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What to know about prepaid travel credit cards

Prepaid travel cards are one more way to access cash while traveling the globe

Published: December 15, 2022

Author: Allie Johnson

Author: Dan Rafter

Editor: Brady Porche

Reviewer: Kaitlyn Tang

How we Choose

Prepaid travel cards can make it easy to access cash while you’re traveling abroad, but remember that convenience comes with limitations.

The content on this page is accurate as of the posting date; however, some of our partner offers may have expired. Please review our list of best credit cards , or use our CardMatch™ tool to find cards matched to your needs.

Finally ready to take your next international trip? Whether it’s a business meeting in Brussels or a foodie’s tour of Florence, you might consider packing a prepaid travel card for your trip.

Prepaid travel cards let you access cash in your destination’s local currency without the risk of using your debit card. They also let you avoid the high fees of credit card cash advances or the hassles of scrounging up traveler’s checks before you depart.

But, be careful — despite the convenience of prepaid travel cards, they come with their own set of fees and limitations (most notably ATM withdrawal and purchase amount caps that could put a damper on your vacation).

“A prepaid travel card is one tool in a diverse travel wallet,” said Julie Hall, internal communications manager for Hilton Grand Vacations and former public relations manager for AAA, in a previous interview. “It’s one of the most convenient ways to get money while traveling.”

Let’s take a look at everything you need to know about prepaid travel cards — from how they work to the pros and cons of using them for your travels.

• How do prepaid travel cards work?

Prepaid travel cards work much like general-purpose prepaid cards, except that they typically offer special features and perks designed for travel — which can vary based on the issuing bank.

In general, to use a prepaid travel card, you purchase the card and simultaneously load it with the funds you want to spend on your trip, up to the maximum amount allowed on the card. (For example, the PayPal Prepaid Mastercard® , a general prepaid card, allows a maximum balance of $15,000.)

Once you’ve arrived at your destination, you can use your prepaid card to make purchases directly (much like you would with a debit card). You can also use it at an ATM to get cash in that destination’s currency.

Depending on the card issuer, you’ll be able to log in to a mobile app or your online account to check the balance, review your purchases and see any any account charges.

• What are the benefits of a prepaid travel card?

Why not just take cash, your credit cards and your debit card the next time you travel to an international destination? Why would you also take a prepaid credit card?

If you lose your card, thieves only have access to the loaded cash

If a thief gains access to your prepaid card abroad, they’ll only have access to whatever funds are loaded onto the card (unlike debit cards, which can provide thieves access to your bank account, or credit cards, which a thief can charge up to a certain limit).

Further, the network through which a prepaid card is offered may provide a zero liability policy , though, overall, prepaid cards don’t offer the same breadth of protections as debit and credit cards (think chargebacks and fraud alerts).

More convenient than traveler’s checks

Prepaid travel cards also provide more convenience than, say, traveler’s checks (which, yes, still exist). Getting traveler’s checks before you go can be a hassle, and you might also be surprised at how many retailers across the globe no longer accept them. As a result, prepaid cards are often a better option than these paper checks.

• What are the drawbacks of a prepaid travel card?

Like most financial products, prepaid travel cards come with pros and cons. Here are some of the drawbacks of using one:

Foreign transaction fees, among others

Travelers should be wary of the fees connected to prepaid cards, as they can add up to a lot of money during an international trip. Many prepaid cards carry foreign transaction fees. Today, it’s far easier to find credit cards with no foreign transaction fees than to find prepaid cards without them.

Further, prepaid travel cards may also charge a card purchase fee, ATM withdrawal fee, higher foreign ATM withdrawal fee, inactivity fee and a fee to get any remaining balance back by check.

No help for your credit score

If you charge restaurant meals, souvenirs and tickets to a traditional credit card and pay your bill on time, your three-digit credit score will receive a boost. This doesn’t happen with purchases you make with prepaid travel cards, because your prepaid card activity isn’t reported to the national credit bureaus .

If you don’t keep track, you could run out of funds

If you’re used to swiping a credit card without much thought, there’s a chance a prepaid card could leave you high and dry when you go to make a purchase. Just be sure to keep tabs on the amount of money you’ve loaded — and spent — on your card.

Prepaid travel card tips

Prepaid travel cards do come with some potential hurdles. Here are some tips for avoiding the most common downsides of these cards:

• Check the fees associated with your card (or potential card): Prepaid cards can charge fees that existing debit and credit card holders aren’t used to, so it’s important to read the fine print before swiping. For example, the Netspend® Visa® Prepaid Card charges a $5.95 inactivity fee per month after the card has been idle for 90 days.
• Verify the card will work at your destination: Double-check with your issuer that your prepaid card will be accepted where you’re traveling. Even a card that’s designed for international travel might not work in specific locations due to restrictions from U.S. trade sanctions.
• Know the limits: Prepaid travel cards typically have limits that could throw a wrench into your trip if you don’t understand them ahead of time. For example, some cards can have a daily reload limit as low as $500 (or as high as $7,500, in the case of the Netspend Visa card). Again: Be sure to read through your card’s fine print before embarking.
• Avoid holds at all costs: In a sense, prepaid travel cards work like debit cards. Be sure to avoid using a prepaid travel card to reserve a hotel room or a rental car, which can trigger a hold that could tie up hundreds of dollars of your cash for a week or longer. Instead, use a credit card to reserve these items, then use your prepaid card to pay the final charges.

