Which banking app is best for travelling?

Use our table to find the best digital bank to use abroad.

Updated

Fact checked

If you’re going on a gap year, or on a trip abroad, you’re going to need a card you can use overseas. Traditional high-street banks usually charge fees for taking money out abroad, as well as making transactions for using contactless.

Our tables compare the digital banks everyone is talking about. See how they stack up against each other for spending abroad. Make sure you tick “compare” in the table to get a more detailed view of the products, and if you still want to know more, click “more info” to read our in-depth reviews.

Which banking app should I use for travelling?

Data indicated here is updated regularly
Name Product Foreign ATM withdrawals Foreign transactions fee Card cost Delivery speed
Starling Bank
Free
No fees
Free
Between 3-5 working days
Everything you get from a current account, but with new features for mobile living. (E.g. Goals for saving, spending catgorisation, interest on your balances)
WeSwap
Withdrawals of £200/$200/€200 or more – free
smaller withdrawals – a charge of £1.50 per withdrawal

No transaction fees (if you spend in one of the 18 wallet currencies)
Free
Between 3-5 working days in the UK, or within 10 days if you live outside the UK
Tandem (Credit Card)
No ATM fees. However you'll be charged interest from the day you withdraw cash.
No fees
Free
-
Tandem's credit card doesn't charge fees on purchases abroad, leaving you with more money for your travels.
Loot
Two free cash withdrawals per month, £1 thereafter
No fees
Free
-
App-based current account that keeps you on top of your spending. You can set goals and Loot will help you get there.
loading

Compare up to 4 providers

Why use a digital bank for travelling?

Digital banks like Monzo, Revolut, Starling and Monese have all of the same functionality as high street current account, but also usually offer free transactions and withdrawals abroad. More and more young people are turning to these banking apps for their day-to-day banking, as well as benefits such as overseas spending.

There are other dedicated travel money apps like WeSwap, which can be another great solution for travellers. Finally, you have the traditional travel money cards. Use our table to compare them, as well as other popular providers in the space, and find the right card for you.

What about prepaid cards?

Prepaid cards are another popular solution for travel money. WeSwap doesn’t fall into the same category as the above digital banks. It is worth an honourable mention though. It’s a global travel card and app, which you can use in literally any country. It claims it saves up to 90% vs banks and bureaux. Find out more by heading to WeSwap’s site. Sign up today using the button below to load £5 onto your card for free.

Should I just get some cash and not worry about a card?

If you’re just looking to get some euros delivered, or you want to explore some other travel money solutions, head to our dedicated travel money section.

We show offers we can track - that's not every product on the market...yet. Unless we've said otherwise, products are in no particular order. The terms "best", "top", "cheap" (and variations of these) aren't ratings, though we always explain what's great about a product when we highlight it. This is subject to our terms of use. When you make major financial decisions, consider getting independent financial advice. Always consider your own circumstances when you compare products so you get what's right for you.

More guides on Finder

  • Revolut launches an online web app for its personal bank account holders

    Customers can now access their accounts and card settings from a desktop or laptop, as well as through their smartphone app.

  • Opening a bank account for a club

    Opening a current account for your club, community organisation, sporting society or charity can take a bit of time, but is a fundamental step in setting up your organisation. This guide covers the basics you need to get started.

  • How to open a bank account without ID in the UK

    While it’s impossible to open a bank account without proving your identity, banks accept a range of documents as ID; so even if you don’t have a passport or a driving licence, you should be able to get one. Here’s how to go about it.

  • Ethical bank accounts

    How can you make sure that your money is not being use to support companies that are unethical or harm the environment? You can choose an ethical bank.

  • Opening a bank account after bankruptcy

    A bankruptcy will impact all aspects of your financial life, including your bank account. But you should be able to open a new one to at least meet your basic banking needs.

  • Best bank accounts

    Discover how to find the best bank account for your needs.

  • Strive kids’ card and app review

    There’s a new children’s debit card and app service on the horizon in the form of Strive – we outline its features and what it will cost.

  • Business bank accounts for discharged bankrupts

    It can be hard to get accepted for a business account after bankruptcy, even once you have been discharged. But some banks do offer business bank accounts without credit checks and will allow you to open an account.

  • How to set up a business bank account

    Need a bank account for your business but unsure of where to start? This guide covers all the basics, from why it’s a good idea to open one to the documents you will need.

  • Which banks give you money for switching?

    We look at switching bonuses, what they are, how they work, and which banks offer the best ones. If you’re fed up with your current bank, there is no good reason not to switch and get a nice little cash bonus as an extra perk.

Ask an Expert

You are about to post a question on finder.com:

  • Do not enter personal information (eg. surname, phone number, bank details) as your question will be made public
  • finder.com is a financial comparison and information service, not a bank or product provider
  • We cannot provide you with personal advice or recommendations
  • Your answer might already be waiting – check previous questions below to see if yours has already been asked

Finder.com provides guides and information on a range of products and services. Because our content is not financial advice, we suggest talking with a professional before you make any decision.

By submitting your comment or question, you agree to our Privacy and Cookies Policy and Terms of Use.

Questions and responses on finder.com are not provided, paid for or otherwise endorsed by any bank or brand. These banks and brands are not responsible for ensuring that comments are answered or accurate.
Go to site