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We think Revolut is the perfect travel card if you are from the US, UK, or EU because it is an easy spending wallet for all types of use cases.

François is a founder and expert on money transfer, helping users navigate a forest of money transfer fees, fraudulent interest rates and fraud for the past six years.

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As a writer and magazine editor, Jarrod is passionate about helping people apply today’s powerful banking technologies to their lives. She shares her experience in international affairs and her experience while living in Japan to provide readers with comprehensive information that also takes into account the local context.

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From multiple bank and ATM fees to hidden money transfer fees, there is no shortage of expensive business to travel abroad without talking about the value of the holiday!

When you are preparing for a trip abroad, the golden rule is to save big money by using your local currency. This means accessing local currencies through ATMs and using a credit card will access local currencies. For example, when using a British bank credit card to access your British pounds, you lose money by secret payments at ATMs and local merchants.

If you can’t spend money in your local currency when you go abroad, then spend money in your national currency when using a card there is no hidden surcharge on your bank’s exchange rate (e.g., simply paying Visa or Mastercard exchange rates. for currency changes).) it’s still good for most people.

In this guide, we’ll look at cards that don’t charge or reduce ATM fees and support multiple currencies. Prepare your holidays like a local and enjoy peace of mind after all the cities and swipe.

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All in all, we think Revolut is the best all-in-one travel card for general use because it can be used all-in-one with its card to spend money like local almost in all parts of the world. However, if you are from the EU, UK, or US, here are some specific guidelines to check:

Withdrawing money from an ATM on the streets of Paris? Transferring money at Gatwick airport? Pay by card for pizza while on holiday in Milan? Every time you transfer money, you may lose between 2% and 20% of the money you transfer for hidden fees. Read this guide to make sure you know and avoid it.

You will often be charged a hidden fee in the form of a bad credit fee. As always, there’s what’s called the “average retail price” – this is the actual retail price you’ll find on Google.

However, the money transfer provider or bank you use to transfer money is less likely to offer you this payment rate. However, you will get the worst price tag. They determine this difference between the fixed rate and the negative interest rate they use, which allows the bank or lending provider to benefit from the interest rate.

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That is, you or your recipient will receive less foreign currency for each currency unit you transfer. In all cases, the provider will claim free or no charge.

So the question now is how can you avoid them? Luckily, the best travel cards allow you to save local money that you can access with a tap or swipe. By keeping your local currency, you avoid exchange rate fluctuations for each purchase.

After researching and researching the best travel cards offered by some of the most popular neobanks, we have found that Wise, Revolut, N26 and Monese are some of the best in the industry. Here we take a look at their products and services and compare them to other options such as the Travelex Credit Card.

Revolut is one of the most popular neobanks in the world because it offers services in Europe, America, Asia and Oceania.

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Like Wise, Revolut converts your money into the local currency of your trip at the average market rate. However, they set a limit for free benefits.

Their standard plan alone allows you to transfer £ 1,000 per month for free. ATM withdrawals are also free for the first 200 euros. These funds can be canceled by renewing your membership.

One of the most popular neobanks in Europe, N26 and its credit card only works in euros. However, the N26 is a Wise partner and fully incorporates Wise technology, so you don’t have to pay an additional transaction fee for purchases outside the Eurozone. While the N26 does not have multi-currency functionality, the N26 applies a fixed price tag to all your overseas purchases and never charges a fee, making the N26 card a powerful card for EU/EEA residents traveling in the world.

This low cost banking option is also ideal for travelers from European banks but traveling to the Eurozone. For example, the N26 is available to residents and citizens of Switzerland, Norway and other countries of the European Economic Area who do not use the euro.

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These citizens, who are close to the euro zone, save every time they spend money with an N26 card in Europe. N26 offers three free ATM withdrawals per month in EUR, but charges a 1.7% fee for ATM withdrawals outside Europe.

Unlike banks, credit unions, airport kiosks, and ATMs of any kind, Wise is open for not paying a hidden fee token when you change your local currency to 54 coins. The current rate you see on Google or XE.com is what you get with Wise.

Monese recommends for UK or EU residents who invest heavily in British Pounds, Euros and Romanian Lei, as these currencies will reduce the cost of spending.

With its £ 1.95 per month Extreme Plan, you can spend your British pounds overseas with 0.5% on each transaction fee. On the Money Plan, at £ 14.95 per month, you can spend money overseas for free, including ATM withdrawals.

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Another option is to convert your local currency to Pounds, Euros, or Lei (for trips to the UK, Eurozone, or Romania). For example, if you pay your UK bank account with cash balances, you can transfer it to your euro or lei bank at no additional cost. This is a great addition to Wise, it costs less every time you transfer money from one wallet to another.

Below you will find a brief explanation of the steps to follow if there is a problem with each card:

N26 has a banking license administered by the German Monetary Authority and is a member of the German monetary protection scheme, which guarantees all deposits up to € 100,000 located in member countries of the European Union. Consumers with a UK bank will be protected according to the size of the cash balance.

Financial checking accounts are not protected by FSCS protection (which guarantees deposits up to £ 85,000). But Monese is a customer of PrePay Technologies Limited, which holds an electronic payment processing license (number 900010). Customers ’accounts will be separated from Monese’s own accounts, and their customers will receive 100% of the remaining balance if Monese goes bankrupt.

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Revolut’s customers ’funds are not validated by the Financial Services Scheme (FSCS) in the UK. However, as an FCA-certified e-money company in the UK, Revolut separates its customers ’funds from itself, and if it fails, you can claim a full refund. . However, if Barclays/Loyd’s does not guarantee (where Revolut keeps your money), the money will not be guaranteed.

Your Cash Account balance is not validated by the Financial Services Scheme (FSCS) in the UK. But as an e-money company, Wise is a legal mandate to keep your money safe and separate from your own wallets. Of course, if Wise goes bankrupt, it won’t affect your money and it will all be returned to you. However, if Barclays goes bankrupt (where TransferWise keeps money from UK and European customers) goes bankrupt, your money will not be returned.

If you lose your smartphone, you can still manage your wallet using the N26 web interface. First you will need to disconnect your old smartphone from your wallet by talking to support so you can connect your new smartphone to your wallet.

You can access your Monese wallet from one device at a time. To register a new smartphone with your account: Download the app to your new phone. Sign in with your email address. Confirm your new smartphone with the email you received.

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If you lose your phone, your Revolut card will still work. However, you need to install the app on your new smartphone, enter your phone number and select “I haven’t received a code yet” to speak to a support vendor (because you won’t receive a confirmation SMS). ). Because Revolut customer accounts cannot be managed

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