Should you use a travel credit card instead?

If the drawbacks of a prepaid travel card outweigh the benefits, you might be better off signing up for a travel credit card  or using one you already have as your primary payment method while traveling.

Travel credit cards almost always have zero fraud liability, which can set your mind at ease in the event your card is lost or stolen . They also let you earn rewards for your spending, and many offer purchase and trip protection and have no foreign transaction fees. Some even offer perks such as access to airport lounges where you can get complimentary food and drink. And, depending on your credit limit, you may have more spending power with a credit card than a prepaid card.

That said, they can also have pitfalls. Not all travel credit cards are accepted in all countries. For example, Visa and Mastercard are widely accepted, while American Express and Discover have a smaller international presence. And, depending on your location, some merchants may require chip-and-pin cards or may not accept payment cards at all.

It’s advisable to carry a few different payment methods with you (credit, debit and prepaid) when traveling, along with some local cash. Also, notify your credit card company about your travel plans, lest they flag your card as stolen and cancel it.

Bottom line

A prepaid travel card doesn’t come without downsides, but if you want an easy way to access cash in your destination’s currency — and want a quick way to pay merchants once you arrive at your international destination — the ease of using them might make your trip a less stressful one.

Editorial Disclaimer

The editorial content on this page is based solely on the objective assessment of our writers and is not driven by advertising dollars. It has not been provided or commissioned by the credit card issuers. However, we may receive compensation when you click on links to products from our partners.

Allie Johnson is an award-winning freelance writer covering personal finance, business and lifestyle. She loves tracking down tips, tricks and cautionary tales about credit cards and money.

Dan Rafter has covered personal finance for more than 15 years for publications ranging from The Washington Post and Chicago Tribune to Wise Bread, HSH.com and MoneyRates.com. His work has also appeared online at the Motley Fool, Fox Business, Huffington Post, Christian Science Monitor and Time.

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Are Prepaid Travel Cards a Good Idea?

They can help with budgeting but compare them with other debit and credit card options before you go.

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A prepaid travel card can offer fraud protection, with your liability limited to $50 if you report it within two business days of learning of the theft.

Whether you're planning a trip to Bali or Boston, staying on a budget and keeping your money safe is essential. A prepaid debit card can help.

Prepaid travel cards function similarly to general-purpose prepaid debit cards but offer extra perks that can make your life a little easier when you're abroad. However, they also come with limitations and other drawbacks that may give the casual traveler pause.

What Are Prepaid Travel Cards?

Prepaid travel cards, also sometimes called international prepaid cards, can make spending easier when you're outside the country.

There are two primary types of prepaid travel cards:

Multicurrency prepaid travel cards. These cards allow you to load cash in specific currencies onto your card before you go on your trip, letting you lock in your exchange rate instead of paying the current rate at the ATM or point of sale.

You can then use the card wherever its payment network, such as Visa or Mastercard, is accepted.

You can't load cash with just any currency, though. Even major prepaid cards may be limited to only a handful of currencies. For example, some have only six currencies available: the euro, British pound, Australian dollar, Canadian dollar, Japanese yen and Mexican peso.

General travel prepaid cards. These cards don't differ much from traditional prepaid debit cards. However, they're more likely to offer certain features that can come in handy when you're overseas.

Examples include chip and PIN capability, emergency cash and card replacement, and international ATM use.

Not all prepaid cards have a chip though, and that can be a problem, says Quentin Telep, director of financial services for AAA National. "In many countries, especially in Europe, they've had the chip functionality for many years."

You may have difficulty using a chipless card at unmanned kiosks and other automated payment points.

What Are the Benefits of Having a Prepaid Travel Card?

If you're planning a trip within the U.S., you likely won't need a travel prepaid debit card. But if you're traveling internationally, you may gain some benefits from doing so.

It can help with budgeting. Sticking to your vacation budget can be tough. Traveling is a time to let loose and live a little, and it can be easy to spend more than you originally planned.

"It's a little easier perhaps to overrun the credit card when you're on vacation and you're not really thinking about how much you're spending," says Mike Clark, co-founder of PrepaidCards123, an online tool for comparing prepaid debit cards. "You may want to set aside a specific amount for your spending money while you're on your trip, and people use prepaid cards for that purpose."

You'll be protected from fraud. Prepaid debit cards are required to give cardholders the same level of fraud protection as traditional debit cards.

This means that if someone uses your card without your permission, your liability is limited to $50 if you report it within two business days of learning of the theft.

Some prepaid cards may go above and beyond this standard, providing a zero-liability policy that protects you from losing any money, even if you don't report the theft before charges show up on your account.

Prepaid cards offer a buffer for your accounts. If you're wary about using your debit or credit card on your trip, a prepaid card can help. While all three types of cards offer some level of fraud protection, it might take time to recover.

