{"id":133089,"date":"2018-09-17T16:02:14","date_gmt":"2018-09-17T15:02:14","guid":{"rendered":"https:\/\/www.finder.com\/uk\/?p=133089"},"modified":"2026-03-25T12:09:29","modified_gmt":"2026-03-25T12:09:29","slug":"best-banks-for-travelling","status":"publish","type":"post","link":"https:\/\/www.finder.com\/uk\/digital-banking\/best-banks-for-travelling","title":{"rendered":"Best banks and bank accounts for travelling and spending abroad"},"content":{"rendered":"<h3>Today\u2019s best banks and bank accounts for travelling &amp; spending abroad for 9 May<\/h3>\n\n\n\n\n\n\n\n\n<table class=\"luna-table\">\n<thead class=\"luna-table__header\">\n<tr>\n<th>Rank<\/th>\n<th>Product<\/th>\n<th>Overseas cash withdrawals (ATM fees)<\/th>\n<th>Overseas card transaction fees<\/th><\/tr>\n<\/thead>\n<tbody class=\"luna-table__body\">\n<tr>\n<th scope=\"row\">1<\/th>\n<td>Kroo Current Account<\/td>\n<td>0%<\/td>\n<td>0%<\/td><\/tr>\n<tr>\n<th scope=\"row\">2<\/th>\n<td>Starling Current Account<\/td>\n<td>0%<\/td>\n<td>0%<\/td><\/tr>\n<tr>\n<th scope=\"row\">3<\/th>\n<td>Chase Current Account<\/td>\n<td>0%<\/td>\n<td>0%<\/td><\/tr>\n<tr>\n<th scope=\"row\">4<\/th>\n<td>Revolut Standard<\/td>\n<td>2%<\/td>\n<td>0%<\/td><\/tr>\n<tr>\n<th scope=\"row\">5<\/th>\n<td>NatWest Select Account<\/td>\n<td>2.75%<\/td>\n<td>2.75%<\/td><\/tr>\n<tr>\n<th scope=\"row\">6<\/th>\n<td>Santander Everyday Current Account<\/td>\n<td>2.95%<\/td>\n<td>2.95%<\/td><\/tr>\n<tr>\n<th scope=\"row\">7<\/th>\n<td>Nationwide Building Society FlexBasic Account<\/td>\n<td>2.99%<\/td>\n<td>2.99%<\/td><\/tr>\n<tr>\n<th scope=\"row\">8<\/th>\n<td>Monzo Current Account<\/td>\n<td>3%<\/td>\n<td>0%<\/td><\/tr>\n<\/tbody>\n<\/table><p>If you\u2019re going on a gap year, or on a trip abroad, you\u2019re 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. A new range of banking apps such as <a href=\"https:\/\/www.finder.com\/uk\/current-accounts\/starling-bank-review\">Starling<\/a>, <a href=\"https:\/\/www.finder.com\/uk\/digital-banking\/chase-digital-bank-review\">Chase<\/a> and <a href=\"https:\/\/www.finder.com\/uk\/current-accounts\/revolut-review\">Revolut<\/a> all come with low fees when using your debit card abroad. <\/p><h4>Finder\u2019s best banks and bank accounts to use abroad in 2026<\/h4>\n\n\n\n\n\n\n\n\n<table class=\"luna-table\">\n<thead class=\"luna-table__header\">\n<tr>\n<th>Rank<\/th>\n<th>Account name<\/th>\n<th>Finder score<\/th>\n<\/tr>\n<\/thead>\n<tbody class=\"luna-table__body\">\n<tr>\n<th scope=\"row\">1<\/th>\n<td>Starling Current Account<\/td>\n<td>9.8\/10<\/td>\n<\/tr>\n<tr>\n<th scope=\"row\">2<\/th>\n<td>Monzo Current Account<\/td>\n<td>9.3\/10<\/td>\n<\/tr>\n<tr>\n<th scope=\"row\">3<\/th>\n<td>Revolut Standard<\/td>\n<td>8.9\/10<\/td>\n<\/tr>\n<tr>\n<th scope=\"row\">4<\/th>\n<td>Chase Current Account<\/td>\n<td>7.9\/10<\/td>\n<\/tr>\n<tr>\n<th scope=\"row\">5<\/th>\n<td>Kroo Current Account<\/td>\n<td>6.3\/10<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n\n\n\n\n\n\n\n\n\n\n\n\n\n                                                                                                    \n\n                \n    \n\n\n\n\n\n\n\n\n\n\n\n\n\n<style>\n.best-hero .hotstats .product_infobox tr { display: flex; flex-direction: column; flex-basis: 0; flex-grow: 1; }\n.best-hero .hotstats .product_infobox th { border-bottom: 0px; width: 100%; padding-left: 0px; padding-bottom: 4px; font-size: 14px; }\n.best-hero .hotstats .product_infobox td { border-bottom: 0px; width: 100%; padding-left: 0px; padding-top: 0px;  }\n.best-hero .hotstats .product_infobox td svg.luna-icon--medium { height: 24px; width: 24px; }\n.best-hero .luna-button--success { white-space: normal; line-height: 1.2; }\n@media only screen and (max-width: 600px) {\n.best-hero .hotstats .product_infobox tbody { display: flex; }\n.best-hero .hotstats .product_infobox th { text-align: center; line-height: 16px !important; padding-left: 3px; padding-right: 3px; }\n.best-hero .hotstats .product_infobox td { flex-grow: 1; align-content: center; text-align: center; line-height: 20px !important; padding-left: 3px; padding-right: 3px;  }\n.best-hero .hotstats .product_infobox tr:first-of-type td, .best-hero .hotstats .product_infobox tr:first-of-type th { padding-left: 0px !important; }\n.best-hero .hotstats .product_infobox tr:last-of-type td, .best-hero .hotstats .product_infobox tr:last-of-type th { padding-right: 0px !important; }\n}\n<\/style><div class=\"best-hero\" id=\"best-hero-c3db0bd4fddd432f85d5c20185d63710\"><article class=\"luna-card luna-card--border\"><div class=\"luna-card__block no-padding-top no-padding-right no-padding-bottom no-padding-left\"><div class=\"u-grid u-grid--gutterCollapse\"><div class=\"u-grid__col u-3\/4@m u-2\/3@s\"><div class=\"has-padding-small\"><div class=\"u-grid u-grid--alignMiddle has-padding-bottom-xsmall\"><div class=\"u-grid__col u-1\/3 u-1\/4@m u-1\/5@l\"><img decoding=\"async\" src=\"https:\/\/www.finder.com\/niche-builder\/6149cc28f171f.png\" width=\"140\" height=\"88\" alt=\"Chase Current Account\" srcset=\"https:\/\/www.finder.com\/niche-builder\/6149cc28f171f.png?fit=180 180w, https:\/\/www.finder.com\/niche-builder\/6149cc28f171f.png?fit=360 360w, https:\/\/www.finder.com\/niche-builder\/6149cc28f171f.png?fit=420 420w\" sizes=\"(max-width: 420px) 28vw, 420px\" loading=\"lazy\"><\/div><div class=\"u-grid__col u-3\/4@m u-2\/3\"><p class=\"no-margin-bottom u-font--bold\" style=\"font-size: 22px; line-height: 27px;\">\nBest for fee free spending &amp; cashback\n<\/p><span class=\"alignleft\" style=\"font-weight: 1000; color:#000; font-size: 1.6em;\"><span class=\"scoreCombined score__container finder-score\" style=\"justify-content: center;\"><span class=\"score__badge score__badge--great\"><span class=\"score__value\">7.9<\/span><\/span><span class=\"score__text-wrapper score__text score__text--great persist\" style=\"display: flex;\">\nGreat\n<\/span><\/span><\/span><\/div><\/div><div class=\"is-hidden@s has-margin-bottom-small hotstats\"><div data-category=\"\" data-niche=\"UKFSA-CUR\" data-fieldset=\"bestpage_hotstats\" class=\"UKFSA-CUR bestpage_hotstats \"><table class=\"i_infobox product_infobox\"><tbody><tr><th>Account fees<\/th><td class=\"i_infobox_data product_infobox_data\">\u00a30<\/td><\/tr><tr><th>Interest (AER)<\/th><td class=\"i_infobox_data product_infobox_data\">0% AER<\/td><\/tr><\/tbody><\/table><\/div><\/div><p>If you open a Chase bank account, you can spend on your card abroad and withdraw cash from a foreign ATM free of charge. Chase uses the Mastercard exchange rate when paying in the local currency, but note that there is a monthly withdrawal limit. The account has no monthly maintenance fee and also lets you earn cashback on everyday spending in GBP. It also links to a savings account and offers a round-ups feature which rounds up your spending to the nearest pound and saves it in an account paying interest.<\/p>\n\n\n\n\n\n  <ul class=\"luna-accordionGroup accordionGroup\">    <li class=\"luna-accordion\" data-accordion=\"accordion\">\n  <div class=\"luna-accordion__summary\">\n    <h4 class=\"luna-accordion__heading\">\n      <button class=\"luna-accordion__action collapsed\" aria-expanded=\"false\" aria-controls=\"accordion0000000000\" data-toggle=\"collapse\" data-target=\"#accordion0000000000\">\n        <span class=\"luna-accordion__title\">Pros and cons<\/span>\n        <svg class=\"luna-icon\" aria-hidden=\"true\">\n          <use xlink:href=\"#chevron-down\" data-accordion-icon=\"show\"><\/use>\n          <use xlink:href=\"#chevron-up\" data-accordion-icon=\"hide\" class=\"is-hidden\"><\/use>\n        <\/svg>\n      <\/button>\n    <\/h4>\n  <\/div>\n  <div class=\"luna-accordion__details collapse\" aria-hidden=\"true\" id=\"accordion0000000000\" data-accordion=\"details\">\n    <div class=\"accordionContent\">    <div class=\"u-grid\"><div class=\"u-grid__col u-1\/2@s\"><p class=\"u-font--bold\">Pros<\/p><ul class=\"list-4\"><li>Rewards when you spend<\/li><li>Interest when you don't<\/li><li>No fees abroad from Chase<\/li><\/ul><\/div><div class=\"u-grid__col u-1\/2@s\"><p class=\"u-font--bold\">Cons<\/p><ul class=\"list-13\"><li>No branches if you prefer face-to-face banking<\/li><li>Can\u2019t deposit cash or cheques into the account<\/li><li>Overdrafts not available yet<\/li><\/ul><\/div><\/div>    <\/div>\n  <\/div>\n<\/li>    <li class=\"luna-accordion\" data-accordion=\"accordion\">\n  <div class=\"luna-accordion__summary\">\n    <h4 class=\"luna-accordion__heading\">\n      <button class=\"luna-accordion__action collapsed\" aria-expanded=\"false\" aria-controls=\"accordion0000000001\" data-toggle=\"collapse\" data-target=\"#accordion0000000001\">\n        <span class=\"luna-accordion__title\">More details<\/span>\n        <svg class=\"luna-icon\" aria-hidden=\"true\">\n          <use xlink:href=\"#chevron-down\" data-accordion-icon=\"show\"><\/use>\n          <use xlink:href=\"#chevron-up\" data-accordion-icon=\"hide\" class=\"is-hidden\"><\/use>\n        <\/svg>\n      <\/button>\n    <\/h4>\n  <\/div>\n  <div class=\"luna-accordion__details collapse\" aria-hidden=\"true\" id=\"accordion0000000001\" data-accordion=\"details\">\n    <div class=\"accordionContent\">    <div data-category=\"\" data-niche=\"UKFSA-CUR\" data-fieldset=\"bestpage\" class=\"UKFSA-CUR bestpage \"><table class=\"i_infobox product_infobox\"><tbody><tr><th>Switch service guarantee<\/th><td class=\"i_infobox_data product_infobox_data\">Yes<\/td><\/tr><tr><th>Account fees<\/th><td class=\"i_infobox_data product_infobox_data\">\u00a30<\/td><\/tr><tr><th>Overseas card transactions<\/th><td class=\"i_infobox_data product_infobox_data\">0% <span class=\"table-popover\" rel=\"popover\" data-content=\"There is no charge for debit card transactions in foreign currency outside the UK.