layout\"><tbody><tr><th>\u6536\u8d39\u7c7b\u578b<\/th><th>\u5178\u578b\u91d1\u989d<\/th><th>\u7531\u8c01\u6536\u8d39<\/th><\/tr><tr><td>\u60a8\u7684\u94f6\u884c\/\u5e94\u7528\u7a0b\u5e8f\u7684\u63d0\u6b3e\u624b\u7eed\u8d39<\/td><td>0%-3% \u6216\u7edf\u4e00\u6536\u8d39<\/td><td>\u60a8\u7684\u94f6\u884c\u5361\u63d0\u4f9b\u5546<\/td><\/tr><tr><td>\u5f53\u5730\u81ea\u52a8\u53d6\u6b3e\u673a\u8fd0\u8425\u5546\u9644\u52a0\u8d39<\/td><td>\u20ac2-\u20ac6 \/ $3-$7<\/td><td>\u81ea\u52a8\u53d6\u6b3e\u673a\u673a\u4e3b<\/td><\/tr><tr><td>\u5916\u6c47\u52a0\u4ef7<\/td><td>1%-3%<\/td><td>\u60a8\u7684\u94f6\u884c\u5361\u63d0\u4f9b\u5546<\/td><\/tr><tr><td>\u52a8\u6001\u8d27\u5e01\u8f6c\u6362<\/td><td>5%-8%<\/td><td>\u81ea\u52a8\u53d6\u6b3e\u673a\u64cd\u4f5c\u5458<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p><strong>\u5982\u4f55\u6700\u5927\u9650\u5ea6\u5730\u964d\u4f4e ATM \u6210\u672c\uff1a<\/strong><\/p>\n\n\n\n<ol class=\"wp-block-list\">\n<li><strong>\u4f7f\u7528\u6709\u81ea\u52a8\u53d6\u6b3e\u673a\u514d\u8d39\u989d\u5ea6\u7684\u5361<\/strong> - Wise\u3001Revolut\u3001Monzo\u3001Starling \u548c N26 \u90fd\u63d0\u4f9b\u6bcf\u6708\u9650\u989d\u7684\u6d77\u5916\u514d\u8d39\u53d6\u6b3e\u670d\u52a1\u3002<\/li>\n\n\n\n<li><strong>\u9009\u62e9\u4e3b\u8981\u94f6\u884c\u7684\u81ea\u52a8\u53d6\u6b3e\u673a<\/strong> - \u907f\u514d\u4f7f\u7528 Euronet\u3001Travelex \u6216 Cardtronics \u7b49\u72ec\u7acb\u81ea\u52a8\u53d6\u6b3e\u673a\u3002\u8fd9\u4e9b\u516c\u53f8\u901a\u5e38\u6536\u53d6\u8f83\u9ad8\u7684\u8d39\u7528\uff0c\u5e76\u5927\u529b\u63a8\u5e7f DCC\u3002\u94f6\u884c\u7f51\u70b9\u5185\u7684\u94f6\u884c\u54c1\u724c\u81ea\u52a8\u53d6\u6b3e\u673a\u901a\u5e38\u8d39\u7528\u8f83\u4f4e\u6216\u4e0d\u6536\u53d6\u9644\u52a0\u8d39<\/li>\n\n\n\n<li><strong>\u4e00\u5b9a\u8981\u9009\u62e9\u5f53\u5730\u8d27\u5e01<\/strong> - \u5f53\u5c4f\u5e55\u8be2\u95ee \u201c\u4ee5\u82f1\u9551\u53d6\u6b3e\uff1f\u201d\u6216 \u201c\u8f6c\u6362\u4e3a\u60a8\u7684\u672c\u56fd\u8d27\u5e01\uff1f\u201d\u65f6\uff0c\u8bf7\u62d2\u7edd\u3002\u8fd9\u6837\u53ef\u4ee5\u5b8c\u5168\u907f\u514d DCC \u52a0\u4ef7<\/li>\n\n\n\n<li><strong>\u51cf\u5c11\u63d0\u53d6\u5927\u989d\u8d44\u91d1\u7684\u6b21\u6570<\/strong> - \u5982\u679c\u6bcf\u6b21\u53d6\u6b3e\u6536\u53d6\u56fa\u5b9a\u7684 3 \u6b27\u5143\u624b\u7eed\u8d39\uff0c\u90a3\u4e48\u53d6 300 \u6b27\u5143\u4e00\u6b21\u603b\u6bd4\u53d6 100 \u6b27\u5143\u4e09\u6b21\u8981\u597d\u3002\u5728\u5b89\u5168\u548c\u9884\u7b97\u4e4b\u95f4\u53d6\u5f97\u5e73\u8861<\/li>\n<\/ol>\n\n\n\n<p>\u5728\u4e00\u4e9b\u76ee\u7684\u5730--\u6cf0\u56fd\u3001\u7f8e\u56fd\u90e8\u5206\u5730\u533a\u548c\u5357\u7f8e\u6d32\uff0c\u81ea\u52a8\u53d6\u6b3e\u673a\u9644\u52a0\u8d39\u51e0\u4e4e\u662f\u4e0d\u53ef\u907f\u514d\u7684\u3002\u5f53\u5730\u7684\u81ea\u52a8\u53d6\u6b3e\u673a\u901a\u5e38\u4f1a\u6536\u53d6 200-250 \u6cf0\u94e2\uff08\u7ea6\u5408 5-6 \u82f1\u9551\uff09\u6216 $3-5 \u7684\u8d39\u7528\uff0c\u65e0\u8bba\u60a8\u4f7f\u7528\u4f55\u79cd\u94f6\u884c\u5361\u3002\u6700\u597d\u7684\u529e\u6cd5\u662f\u4f7f\u7528\u4f4e\u8d39\u7528\u7684\u65c5\u884c\u5361\uff0c\u907f\u514d\u94f6\u884c\u548c DCC \u989d\u5916\u6536\u8d39\u3002.