A thief who gets access to your debit card could do serious damage to your bank account right when you need funds the most. For example, you may not be able to get reimbursed right away, or it may take some time to receive a replacement credit card . If any kind of theft happens with your prepaid card, the stakes are much lower.

What Are the Disadvantages of Using a Prepaid Travel Card?

While prepaid travel cards can have their perks, watch out for some potential pitfalls, too.

They can cost more. General prepaid debit cards typically charge foreign transaction fees on purchases made in a foreign currency. And though many travel credit cards waive that fee, prepaid travel cards don't. That means you may be paying 3% on top of every purchase you make on your trip.

Even if you exchange your currency before you go with a multicurrency card, you can expect to pay a premium. For example, you may pay a fee of 5.5% to exchange U.S. dollars to an available currency.

Prepaid travel cards could be a more expensive option than other methods of obtaining foreign currency, such as withdrawing cash from an ATM at your destination. "The exchange rate is not nearly as favorable as you would even have if you prepurchase currency at a bank," says Clark.

And if you don't use all the money on the card, you may be subject to a fee to get a refund of your remaining balance.

Prepaid travel cards can also come with other costs, such as fees to load money onto the account, inactivity fees, ATM fees and even a fee to set up your account.

They don't provide rewards or perks. If you're a disciplined spender and can stick to your budget while traveling, a travel rewards credit card may give you a lot more value than a prepaid travel card. Not only do most travel credit cards charge no foreign transaction fees, but you could get access to rewards and other perks such as statement credits for select travel-related expenses, travel insurance protections , complimentary airport lounge access and more.

Most benefits aren't unique. There are some clear benefits of using a prepaid travel card when you're out of the country, but other products could offer the same benefits.

For example, both traditional debit and credit cards offer fraud protection, and you can also avoid debt by using your regular debit card. And while prepaid travel cards come with a built-in limit as to how much you can spend, it's possible to do the same thing with your checking account – you'll just need to make sure your overdraft protection is disabled to avoid nonsufficient funds charges.

You may run into limitations. If you're hoping to get a multicurrency card, you'll only be able to use it if you're visiting a country that uses an eligible currency.

"It's kind of limited in terms of the geography where it's viable," says Telep, "and it also is really only suitable for frequent international travelers or people who are on very extended international trips."

Should You Consider Using a Prepaid Travel Card?

Prepaid travel cards may sound appealing because they're geared toward travel use. But they don't always provide more than what you get from using your regular debit card and a travel rewards credit card.

And while a multicurrency prepaid travel card sounds like it can make your life easier, you'll pay a premium to preload the currency of your choice. Credit and debit cards may assess fees, but many of them are easier to avoid than on prepaid card fees.

Some prepaid cards charge high monthly fees, for example, which may feel unnecessary if you're only using it when you travel. If you're thinking about using a prepaid debit card when traveling overseas for the forced budgeting feature, avoid limiting your search to cards that brand themselves as prepaid travel cards. Instead, also consider general-purpose prepaid cards that allow for international ATM withdrawals and don't charge a lot of fees.

"Look for a card that has a fee structure that's not going to penalize you if you only use the card two or three times a year when you’re going on various vacation trips," says Telep.

You'll also want to make sure you don't run into limitations on how and when you can use your card while you're traveling.

"If I'm traveling abroad, I have to make sure that my prepaid card is going to work for both cash access and for purchases abroad," says Clark. "And you're always going to want to go with a Visa or Mastercard network because of the acceptance abroad."

Consider Using a Mix of Payment Methods

Instead of focusing your vacation spending on just one form of payment, consider using more than one. For example, a travel rewards credit card may be best for most purchases because you can avoid the foreign transaction fee and earn valuable rewards on each transaction. Then use a traditional or prepaid debit card to withdraw cash from ATMs, since credit card issuers will charge a cash advance fee on these transactions.

By having multiple payment options, you can judge which one is the best every time you need to make a purchase. It can also help if one of them gets stolen. While some credit cards and prepaid debit cards offer emergency cash and card replacement services, having a backup ready to go can be a major stress reliever.

Whatever you do, take some time to compare your options to make sure you're getting the most value out of your trip.

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Comparative assessments and other editorial opinions are those of U.S. News and have not been previously reviewed, approved or endorsed by any other entities, such as banks, credit card issuers or travel companies. The content on this page is accurate as of the posting date; however, some of our partner offers may have expired.

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Simplify your spending abroad with a prepaid travel card, find a prepaid travel card, what is a prepaid travel card.

A  prepaid travel card , also known as a 'travel money card', is  a debit card that you preload with money  and take on holiday. It's a good way to stick to your holiday budget and avoid carrying a lot of cash. 

Prepaid travel cards  can be used at cashpoints, in shops and restaurants , or anywhere that accepts Mastercard or Visa debit or credit cards.

However, a prepaid travel card is  not the same as a  credit card  for two key reasons:

You can only spend the amount you have put on the card; the pre-loaded limit prevents you overspending and getting into debt 

You can choose which currency to preload your travel money card with depending on where you're going, which often means you can secure a better exchange rate

Pick a card with fees that suit how you plan to use it, e.g. choose one with no withdrawal fees if you'll be withdrawing cash often while travelling.”

What are the different types of prepaid travel cards?

