Compare Travel Money Cards in Netherlands

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What are travel money cards in the Netherlands?

Travel money cards are prepaid or multi-currency debit cards designed for spending abroad with low or no foreign-exchange fees. Rather than paying your bank's markup on card use overseas, you hold or convert currencies at near-interbank rates and spend via card or app. For Dutch travellers heading outside the eurozone, they can be a cheaper, more controlled way to pay than a standard bank card.

How the Dutch market works

Within the eurozone a normal Dutch debit card already spends at par, so travel money cards add most value for non-euro destinations — the UK, US, Asia and beyond. The market is led by app-based fintechs offering multi-currency accounts and cards, plus prepaid specialists. Many Dutch consumers already hold a Revolut, N26 or bunq account, giving them a travel-friendly card without a separate product.

Benefits

Low FX fees — Spend abroad at rates far closer to interbank than a typical bank card.

Budget control — Prepaid cards cap spending and separate holiday money from your main account.

Multi-currency wallets — Hold and switch between currencies, locking in rates before you travel.

Security — Freeze the card instantly in-app and limit exposure if it is lost or stolen.

Backup payment method — Carrying a travel card alongside your main bank card protects you if one is blocked abroad.

How to choose

Check the exchange-rate model — some cards use the real interbank rate on weekdays but add a weekend markup — and any monthly or top-up fees, ATM-withdrawal limits and inactivity charges. Decide between a prepaid card (strict budgeting) and a full multi-currency account. If you already bank with a fintech offering fee-free foreign spending, a separate card may be unnecessary.

Leading providers in the Netherlands

Revolut and N26 are the most widely used multi-currency card providers among Dutch travellers, with bunq also offering low-cost foreign spending. Specialists such as Caxton, Curve, CurrencyFair and Moneycorp provide prepaid or multi-currency travel cards. The best pick depends on your destinations, how much you withdraw as cash, and whether you want a standalone card or a full account. Many Dutch travellers already hold one of these accounts, so the practical question is often whether the card they have already covers their trip fee-free.

What it costs

Many travel money cards are free to obtain and to spend with on weekdays, but costs range up to around €16.90 per month for premium tiers with higher limits and perks. Watch for ATM-withdrawal fees above a monthly free allowance, weekend FX markups and top-up charges. For occasional travellers, a free tier is usually sufficient, while frequent long-haul travellers may recoup a premium plan's fee through higher fee-free ATM and exchange limits. Prepaid cards suit strict budgeting because you can only spend what you load, whereas a full multi-currency account doubles as an everyday card. Check whether cash withdrawals abroad carry a separate charge beyond the free monthly allowance.

Protections and regulation

Providers must be authorised as e-money or payment institutions and are supervised under PSD2 by De Nederlandsche Bank (DNB) and the AFM, or by their home-state regulator when passporting into the Netherlands. Customer funds on prepaid and e-money cards are safeguarded rather than covered by the DGS deposit guarantee — an important distinction from a bank current account.

Common questions

Do I need a travel card in the eurozone? No — a standard Dutch card spends at par in euros; travel cards help mainly outside the eurozone.

Is my money DGS-protected? No — e-money balances are safeguarded, not covered by the €100,000 bank deposit guarantee.

Are weekend exchange rates worse? Some providers add a markup at weekends when markets are closed, so top up on a weekday if possible.

Travel Money Cards in Netherlands — FAQ