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Best_Practices_for_Using_ATMs_Abroad_in_2025\"><\/span>2025 \u5e74\u5728\u56fd\u5916\u4f7f\u7528\u81ea\u52a8\u53d6\u6b3e\u673a\u7684\u6700\u4f73\u505a\u6cd5<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>\u4ee5\u4e0b\u662f\u4e00\u4efd\u5b9e\u7528\u7684\u6e05\u5355\uff0c\u4f9b\u60a8\u5728\u65c5\u884c\u524d\u548c\u5728\u673a\u5668\u4e0a\u4f7f\u7528\u65f6\u53c2\u8003\u3002.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Before_Departure\"><\/span>\u51fa\u53d1\u524d<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>\u67e5\u770b\u81ea\u52a8\u53d6\u6b3e\u673a\u7684\u6bcf\u65e5\u548c\u6bcf\u6708\u9650\u989d<\/strong> - \u5fc5\u8981\u65f6\uff0c\u901a\u8fc7\u5e94\u7528\u7a0b\u5e8f\u4e34\u65f6\u63d0\u9ad8\u4ed6\u4eec\u7684\u7b49\u7ea7<\/li>\n\n\n\n<li><strong>\u8bbe\u7f6e\u5f3a\u5927\u7684\u8eab\u4efd\u9a8c\u8bc1<\/strong> - \u751f\u7269\u8bc6\u522b\u767b\u5f55\u3001PIN \u7801\u4fdd\u62a4\u548c\u5b9e\u65f6\u6d88\u8d39\u63d0\u9192<\/li>\n\n\n\n<li><strong>\u81f3\u5c11\u62ff\u4e24\u5f20\u4e0d\u540c\u7684\u5361\u7247<\/strong> - \u4f8b\u5982\uff0cWise \u52a0\u4e0a\u60a8\u7684\u5bb6\u5ead\u94f6\u884c\u8d26\u6237\u501f\u8bb0\u5361\uff0c\u4ee5\u9632\u4e07\u4e00\u3002 <a href=\"https:\/\/blog.lebara.co.uk\/zh\/lost-your-smartphone-heres-how-to-track-and-retrieve-it-safely\/\">\u5931\u53bb\u7684<\/a>, <a href=\"https:\/\/blog.lebara.co.uk\/zh\/what-to-do-if-your-phone-is-stolen\/\">\u5077\u53bb<\/a>, \u6216\u5835\u585e<\/li>\n\n\n\n<li><strong>\u4e86\u89e3\u60a8\u7684\u94f6\u884c\u5361\u7684\u8d39\u7528\u7ed3\u6784<\/strong> - \u60a8\u53ef\u4ee5\u5728\u81ea\u52a8\u53d6\u6b3e\u673a\u4e0a\u514d\u8d39\u53d6\u6b3e\u7684\u6b21\u6570\uff0c\u4ee5\u53ca\u53d6\u6b3e\u540e\u9700\u8981\u652f\u4ed8\u7684\u8d39\u7528\u3002<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"At_the_ATM\"><\/span>\u5728\u81ea\u52a8\u53d6\u6b3e\u673a\u4e0a<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>\u9009\u62e9\u4e3b\u8981\u94f6\u884c\u5206\u884c\u5185\u6216\u9644\u5c5e\u7684\u673a\u5668<\/strong> \u5c3d\u53ef\u80fd\u5728\u5de5\u4f5c\u65f6\u95f4\uff0c\u8fd9\u6837\u66f4\u5b89\u5168\uff0c\u8d39\u7528\u901a\u5e38\u4e5f\u66f4\u4f4e<\/li>\n\n\n\n<li><strong>\u62d2\u7edd\u5c4f\u5e55\u4e0a\u4efb\u4f55\u4ee5\u672c\u56fd\u8d27\u5e01\u8ba1\u8d39\u7684\u63d0\u8bae<\/strong> - \u8fd9\u662f