\" title=\"More info\" data-original-title=\"\" tabindex=\"0\"><\/span><\/td><\/tr><\/tbody><\/table><\/div>    <\/div>\n  <\/div>\n<\/li>  <\/ul>\n\n\n\n<\/div><\/div><div class=\"u-grid__col u-1\/4@m u-1\/3@s box no-margin-bottom is-hidden is-visible@s\"><div class=\"has-padding-small\"><div class=\"hotstats has-margin-bottom-small\"><div data-category=\"\" data-niche=\"UKFSA-CUR\" data-fieldset=\"bestpage_hotstats\" class=\"UKFSA-CUR bestpage_hotstats \"><table class=\"i_infobox product_infobox\"><tbody><tr><th>Account fees<\/th><td class=\"i_infobox_data product_infobox_data\">\u00a30<\/td><\/tr><tr><th>Interest (AER)<\/th><td class=\"i_infobox_data product_infobox_data\">0% AER<\/td><\/tr><\/tbody><\/table><\/div><\/div><\/div><\/div><\/div><\/div><\/article><\/div>\n\n\n\n\n\n\n\n\n\n\n\n\n\n                                                                                                    \n\n                \n    \n\n\n\n\n\n\n\n\n\n\n\n\n\n<style>\n.best-hero .hotstats .product_infobox tr { display: flex; flex-direction: column; flex-basis: 0; flex-grow: 1; }\n.best-hero .hotstats .product_infobox th { border-bottom: 0px; width: 100%; padding-left: 0px; padding-bottom: 4px; font-size: 14px; }\n.best-hero .hotstats .product_infobox td { border-bottom: 0px; width: 100%; padding-left: 0px; padding-top: 0px;  }\n.best-hero .hotstats .product_infobox td svg.luna-icon--medium { height: 24px; width: 24px; }\n.best-hero .luna-button--success { white-space: normal; line-height: 1.2; }\n@media only screen and (max-width: 600px) {\n.best-hero .hotstats .product_infobox tbody { display: flex; }\n.best-hero .hotstats .product_infobox th { text-align: center; line-height: 16px !important; padding-left: 3px; padding-right: 3px; }\n.best-hero .hotstats .product_infobox td { flex-grow: 1; align-content: center; text-align: center; line-height: 20px !important; padding-left: 3px; padding-right: 3px;  }\n.best-hero .hotstats .product_infobox tr:first-of-type td, .best-hero .hotstats .product_infobox tr:first-of-type th { padding-left: 0px !important; }\n.best-hero .hotstats .product_infobox tr:last-of-type td, .best-hero .hotstats .product_infobox tr:last-of-type th { padding-right: 0px !important; }\n}\n<\/style><div class=\"best-hero\" id=\"best-hero-b4955ee22df944fa8c63b0cff8078ce0\"><article class=\"luna-card luna-card--border\"><div class=\"luna-card__block no-padding-top no-padding-right no-padding-bottom no-padding-left\"><div class=\"u-grid u-grid--gutterCollapse\"><div class=\"u-grid__col u-3\/4@m u-2\/3@s\"><div class=\"has-padding-small\"><div class=\"u-grid u-grid--alignMiddle has-padding-bottom-xsmall\"><div class=\"u-grid__col u-1\/3 u-1\/4@m u-1\/5@l\"><img decoding=\"async\" src=\"https:\/\/www.finder.com\/niche-builder\/68caa9cbcd7b2.png\" width=\"140\" height=\"88\" alt=\"Starling Current Account\" srcset=\"https:\/\/www.finder.com\/niche-builder\/68caa9cbcd7b2.png?fit=180 180w, https:\/\/www.finder.com\/niche-builder\/68caa9cbcd7b2.png?fit=360 360w, https:\/\/www.finder.com\/niche-builder\/68caa9cbcd7b2.png?fit=420 420w\" sizes=\"(max-width: 420px) 28vw, 420px\" loading=\"lazy\"><\/div><div class=\"u-grid__col u-3\/4@m u-2\/3\"><p class=\"no-margin-bottom u-font--bold\" style=\"font-size: 22px; line-height: 27px;\">\nBest for fee free spending &amp; customer service\n<\/p><span class=\"alignleft\" style=\"font-weight: 1000; color:#000; font-size: 1.6em;\"><span class=\"scoreCombined score__container finder-score\" style=\"justify-content: center;\"><span class=\"score__badge score__badge--excellent\"><span class=\"score__value\">9.8<\/span><\/span><span class=\"score__text-wrapper score__text score__text--excellent persist\" style=\"display: flex;\">\nExcellent\n<\/span><\/span><\/span><\/div><\/div><div class=\"is-hidden@s has-margin-bottom-small hotstats\"><div data-category=\"\" data-niche=\"UKFSA-CUR\" data-fieldset=\"bestpage_hotstats\" class=\"UKFSA-CUR bestpage_hotstats \"><table class=\"i_infobox product_infobox\"><tbody><tr><th>Account fees<\/th><td class=\"i_infobox_data product_infobox_data\">\u00a30<\/td><\/tr><tr><th>Interest (AER)<\/th><td class=\"i_infobox_data product_infobox_data\">0% AER<\/td><\/tr><\/tbody><\/table><\/div><a class=\"luna-button luna-button--success luna-button--fluid has-margin-top-xsmall has-margin-bottom-xsmall\" href=\"https:\/\/www.finder.com\/uk\/current-accounts?filters_preset=1261c70d1c6891fd5f2446dc972774ddde859246886ea09072dedf0264d7f8ad#0000000002\">See deal<\/a><a class=\"luna-button luna-button--primary luna-button--ghost luna-button--fluid has-margin-top-xsmall has-margin-bottom-xsmall\" href=\"https:\/\/www.finder.com\/uk\/current-accounts\/starling-bank-review\">Read review<\/a><\/div><p>Starling has zero fees for spending overseas and was also our winner in the Finder Customer Satisfaction Awards 2023, with 94% of its current account holders saying they would recommend it to a friend. Its app is one of the highest scoring apps in the Apple app store and Google Play Store. Meaning you'll not only benefit from being able to use your card fee free when travelling, but you'll also be able to easily manage your money on the go.<\/p><p>Representative example: If you use an arranged overdraft of \u00a31,200, you'll be charged interest at 15% EAR variable.<\/p>\n\n\n  <ul class=\"luna-accordionGroup accordionGroup\">    <li class=\"luna-accordion\" data-accordion=\"accordion\">\n  <div class=\"luna-accordion__summary\">\n    <h4 class=\"luna-accordion__heading\">\n      <button class=\"luna-accordion__action collapsed\" aria-expanded=\"false\" aria-controls=\"accordion0000000002\" data-toggle=\"collapse\" data-target=\"#accordion0000000002\">\n        <span class=\"luna-accordion__title\">Pros and cons<\/span>\n        <svg class=\"luna-icon\" aria-hidden=\"true\">\n          <use xlink:href=\"#chevron-down\" data-accordion-icon=\"show\"><\/use>\n          <use xlink:href=\"#chevron-up\" data-accordion-icon=\"hide\" class=\"is-hidden\"><\/use>\n        <\/svg>\n      <\/button>\n    <\/h4>\n  <\/div>\n  <div class=\"luna-accordion__details collapse\" aria-hidden=\"true\" id=\"accordion0000000002\" data-accordion=\"details\">\n    <div class=\"accordionContent\">    <div class=\"u-grid\"><div class=\"u-grid__col u-1\/2@s\"><p class=\"u-font--bold\">Pros<\/p><ul class=\"list-4\"><li>Split any bill with a tap<\/li><li>24\/7 customer support<\/li><li>Bill manager &amp; instant alerts<\/li><li>Spaces to help manage your money<\/li><li>No charge from Starling for card use abroad<\/li><\/ul><\/div><div class=\"u-grid__col u-1\/2@s\"><p class=\"u-font--bold\">Cons<\/p><ul class=\"list-13\"><li>No branch network<\/li><li>No interest on your current account balance<\/li><li>Limited product range compared to other banks<\/li><\/ul><\/div><\/div>    <\/div>\n  <\/div>\n<\/li>    <li class=\"luna-accordion\" data-accordion=\"accordion\">\n  <div class=\"luna-accordion__summary\">\n    <h4 class=\"luna-accordion__heading\">\n      <button class=\"luna-accordion__action collapsed\" aria-expanded=\"false\" aria-controls=\"accordion0000000003\" data-toggle=\"collapse\" data-target=\"#accordion0000000003\">\n        <span class=\"luna-accordion__title\">More details<\/span>\n        <svg class=\"luna-icon\" aria-hidden=\"true\">\n          <use xlink:href=\"#chevron-down\" data-accordion-icon=\"show\"><\/use>\n          <use xlink:href=\"#chevron-up\" data-accordion-icon=\"hide\" class=\"is-hidden\"><\/use>\n        <\/svg>\n      <\/button>\n    <\/h4>\n  <\/div>\n  <div class=\"luna-accordion__details collapse\" aria-hidden=\"true\" id=\"accordion0000000003\" data-accordion=\"details\">\n    <div class=\"accordionContent\">    <div data-category=\"\" data-niche=\"UKFSA-CUR\" data-fieldset=\"bestpage\" class=\"UKFSA-CUR bestpage \"><table class=\"i_infobox product_infobox\"><tbody><tr><th>Switch service guarantee<\/th><td class=\"i_infobox_data product_infobox_data\">Yes<\/td><\/tr><tr><th>Account fees<\/th><td class=\"i_infobox_data product_infobox_data\">\u00a30<\/td><\/tr><tr><th>Overseas card transactions<\/th><td class=\"i_infobox_data product_infobox_data\">0% <span class=\"table-popover\" rel=\"popover\" data-content=\"There is no charge for debit card transactions in foreign currency outside the UK.