Multi-currency prepaid cards.

These can be loaded with several different currencies , making them ideal for both frequent travellers and those taking trips to multiple destinations. For example, you holiday in Europe but often visit the US on business, you could use a prepaid travel card to cover your everyday spending wherever you are by topping it up with say £600 then exchanging £200 into euros and £200 into US dollars. The different currencies will then be stored in separate “wallets” , allowing you to switch currencies when you like.

Sterling prepaid cards

These can be used at home and abroad , making them even more flexible than the best travel cards offering multiple currencies. You don’t need to worry about setting up a wallet for the currency you want to use; the card provider simply converts your pounds to the required currency each time you make a purchase . However, this can make holiday budgeting harder and may increase your costs, depending on the charging structure.

Euro prepaid cards

As well as multi-currency cards, you can take out prepaid cards designed to hold a specific currency . This can work out excellently if you're trying to lock in a good rate now by loading your euro prepaid card, but if you then use the card to buy things in a country that isn't in the eurozone. That's because if you spend in a country that does not use the euro, it converts to the local currency each time you make a purchase, which can work out more expensive.

Prepaid US dollar cards

These keep your balance in dollars . If you spend in countries that use a different currency, the card will exchange your dollars to the local currency, and you might well be charged a fee. The currency exchange takes place as soon as you load your card . If the pound strengthens afterwards, you won’t be getting the best value for money, but it if weakens you'll do well.

How to get a prepaid travel card

Compare cards.

Use our table below to find prepaid travel card that offers the features you need with the lowest fees

Check your eligibility

Make sure you fit the eligibility criteria for your chosen travel money card and can provide the required proof of ID

Apply for the card

Click 'view deal' below and fill out the application form on the provider's website with your personal details

What are the eligibility requirements?

Anyone can get a prepaid travel card. There's no need to have a bank account, and  no credit checks are required . Some providers have a minimum age of 18, but many will let you have a prepaid card from the age of 13 with parental consent. 

Sometimes parents like to use travel money cards to give their children a set amount of  holiday money , and to help teach them about budgeting and financial responsibility. 

Pros and Cons

What exchange rate do you get.

Exchange rates vary over time depending on what is happening in the wider economy. That means the exchange rate you get on a US dollar travel card today, for example, might not be the same as you get tomorrow or next week.

What prepaid cards offer is the ability to lock in today's rate to use later on. That could see you better off if the pound weakens, but might also mean you get a poor deal if the pound strengthens.

That offers is certainty - you'll know exactly how many dollars, euros, lira or whichever currency you load onto the card you have to spend on holiday.

Today’s best exchange rates

At what point is the currency exchanged with prepaid travel cards.

Some prepaid travel cards hold the balance in pounds sterling. These convert the required amount to the local currency every time you spend on them .

The exchange rate isn’t fixed, so you’ll only know how many pounds you have on the card - not what it will buy you while overseas.

But the cards in our comparison table convert your money when you add it onto the card. This means you know the exchange rate used and your card's exact balance before you go away.

Compare the rates before you choose a prepaid card. Although rates can change several times a day, some travel cards will be more competitive than others.

Using a card with competitive exchange rates will mean you get more local currency for your pound.

You also need to watch out for fees as well as withdrawal limits when choosing a card, as these can vary between providers.

What are the alternatives to prepaid travel cards?

Travel credit card.

A travel credit card works just like a regular credit card, with which you can make purchases by borrowing money. The main difference is that travel credit cards don't charge foreign transaction fees for spending abroad. 

Travel money

For many people, cash is the most comfortable form of payment when travelling. It's hassle-free and universally accepted. But it’s riskier, as you'll lose out if it’s lost or stolen and you’ll need to budget carefully to ensure your foreign currency lasts the length of your trip. 

Travel debit card

These days, there are plenty of specialist banks and providers that offer bank accounts that don't charge foreign transaction fees when used abroad. This offers you a chance to take advantage of the best exchange rates. And if it's your main current account, you won't have to worry about topping up your account before you go.

What other costs or fees are there with prepaid travel cards?

As well as the exchange rate, you might have to pay several other charges on your prepaid travel card.

These could include:

A fee to buy the card

A monthly or annual fee for keeping the account open

Cash withdrawal fees

Transaction fees when you pay for anything on the card

Inactivity fees

Loading fees when you add money onto the card

Some cards also charge fees for withdrawing cash or making purchases inside the UK .

But some of the cards in this comparison do not charge fees in countries that use currencies loaded on the card - just make sure the right one is selected before spending on them.

Check carefully for fees before you pick one.

Read our full guide on how much it costs to use a travel prepaid card and how to choose one .

"With multi-currency cards, check you've selected the right currency before you arrive."

How long does it take to get a prepaid travel card?

You can apply online and get a decision immediately. However, it can take up to two weeks before your card arrives in the post.

Can I use any prepaid card abroad?

Yes, you can use prepaid Visa or Mastercard cards in most destinations worldwide.  Travel prepaid cards  are usually cheaper to use overseas than a standard credit or debit card. 

Can I withdraw cash abroad?