DCC\uff0c\u6210\u672c\u603b\u662f\u66f4\u9ad8<\/li>\n\n\n\n<li><strong>\u4ed4\u7ec6\u9605\u8bfb\u4efb\u4f55\u9644\u52a0\u8d39\u4fe1\u606f<\/strong> - \u5982\u679c\u8d39\u7528\u770b\u8d77\u6765\u8fc7\u9ad8\uff0c\u8bf7\u53d6\u6d88\u5e76\u5c1d\u8bd5\u9644\u8fd1\u7684\u5176\u4ed6\u81ea\u52a8\u53d6\u6b3e\u673a<\/li>\n\n\n\n<li><strong>\u76d6\u4e0a\u5bc6\u7801<\/strong> - \u5373\u4f7f\u5728\u5408\u6cd5\u7684\u5237\u5361\u673a\u4e0a\uff0c\u76d7\u5237\u73b0\u8c61\u4f9d\u7136\u5b58\u5728<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Budgeting_Your_Cash_Needs\"><\/span>\u9884\u7b97\u60a8\u7684\u73b0\u91d1\u9700\u6c42<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>\u89c4\u5212\u7c97\u7565\u7684\u73b0\u91d1\u9700\u6c42<\/strong> \u7279\u522b\u662f\u5bf9\u4e8e\u65e5\u672c\u3001\u8d8a\u5357\u6216\u5357\u6b27\u90e8\u5206\u5730\u533a\u7b49\u73b0\u91d1\u6d41\u8f83\u591a\u7684\u56fd\u5bb6\u6765\u8bf4<\/li>\n\n\n\n<li><strong>\u5927\u989d\u6b3e\u9879\u9996\u9009\u94f6\u884c\u5361\u652f\u4ed8<\/strong> \u65c5\u884c\u5361\u63d0\u4f9b 0% FX \u7684\u5730\u65b9<\/li>\n\n\n\n<li><strong>\u4fdd\u7559\u5c0f\u989d\u5e94\u6025\u73b0\u91d1<\/strong> \u4e3b\u8981\u8d27\u5e01\uff08\u7f8e\u5143\u6216\u6b27\u5143\uff09\u4f5c\u4e3a\u5907\u4efd\uff0c\u4f46\u4e3b\u8981\u4f9d\u9760\u4f4e\u6536\u8d39\u5e94\u7528\u7a0b\u5e8f<\/li>\n<\/ul>\n\n\n\n<p>\u5982\u679c\u6709\u4efb\u4f55\u53ef\u7591\u4e4b\u5904\uff0c\u8bf7\u4f7f\u7528\u5e94\u7528\u7a0b\u5e8f\u7684\u5373\u65f6\u51bb\u7ed3\/\u89e3\u51bb\u529f\u80fd--\u8f7b\u70b9\u51e0\u4e0b\u5c31\u80fd\u5728\u8c03\u67e5\u671f\u95f4\u7acb\u5373\u51bb\u7ed3\u4f60\u7684\u94f6\u884c\u5361\u3002.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"How_Travel_Wallets_and_Multi-Currency_Cards_Compare\"><\/span>\u65c5\u884c\u94b1\u5305\u4e0e\u591a\u5e01\u79cd\u5361\u7684\u6bd4\u8f83<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>\u201c\u73b0\u5728\uff0c\u201d\u65c5\u884c\u5361 \"\u4ece\u7b80\u5355\u7684\u9884\u4ed8\u5361\u5230\u5305\u542b\u5f53\u5730\u94f6\u884c\u8d26\u6237\u8be6\u7ec6\u4fe1\u606f\u7684\u5168\u5957\u591a\u5e01\u79cd\u94b1\u5305\uff0c\u79cd\u7c7b\u7e41\u591a\u3002\u4e86\u89e3\u8fd9\u4e9b\u5dee\u5f02\u6709\u52a9\u4e8e\u60a8\u9009\u62e9\u5408\u9002\u7684\u5de5\u5177\u3002.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Main_Types\"><\/span>\u4e3b\u8981\u7c7b\u578b<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>\u7c7b\u578b<\/th><th>\u5b9e\u4f8b<\/th><th>\u6700\u9002\u5408<\/th><\/tr><tr><td><strong>\u591a\u5e01\u79cd\u501f\u8bb0\u5361<\/strong><\/td><td>Wise\u3001Revolut\u3001N26\u3001Monzo\u3001Starling<\/td><td>\u7075\u6d3b\u652f\u51fa\u548c\u6301\u6709\u591a\u79cd\u8d27\u5e01<\/td><\/tr><tr><td><strong>\u9884\u4ed8\u65c5\u884c\u5361<\/strong><\/td><td>\u5361\u514b\u65af\u987f\u3001\u90ae\u5c40\u3001\u822a\u7a7a\/\u8d85\u5e02\u5361<\/td><td>\u4e25\u683c\u9884\u7b97\u7f16\u5236\uff0c\u9501\u5b9a\u8d39\u7387<\/td><\/tr><tr><td><strong>\u6570\u5b57\u94b1\u5305\u53e0\u52a0<\/strong><\/td><td>\u66f2\u7ebf\u3001, <a