\" title=\"More info\" data-original-title=\"\" tabindex=\"0\"><\/span><\/td><\/tr><\/tbody><\/table><\/div>    <\/div>\n  <\/div>\n<\/li>  <\/ul>\n\n\n\n<\/div><\/div><div class=\"u-grid__col u-1\/4@m u-1\/3@s box no-margin-bottom is-hidden is-visible@s\"><div class=\"has-padding-small\"><div class=\"hotstats has-margin-bottom-small\"><div data-category=\"\" data-niche=\"UKFSA-CUR\" data-fieldset=\"bestpage_hotstats\" class=\"UKFSA-CUR bestpage_hotstats \"><table class=\"i_infobox product_infobox\"><tbody><tr><th>Account fees<\/th><td class=\"i_infobox_data product_infobox_data\">\u00a30<\/td><\/tr><tr><th>Interest (AER)<\/th><td class=\"i_infobox_data product_infobox_data\">0% AER<\/td><\/tr><\/tbody><\/table><\/div><\/div><a class=\"luna-button luna-button--success luna-button--fluid has-margin-bottom-xsmall\" href=\"https:\/\/www.finder.com\/uk\/current-accounts?filters_preset=1261c70d1c6891fd5f2446dc972774ddde859246886ea09072dedf0264d7f8ad#0000000002\">See deal<\/a><a class=\"luna-button luna-button--primary luna-button--ghost luna-button--fluid\" href=\"https:\/\/www.finder.com\/uk\/current-accounts\/starling-bank-review\">Read review<\/a><\/div><\/div><\/div><\/div><\/article><\/div>\n\n\n\n\n\n\n\n\n\n\n\n\n\n                                                                                                    \n\n                \n    \n\n\n\n\n\n\n\n\n\n\n\n\n\n<style>\n.best-hero .hotstats .product_infobox tr { display: flex; flex-direction: column; flex-basis: 0; flex-grow: 1; }\n.best-hero .hotstats .product_infobox th { border-bottom: 0px; width: 100%; padding-left: 0px; padding-bottom: 4px; font-size: 14px; }\n.best-hero .hotstats .product_infobox td { border-bottom: 0px; width: 100%; padding-left: 0px; padding-top: 0px;  }\n.best-hero .hotstats .product_infobox td svg.luna-icon--medium { height: 24px; width: 24px; }\n.best-hero .luna-button--success { white-space: normal; line-height: 1.2; }\n@media only screen and (max-width: 600px) {\n.best-hero .hotstats .product_infobox tbody { display: flex; }\n.best-hero .hotstats .product_infobox th { text-align: center; line-height: 16px !important; padding-left: 3px; padding-right: 3px; }\n.best-hero .hotstats .product_infobox td { flex-grow: 1; align-content: center; text-align: center; line-height: 20px !important; padding-left: 3px; padding-right: 3px;  }\n.best-hero .hotstats .product_infobox tr:first-of-type td, .best-hero .hotstats .product_infobox tr:first-of-type th { padding-left: 0px !important; }\n.best-hero .hotstats .product_infobox tr:last-of-type td, .best-hero .hotstats .product_infobox tr:last-of-type th { padding-right: 0px !important; }\n}\n<\/style><div class=\"best-hero\" id=\"best-hero-6f99423051784a2c911db8238712e202\"><article class=\"luna-card luna-card--border\"><div class=\"luna-card__block no-padding-top no-padding-right no-padding-bottom no-padding-left\"><div class=\"u-grid u-grid--gutterCollapse\"><div class=\"u-grid__col u-3\/4@m u-2\/3@s\"><div class=\"has-padding-small\"><div class=\"u-grid u-grid--alignMiddle has-padding-bottom-xsmall\"><div class=\"u-grid__col u-1\/3 u-1\/4@m u-1\/5@l\"><img decoding=\"async\" src=\"https:\/\/www.finder.com\/niche-builder\/639b2a3f31f83.png\" width=\"140\" height=\"88\" alt=\"Kroo Current Account\" srcset=\"https:\/\/www.finder.com\/niche-builder\/639b2a3f31f83.png?fit=180 180w, https:\/\/www.finder.com\/niche-builder\/639b2a3f31f83.png?fit=360 360w, https:\/\/www.finder.com\/niche-builder\/639b2a3f31f83.png?fit=420 420w\" sizes=\"(max-width: 420px) 28vw, 420px\" loading=\"lazy\"><\/div><div class=\"u-grid__col u-3\/4@m u-2\/3\"><p class=\"no-margin-bottom u-font--bold\" style=\"font-size: 22px; line-height: 27px;\">\nBest for fee free spending &amp; in-credit interest\n<\/p><span class=\"alignleft\" style=\"font-weight: 1000; color:#000; font-size: 1.6em;\"><span class=\"scoreCombined score__container finder-score\" style=\"justify-content: center;\"><span class=\"score__badge score__badge--standard\"><span class=\"score__value\">6.3<\/span><\/span><span class=\"score__text-wrapper score__text score__text--standard persist\" style=\"display: flex;\">\nStandard\n<\/span><\/span><\/span><\/div><\/div><div class=\"is-hidden@s has-margin-bottom-small hotstats\"><div data-category=\"\" data-niche=\"UKFSA-CUR\" data-fieldset=\"bestpage_hotstats\" class=\"UKFSA-CUR bestpage_hotstats \"><table class=\"i_infobox product_infobox\"><tbody><tr><th>Account fees<\/th><td class=\"i_infobox_data product_infobox_data\">\u00a30<\/td><\/tr><tr><th>Interest (AER)<\/th><td class=\"i_infobox_data product_infobox_data\">2.65% AER<\/td><\/tr><\/tbody><\/table><\/div><\/div><p>While you may be focused on spending when looking for a debit card to use abroad, don't forget that you can also earn interest on the money you aren't spending. Kroo Bank has a competitive in-credit interest rate on current account balances, in addition to fee free spending overseas. Meaning you can save money when using your card on holiday and earn interest on whatever you don't spend.<\/p>\n\n\n\n\n\n  <ul class=\"luna-accordionGroup accordionGroup\">    <li class=\"luna-accordion\" data-accordion=\"accordion\">\n  <div class=\"luna-accordion__summary\">\n    <h4 class=\"luna-accordion__heading\">\n      <button class=\"luna-accordion__action collapsed\" aria-expanded=\"false\" aria-controls=\"accordion0000000004\" data-toggle=\"collapse\" data-target=\"#accordion0000000004\">\n        <span class=\"luna-accordion__title\">Pros and cons<\/span>\n        <svg class=\"luna-icon\" aria-hidden=\"true\">\n          <use xlink:href=\"#chevron-down\" data-accordion-icon=\"show\"><\/use>\n          <use xlink:href=\"#chevron-up\" data-accordion-icon=\"hide\" class=\"is-hidden\"><\/use>\n        <\/svg>\n      <\/button>\n    <\/h4>\n  <\/div>\n  <div class=\"luna-accordion__details collapse\" aria-hidden=\"true\" id=\"accordion0000000004\" data-accordion=\"details\">\n    <div class=\"accordionContent\">    <div class=\"u-grid\"><div class=\"u-grid__col u-1\/2@s\"><p class=\"u-font--bold\">Pros<\/p><ul class=\"list-4\"><li>Free to use<\/li><li>In-credit interest <\/li><li>No fees for using card abroad<\/li><li>2 trees planted for every new customer<\/li><\/ul><\/div><div class=\"u-grid__col u-1\/2@s\"><p class=\"u-font--bold\">Cons<\/p><ul class=\"list-13\"><li>Can only be accessed through the app<\/li><li>No branches or face-to-face support<\/li><\/ul><\/div><\/div>    <\/div>\n  <\/div>\n<\/li>    <li class=\"luna-accordion\" data-accordion=\"accordion\">\n  <div class=\"luna-accordion__summary\">\n    <h4 class=\"luna-accordion__heading\">\n      <button class=\"luna-accordion__action collapsed\" aria-expanded=\"false\" aria-controls=\"accordion0000000005\" data-toggle=\"collapse\" data-target=\"#accordion0000000005\">\n        <span class=\"luna-accordion__title\">More details<\/span>\n        <svg class=\"luna-icon\" aria-hidden=\"true\">\n          <use xlink:href=\"#chevron-down\" data-accordion-icon=\"show\"><\/use>\n          <use xlink:href=\"#chevron-up\" data-accordion-icon=\"hide\" class=\"is-hidden\"><\/use>\n        <\/svg>\n      <\/button>\n    <\/h4>\n  <\/div>\n  <div class=\"luna-accordion__details collapse\" aria-hidden=\"true\" id=\"accordion0000000005\" data-accordion=\"details\">\n    <div class=\"accordionContent\">    <div data-category=\"\" data-niche=\"UKFSA-CUR\" data-fieldset=\"bestpage\" class=\"UKFSA-CUR bestpage \"><table class=\"i_infobox product_infobox\"><tbody><tr><th>Switch service guarantee<\/th><td class=\"i_infobox_data product_infobox_data\">No<\/td><\/tr><tr><th>Account fees<\/th><td class=\"i_infobox_data product_infobox_data\">\u00a30<\/td><\/tr><tr><th>Overseas card transactions<\/th><td class=\"i_infobox_data product_infobox_data\">0% <span class=\"table-popover\" rel=\"popover\" data-content=\"There is no charge for debit card transactions in foreign currency outside the UK.\" title=\"More info\" data-original-title=\"\" tabindex=\"0\"><\/span><\/td><\/tr><\/tbody><\/table><\/div>    <\/div>\n  <\/div>\n<\/li>  <\/ul>\n\n\n\n<\/div><\/div><div class=\"u-grid__col u-1\/4@m u-1\/3@s box no-margin-bottom is-hidden is-visible@s\"><div class=\"has-padding-small\"><div class=\"hotstats has-margin-bottom-small\"><div data-category=\"\" data-niche=\"UKFSA-CUR\" data-fieldset=\"bestpage_hotstats\" class=\"UKFSA-CUR bestpage_hotstats \"><table class=\"i_infobox product_infobox\"><tbody><tr><th>Account fees<\/th><td class=\"i_infobox_data product_infobox_data\">\u00a30<\/td><\/tr><tr><th>Interest (AER)<\/th><td class=\"i_infobox_data product_infobox_data\">2.65% AER<\/td><\/tr><\/tbody><\/table><\/div><\/div><\/div><\/div><\/div><\/div><\/article><\/div><div class=\"eeQuote box u-rounded--lg source-finder type-expert\">\n    <div class=\"eeQuote__gridContainer\">\n        <div class=\"eeQuote__photoContainer\">\n            <div class=\"eeQuote__startQuoteIcon\">\n     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class=\"eeQuote__quote\">\n                    <p>\"To choose the best card for each category shown above, our experts analysed app ratings, overseas fees, exchange rates, customer service, account access and extra features. In this particular case, these were selected from our list of debit cards that have no fees for being used abroad, not the whole market. If we show any \u201dpromoted\u201d picks, these are based on factors that include special features or offers and the commission we receive. If we show any \u201dbest\u201d picks, there are our banking editor\u2019s top picks for different categories and are chosen based on factors that include cost, purpose, rewards and extras. What you need from a debit card is personal, so these picks are just a guide to help you with your decision.