Yes, you can use a travel money card in a cash machine outside the UK. Some cards  charge fees  for this, so always check if you want to use your prepaid travel card to make cash withdrawals.

What currencies can my card hold?

All the travel money cards in our comparison can hold a balance in popular currencies such as euros or dollars, while some support more than 50 different currencies.

Can I make international payments?

Yes, some providers let you send or receive money from abroad by logging into your online account, which works in the same way as standard internet banking.

Who sets the exchange rate?

This depends on the company that processes the transactions. Typically, it’s down to  Visa or Mastercard , as well as your card provider, which may take an additional cut.

Can I use my prepaid card in the UK?

You can use prepaid cards to withdraw cash or buy things in the UK or online. However, you may pay fees or even an exchange rate if your card is loaded with a foreign currency.

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The 6 Best Travel Cards for the US 2024

If you live in the US but travel often abroad, a travel money card can make spending in foreign currencies cheaper and more convenient. Travel money cards also have the bonus that they can be cheaper when you shop online with foreign retailers, as there’s often no foreign transaction fee to pay.

Different types of travel money cards, including travel debit cards, prepaid travel cards and travel credit cards, are available to support different customer needs. The right one for you will depend on your personal preference and how you like to manage your money. 

Read on for all you need to know, including a closer look at travel money card types, some great options to consider, and the sorts of fees you need to think about when you choose. 

Wise – good value debit card for the US

Before we get into details about different travel money card options, let’s start with the Wise card as a good all-round option that allows you to hold and spend US dollars, as well as a diverse range of other world currencies.

Wise account can hold and exchange 40+ currencies, and you can get a linked Wise card for a one time delivery fee. Top up your account in USD and you can spend locally and overseas conveniently. If you plan to travel, you can switch to the currency you need before you travel, so you know your travel money budget in advance - or if you’d prefer, you can simply allow the card to automatically switch currencies as and when you need it. All currency conversion uses the mid-market exchange rate, with low fees from 0.43%.

Plus you can get USD bank account details - as well as local account details for up to 8 other currencies - to get paid conveniently to your Wise account . If you’re receiving money in USD to Wise, it’s free to get paid by ACH, and there’s a low 4.14 USD fee to receive a wire. There’s no fee to receive any of the other 9 currencies which come with local bank details.

Here are some of the advantages and disadvantages of using the Wise travel money debit card, to help you decide if it's suitable for you.

What is a travel money card?

A travel money card can be used for payments online and in stores, and for cash withdrawals , just like your regular bank card can be. You can use your travel money card in the US just as conveniently as you can when you travel or shop online with overseas retailers. However, with a travel money card you’ll find the features and fees have been optimized for international use . That might mean you get a better exchange rate compared to using your normal card overseas, or that you run into fewer fees. Some travel cards also have options to earn cashback and rewards when you use your card internationally. 

6 travel money cards for the US compared

We’ll look at each of these card options in a little more detail in just a moment, but let’s start with an overview of how 6 top travel money cards for the US line up side by side:

As you can see, the features of different travel money cards can vary pretty widely. In general travel debit cards can be convenient and often fairly cheap to use, while travel credit cards can offer some nice perks like cashback or rewards - but do mean you might run into interest and late payment charges, depending on how you choose to pay.

Travel debit cards often let you top up a linked account online or through an app, so you can set your budget and can’t spend more than you intend. Travel credit cards on the other hand let you spend to your card limit, and then repay the amount over a few months if you’d prefer to. Which is best for you will come down to how you like to manage your money - we’ll dive into a few more details about each card type, next.

What are different types of travel cards?

Broadly speaking, US customers are able to select a travel money card from either a regular bank or a specialist provider, which may be a travel debit card, travel prepaid card or a travel credit card. We’ll walk through what each travel money card type is, and pick out a couple of good card options, so you can compare and choose.

• Travel debit cards
• Travel prepaid cards
• Travel credit cards

1. Travel Debit Cards for the US

Travel debit cards are usually offered by specialist providers, with linked digital accounts you can use to hold and convert a currency balance. That makes them equally convenient to use in the US when spending in dollars, when shopping online with retailers overseas, and when you travel. While different cards have their own features, travel debit cards can usually be topped up easily online and through an app, with the option to see your balance and get transaction notifications through your phone too. That makes it easier to keep on top of your money, no matter where in the world you are.

Travel debit card Option 1: Wise

Wise is a good value travel money debit card for the US. There’s no fee to open a Wise account, and just a small delivery fee for your Wise card, with no minimum balance and no monthly charge. You just pay low Wise fees from 0.43% when you convert currencies, and transparent ATM fees when you exhaust the monthly free transactions available with your account.

• No fee to open a Wise account , no minimum balance requirement
• 9 USD one time fee to get your Wise card
• 2 withdrawals, to 100 USD value per month for free, then 1.5 USD + 2%
• Hold 40+ currencies, convert between them with the mid-market rate
• Get local account details to receive USD and 9 other currencies conveniently

Travel debit card Option 2: Revolut

Revolut has a selection of different account tiers, so you can simply pick the account you prefer - from Standard plans with no monthly fee to the 16.99 USD/month Metal plan. All Revolut accounts have linked cards, although exactly what type of card you get depends on your account tier. You can hold around 25 currencies, and convert currencies with the mid-market rate to your plan’s allowance. 

