I'm going abroad
Pay abroad without losing money to fees.
Most regular bank cards charge 2-3% on every payment abroad, plus a fee at the ATM. That adds up — €50-100 on a typical 2-week trip. Here's how to skip it.
Quick check
What's your trip?
Top picks for you
Each pick shows what you get, what you'd save, and the catch — so you can decide without reading the small print.
1. · OUR PICK FOR MOST TRIPS
Revolut Standard
What it gives you
- Pay in any currency with no extra fee, up to €1,000/week
- Free €200/month from any ATM worldwide
- No monthly fee — the basic card is free
- Works in 150+ currencies, instant in-app exchange
The catch
Above €1,000/week, they charge 1% on the exchange. On weekends the markup is 1% on exotic currencies even below the limit. For a 2-week trip at €1,500 spend you'll brush the limit.
2. · BEST FOR HEAVY SPENDING
Wise Travel Card
What it gives you
- Hold and spend 40+ currencies with no weekly cap
- FX 0.35-2% depending on the currency pair — always shown upfront
- Free £200/month at ATMs (about €230)
- No monthly fee, no signup fee
The catch
The headline FX rate beats Revolut on exotic currencies but loses on major pairs over the €1,000 weekly limit. Best when you're spending big and Wise has the cheaper rate for your pair on the day.
3. · USE YOUR EXISTING CARDS
Curve Pay
What it gives you
- Connects all your existing cards into one swipe
- 0% FX on weekdays up to £250/month
- Smart-routing picks the best card for each currency
The catch
The free-tier limit dropped from £500 to £250/month in Dec 2025. Above that, FX is 1-1.5% (still cheaper than most banks). Weekend transactions are billed at the Monday rate.
Why these
These three sit at the top because they charge nothing for the typical European traveller spending €500-€1,500 over 1-2 weeks. We checked their published FX rates against the major-bank average (Santander, BNP, Deutsche, ING) on May 25, 2026 — the gap is between €30 and €80 per trip. Above €2,500 spend, Wise pulls ahead on most pairs because the weekly cap stops being a constraint. None of these cards pays Payn a commission — they win on the numbers.