Send money worldwide Wise
£1 /month
- Data: 1 GB
- Provider: Wise
Compare Travel Money Cards in United Kingdom
Live offers across tracked providers in United Kingdom — updated daily from the Giraffy database.
Live offers
25 live offers compared from 21 providers, from £1 /month. Updated daily.
Do more with Wise in the UK Wise
£1 /month
- Data: 1 GB
- Provider: Wise
3.25% Wise
£1 /month
- Data: 1 GB
- Provider: Wise
Barclays Travel Card Barclays
Price on request
Revolut Card UK Revolut
Price on request
- Monthly Fee: £0 (Standard)
- FX Fee: 0% weekdays up to £1,000/month; 0.5% weekends
- ATM Limit: £200/month free then 2%
- Key Feature: Instant-to-Revolut transfers; spend analytics; disposable virtual cards
Starling Travel Card UK Starling Bank
Price on request
- Monthly Fee: £0
- FX Fee: 0%
- ATM Limit: £300/day abroad
- Key Feature: No FX fees ever; FSCS protected current account; real-time notifications
Caxton Card UK Caxton
Price on request
- Monthly Fee: £0
- FX Fee: 0% on pre-loaded currencies; ~0.5% spot rate
- ATM Limit: £500/day
- Key Feature: Lock in exchange rates before you travel; companion cards; 24/7 support
Currensea Card UK Currensea
Price on request
- Monthly Fee: £0 (Essential)
- FX Fee: 0% on Essential (up to £500/month); 0.5% after
- ATM Limit: £500/day
- Key Feature: Links to existing bank account; no need to top up a separate wallet; FCA authorised
Monzo Travel Card Monzo
Price on request
- Monthly Fee: Free
- FX Fee: 0% FX fee
- ATM Limit: £200/day ATM
- Key Feature: Spending notifications
Chase Travel Card Chase
Price on request
- Monthly Fee: Free
- FX Fee: 0% FX fee
- ATM Limit: £500/day ATM
- Key Feature: 1% cashback on all spend
Virgin Money Travel Card Virgin Money
Price on request
- Monthly Fee: Free
- FX Fee: 0% FX fee
- ATM Limit: £500/day ATM
- Key Feature: Virgin Points rewards
Zing Travel Card Zing
Price on request
- Monthly Fee: Free
- FX Fee: 0% FX fee
- ATM Limit: £500/day ATM
- Key Feature: HSBC-backed; 30+ currencies
FairFX Travel Card FairFX
Price on request
- Monthly Fee: Free
- FX Fee: 1–2% FX fee
- ATM Limit: £300/day ATM
- Key Feature: Freeze card in app
eurochange Card eurochange
Price on request
- Monthly Fee: £9.95 card fee
- FX Fee: 0–2% FX fee
- ATM Limit: £300/day ATM
- Key Feature: Bureau de change rates
Thomas Cook Money Thomas Cook Money
Price on request
- Monthly Fee: Free
- FX Fee: 0–2% FX fee
- ATM Limit: £250/day ATM
- Key Feature: 15 currencies preloaded
Post Office Money Card Post Office Travel Money
Price on request
- Monthly Fee: Free
- FX Fee: 0–2% FX fee
- ATM Limit: £300/day ATM
- Key Feature: Available in-branch
Travel Money Club Travel Money Club
Price on request
- Monthly Fee: Free (club membership)
- FX Fee: 0.5% FX fee
- ATM Limit: £500/day ATM
- Key Feature: Club exchange rates
Atlas One Card Atlas One
Price on request
- Monthly Fee: Free
- FX Fee: 0% FX fee
- ATM Limit: £200/day ATM
- Key Feature: Business & personal
B4B Multi-currency B4B Payments
Price on request
- Monthly Fee: From £5/mo
- FX Fee: 0–0.5% FX fee
- ATM Limit: £500/day ATM
- Key Feature: Expense management add-on
Travelex Money Card Travelex
Price on request
- Monthly Fee: Free (with purchase)
- FX Fee: 0–2% FX fee
- ATM Limit: £300/day ATM
- Key Feature: In-airport top-up available
NotTheBank Card NotTheBank
Price on request
- Monthly Fee: Free
- FX Fee: 0% FX fee
- ATM Limit: £300/day ATM
- Key Feature: UK challenger brand
Wise Travel Card Wise
Price on request
- Monthly Fee: Free (one card)
- FX Fee: 0.35–2.85%
- ATM Limit: 2 free ATM/mo
- Key Feature: Mid-market exchange rate
iD Travel Money iD Travel Money
Price on request
- Monthly Fee: Free
- FX Fee: 0.5% FX fee
- ATM Limit: £200/day ATM
- Key Feature: iD Mobile bundle benefits
Wise Card UK Wise
Price on request
- Monthly Fee: £0
- FX Fee: 0% (mid-market rate; small conversion fee from 0.43%)
- ATM Limit: £200/month free then 1.75%
- Key Feature: Hold 40+ currencies; instant spend notifications; freeze/unfreeze in-app
Lloyds Bank Travel Money Card Lloyds Bank
Price on request
What are travel money cards in the UK?