href=\"https:\/\/blog.lebara.co.uk\/zh\/a-guide-to-the-top-iphones-for-business-and-pleasure\/\">\u82f9\u679c<\/a> \u652f\u4ed8, \u8c37\u6b4c\u652f\u4ed8<\/td><td>\u5728\u73b0\u6709\u5361\u7247\u4e0a\u53e0\u52a0<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Multi-Currency_Wallets\"><\/span>\u591a\u79cd\u8d27\u5e01\u94b1\u5305<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>\u8fd9\u4e9b\u8d26\u6237\u53ef\u8ba9\u60a8\u5728\u591a\u4e2a\u5916\u5e01\u8d26\u6237\uff08\u6b27\u5143\u3001\u7f8e\u5143\u3001\u6fb3\u5143\u7b49\uff09\u4e2d\u6301\u6709\u4f59\u989d\u3002\u60a8\u53ef\u4ee5\u5728\u6c47\u7387\u6709\u5229\u65f6\u5151\u6362\u8d27\u5e01\uff0c\u4e4b\u540e\u518d\u4ece\u4f59\u989d\u4e2d\u6d88\u8d39\uff0c\u65e0\u9700\u518d\u652f\u4ed8\u5916\u6c47\u3002.<\/p>\n\n\n\n<p><strong>\u4f18\u52bf\uff1a<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>\u5e02\u573a\u4e2d\u95f4\u4ef7\u6216\u63a5\u8fd1\u5e02\u573a\u4e2d\u95f4\u4ef7\u7684\u6c47\u7387<\/li>\n\n\n\n<li>\u5728\u5e94\u7528\u7a0b\u5e8f\u5185\u8f7b\u677e\u5207\u6362\u8d27\u5e01<\/li>\n\n\n\n<li>\u901a\u5e38\u5305\u62ec\u63a5\u6536\u7535\u6c47\u7684\u5f53\u5730\u94f6\u884c\u8d26\u6237\u8be6\u7ec6\u4fe1\u606f <a href=\"https:\/\/blog.lebara.co.uk\/zh\/how-to-transfer-apps-to-a-new-phone\/\">\u8c03\u52a8<\/a> \u4ed8\u6b3e<\/li>\n\n\n\n<li>\u56fd\u9645\u8f6c\u8d26\u8d39\u7528\u4f4e\u4e8e\u4f20\u7edf\u94f6\u884c<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Prepaid_Travel_Cards\"><\/span>\u9884\u4ed8\u65c5\u884c\u5361<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>\u90ae\u5c40\u3001\u8d85\u5e02\u6216\u4e13\u4e1a\u4f9b\u5e94\u5546\u63d0\u4f9b\u7684\u9884\u4ed8\u5361\u53ef\u8ba9\u60a8\u5728\u65c5\u884c\u524d\u5145\u503c\uff0c\u901a\u5e38\u4ee5\u9501\u5b9a\u7684\u8d39\u7387\u5145\u503c\u3002.<\/p>\n\n\n\n<p><strong>\u4f18\u52bf\uff1a<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>\u9002\u5408\u4e25\u683c\u7684\u9884\u7b97\u7f16\u5236--\u4f60\u53ea\u80fd\u82b1\u4f60\u88c5\u5165\u7684\u94b1<\/li>\n\n\n\n<li>\u5982\u679c\u60a8\u63d0\u524d\u52a0\u8f7d\uff0c\u6709\u4e9b\u670d\u52a1\u4f1a\u63d0\u4f9b\u8d39\u7387\u4fdd\u62a4<\/li>\n\n\n\n<li>\u6709\u7528\u7684\u5907\u4efd\u5361<\/li>\n<\/ul>\n\n\n\n<p><strong>\u5f31\u70b9<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>\u4e0e Wise\/Revolut \u76f8\u6bd4\uff0c\u53ef\u80fd\u4f1a\u6709\u5145\u503c\u8d39\u3001\u672a\u6fc0\u6d3b\u8d39\u6216\u5151\u6362\u7387\u4f4e\u7684\u95ee\u9898<\/li>\n\n\n\n<li>\u7075\u6d3b\u6027\u4f4e\u4e8e\u57fa\u4e8e\u5e94\u7528\u7a0b\u5e8f\u7684\u66ff\u4ee3\u65b9\u6848<\/li>\n\n\n\n<li>\u901a\u5e38\u7f3a\u5c11\u5728\u7ebf\u8d2d\u7269\u548c\u6570\u5b57\u94b1\u5305\u96c6\u6210<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Digital_Wallets\"><\/span>\u6570\u5b57\u94b1\u5305<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>Apple