\"<\/p>\n\n                <\/div>\n            <\/div>\n\n                            <div class=\"eeQuote__authorInfo\">\n                                            <div class=\"eeQuote__authorPhoto--mobile\">\n                            <figure class=\"eeQuote__photo\">\n                                <img decoding=\"async\" alt=\"Kate Steere's headshot\" src=\"https:\/\/www.finder.com\/finder-us\/wp-uploads\/2025\/11\/KateSteereF1_Finder_600x600.png\" class=\"avatar avatar-200 photo finder-avatar\" height=\"200\" width=\"200\" srcset=\"https:\/\/www.finder.com\/finder-us\/wp-uploads\/2025\/11\/KateSteereF1_Finder_600x600.png?fit=180 180w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/2025\/11\/KateSteereF1_Finder_600x600.png?fit=360 360w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/2025\/11\/KateSteereF1_Finder_600x600.png?fit=600 600w\" sizes=\"(max-width: 600px) 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                                        <a class=\"eeQuote__authorName\" href=\"https:\/\/www.finder.com\/uk\/author\/katesteere\" itemprop=\"url\" target=\"_blank\">\n                                Kate Steere\n                            <\/a>\n                                                                            <div class=\"eeQuote__authorTitle\">Editor<\/div>\n                                            <\/div>\n                <\/div>\n                    <\/div>\n    <\/div>\n<\/div>\n<h3 id=\"reviews\">Other reviews of accounts and travel cards you can use abroad<\/h3>\n\n\n\n\n\n\n\n\n\n\n\n\n\n                                                                                                    \n\n                \n    \n\n\n\n\n\n\n\n\n\n\n\n\n\n<style>\n.best-hero .hotstats .product_infobox tr { display: flex; flex-direction: column; flex-basis: 0; flex-grow: 1; }\n.best-hero .hotstats .product_infobox th { border-bottom: 0px; width: 100%; padding-left: 0px; padding-bottom: 4px; font-size: 14px; }\n.best-hero .hotstats .product_infobox td { border-bottom: 0px; width: 100%; padding-left: 0px; padding-top: 0px;  }\n.best-hero .hotstats .product_infobox td svg.luna-icon--medium { height: 24px; width: 24px; }\n.best-hero .luna-button--success { white-space: normal; line-height: 1.2; }\n@media only screen and (max-width: 600px) {\n.best-hero .hotstats .product_infobox tbody { display: flex; }\n.best-hero .hotstats .product_infobox th { text-align: center; line-height: 16px !important; padding-left: 3px; padding-right: 3px; }\n.best-hero .hotstats .product_infobox td { flex-grow: 1; align-content: center; text-align: center; line-height: 20px !important; padding-left: 3px; padding-right: 3px;  }\n.best-hero .hotstats .product_infobox tr:first-of-type td, .best-hero .hotstats .product_infobox tr:first-of-type th { padding-left: 0px !important; }\n.best-hero .hotstats .product_infobox tr:last-of-type td, .best-hero .hotstats .product_infobox tr:last-of-type th { padding-right: 0px !important; }\n}\n<\/style><div class=\"best-hero\" id=\"best-hero-0e1b011e99ac4d7283d094c3433afbc2\"><article class=\"luna-card luna-card--border\"><div class=\"luna-card__block no-padding-top no-padding-right no-padding-bottom no-padding-left\"><div class=\"u-grid u-grid--gutterCollapse\"><div class=\"u-grid__col u-3\/4@m u-2\/3@s\"><div class=\"has-padding-small\"><div class=\"u-grid u-grid--alignMiddle has-padding-bottom-xsmall\"><div class=\"u-grid__col u-1\/3 u-1\/4@m u-1\/5@l\"><img decoding=\"async\" src=\"https:\/\/www.finder.com\/niche-builder\/66ed2c547ad3d.png\" width=\"140\" height=\"88\" alt=\"Revolut Standard\" srcset=\"https:\/\/www.finder.com\/niche-builder\/66ed2c547ad3d.png?fit=180 180w, https:\/\/www.finder.com\/niche-builder\/66ed2c547ad3d.png?fit=360 360w, https:\/\/www.finder.com\/niche-builder\/66ed2c547ad3d.png?fit=420 420w\" sizes=\"(max-width: 420px) 28vw, 420px\" loading=\"lazy\"><\/div><div class=\"u-grid__col u-3\/4@m u-2\/3\"><p class=\"no-margin-bottom u-font--bold\" style=\"font-size: 22px; line-height: 27px;\">\nRevolut Standard<\/p><span class=\"alignleft\" style=\"font-weight: 1000; color:#000; font-size: 1.6em;\"><span class=\"scoreCombined score__container finder-score\" style=\"justify-content: center;\"><span class=\"score__badge score__badge--great\"><span class=\"score__value\">8.9<\/span><\/span><span class=\"score__text-wrapper score__text score__text--great persist\" style=\"display: flex;\">\nGreat\n<\/span><\/span><\/span><\/div><\/div><div class=\"is-hidden@s has-margin-bottom-small hotstats\"><div data-category=\"\" data-niche=\"UKFSA-CUR\" data-fieldset=\"bestpage_hotstats\" class=\"UKFSA-CUR bestpage_hotstats \"><table class=\"i_infobox product_infobox\"><tbody><tr><th>Minimum opening balance<\/th><td class=\"i_infobox_data product_infobox_data\">\u00a30<\/td><\/tr><tr><th>Account fees<\/th><td class=\"i_infobox_data product_infobox_data\">\u00a30<\/td><\/tr><tr><th>Interest (AER)<\/th><td class=\"i_infobox_data product_infobox_data\">0% AER<\/td><\/tr><\/tbody><\/table><\/div><a class=\"luna-button luna-button--success luna-button--fluid has-margin-top-xsmall has-margin-bottom-xsmall\" href=\"https:\/\/www.finder.com\/uk\/revolut-review#comparison-table-0000000000\">See deal<\/a><a class=\"luna-button luna-button--primary luna-button--ghost luna-button--fluid has-margin-top-xsmall has-margin-bottom-xsmall\" href=\"https:\/\/www.finder.com\/uk\/current-accounts\/revolut-review\">Read review<\/a><\/div><p>With Revolut, you can spend on your card fee-free on weekdays at the interbank exchange rate in 150 currencies. At the weekend, you'll be charged a markup of either 0.5% or 1%, depending on the currency. Foreign transactions are also limited to \u00a31,000 a month, after which a 0.5% fee applies, and cash withdrawals are limited to \u00a3200 a month (there's a 2% fee after that). Having a Revolut account will also enable you to hold and send money in 29 currencies and you'll be able to earn up RevPoints when you book accommodation through Revolut stays. RevPoints are earned through everyday spending, turning card purchases into perks.<\/p>\n\n\n\n\n\n  <ul class=\"luna-accordionGroup accordionGroup\">    <li class=\"luna-accordion\" data-accordion=\"accordion\">\n  <div class=\"luna-accordion__summary\">\n    <h4 class=\"luna-accordion__heading\">\n      <button class=\"luna-accordion__action collapsed\" aria-expanded=\"false\" aria-controls=\"accordion0000000006\" data-toggle=\"collapse\" data-target=\"#accordion0000000006\">\n        <span class=\"luna-accordion__title\">Pros and cons<\/span>\n        <svg class=\"luna-icon\" aria-hidden=\"true\">\n          <use xlink:href=\"#chevron-down\" data-accordion-icon=\"show\"><\/use>\n          <use xlink:href=\"#chevron-up\" data-accordion-icon=\"hide\" class=\"is-hidden\"><\/use>\n        <\/svg>\n      <\/button>\n    <\/h4>\n  <\/div>\n  <div class=\"luna-accordion__details collapse\" aria-hidden=\"true\" id=\"accordion0000000006\" data-accordion=\"details\">\n    <div class=\"accordionContent\">    <div class=\"u-grid\"><div class=\"u-grid__col u-1\/2@s\"><p class=\"u-font--bold\">Pros<\/p><ul class=\"list-4\"><li>Low overseas fees<\/li><li>Quick sign-up<\/li><li>Earn cashback on spending<\/li><li>Set budgets for financial goals<\/li><li>Virtual cards for online purchases<\/li><li>Easy to transfer money internationally<\/li><\/ul><\/div><div class=\"u-grid__col u-1\/2@s\"><p class=\"u-font--bold\">Cons<\/p><ul class=\"list-13\"><li>1% currency conversion charge on weekend spending abroad<\/li><li>Free cash withdrawals in the UK and abroad both limited to \u00a3200 per month<\/li><li>Cannot deposit cash or cheques into the account<\/li><li>Charged a fee to receive your bank card<\/li><\/ul><\/div><\/div>    <\/div>\n  <\/div>\n<\/li>    <li class=\"luna-accordion\" data-accordion=\"accordion\">\n  <div class=\"luna-accordion__summary\">\n    <h4 class=\"luna-accordion__heading\">\n      <button class=\"luna-accordion__action collapsed\" aria-expanded=\"false\" aria-controls=\"accordion0000000007\" data-toggle=\"collapse\" data-target=\"#accordion0000000007\">\n        <span class=\"luna-accordion__title\">More details<\/span>\n        <svg class=\"luna-icon\" aria-hidden=\"true\">\n          <use xlink:href=\"#chevron-down\" data-accordion-icon=\"show\"><\/use>\n          <use xlink:href=\"#chevron-up\" data-accordion-icon=\"hide\" class=\"is-hidden\"><\/use>\n        <\/svg>\n      <\/button>\n    <\/h4>\n  <\/div>\n  <div class=\"luna-accordion__details collapse\" aria-hidden=\"true\" id=\"accordion0000000007\" data-accordion=\"details\">\n    <div class=\"accordionContent\">    <div data-category=\"\" data-niche=\"UKFSA-CUR\" data-fieldset=\"bestpage\" class=\"UKFSA-CUR bestpage \"><table class=\"i_infobox product_infobox\"><tbody><tr><th>Minimum opening balance<\/th><td class=\"i_infobox_data product_infobox_data\">\u00a30<\/td><\/tr><tr><th>Switch service guarantee<\/th><td class=\"i_infobox_data product_infobox_data\">No<\/td><\/tr><tr><th>Account fees<\/th><td class=\"i_infobox_data product_infobox_data\">\u00a30<\/td><\/tr><tr><th>Overseas card transactions<\/th><td class=\"i_infobox_data product_infobox_data\">0% <span class=\"table-popover\" rel=\"popover\" data-content=\"There is no charge for debit card transactions in foreign currency outside the UK.