BEST UK Travel Cards in 2023: Credit & Debit Cards WITH NO HIDDEN FEES!

[@acmramon]

Just got an email saying that from 28 June First direct doesn’t charge any fees when spending abroad!!! This is good news for some people that trust only major banks (first direct is part of Hsbc). Ty

[@Monitodotcom]

You also get a £500 daily ATM withdrawal limit, that combined with no fixed fees and Mastercard's FX rates is great! The only issue I have with them is their app, I think they're still miles behind the likes of Monzo & Starling in terms of app functionality and usability. Certainly a good choice though for anyone that's skeptical of challenger banks. Thanks for sharing. ^Jonny

[@GiovanniMazzeo-r1n]

Thanks for your advice,i have applied for a currensea card for travel abroad,my Lloyds debit card was charging me alot and most petrol stations abroad prefer cashless payment for petrol and electric charging.On a motorbike the charges mount up because i have to stop alot!

[@Monitodotcom]

Nice, I know you won't regret it, Currensea's basic plan has pretty decent exchange rates, just keep an eye on the ATM withdrawal limits. Can I ask out of curiosity, which bank are you layering the Currensea card on top of? ^Jonny

[@GiovanniMazzeo-r1n]

I am with LLOYDS BANK they seem to charge alot when I use my debit card abroad so I have to use cash when possible.I hope the currensea card will give me a better deal when paying for petrol etc.

[@Monitodotcom]

@@GiovanniMazzeo-r1n yes you'll get a far better deal, specifically a much more favourable exchange rate.

[@GiovanniMazzeo-r1n]

​@@MonitodotcomOk thanks.

[@usmantariq1228]

Hi Jonny I am going to travel to Pakistan next month. I have a few questions 1- Which travel card would you recommend 2- Will that card work in any ATM machine which has mastercard or visa transactions? 3- Is there any fee for opening that account? Also do i need to pay some fee to send money from my main account to that account e.g Chase or Sterling? Thanks Usman

[@Monitodotcom]

As you're based in the UK I would look and going with Starling Bank. There is no fee for opening an account, you'll get up to £300 per day of fee-free ATM withdrawals and Mastercard's FX rates on transactions. You won't have to pay a fee to deposit GBP into the account, and you're probably better off just depositing as much as you think you'll need for the trip. Let me know if you have any further questions, and please consider using our affiliate link (bit.ly/3rfoFag) if you do decide to open a Starling account. ^Jonny

[@usmantariq1228]

@@Monitodotcom Hi again I was trying to find on sterling website the exchange rate from Pound to Pakistani Rupees on sterling website but I can’t find it? Does this means I can’t use my card there?

[@martinpickard5818]

The currensea card sounds good.Only travel abroad a few times a year,Iceland being a fav.This card sounds good….would you recommend this for casual travelers abroad? Many thanks.

[@Monitodotcom]

Hey Martin, for sure - it's great for infrequent travellers, especially if you're not going to withdraw a lot of foreign cash, which you shouldn't need to in Iceland. You will be getting Mastercard's FX rates which are good, just remember when you go to pay for something, if you're prompted, always select to pay in the local currency. Let me know if you have any questions. ^Jonny

[@martinpickard5818]

@@Monitodotcom thank you Jonny….much appreciated.😀

[@OfficialBigBoyBruce]

Hi Sir - Monzo or Starling - ? I would be mostly using the card in the shops and not taking money out like Hotel. Super confused i’m not tech savy and like easy to use app.

[@Monitodotcom]

Hey! Both are going to be pretty much the same for what you're looking for, I think you may find the Starling Bank app easier to use as it has less features than Monzo. ^Jonny

[@anstapol]

Nice video! Probably not related to this one but I wanted to ask whether you know a good app to track all expenses in one place.

[@aureliacatherine219]

Hi, i just want to clarify, isn’t the revolut card is now a debit card and not prepaid debit card, is it? I think they change some regulation once they got the banking license? And if so, what the difference between debit card and prepaid debit card?

[@Monitodotcom]

Referring to it as a prepaid card is really just a formality because Revolut isn't a licensed bank. But really, Revolut gives you a debit card, it is no different to what you get with a regular bank. IF you're based in the EEA then they are licensed as a bank, but in the UK they're not. ^Jonny

[@Sarah-hk1uv]

hey what do you think of the post office debit travel card? is it worth it for america ?