Pay \u548c Google Pay \u53ef\u4ee5\u8ba9\u4f60\u901a\u8fc7\u624b\u673a\u6216\u624b\u8868\u4f7f\u7528 Wise\u3001Revolut \u6216\u94f6\u884c\u5361\u3002Curve \u5145\u5f53\u4e2d\u95f4\u4eba\u7684\u89d2\u8272--\u4f60\u53ea\u9700\u70b9\u51fb Curve \u5361\uff08\u5b9e\u4f53\u5361\u6216\u901a\u8fc7 Apple Pay\/Google Pay\uff09\uff0cCurve \u5c31\u4f1a\u5411\u4f60\u9009\u62e9\u7684\u57fa\u7840\u5361\u6536\u8d39\u3002.<\/p>\n\n\n\n<p>\u5bf9\u4e8e 2025 \u5e74\u7684\u5927\u591a\u6570\u65c5\u884c\u8005\u6765\u8bf4\uff0c\u4e00\u5f20\u591a\u5e01\u79cd\u501f\u8bb0\u5361\u6216\u53ef\u4eab\u53d7 0% \u5916\u6c47\u5151\u6362\u548c\u6709\u9650\u7684\u514d\u8d39 ATM \u4f7f\u7528\u6743\u7684\u5e94\u7528\u7a0b\u5e8f\u94f6\u884c\u662f\u6700\u7075\u6d3b\u3001\u6700\u5177\u6210\u672c\u6548\u76ca\u7684\u9009\u62e9\u3002\u5bf9\u4e8e\u90a3\u4e9b\u5e0c\u671b\u66f4\u597d\u5730\u63a7\u5236\u56fa\u5b9a\u5047\u671f\u9884\u7b97\u7684\u4eba\u6765\u8bf4\uff0c\u9884\u4ed8\u5361\u53ef\u4ee5\u4f5c\u4e3a\u540e\u5907\u9009\u62e9\u3002.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Example_Setups_for_Different_Traveller_Types\"><\/span>\u4e0d\u540c\u65c5\u884c\u8005\u7c7b\u578b\u7684\u8bbe\u7f6e\u793a\u4f8b<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>\u4e0b\u9762\u4ecb\u7ecd\u5982\u4f55\u7ed3\u5408\u5e94\u7528\u7a0b\u5e8f\u548c\u94f6\u884c\u5361\uff0c\u5728\u4e0d\u540c\u7684\u65c5\u884c\u60c5\u51b5\u4e0b\u5c3d\u91cf\u51cf\u5c11\u8d39\u7528\u3002.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"UK_City-Break_Traveller_4_Days_in_Europe\"><\/span>\u82f1\u56fd\u57ce\u5e02\u65c5\u884c\u8005\uff1a\u6b27\u6d32\u56db\u65e5\u6e38<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p><strong>\u8bbe\u7f6e\uff1a<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>\u4e3b\u724c<\/strong> Monzo \u6216 Starling \u7528\u4e8e\u65e5\u5e38\u652f\u4ed8\uff080% FX\uff09<\/li>\n\n\n\n<li><strong>\u5907\u4efd\uff1a<\/strong> \u53ef\u5728\u81ea\u52a8\u53d6\u6b3e\u673a\uff08ATM\uff09\u53d6\u6b3e\u7684\u667a\u80fd\u5361\uff0c\u53d6\u6b3e\u989d\u5ea6\u4e0d\u8d85\u8fc7\u514d\u8d39\u989d\u5ea6<\/li>\n\n\n\n<li><strong>\u7d27\u6025\u60c5\u51b5<\/strong> \u56fd\u5185\u94f6\u884c\u501f\u8bb0\u5361\u6216\u4fe1\u7528\u5361\uff08\u5b58\u653e\u5728\u9152\u5e97\u4fdd\u9669\u7bb1\u5185\uff09<\/li>\n<\/ul>\n\n\n\n<p><strong>\u4f30\u8ba1\u53ef\u8282\u7701\u8d44\u91d1\uff1a<\/strong> \u5982\u679c\u5728 800 \u82f1\u9551\u7684\u5047\u65e5\u6d88\u8d39\u4e2d\u4f7f\u7528\u82f1\u56fd\u4f20\u7edf\u94f6\u884c\u6536\u53d6\u7684 2.99% \u5916\u6c47\u5151\u6362\u8d39\uff0c\u60a8\u5927\u7ea6\u9700\u8981\u652f\u4ed8 24 \u82f1\u9551\u7684\u624b\u7eed\u8d39\u3002\u800c\u4f7f\u7528 Monzo\/Starling \u5219\u53ea\u9700\u652f\u4ed8 0 \u82f1\u9551\uff0c\u7701\u4e0b\u7684\u94b1\u8db3\u591f\u5403\u4e00\u987f\u4e30\u76db\u7684\u665a\u9910\u4e86\u3002.