• No monthly fee if you open a Standard Revolut account, or upgrade for up to 16.99 USD/month 
• Card delivery fees may apply depending on your account tier
• All accounts have some fee free weekday currency conversion with 0.5% fair usage fees after that. Out of hours and exotic currency fees may apply in some cases
• Standard plan holders can withdraw 400 USD overseas per month without paying fees
• Hold USD and around 25 other currencies

Pros and cons of using debit travel cards in the US

How to choose the best travel debit card for the us.

The best travel debit card for USA really depends on your personal preferences and how you like to manage your money. If you’ll be traveling widely it makes sense to look for an account with mid-market currency exchange and a large selection of supported currencies, like Wise . Other providers like Revolut can also be a good pick, particularly if you’ll use your account very frequently and would prefer to pay a monthly fee to unlock lots of no fee transactions and extra perks.

Is there a spending limit with a travel debit card in the US?

Different providers set their own limits for card use. Limits may apply daily, weekly or monthly, and can apply to different types of transactions. You might find you have a limit to the amount of ATM withdrawals you can make per day, for example, or the value of contactless payments - these limits are set for security and can sometimes be managed and changed in the provider’s app.

2. Prepaid Travel Cards for the US

With a prepaid travel card you’ll need to order a card and add funds, to pay merchants and make cash withdrawals. While prepaid travel cards are usually issued on large global networks - and can therefore be used pretty widely - not all cards are accepted globally, so you’ll need to check network coverage in your destination country.

Prepaid travel card option 1: Bluebird American Express prepaid debit card

You can order a Bluebird prepaid debit card for free online. You’ll then be able to top up in cash or from a bank account. You can also add checks or have funds deposited by others - fees apply for some top up methods. While this card doesn’t allow you to hold foreign currencies, you won’t pay a foreign transaction fee to spend your USD balance abroad, which makes it a good choice when you’re away from home.

• Get a card for free by ordering online
• Top up in a range of ways in USD
• No foreign transaction fee when spending overseas
• ATM withdrawal fees of 2.5 USD or the equivalent when overseas
• American Express cards are not always accepted internationally - check coverage before you travel
• No interest to pay 

Prepaid travel card option 2: Discover it Secured

Discover it Secured is a credit card, but we’ve included it in our roundup of prepaid cards because it’s a secured card, which means you’ll need to pay an upfront deposit, and can then spend to that deposit level every month. Clear off your bill in full to avoid interest, and you could build a credit score, earn cashback and get no foreign transaction fees when you spend overseas, too.

• No annual card fee, although interest charges and late payment fees do apply
• No foreign transaction fees for spending overseas
• ATM withdrawal fees may apply including a 10 USD cash advance fee
• Earn cashback on spending and build credit as you do so
• Discover network is not always internationally supported - check your destination before you travel

Pros and cons of using prepaid travel cards in the US

How to choose the best travel prepaid card for the us.

There’s no single best travel prepaid card for the US - it’ll come down to your personal preferenc e. If you’re looking specifically for a prepaid debit card you can use abroad with no foreign transaction fee, try the Bluebird card option. However, if a credit card suits you, the Discover it Secured can be a strong pick thanks to the cash back options available.  

Is there a spending limit with a prepaid card in the US?

Different prepaid travel cards set their own limits for spending and withdrawals, which can  vary between currencies. You’ll need to check your card’s terms and conditions carefully to make sure you pick a provider which suits your needs.

3. Travel Credit Cards for the US

Travel credit cards typically offer some extra international features compared to regular credit cards, such as low or no foreign transaction fees or extra option to earn rewards when you’re abroad. In general, travel credit cards are safe and convenient but can be more expensive compared to using a debit card option. Before you select the right card for you it’s important to check the fees, rates, eligibility rules and interest rates which apply, so you can make sure it’s a good fit for you.

Travel credit card option 1: Capital One Venture Rewards

The Capital One Venture Rewards card can be used in the US conveniently - and has no foreign transaction fees when you spend overseas. There’s also a comparatively low cash advance fee when you use an ATM, at 3 USD or 3% whichever is higher. You’ll need to repay your bill in full every month to avoid fees and interest, but can earn travel rewards and miles on your day to day spending.

• No foreign transaction fee
• Earn travel rewards on spending 
• Get extras like lounge access and free travel insurance
• International spending uses the network exchange rate 
• Variable interest rates which apply if you don’t pay off your bill in full

Travel credit card option 2: Chase Sapphire Preferred

The Chase Sapphire Preferred card has a variable interest rate with no foreign transaction fee to pay. However, you’ll need to pay a 95 USD annual card charge to get your card in the first place. Currency conversion uses the network exchange rate - plus there are benefits and rewards available for cardholders.

• Variable interest rates and a 95 USD annual fee
• Check your eligibility and order a card online easily
• Network exchange rates apply

Pros and cons of using credit cards in the US

How to choose the best travel credit card for the us.