\" title=\"More info\" data-original-title=\"\" tabindex=\"0\"><\/span><\/td><\/tr><\/tbody><\/table><\/div>    <\/div>\n  <\/div>\n<\/li>  <\/ul>\n\n\n\n<\/div><\/div><div class=\"u-grid__col u-1\/4@m u-1\/3@s box no-margin-bottom is-hidden is-visible@s\"><div class=\"has-padding-small\"><div class=\"hotstats has-margin-bottom-small\"><div data-category=\"\" data-niche=\"UKFSA-CUR\" data-fieldset=\"bestpage_hotstats\" class=\"UKFSA-CUR bestpage_hotstats \"><table class=\"i_infobox product_infobox\"><tbody><tr><th>Minimum opening balance<\/th><td class=\"i_infobox_data product_infobox_data\">\u00a30<\/td><\/tr><tr><th>Account fees<\/th><td class=\"i_infobox_data product_infobox_data\">\u00a30<\/td><\/tr><tr><th>Interest (AER)<\/th><td class=\"i_infobox_data product_infobox_data\">0% AER<\/td><\/tr><\/tbody><\/table><\/div><\/div><a class=\"luna-button luna-button--success luna-button--fluid has-margin-bottom-xsmall\" href=\"https:\/\/www.finder.com\/uk\/revolut-review#comparison-table-0000000000\">See deal<\/a><a class=\"luna-button luna-button--primary luna-button--ghost luna-button--fluid\" href=\"https:\/\/www.finder.com\/uk\/current-accounts\/revolut-review\">Read review<\/a><\/div><\/div><\/div><\/div><\/article><\/div>\n\n\n\n\n\n\n\n\n\n\n\n\n\n                                                                                                    \n\n                \n    \n\n\n\n\n\n\n\n\n\n\n\n\n\n<style>\n.best-hero .hotstats .product_infobox tr { display: flex; flex-direction: column; flex-basis: 0; flex-grow: 1; }\n.best-hero .hotstats .product_infobox th { border-bottom: 0px; width: 100%; padding-left: 0px; padding-bottom: 4px; font-size: 14px; }\n.best-hero .hotstats .product_infobox td { border-bottom: 0px; width: 100%; padding-left: 0px; padding-top: 0px;  }\n.best-hero .hotstats .product_infobox td svg.luna-icon--medium { height: 24px; width: 24px; }\n.best-hero .luna-button--success { white-space: normal; line-height: 1.2; }\n@media only screen and (max-width: 600px) {\n.best-hero .hotstats .product_infobox tbody { display: flex; }\n.best-hero .hotstats .product_infobox th { text-align: center; line-height: 16px !important; padding-left: 3px; padding-right: 3px; }\n.best-hero .hotstats .product_infobox td { flex-grow: 1; align-content: center; text-align: center; line-height: 20px !important; padding-left: 3px; padding-right: 3px;  }\n.best-hero .hotstats .product_infobox tr:first-of-type td, .best-hero .hotstats .product_infobox tr:first-of-type th { padding-left: 0px !important; }\n.best-hero .hotstats .product_infobox tr:last-of-type td, .best-hero .hotstats .product_infobox tr:last-of-type th { padding-right: 0px !important; }\n}\n<\/style>\n\n\n\n\n\n\n\n\n\n\n\n\n\n                                                                                                    \n\n                \n    \n\n\n\n\n\n\n\n\n\n\n\n\n\n<style>\n.best-hero .hotstats .product_infobox tr { display: flex; flex-direction: column; flex-basis: 0; flex-grow: 1; }\n.best-hero .hotstats .product_infobox th { border-bottom: 0px; width: 100%; padding-left: 0px; padding-bottom: 4px; font-size: 14px; }\n.best-hero .hotstats .product_infobox td { border-bottom: 0px; width: 100%; padding-left: 0px; padding-top: 0px;  }\n.best-hero .hotstats .product_infobox td svg.luna-icon--medium { height: 24px; width: 24px; }\n.best-hero .luna-button--success { white-space: normal; line-height: 1.2; }\n@media only screen and (max-width: 600px) {\n.best-hero .hotstats .product_infobox tbody { display: flex; }\n.best-hero .hotstats .product_infobox th { text-align: center; line-height: 16px !important; padding-left: 3px; padding-right: 3px; }\n.best-hero .hotstats .product_infobox td { flex-grow: 1; align-content: center; text-align: center; line-height: 20px !important; padding-left: 3px; padding-right: 3px;  }\n.best-hero .hotstats .product_infobox tr:first-of-type td, .best-hero .hotstats .product_infobox tr:first-of-type th { padding-left: 0px !important; }\n.best-hero .hotstats .product_infobox tr:last-of-type td, .best-hero .hotstats .product_infobox tr:last-of-type th { padding-right: 0px !important; }\n}\n<\/style><div class=\"best-hero\" id=\"best-hero-5be67640ad1c47c1a0e73c44987b4ea2\"><article class=\"luna-card luna-card--border\"><div class=\"luna-card__block no-padding-top no-padding-right no-padding-bottom no-padding-left\"><div class=\"u-grid u-grid--gutterCollapse\"><div class=\"u-grid__col u-3\/4@m u-2\/3@s\"><div class=\"has-padding-small\"><div class=\"u-grid u-grid--alignMiddle has-padding-bottom-xsmall\"><div class=\"u-grid__col u-1\/3 u-1\/4@m u-1\/5@l\"><img decoding=\"async\" src=\"https:\/\/www.finder.com\/niche-builder\/65a12ec2be3f4.png\" width=\"140\" height=\"88\" alt=\"Monzo Current Account\" srcset=\"https:\/\/www.finder.com\/niche-builder\/65a12ec2be3f4.png?fit=180 180w, https:\/\/www.finder.com\/niche-builder\/65a12ec2be3f4.png?fit=360 360w, https:\/\/www.finder.com\/niche-builder\/65a12ec2be3f4.png?fit=420 420w\" sizes=\"(max-width: 420px) 28vw, 420px\" loading=\"lazy\"><\/div><div class=\"u-grid__col u-3\/4@m u-2\/3\"><p class=\"no-margin-bottom u-font--bold\" style=\"font-size: 22px; line-height: 27px;\">\nMonzo Current Account<\/p><span class=\"alignleft\" style=\"font-weight: 1000; color:#000; font-size: 1.6em;\"><span class=\"scoreCombined score__container finder-score\" style=\"justify-content: center;\"><span class=\"score__badge score__badge--excellent\"><span class=\"score__value\">9.3<\/span><\/span><span class=\"score__text-wrapper score__text score__text--excellent persist\" style=\"display: flex;\">\nExcellent\n<\/span><\/span><\/span><\/div><\/div><div class=\"is-hidden@s has-margin-bottom-small hotstats\"><div data-category=\"\" data-niche=\"UKFSA-CUR\" data-fieldset=\"bestpage_hotstats\" class=\"UKFSA-CUR bestpage_hotstats \"><table class=\"i_infobox product_infobox\"><tbody><tr><th>Minimum opening balance<\/th><td class=\"i_infobox_data product_infobox_data\">\u00a30<\/td><\/tr><tr><th>Account fees<\/th><td class=\"i_infobox_data product_infobox_data\">\u00a30<\/td><\/tr><tr><th>Interest (AER)<\/th><td class=\"i_infobox_data product_infobox_data\">0% AER<\/td><\/tr><\/tbody><\/table><\/div>\n\n<a target=\"_blank\" rel=\"sponsored\" href=\"https:\/\/www.finder.com\/redirect\/uk\/savings-accounts\/monzo-free-account-uk-secure.html?nb=1&amp;src_country=uk&amp;redirect_tracking_params=%7B%22placement_type%22%3A%22product_link%22%2C%22title%22%3A%22Go%2Bto%2Bsite%22%2C%22site%22%3A%22UKFSA-CUR%22%2C%22class%22%3A%22luna-button%2Bluna-button--success%2Bluna-button--fluid%2Bhas-margin-top-xsmall%2Bhas-margin-bottom-xsmall%22%2C%22offer_id%22%3A%2225676%22%2C%22niche_code%22%3A%22UKFSA-CUR%22%2C%22product_id%22%3A%225be67640-ad1c-47c1-a0e7-3c44987b4ea2%22%2C%22product_name%22%3A%22Monzo%2BCurrent%2BAccount%22%2C%22provider_id%22%3A%22d6e38f30-245c-4f36-8654-5f6a652c1ddd%22%2C%22provider_name%22%3A%22Monzo%22%2C%22post_id%22%3A%22133089%22%2C%22post_path%22%3A%22digital-banking%252Fbest-banks-for-travelling%22%2C%22post_country%22%3A%22uk%22%2C%22partial%22%3A%7B%22id%22%3A543031%2C%22name%22%3A%22ukfin_best_hero%22%2C%22country%22%3A%22uk%22%7D%7D\" class=\"luna-button luna-button--success luna-button--fluid has-margin-top-xsmall has-margin-bottom-xsmall\">Go to site<\/a>\n    \n<a class=\"luna-button luna-button--primary luna-button--ghost luna-button--fluid has-margin-top-xsmall has-margin-bottom-xsmall\" href=\"https:\/\/www.finder.com\/uk\/current-accounts\/monzo-review\">Read review<\/a><\/div><p>Opening a Monzo account means you'll be able to use your card for fee-free spending overseas. You'll also be able to withdraw cash abroad for free up to a certain monthly limit, depending on the pricing plan you choose. With the free option, you have unlimited fee-free withdrawals in the UK and EEA, as long as its your main account, and a monthly \u00a3200 limit on fee-free withdrawals in the rest of the world. Anything over this is charged at 3%. If you choose either the Plus or Premium plans, which charge a monthly fee, you will benefit from higher fee-free withdrawal limits. The Premium plan also comes with mobile phone insurance, worldwide travel insurance for you and your family, plus discounted airport lounge access, making it ideal for regular travellers. All plans allow you to put money aside into different savings pots, while both the Plus and Premium plans also pay interest on your balance.<\/p><p>Representative example: If you use an arranged overdraft of \u00a31,200, you'll be charged interest at 39% EAR variable.