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Digital_Nomad_3_Months_in_Europe_and_Asia\"><\/span>\u6570\u5b57\u6e38\u6c11\uff1a\u5728\u6b27\u6d32\u548c\u4e9a\u6d32\u6e38\u5386\u4e09\u4e2a\u6708<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p><strong>\u8bbe\u7f6e\uff1a<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>\u4e3b\u8981\u8d26\u6237\uff1a<\/strong> Wise \u6216 Revolut\uff0c\u7528\u4e8e\u4ee5\u591a\u79cd\u8d27\u5e01\u548c\u591a\u79cd\u8d27\u5e01\u94b1\u5305\u7ba1\u7406\u63a5\u6536\u5de5\u8d44<\/li>\n\n\n\n<li><strong>\u4e2d\u7b49\u6559\u80b2\uff1a<\/strong> \u5f53\u5730\u94f6\u884c\u8d26\u6237\uff08\u5982\u6709\uff09\uff08\u9002\u7528\u4e8e\u5f53\u5730\u5b9a\u671f\u4ed8\u6b3e<\/li>\n\n\n\n<li><strong>\u81ea\u52a8\u53d6\u6b3e\u673a\u6218\u7565\uff1a<\/strong> \u51cf\u5c11\u5927\u989d\u63d0\u6b3e\u6b21\u6570\uff0c\u53ea\u4f7f\u7528\u4e3b\u8981\u94f6\u884c\uff0c\u59cb\u7ec8\u62d2\u7edd DCC<\/li>\n<\/ul>\n\n\n\n<p><strong>\u4f30\u8ba1\u6bcf\u5e74\u53ef\u8282\u7ea6<\/strong> \u4e00\u4e2a\u4f7f\u7528\u6807\u51c6\u94f6\u884c\u5361\uff082.99% FX + ATM \u8d39\u7528\uff09\u7684\u6e38\u7267\u6c11\u6bcf\u6708\u5728\u56fd\u5916\u6d88\u8d39 2,000 \u82f1\u9551\uff0c\u6bcf\u5e74\u53ef\u80fd\u8981\u652f\u4ed8 800 \u591a\u82f1\u9551\u7684\u9690\u6027\u8d39\u7528\u3002\u5982\u679c\u4f7f\u7528 Wise\/Revolut \u548c\u667a\u80fd ATM\uff0c\u8fd9\u7b14\u8d39\u7528\u5c06\u964d\u81f3 100 \u82f1\u9551\u4ee5\u4e0b\u3002.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"US-Based_Parent_Supporting_a_Student_Abroad\"><\/span>\u7f8e\u56fd\u5bb6\u957f\uff1a\u4e3a\u6d77\u5916\u5b66\u751f\u63d0\u4f9b\u652f\u6301<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p><strong>\u8bbe\u7f6e\uff1a<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>\u8f6c\u8d26\u65b9\u5f0f\uff1a<\/strong> \u9002\u7528\u4e8e\u4ece\u7f8e\u5143\u5230\u6b27\u5143\u6216\u82f1\u9551\u7684\u8f6c\u8d26\uff08\u6c47\u7387\u6bd4\u94f6\u884c\u7535\u6c47\u66f4\u5177\u7ade\u4e89\u529b\uff09<\/li>\n\n\n\n<li><strong>\u5b66\u751f\u83b7\u5f97<\/strong> \u4f7f\u7528 Wise \u6216 Revolut \u7684\u591a\u5e01\u79cd\u94b1\u5305<\/li>\n\n\n\n<li><strong>\u5b66\u751f\u82b1\u8d39\uff1a<\/strong> \u4e0e 0% FX \u5173\u8054\u7684\u56fd\u5916\u501f\u8bb0\u5361\u6216\u4fe1\u7528\u5361\uff0c\u5e76\u63a7\u5236 ATM \u63d0\u6b3e\u9650\u989d<\/li>\n<\/ul>\n\n\n\n<p><strong>\u4f30\u8ba1\u53ef\u8282\u7701\u8d44\u91d1\uff1a<\/strong> \u901a\u8fc7\u4f20\u7edf\u94f6\u884c\u7535\u6c47\u6bcf\u6708\u6c47\u6b3e $500 \u7f8e\u5143\uff0c\u5916\u6c47\u6c47\u7387\u8f83\u4f4e\uff0c\u6bcf\u6708\u53ef\u80fd\u9700\u8981\u652f\u4ed8 $30-40 \u7f8e\u5143\u7684\u7efc\u5408\u8d39\u7528\u3002\u540c\u6837\u7684\u8f6c\u8d26\uff0cWise \u901a\u5e38\u6536\u53d6 $5-10 \u7684\u8d39\u7528\uff0c\u6bcf\u5e74\u53ef\u8282\u7701 $200-300 \u7684\u8d39\u7528\u3002.