[@Tommy2x93]

Super bloody helpful. Thank you

[@Monitodotcom]

No problem 👍 ^Jonny

[@DA-sw7tp]

What card would be better for traveling abroad revoult or chase and safety

[@Monitodotcom]

Are you from the UK? ^Jonny

[@DA-sw7tp]

Yeah in the uk its just a card for only travel

[@Monitodotcom]

Definitely consider Chase (go.monito.com/chase-uk?lng=en)! They use Mastercard's FX rates, no ATM withdrawal fees and even have cashb ack on international transactions. ^Jonny

[@thetruth6992]

Hi,does starling card holds multiple currency like revolut?? Thanks

[@Monitodotcom]

The Starling card does have an EUR account so you could receive and hold euros but that's it. ^Jonny

[@thetruth6992]

@@Monitodotcom thanks mate, I'm between revolut and Wise Card,

[@Monitodotcom]

You're based in the UK?

[@thetruth6992]

@@Monitodotcom yes UK, going to travel to turkey by road soon, need a card to pay for fuel, hotels, food n tolls on the way.

[@Monitodotcom]

I'd recommend just getting a Revolut card. You can load it up with Turkish Lira, and you'll also get £1,000 of fee-free currency exchange which should cover a lot if not all of your spending in Turkey. The card and account are free and all you'll have to do is deposit pounds and exchange them for Lira. Just make sure to exchange during the week and you'll get fee-free currency exchange. If you use our link (bit.ly/43B1WTB) you can also get 3 months of Premium for free, which has unlimited fee-free currency exchange. Hope that helps, let me know if you have any further questions. ^Jonny

[@TonyKeepingItClean]

Nice video Jonny, thank you. I travel to south east Asia a lot, where cash is king, so it’s a good idea to have several of these accounts, so you are less likely to exceed the withdrawal limit.

[@Monitodotcom]

That's a great point Tony! Thanks for sharing. ^J

[@leeedwards9189]

Daughter is heading to greece on a working holiday which card do you recommend been looking at either starling, revoulut, monzo,chase,

[@Monitodotcom]

Hey Lee. Quick check, are you based in the Uk? ^Jonny

[@leeedwards9189]

Hi mate yes

[@Monitodotcom]

I'm going to suggest Chase UK. It's a simple account that's easy to setup, and if she isn't 18 yet then you could even set it up in your name and just give her access. The account uses Mastercard's FX rates which are more or less the real mid-market rate so she'll get a great exchange rate AND she can withdraw up to £1,500 internationally for free. I think that's your best shout. You just need to remind her to select to pay in the local currency when withdrawing money and paying for things at the card machine. That way she'll receive Chase UK's exchange rates. I have a Short explaining why this is important here: kzbin.infoZzsbJySF4Ww - It might be worth asking her to watch it. We also have an affiliate link for Chase (go.monito.com/chase-uk?lng=en) so if you do go for them please do consider using it to sign-up. Thank you Lee and let me know if you have any further questions. ^Jonny

[@eprohoda]

good day-outstanding travel.

[@Monitodotcom]

Many thanks! ^J

[@BoardsportsGroup]

OMG I just checked the conditions of the T&C of the interest account... can you clarify? if you use the interest account, you can only ever withdrw is "97%" ? WISE WILL keep 3%. its in the terms and conditions "1. If you add or receive money, we'll invest it in the fund we’ve chosen. 2. If you spend, or send, money we'll sell some of your investment. 3. You can only take out up to *97% of your Balance or Jar" So... in theory all the money you earned in the interest account, can be taken and wiped out by that 3% and then some? does this happen when you switch the account from 'Interest' to 'Cash?'

[@Monitodotcom]

Hey mate. I'm going to make a full video on WISE Interest soon so I'll go through the T&Cs in full detail. But yes you can access 97% of your money at any time and the other 3% will take roughly 2 days to access as they have to withdraw your money from the fund, basically changing it back to cash. I don't see your money being wiped out unless the valuation of your investment, fund or balance goes negative. I have my own money invested in WISE Interest as a means of testing it for a video and at some point I'll remove it and see what happens to my investment. ^Jonny

[@BoardsportsGroup]

@@Monitodotcom 🥰 Thank you - would appreciate it 🥰

[@BoardsportsGroup]

Countries with closed currencies like India, West Indies etc will have you NEEDING to use foreign ATM's and some will charge a fortune in fees in tourist area's 😞

[@Monitodotcom]

In terms of those types of areas, I did recently come back from Mauritius and I actually managed to withdraw cash fee-free from a local bank branch while I was there.. Of course this won't be the same everywhere 😔

[@kayzo4343]

Hi, just to double check. Does Chase charge for foreign ATM withdrawals? If so, are there any debit cards that don’t?

[@Monitodotcom]

No Chase does not charge you for foreign ATM withdrawals, you get a maximum limit of £1500/month (foreign withdrawals) and they use Mastercard's FX rates to handle the currency exchange. Obviously some ATM's do charge you to withdraw money but Chase UK does not. ^Jonny

[@kayzo4343]

@@Monitodotcom perfect, thank you for your quick and helpful answers as always