<\/p>\n\n\n  <ul class=\"luna-accordionGroup accordionGroup\">    <li class=\"luna-accordion\" data-accordion=\"accordion\">\n  <div class=\"luna-accordion__summary\">\n    <h4 class=\"luna-accordion__heading\">\n      <button class=\"luna-accordion__action collapsed\" aria-expanded=\"false\" aria-controls=\"accordion0000000008\" data-toggle=\"collapse\" data-target=\"#accordion0000000008\">\n        <span class=\"luna-accordion__title\">Pros and cons<\/span>\n        <svg class=\"luna-icon\" aria-hidden=\"true\">\n          <use xlink:href=\"#chevron-down\" data-accordion-icon=\"show\"><\/use>\n          <use xlink:href=\"#chevron-up\" data-accordion-icon=\"hide\" class=\"is-hidden\"><\/use>\n        <\/svg>\n      <\/button>\n    <\/h4>\n  <\/div>\n  <div class=\"luna-accordion__details collapse\" aria-hidden=\"true\" id=\"accordion0000000008\" data-accordion=\"details\">\n    <div class=\"accordionContent\">    <div class=\"u-grid\"><div class=\"u-grid__col u-1\/2@s\"><p class=\"u-font--bold\">Pros<\/p><ul class=\"list-4\"><li>Easy to set up<\/li><li>Good for budgeting and categorising spending<\/li><li>Automatic saving feature<\/li><li>Fee-free spending abroad<\/li><li>Slick app with face login<\/li><li>Overdrafts and loans available<\/li><\/ul><\/div><div class=\"u-grid__col u-1\/2@s\"><p class=\"u-font--bold\">Cons<\/p><ul class=\"list-13\"><li>Free ATM withdrawals outside the EEA limited to \u00a3200,<\/li><li>\u00a31 fee for depositing cash at PayPoints, <\/li><li>Maximum cash deposit of \u00a31,000 every 6 months<\/li><li>No rewards program<\/li><\/ul><\/div><\/div>    <\/div>\n  <\/div>\n<\/li>    <li class=\"luna-accordion\" data-accordion=\"accordion\">\n  <div class=\"luna-accordion__summary\">\n    <h4 class=\"luna-accordion__heading\">\n      <button class=\"luna-accordion__action collapsed\" aria-expanded=\"false\" aria-controls=\"accordion0000000009\" data-toggle=\"collapse\" data-target=\"#accordion0000000009\">\n        <span class=\"luna-accordion__title\">More details<\/span>\n        <svg class=\"luna-icon\" aria-hidden=\"true\">\n          <use xlink:href=\"#chevron-down\" data-accordion-icon=\"show\"><\/use>\n          <use xlink:href=\"#chevron-up\" data-accordion-icon=\"hide\" class=\"is-hidden\"><\/use>\n        <\/svg>\n      <\/button>\n    <\/h4>\n  <\/div>\n  <div class=\"luna-accordion__details collapse\" aria-hidden=\"true\" id=\"accordion0000000009\" data-accordion=\"details\">\n    <div class=\"accordionContent\">    <div data-category=\"\" data-niche=\"UKFSA-CUR\" data-fieldset=\"bestpage\" class=\"UKFSA-CUR bestpage \"><table class=\"i_infobox product_infobox\"><tbody><tr><th>Minimum opening balance<\/th><td class=\"i_infobox_data product_infobox_data\">\u00a30<\/td><\/tr><tr><th>Switch service guarantee<\/th><td class=\"i_infobox_data product_infobox_data\">Yes<\/td><\/tr><tr><th>Account fees<\/th><td class=\"i_infobox_data product_infobox_data\">\u00a30<\/td><\/tr><tr><th>Overseas card transactions<\/th><td class=\"i_infobox_data product_infobox_data\">0% <span class=\"table-popover\" rel=\"popover\" data-content=\"There is no charge for debit card transactions in foreign currency outside the UK.\" title=\"More info\" data-original-title=\"\" tabindex=\"0\"><\/span><\/td><\/tr><\/tbody><\/table><\/div>    <\/div>\n  <\/div>\n<\/li>  <\/ul>\n\n\n\n<\/div><\/div><div class=\"u-grid__col u-1\/4@m u-1\/3@s box no-margin-bottom is-hidden is-visible@s\"><div class=\"has-padding-small\"><div class=\"hotstats has-margin-bottom-small\"><div data-category=\"\" data-niche=\"UKFSA-CUR\" data-fieldset=\"bestpage_hotstats\" class=\"UKFSA-CUR bestpage_hotstats \"><table class=\"i_infobox product_infobox\"><tbody><tr><th>Minimum opening balance<\/th><td class=\"i_infobox_data product_infobox_data\">\u00a30<\/td><\/tr><tr><th>Account fees<\/th><td class=\"i_infobox_data product_infobox_data\">\u00a30<\/td><\/tr><tr><th>Interest (AER)<\/th><td class=\"i_infobox_data product_infobox_data\">0% AER<\/td><\/tr><\/tbody><\/table><\/div><\/div>\n<a target=\"_blank\" rel=\"sponsored\" href=\"https:\/\/www.finder.com\/redirect\/uk\/savings-accounts\/monzo-free-account-uk-secure.html?nb=1&amp;src_country=uk&amp;redirect_tracking_params=%7B%22placement_type%22%3A%22product_link%22%2C%22title%22%3A%22Go%2Bto%2Bsite%22%2C%22site%22%3A%22UKFSA-CUR%22%2C%22class%22%3A%22luna-button%2Bluna-button--success%2Bluna-button--fluid%2Bhas-margin-bottom-xsmall%22%2C%22offer_id%22%3A%2225676%22%2C%22niche_code%22%3A%22UKFSA-CUR%22%2C%22product_id%22%3A%225be67640-ad1c-47c1-a0e7-3c44987b4ea2%22%2C%22product_name%22%3A%22Monzo%2BCurrent%2BAccount%22%2C%22provider_id%22%3A%22d6e38f30-245c-4f36-8654-5f6a652c1ddd%22%2C%22provider_name%22%3A%22Monzo%22%2C%22post_id%22%3A%22133089%22%2C%22post_path%22%3A%22digital-banking%252Fbest-banks-for-travelling%22%2C%22post_country%22%3A%22uk%22%2C%22partial%22%3A%7B%22id%22%3A543031%2C%22name%22%3A%22ukfin_best_hero%22%2C%22country%22%3A%22uk%22%7D%7D\" class=\"luna-button luna-button--success luna-button--fluid has-margin-bottom-xsmall\">Go to site<\/a>\n<a class=\"luna-button luna-button--primary luna-button--ghost luna-button--fluid\" href=\"https:\/\/www.finder.com\/uk\/current-accounts\/monzo-review\">Read review<\/a><\/div><\/div><\/div><\/div><\/article><\/div><h3>Why use a digital bank for travelling?<\/h3><p>Digital banks and e-money accounts like <a href=\"https:\/\/www.finder.com\/uk\/current-accounts\/monzo-review\">Monzo<\/a>, <a href=\"https:\/\/www.finder.com\/uk\/current-accounts\/revolut-review\">Revolut<\/a>, <a href=\"https:\/\/www.finder.com\/uk\/current-accounts\/starling-bank-review\">Starling<\/a> and <a href=\"https:\/\/www.finder.com\/uk\/current-accounts\/monese-review\">Monese<\/a> have all of the same functionality as high street current accounts, 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.<\/p><p>There are other dedicated travel money apps like <a href=\"https:\/\/www.finder.com\/uk\/travel-money\/weswap-travel-money\">WeSwap<\/a>, 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.<\/p><h3><span>Using debit and credit cards for overseas spending <\/span><\/h3><p>When travelling abroad, using a credit or debit card can be a cost effective option to spend money, but there are a couple of factors that will affect how much spending overseas will cost you.<\/p><p>When you use one of these cards overseas, a key part of the cost of that spending is determined by Visa and Mastercard\u2019s own exchange rates. These rates are as close to perfect as it\u2019s possible to get for converting between major currencies.<\/p><p>But whether your particular debit or credit card offers a low-cost way of spending overseas will also depend on your card issuer\u2019s fees on overseas spending. These can vary quite a bit depending on your bank. You can compare overseas fees on popular <a href=\"https:\/\/www.finder.com\/uk\/current-accounts\/debit-cards-low-foreign-transaction-fees\">UK debit cards here<\/a>.<\/p><p>For example, Starling Bank current account holders are not charged any foreign transaction fees for spending or withdrawing cash on their debit cards when abroad. By contrast, Barclays charges its debit card holders a 2.99% non-Sterling transaction fee for each foreign transaction and cash withdrawal. This can add up over the course of even a short trip abroad.<\/p><h3>Pros and cons of using credit and debit cards<\/h3><div class=\"u-grid\"><div class=\"u-grid__col u-1\/2@s\"><ul class=\"list-1\"><li><strong>Can be cheaper than bureaux de change.<\/strong> Spending abroad using a suitable credit card can save you money when compared to rates offered by bureaux de change and banks.<\/li><li><strong>Safer than cash<\/strong>. Cash can get stolen easily. If your credit card is stolen you can report this to your card issuer and they will cancel the card, ensuring you\u2019re not out of pocket. You might even be able to do this within your provider\u2019s app. Some card issuers will also offer extra services like travel insurance.<\/li><\/ul><\/div><div class=\"u-grid__col u-1\/2@s\"><ul class=\"list-12\"><li><strong>Some credit and debit cards will charge for overseas spending.<\/strong> Some banks and card issuers will levy charges and fees for spending when abroad. So it\u2019s vital you check your credit card\u2019s terms and conditions, and if necessary you should switch to a card that offers fee-free international spending.<\/li><\/ul><\/div><\/div><p>If you want to find out more about how travel credit cards work and to find the right one for you, head over to our dedicated <a href=\"https:\/\/www.finder.com\/uk\/credit-cards\/travel-credit-cards\">travel credit cards<\/a> guide.<\/p><div class=\"importantText importantText__quote\">\n  <blockquote>\n    <div class=\"importantText__quoteIcon\"><\/div>\n    <p>Never use a credit card to buy currency at a foreign exchange bureau as this will be treated as a cash withdrawal. This means you could pay a fee as well as interest on that transaction. Using a credit card to load a prepaid travel card with cash might also be counted as a cash withdrawal by some providers, so watch out.