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Final_Tips_for_Smarter_Overseas_Spending_and_Cash_Access\"><\/span>\u7cbe\u660e\u6d77\u5916\u6d88\u8d39\u548c\u73b0\u91d1\u5b58\u53d6\u7684\u6700\u540e\u63d0\u793a<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>\u63a7\u5236\u6d77\u5916\u6210\u672c\u7684\u4e09\u4e2a\u5173\u952e\u6760\u6746<\/p>\n\n\n\n<ol class=\"wp-block-list\">\n<li><strong>\u9009\u62e9\u6b63\u786e\u7684\u5e94\u7528\u7a0b\u5e8f<\/strong> - 0% \u56fd\u5916\u4ea4\u6613\u8d39\u3001\u4e2d\u95f4\u5e02\u573a\u8d39\u7387\u3001\u514d\u8d39 ATM \u8865\u8d34<\/li>\n\n\n\n<li><strong>\u59cb\u7ec8\u4ee5\u5f53\u5730\u8d27\u5e01\u652f\u4ed8<\/strong> - \u7edd\u4e0d\u5728\u81ea\u52a8\u53d6\u6b3e\u673a\u6216\u5237\u5361\u673a\u4e0a\u63a5\u53d7 DCC<\/li>\n\n\n\n<li><strong>\u5c3d\u91cf\u51cf\u5c11 ATM \u4e0e\u4e0d\u826f\u673a\u5668\u7684\u4ea4\u4e92<\/strong> - \u907f\u514d\u72ec\u7acb\u8fd0\u8425\u5546\uff0c\u575a\u6301\u4f7f\u7528\u94f6\u884c\u5206\u884c<\/li>\n<\/ol>\n\n\n\n<p>\u6bcf\u6b21\u51fa\u56fd\u65c5\u884c\u524d\uff0c\u8bf7\u67e5\u770b\u63d0\u4f9b\u5546\u7684 2025 \u8d39\u7528\u8868\u3002\u5916\u6c47\u5151\u6362\u8d39\u3001\u514d\u8d39 ATM \u9650\u5236\u548c\u5468\u672b\u52a0\u4ef7\u4f1a\u6bcf\u5e74\u6216\u6309\u8ba1\u5212\u7b49\u7ea7\u53d1\u751f\u53d8\u5316\u3002\u53bb\u5e74\u6709\u6548\u7684\u65b9\u6cd5\u4eca\u5e74\u53ef\u80fd\u4e0d\u518d\u9002\u7528\u3002.<\/p>\n\n\n\n<p>\u5728\u65c5\u884c\u524d\u505a\u4e00\u7b14 \u201c\u6d4b\u8bd5 \u201d\u5c0f\u989d\u4ea4\u6613--\u4f8b\u5982\u7528\u5916\u5e01\u8fdb\u884c\u7f51\u4e0a\u8d2d\u7269\uff0c\u4ee5\u786e\u8ba4\u8d39\u7528\u5728\u60a8\u7684\u5e94\u7528\u7a0b\u5e8f\u8d26\u5355\u4e2d\u662f\u5982\u4f55\u663e\u793a\u7684\u3002\u6700\u597d\u662f\u5750\u5728\u5bb6\u91cc\u53d1\u73b0\u610f\u5916\u8d39\u7528\uff0c\u800c\u4e0d\u662f\u5728\u7f57\u9a6c\u7684\u9910\u9986\u91cc\u3002.<\/p>\n\n\n\n<p>\u5bf9\u8bb8\u591a\u56fd\u5bb6\u6765\u8bf4\uff0c\u6700\u7a33\u5065\u7684\u8bbe\u7f6e\u662f\uff1a<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>\u7528\u4e8e\u5927\u989d\u6d88\u8d39\u7684\u514d\u624b\u7eed\u8d39\u4fe1\u7528\u5361\uff0c\u63d0\u4f9b\u6d88\u8d39\u4fdd\u969c\uff08\u673a\u7968\u3001\u9152\u5e97\uff09<\/li>\n\n\n\n<li>\u7528\u4e8e\u65e5\u5e38\u6d88\u8d39\u548c\u73b0\u91d1\u7684\u4f4e\u6536\u8d39\u591a\u5e01\u79cd\u501f\u8bb0\u5361<\/li>\n<\/ul>\n\n\n\n<p>\u4e00\u4e2a\u5178\u578b\u7684\u4e00\u5468\u5047\u671f\uff0c\u51e0\u5206\u949f\u7684\u89c4\u5212\u5c31\u80fd\u8f7b\u677e\u8282\u7701 50 \u81f3 200 \u82f1\u9551\u3002\u5bf9\u4e8e\u7ecf\u5e38\u65c5\u884c\u7684\u4eba\u548c\u6570\u5b57\u6e38\u6c11\u6765\u8bf4\uff0c\u6bcf\u5e74\u53ef\u8282\u7701\u6570\u767e\u751a\u81f3\u6570\u5343\u82f1\u9551\u3002.