The best travel credit card for the US will depend on your personal preferences. If you’re interested in earning rewards and cash back, a travel rewards card like the Chase Sapphire Preferred could be a good bet as it has no foreign transaction fee and offers rewards on all spending. Whichever card you’re considering you’ll want to weigh up the potential fees you’ll need to pay against the rewards you can earn to make sure it’s worthwhile.

Which cards are accepted in the US?

It’s important to know that you may find that different card networks are more popular in one country than they may be in another. For example, while Visa and Mastercard are pretty widely accepted globally, other popular US card networks, like American Express and Discover cards are less likely to be accepted in some countries and regions. Both networks have some support in the US, but coverage isn’t universal.

If you’re looking for a card specifically to take with you when you travel, it may be worth checking coverage in destinations you visit frequently to help you choose the right network for your needs.

In most cases it’s best to carry more than one means of payment when you travel - for example a credit card and a specialist travel money card which has been issued on a different network - so that you always have a plan B if your preferred payment method isn’t available.

Conclusion: Which travel money card is best for the US?

If you’re living in the US but travel often - or if you shop online with retailers based overseas, you might want to pick a travel money card for foreign currency spending. Travel money cards have different features, and can be picked up via regular banks or online specialists.

You could opt for a low cost travel debit card which comes with a linked account to hold a selection of currencies - like the Wise debit card . Or you might prefer a prepaid travel money card like the Bluebird American Express debit card which can be linked to a fee free account. Finally, another option is to get a travel credit card either to earn cashback and rewards, or to avoid foreign transaction fees. 

Use this guide to start your research and pick the right option for your specific needs.

Go to Wise Go to Revolut

FAQs - Best travel cards for the US 2024

1. Which travel card is best to use in the US and abroad?

There’s no single best travel card to use in the US and when you’re headed abroad. Which is right for you will depend on your preferences and the features you want to access. Having a multi-currency account from a provider like Wise or Revolut can be a good bet if you travel widely as you’ll be able to hold and exchange dozens of major currencies for convenience.

2. What is the best way to pay when traveling outside the US?

Spending with your card is convenient when traveling, but you’ll be best off having several different payment methods just in case your first choice isn’t supported. For example, you could choose 2 different debit or credit cards, issued on different networks, and you could also get foreign currency cash in advance so you have some  on you for those times when cards aren’t available.

3. Can you withdraw cash with a credit card in the US and overseas?

You can usually make cash withdrawals with a credit card in the US and overseas, at any ATM that supports your card network. You’ll often find that a fee applies, and you may start to accumulate interest on the withdrawn amount immediately. Travel money debit cards from providers like Wise and Revolut can be a lower cost option for cash withdrawals locally and abroad.

4. Can I use a US card abroad?

You can use your US card anywhere you see the card network’s logo displayed. Visa and Mastercard networks are very well supported globally, including in the US, making these good options to look out for when you pick your travel debit card for use overseas as well as in the US.

5. Are prepaid cards safe?

Prepaid cards from reputable providers are safe to use at home and abroad. They aren’t linked to your main bank account which can offer extra peace of mind, and may also make it easier to manage your travel budget. However, you’ll need to check the card features and fees carefully to make sure you're getting the best match for your needs.

6. What are the main fees for travel cards when traveling?

The fees applied for travel cards can vary widely depending on the provider and the card type. With debit cards you may find ATM fees, and costs for converting currencies, although specialist providers like Wise and Revolut have linked multi-currency accounts which can bring down the costs of currency conversion. Credit card fees include cash advance charges, foreign transaction fees and interest.

The smarter way to travel

Multi-currency Cash Passport™. One Card, Ten Currencies.

Get your card   Get the app  

Multi-currency Cash Passport

10 currencies, locked in rates.

Lock in exchange rates each time you load and top up. Load up to 10 different currencies on one card. Pound Sterling, Euros, US Dollars, Australian Dollars, Canadian Dollars, New Zealand Dollars, South African Rand, Turkish Lira, Swiss Francs and Emirati Dirhams.

Stay in control

Manage and track your Cash Passport on the go via your mobile, tablet, laptop or PC. Login to  My Account  and stay in control of your money. 

Accepted at millions of locations

Preload your Cash Passport and use like you would a credit or debit card in-store, online or to withdraw local currency at ATMs.

Global assistance

Help is only a call away. If your card is lost, stolen or damaged, we can replace it quickly or provide you with emergency cash up to the available balance on your card (subject to availability).

Today's exchange rates*

Running low on travel money.

Multi-currency Cash Passport is reloadable, allowing you to top up any of your currencies, anywhere, anytime.

You can top up in 5 ways:

• Bank transfer (via phone or internet banking)
• Via the mobile app
• Over the phone
• In participating branches

Learn more about your top up options.

Keep track of your travel money

You can use your mobile, tablet, laptop or PC to login to My Account  and stay in control of your travel money.

Register for My Account , so you can:

• Track your spending
• Top up your card
• Transfer between currencies
• Retrieve your PIN number
• Suspend your card temporarily

You can also download the Cash Passport mobile app, available for iOS and Android devices.

Travel with confidence

Safe and secure access to your money

Cash Passport uses Chip and PIN technology which means you can rest assured you have additional security making your card safer than carrying cash. Accepted at millions of locations and cash machines worldwide.