\u201d<\/p>\n    <footer class=\"importantText__quoteAuthor\">\u2013 <cite>Rachel Wait, Finder money expert<\/cite><\/footer>\n  <\/blockquote>\n<\/div>\n<h3 id=\"prepaidcards\">What about prepaid cards?<\/h3><p><a href=\"https:\/\/www.finder.com\/uk\/travel-money\/prepaid-cards\">Prepaid cards<\/a> are another popular solution for travel money. <a href=\"https:\/\/www.finder.com\/uk\/travel-money\/weswap-travel-money\">WeSwap<\/a> doesn\u2019t fall into the same category as the above digital banks. It is worth an honourable mention though. It\u2019s 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\u2019s site.<span style=\"font-size: 16px;\"> <\/span><\/p><h3>Pros and cons of using prepaid travel money cards<\/h3><div class=\"u-grid\"><div class=\"u-grid__col u-1\/2@s\"><ul class=\"list-1\"><li><strong>Can be cheaper than bureaux de change.<\/strong> Spending abroad using a travel money card can save you money when compared to rates offered by bureaux de change and banks.<\/li><li><strong>Safer than cash<\/strong>. Cash can get stolen easily. If your travel money card is stolen you can report this to your card issuer and they will cancel the card, ensuring you\u2019re not out of pocket. You might also be able to do this within the provider\u2019s app.<\/li><li><strong>Protects against exchange rate fluctuations. <\/strong>If you\u2019re able to load money onto the prepaid card in the currency of your choice, you can lock in the exchange rate, meaning you\u2019ll be protected if the pound weakens while you\u2019re abroad.<\/li><\/ul><\/div><div class=\"u-grid__col u-1\/2@s\"><ul class=\"list-12\"><li><strong>You\u2019ll miss out if the pound strengthens during your trip.<\/strong> Prepaid cards allow you to lock in exchange rates if loading money onto the card in a foreign currency. However, this may be a disadvantage if the pound strengthens while you\u2019re abroad, as you won\u2019t be able to benefit from the increased buying power of your pounds.<\/li><li><strong>Some credit and debit cards already offer strong exchange rates.<\/strong> Your existing debit or credit card may already offer a decent exchange rates when compared to other means of obtaining foreign currency or spending while abroad.<\/li><\/ul><\/div><\/div><h3>Using a credit card<\/h3><p>If you want to use a credit card for your overseas spending, you\u2019ll need to choose carefully. <\/p><p>Some credit cards, for example, will charge a foreign transaction fee of between 2.75% and 2.99% for each purchase made. If you also make a cash withdrawal, you could be charged this fee, plus a cash advance fee of around 2.99% on top. In other words, if you withdrew \u00a3100, you could be charged a total of \u00a35.98 (\u00a32.99 + \u00a32.99). <\/p><p>Fortunately, there are credit cards designed <a href=\"https:\/\/www.finder.com\/uk\/credit-cards\/travel-credit-cards\">specifically for overseas use<\/a> that won\u2019t charge these fees. However, even if your card does not charge foreign usage fees, be warned that most credit cards will still charge interest for cash withdrawals. This applies from the date of the transaction, even if you pay off your balance in full that month, making it a very expensive option. <\/p><div class=\"eeQuote box u-rounded--lg source-finder type-expert\">\n    <div class=\"eeQuote__gridContainer\">\n        <div class=\"eeQuote__photoContainer\">\n            <div class=\"eeQuote__startQuoteIcon\">\n                <svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"40\" height=\"36\" viewbox=\"0 0 32 28\" fill=\"none\">\n  <path d=\"M13.1114 3.54845C12.05 5.01898 11.1447 6.64935 10.3955 8.43956C9.64624 10.2298 9.24041 11.8282 9.17798 13.2348C10.7389 13.8102 11.9563 14.6733 12.8304 15.8242C13.767 16.975 14.2352 18.3816 14.2352 20.044C14.2352 22.0899 13.5484 23.8482 12.1749 25.3187C10.8637 26.7253 9.2092 27.4286 7.21127 27.4286C5.15091 27.4286 3.43394 26.7253 2.06036 25.3187C0.686788 23.9121 0 21.8661 0 19.1808C0 16.3037 0.749223 13.043 2.24767 9.3986C3.74611 5.75424 5.83769 2.62138 8.52241 0L13.1114 3.54845ZM30.8762 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<\/clippath>\n      <\/defs>\n    <\/svg>\n  <\/div>\n<\/div>\n                                    <\/div>\n\n        <div class=\"eeQuote__contentContainer \">\n            <div class=\"eeQuote__content\">\n                                    <div class=\"eeQuote__heading\">Our expert says: Should I pay in GBP or the local currency when asked?<\/div>\n                                <div class=\"eeQuote__quote\">\n                    <p>\"If you\u2019re on your hols and your friendly waiter or waitress asks if you want to pay in the local currency or in pounds sterling, always opt for the local currency. <\/p><p>You may think it\u2019s easier to pay in pounds as you\u2019ll then know what you\u2019ve spent \u2013 but in fact, it\u2019ll cost you more money. <\/p><p>If you pay in local currency, your bank or credit card company will work out the currency conversion for you, with fees of around 1%. However, if you pay in pounds, the transaction amount is set at the point of sale \u2013 at a rate set by the restaurant or shop. This is a way for shops or restaurants to make some extra money, and rates typically start at an eyewatering 7% on each transaction and could also include extra fees. <\/p><p>Beyond always opting for the local currency, another way to keep your card costs down while abroad is to sign up for a debit\/credit card or prepaid card with zero or low overseas fees. Fees are typically around 3% and can eat into your holiday money when you would much rather be eating a croissant.\"<\/p>\n\n                <\/div>\n            <\/div>\n\n                            <div class=\"eeQuote__authorInfo\">\n                                            <div class=\"eeQuote__authorPhoto--mobile\">\n                            <figure class=\"eeQuote__photo\">\n                                <img decoding=\"async\" alt=\"Kate Steere's headshot\" src=\"https:\/\/www.finder.com\/finder-us\/wp-uploads\/2025\/11\/KateSteereF1_Finder_600x600.png\" class=\"avatar avatar-200 photo finder-avatar\" height=\"200\" width=\"200\" srcset=\"https:\/\/www.finder.com\/finder-us\/wp-uploads\/2025\/11\/KateSteereF1_Finder_600x600.png?fit=180 180w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/2025\/11\/KateSteereF1_Finder_600x600.png?fit=360 360w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/2025\/11\/KateSteereF1_Finder_600x600.png?fit=600 600w\" sizes=\"(max-width: 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class=\"eeQuote__authorDetails\">\n                                                    <a class=\"eeQuote__authorName\" href=\"https:\/\/www.finder.com\/uk\/author\/katesteere\" itemprop=\"url\" target=\"_blank\">\n                                Kate Steere\n                            <\/a>\n                                                                            <div class=\"eeQuote__authorTitle\">Editor<\/div>\n                                            <\/div>\n                <\/div>\n                    <\/div>\n    <\/div>\n<\/div>\n<h3>Bottom line<\/h3><p>Working out the cheapest way to get your hands on money to spend abroad can be tricky, as there are a few factors to bear in mind.<\/p><p>Before checking out new banking apps or prepaid cards, it\u2019s worth checking what kinds of exchange rates your existing credit or debit cards offer on overseas spending. Some top accounts offer as close to perfect rates as it\u2019s possible to get, with few, if any, fees for spending in Euros or US dollars.<\/p><p>However, if your existing accounts charge you fees for spending or withdrawing cash abroad, it\u2019s best to investigate other options for obtaining your travel money. This is where prepaid travel money cards can come in handy.<\/p><p>Some of the digital banking apps mentioned above can also offer great terms on overseas spending. Apps like Revolut allow customers to keep several different currencies in their account at the same time.<\/p><p>Depending on where you\u2019re going, and which app, or card you use, you\u2019re sure to find a great cost-effective way to spend money abroad.<\/p><h3>Frequently asked questions<\/h3><ul class=\"luna-accordionGroup accordionGroup\"><li class=\"luna-accordion\" data-accordion=\"accordion\">\n  <div class=\"luna-accordion__summary\">\n    <h4 class=\"luna-accordion__heading\">\n      <button class=\"luna-accordion__action collapsed\" aria-expanded=\"false\" aria-controls=\"accordion0000000010\" data-toggle=\"collapse\" data-target=\"#accordion0000000010\">\n        <span class=\"luna-accordion__title\">Should I just get some cash and not worry about a card?<\/span>\n        <svg class=\"luna-icon\" aria-hidden=\"true\">\n          <use xlink:href=\"#chevron-down\" data-accordion-icon=\"show\"><\/use>\n          <use xlink:href=\"#chevron-up\" data-accordion-icon=\"hide\" class=\"is-hidden\"><\/use>\n        <\/svg>\n      <\/button>\n    <\/h4>\n  <\/div>\n  <div class=\"luna-accordion__details collapse\" aria-hidden=\"true\" id=\"accordion0000000010\" data-accordion=\"details\">\n    <div class=\"accordionContent\">If you\u2019re just looking to get some euros delivered, or you want to explore some other travel money solutions, head to our dedicated <a href=\"https:\/\/www.finder.com\/uk\/travel-money\">travel money<\/a> section.