<\/p>\n\n\n\n<p>\u5e94\u7528\u7a0b\u5e8f\u5b58\u5728\u3002\u6709\u7ade\u4e89\u529b\u7684\u5229\u7387\u9009\u62e9\u4e5f\u5b58\u5728\u3002\u552f\u4e00\u7684\u95ee\u9898\u662f\uff0c\u4f60\u662f\u5426\u4f1a\u628a\u7701\u4e0b\u7684\u94b1\u82b1\u5728\u4f53\u9a8c\u4e0a\uff0c\u8fd8\u662f\u4ea4\u7ed9\u94f6\u884c\uff0c\u8ba9\u5b83\u4eec\u627f\u62c5\u5e38\u89c1\u7684\u9677\u9631\u548c\u8f6c\u6362\u8d39\u3002.<\/p>","protected":false},"excerpt":{"rendered":"<p>Travelling abroad should be about new experiences, not watching your holiday budget disappear into bank fees and poor exchange rates. Yet for millions of travellers using traditional banks, that\u2019s exactly what happens\u2014often without them even realising it. The good news? In 2025, a handful of smart apps can slash your overseas spending costs to almost&#8230;<\/p>\n<div><a class=\"read-more button-link\" href=\"https:\/\/blog.lebara.co.uk\/zh\/best-apps-for-money-conversions-payments-abroad\/\">\u66f4\u591a\u4fe1\u606f<\/a><\/div>","protected":false},"author":10,"featured_media":0,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_monsterinsights_skip_tracking":false,"_monsterinsights_sitenote_active":false,"_monsterinsights_sitenote_note":"","_monsterinsights_sitenote_category":0,"fifu_image_url":"","fifu_image_alt":"","footnotes":""},"categories":[17],"tags":[],"class_list":["post-3699","post","type-post","status-publish","format-standard","hentry","category-apps","clearfix",false],"amp_enabled":true,"_links":{"self":[{"href":"https:\/\/blog.lebara.co.uk\/zh\/wp-json\/wp\/v2\/posts\/3699","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/blog.lebara.co.uk\/zh\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/blog.lebara.co.uk\/zh\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/blog.lebara.co.uk\/zh\/wp-json\/wp\/v2\/users\/10"}],"replies":[{"embeddable":true,"href":"https:\/\/blog.lebara.co.uk\/zh\/wp-json\/wp\/v2\/comments?post=3699"}],"version-history":[{"count":1,"href":"https:\/\/blog.lebara.co.uk\/zh\/wp-json\/wp\/v2\/posts\/3699\/revisions"}],"predecessor-version":[{"id":3709,"href":"https:\/\/blog.lebara.co.uk\/zh\/wp-json\/wp\/v2\/posts\/3699\/revisions\/3709"}],"wp:attachment":[{"href":"https:\/\/blog.lebara.co.uk\/zh\/wp-json\/wp\/v2\/media?parent=3699"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/blog.lebara.co.uk\/zh\/wp-json\/wp\/v2\/categories?post=3699"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/blog.lebara.co.uk\/zh\/wp-json\/wp\/v2\/tags?post=3699"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}