A travel money card lets you spend abroad in local currency without the fees and poor exchange rates of a typical UK debit or credit card. They come in two main forms: prepaid cards you load in advance, and multi-currency accounts linked to an app that convert at close to the real market rate when you spend or withdraw.
The appeal is transparency and control: you avoid the non-sterling transaction fees and marked-up exchange rates that many high-street cards apply overseas.
How the UK travel money market works
Most modern options are provided by FCA-authorised e-money institutions rather than banks. You hold balances in multiple currencies, or let the card convert on the spot at the interbank or near-interbank rate, sometimes with a small percentage margin at weekends or above monthly free-usage limits. Fee models differ: some are free to spend but charge for ATM withdrawals above a cap, others add a small conversion fee.
Because these are e-money products, the money is safeguarded rather than FSCS-protected, a key distinction from a bank account.
Leading UK travel card providers
Wise offers multi-currency balances and converts at the mid-market rate with a transparent fee. Revolut and Starling Bank are popular app-based options with fee-free spending abroad within limits. Chase and Monzo appeal for fee-free debit spending overseas. Caxton and Currensea take different approaches, Currensea links directly to your existing bank account to cut its FX fees.
How to choose the right card
Exchange rate — look for the real mid-market rate rather than a marked-up tourist rate.
ATM limits — check the monthly fee-free withdrawal cap.
Weekend margins — some add a small surcharge on currency conversion at weekends.
Multi-currency — useful if you visit several countries or hold foreign income.
What it costs
Many cards are free to obtain and free to spend abroad up to generous limits, with typical conversion margins around 1% where they apply, and small percentage fees on ATM withdrawals over a monthly cap. The savings against a standard card charging non-sterling fees of roughly 3% can be substantial on a two-week holiday.
Protections and regulation
Providers are authorised and regulated by the Financial Conduct Authority (FCA) as e-money institutions or banks. E-money firms must safeguard customer funds in segregated accounts, but these balances are not covered by the FSCS, so they are best used for spending money rather than large long-term savings. Chip-and-PIN and app freeze/unfreeze features add practical security.
Common questions
Prepaid or multi-currency? Multi-currency accounts usually offer better rates and flexibility than fixed prepaid cards.
Are they FSCS-protected? Most e-money cards are safeguarded, not FSCS-covered; a bank like Starling or Chase differs.
Should I pay in local currency? Yes, always decline dynamic currency conversion and pay in the local currency.
Can I use them online too? Yes, multi-currency accounts work for online purchases in foreign currencies, avoiding the non-sterling fees a standard UK card would add.
What if the card is lost abroad? App-based providers let you freeze and unfreeze the card instantly and order a replacement, and holding a backup card is wise.
The cheapest Travel Money Cards in United Kingdom is £1 /month from Wise.
Travel Money Cards in United Kingdom — FAQ
What is the cheapest travel money cards in United Kingdom?
The lowest tracked price on Giraffy is £1 /month across 5 live offers. Compare all plans sorted by price.
How many providers cover travel money cards on Giraffy in United Kingdom?
Giraffy tracks 5 live offers across Wise,Barclays,Revolut providers in United Kingdom.
How often are compare prices updated?
Offer data is refreshed daily from the Giraffy database. Each compare page shows when data was last checked.
Can providers pay to rank higher?
No. Giraffy does not sell ranking placement. Results reflect your filters and sort order — default is lowest price.