<\/div>\n  <\/div>\n<\/li><li class=\"luna-accordion\" data-accordion=\"accordion\">\n  <div class=\"luna-accordion__summary\">\n    <h4 class=\"luna-accordion__heading\">\n      <button class=\"luna-accordion__action collapsed\" aria-expanded=\"false\" aria-controls=\"accordion0000000011\" data-toggle=\"collapse\" data-target=\"#accordion0000000011\">\n        <span class=\"luna-accordion__title\">What should I do if my debit card is lost or stolen abroad?<\/span>\n        <svg class=\"luna-icon\" aria-hidden=\"true\">\n          <use xlink:href=\"#chevron-down\" data-accordion-icon=\"show\"><\/use>\n          <use xlink:href=\"#chevron-up\" data-accordion-icon=\"hide\" class=\"is-hidden\"><\/use>\n        <\/svg>\n      <\/button>\n    <\/h4>\n  <\/div>\n  <div class=\"luna-accordion__details collapse\" aria-hidden=\"true\" id=\"accordion0000000011\" data-accordion=\"details\">\n    <div class=\"accordionContent\">If you lose your debit card overseas you\u2019ll need to contact your bank as soon as possible to cancel it. Depending on your bank, you might be able to do this through online banking or the mobile banking app \u2013 otherwise you\u2019ll need to phone. Some banks, such as Barclays, will also arrange for emergency cash to be sent out to you so you can continue with your holiday. A replacement card will be sent to your home address.<\/div>\n  <\/div>\n<\/li><li class=\"luna-accordion\" data-accordion=\"accordion\">\n  <div class=\"luna-accordion__summary\">\n    <h4 class=\"luna-accordion__heading\">\n      <button class=\"luna-accordion__action collapsed\" aria-expanded=\"false\" aria-controls=\"accordion0000000012\" data-toggle=\"collapse\" data-target=\"#accordion0000000012\">\n        <span class=\"luna-accordion__title\">Am I protected against card fraud on holiday?<\/span>\n        <svg class=\"luna-icon\" aria-hidden=\"true\">\n          <use xlink:href=\"#chevron-down\" data-accordion-icon=\"show\"><\/use>\n          <use xlink:href=\"#chevron-up\" data-accordion-icon=\"hide\" class=\"is-hidden\"><\/use>\n        <\/svg>\n      <\/button>\n    <\/h4>\n  <\/div>\n  <div class=\"luna-accordion__details collapse\" aria-hidden=\"true\" id=\"accordion0000000012\" data-accordion=\"details\">\n    <div class=\"accordionContent\">Yes, when you use your debit card overseas, you\u2019ll still be protected against fraud for any unauthorised spending.<\/div>\n  <\/div>\n<\/li><li class=\"luna-accordion\" data-accordion=\"accordion\">\n  <div class=\"luna-accordion__summary\">\n    <h4 class=\"luna-accordion__heading\">\n      <button class=\"luna-accordion__action collapsed\" aria-expanded=\"false\" aria-controls=\"accordion0000000013\" data-toggle=\"collapse\" data-target=\"#accordion0000000013\">\n        <span class=\"luna-accordion__title\">Can I get a replacement card if I lose my card when overseas?<\/span>\n        <svg class=\"luna-icon\" aria-hidden=\"true\">\n          <use xlink:href=\"#chevron-down\" data-accordion-icon=\"show\"><\/use>\n          <use xlink:href=\"#chevron-up\" data-accordion-icon=\"hide\" class=\"is-hidden\"><\/use>\n        <\/svg>\n      <\/button>\n    <\/h4>\n  <\/div>\n  <div class=\"luna-accordion__details collapse\" aria-hidden=\"true\" id=\"accordion0000000013\" data-accordion=\"details\">\n    <div class=\"accordionContent\"><span>Yes you can. Both Visa and Mastercard offer overseas debit card replacements<\/span><span>.<\/span><\/div>\n  <\/div>\n<\/li><li class=\"luna-accordion\" data-accordion=\"accordion\">\n  <div class=\"luna-accordion__summary\">\n    <h4 class=\"luna-accordion__heading\">\n      <button class=\"luna-accordion__action collapsed\" aria-expanded=\"false\" aria-controls=\"accordion0000000014\" data-toggle=\"collapse\" data-target=\"#accordion0000000014\">\n        <span class=\"luna-accordion__title\">How can I know if my bank will charge fees for spending abroad on my card?<\/span>\n        <svg class=\"luna-icon\" aria-hidden=\"true\">\n          <use xlink:href=\"#chevron-down\" data-accordion-icon=\"show\"><\/use>\n          <use xlink:href=\"#chevron-up\" data-accordion-icon=\"hide\" class=\"is-hidden\"><\/use>\n        <\/svg>\n      <\/button>\n    <\/h4>\n  <\/div>\n  <div class=\"luna-accordion__details collapse\" aria-hidden=\"true\" id=\"accordion0000000014\" data-accordion=\"details\">\n    <div class=\"accordionContent\"><span>Your bank will need to tell you how much it will charge in fees for overseas spending. The easiest way of finding this out is to check the terms and conditions associated with your account with the documents that accompanied your credit or debit card, or on your bank\u2019s website<\/span><\/div>\n  <\/div>\n<\/li><li class=\"luna-accordion\" data-accordion=\"accordion\">\n  <div class=\"luna-accordion__summary\">\n    <h4 class=\"luna-accordion__heading\">\n      <button class=\"luna-accordion__action collapsed\" aria-expanded=\"false\" aria-controls=\"accordion0000000015\" data-toggle=\"collapse\" data-target=\"#accordion0000000015\">\n        <span class=\"luna-accordion__title\">What should I do if I'm offered the chance to pay for something in pounds on my card when I'm abroad?<\/span>\n        <svg class=\"luna-icon\" aria-hidden=\"true\">\n          <use xlink:href=\"#chevron-down\" data-accordion-icon=\"show\"><\/use>\n          <use xlink:href=\"#chevron-up\" data-accordion-icon=\"hide\" class=\"is-hidden\"><\/use>\n        <\/svg>\n      <\/button>\n    <\/h4>\n  <\/div>\n  <div class=\"luna-accordion__details collapse\" aria-hidden=\"true\" id=\"accordion0000000015\" data-accordion=\"details\">\n    <div class=\"accordionContent\"><span>As a general rule of thumb it\u2019s best to pay in the local currency wherever you travel<\/span><span>. Some shops\u2019 or restaurants\u2019 card terminals may offer you the choice to pay in Sterling, but it is difficult to know what exchange rates these terminals will use to convert your pounds into the local currency. This means you may end up paying a fair amount more than you would have by paying in local currency via your Visa or Mastercard.<\/span><\/div>\n  <\/div>\n<\/li><\/ul><div id=\"sources\" style=\"position: relative;\"><h3 style=\"position: absolute; width: 1px; height: 1px; padding: 0; margin: -1px; overflow: hidden; clip: rect(0,0,0,0); white-space: nowrap; border: 0;\">Sources<\/h3>\n<div id=\"lazy0000000000\"><\/div>\n<script type=\"application\/json\" id=\"lazyloaded-assets-json-lazy0000000000\" class=\"lazyloaded-assets-json\">{\"critical-scripts\":[],\"scripts\":[\"https:\\\/\\\/www.finder.com\\\/parent-theme\\\/shortcodes\\\/article-source\\\/prod\\\/article-source.de087a0da9824e407767.js\"],\"styles\":[\"https:\\\/\\\/www.finder.com\\\/parent-theme\\\/shortcodes\\\/article-source\\\/prod\\\/article-source.87684078d471e76125dd.css\"]}<\/script><\/div><article class=\"luna-card luna-card--alt\"><div class=\"luna-card__block has-padding-small\">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 <a href=\"https:\/\/www.finder.com\/uk\/terms-of-use\" class=\"fin-text-navy\">terms of use<\/a>. 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. Most of the data in Finder's comparison tables is provided by Defaqto. In other cases, Finder has sourced data directly from providers.<\/div><\/article>","protected":false},"excerpt":{"rendered":"<p>Planning a trip abroad? Make sure you have a travel money card and app set up and ready to use abroad. Check out our guide to find the best one for you!<\/p>\n","protected":false},"author":1329,"featured_media":134343,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"apple_news_api_created_at":"","apple_news_api_id":"","apple_news_api_modified_at":"","apple_news_api_revision":"","apple_news_api_share_url":"","apple_news_cover_media_provider":"image","apple_news_coverimage":0,"apple_news_coverimage_caption":"","apple_news_cover_video_id":0,"apple_news_cover_video_url":"","apple_news_cover_embedwebvideo_url":"","apple_news_is_hidden":"","apple_news_is_paid":"","apple_news_is_preview":"","apple_news_is_sponsored":"","apple_news_maturity_rating":"","apple_news_metadata":"\"\"","apple_news_pullquote":"","apple_news_pullquote_position":"","apple_news_slug":"","apple_news_sections":[],"apple_news_suppress_video_url":false,"apple_news_use_image_component":false,"footnotes":""},"categories":[3319],"tags":[],"asset_tag":[],"class_list":["post-133089","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-digital-banking"],"apple_news_notices":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v24.9 (Yoast SEO v24.9) - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Best banks &amp; debit cards for travelling | \u00a320 welcome bonus<\/title>\n<meta name=\"description\" content=\"Discover the best bank accounts and apps for travelling. 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