Looking for a back-up card for safe keeping? Simply purchase an additional card when ordering online or in-store.

We're here to help

We're only a call or email away at all times. Our global assistance team will help you if your card is lost, stolen or damaged.

We can replace your card quickly or provide you with access to emergency cash up to the available balance on your card (subject to availability), so you can keep enjoying your holiday.

Need further help?

View our frequently asked questions or feel free to contact us .

Cash Passport™ app

The new Cash Passport app has an improved design that makes managing your travel money faster and easier.

Start travelling smarter in just a couple of taps. Activate your Cash Passport card from your mobile, download the app from the iOS or Android store, log-in, and load up with your preferred currency. Simple!

Now you can securely store your payment card details in the Cash Passport app, so whenever and wherever you are, you can top up with up to 10 currencies, including Euros, US, Australian and Canadian Dollars and British Pounds at the touch of a button.

Stay in control the smart way. The new message centre feature lets you stay on top of tailored notifications, including low balance and transaction alerts. Keeping you up to date with your own personal need to know information.

Move money between your currencies with just a couple of taps – it’s that simple! Quickly move money between 10 currencies and spend more time enjoying your holiday.

Priceless Cities

Priceless Cities is a program available exclusively to Cash Passport cardholders and provides access to unforgettable experiences in the cities where you live and travel.

There’s a world of possibilities waiting for you to explore, so why not break free from your routine for a moment, a night, or even a weekend? Fuel your passions. Make memories to last a lifetime. Start Something Priceless.

Find out more

Multi-currency Cash Passport is issued by PrePay Technologies Limited pursuant to license by Mastercard  International. PrePay Technologies Limited is authorised by the Financial Conduct Authority under the Electronic Money Regulations 2011 (FRN: 900010) for the issuing of electronic money and payment instruments. Mastercard is a registered trademark, and the circles design is a trademark of Mastercard International Incorporated.

*Foreign exchange rates can fluctuate and the rate that applies one day will not necessarily be the same on any other day. The exchange rates set out on this website apply to top-ups that are made via this website only and that are applied to your card account within four hours. We will provide you with the applicable exchange rate at the time you top up.

Apple and the Apple logo are trademarks of Apple Inc. registered in the U.S. and other countries. App Store is a service of Apple Inc. registered in the U.S. and other countries. Google Play and the Google Play logo are trademarks of Google LLC.

Today’s exchange rates*

MASTERCARD BENEFIT INQUIRIES

Your benefits may vary by card type and by issuing financial institution. Refer to your issuing financial institution for complete benefit coverage terms and conditions or call Mastercard (0800-96-4767) for assistance. Certain terms, conditions and exclusions apply.

Availability of insurance benefits on your card may vary by card issuer. Please refer to your issuing financial institution for complete insurance benefit coverage terms, conditions and exclusions.

*Card registration required. Certain exceptions apply. Click here for terms and conditions .

Here Are the Four Best Travel Money Cards in 2024

Co-Founder of Monito and money transfer expert, François has been helping Monito’s users navigate the jungle of money transfer fees, bad exchange rates and tricks for the last ten years.

A writer and editor at Monito, Jarrod is passionate about helping people apply today’s powerful finance technologies to their lives. He brings his background in international affairs and his experiences living in Japan to provide readers with comprehensive information that also acknowledges the local context.

Links on this page, including products and brands featured on ‘Sponsored’ content, may earn us an affiliate commission. This does not affect the opinions and recommendations of our editors.

From the multitude of bank fees and ATM charges to hidden currency conversion fees, there's no question that spending your money abroad while travelling can be costly — and that's saying nothing about the cost of the holiday itself!

As you prepare for your trip abroad, the golden rule is that you'll save the most money by using the local currency of your destination. This means withdrawing local cash at foreign ATMs and using a debit card to pay directly in the local currency. For example, if you're from the UK, using your bank's debit card that accesses your British pounds will likely lose you money to hidden fees at ATMs abroad and at local merchants.

In general, we rate Revolut as the best travel card all around. Its versatile account and card can be used to spend like a local pretty much anywhere in the world. ✨ Get 3 months of free Revolut Premium as a Monito reader with our exclusive link .

If you're from the EU, UK, or US, here are a few more specific recommendations to explore:

• Best for travelling from the UK: Chase
• Best for travelling from the US: Chime ®
• Best for travelling from the Eurozone: N26

If it's not possible for you to spend in the local currency when travelling abroad, then spending in your home currency while using a card that doesn't charge any hidden exchange rate markups from your bank (e.g. only the VISA or Mastercard exchange rates to convert currency) is still a good bet for most people.

In this guide, we explore cards that waive or lower ATM fees and that hold multiple currencies. Spend on your holiday like a local and enjoy peace of mind after each tap and swipe!

Best Travel Cards (And More!) at a Glance

Best travel money cards.

• 01. What is the best best multi currency card? scroll down
• 02. Are prepaid currency cards really it? scroll down
• 03. Monito's best travel money card tips scroll down
• 04. FAQ about the best travel cards scroll down

Revolut: Best All-Rounder

Revolut is one of the most well-known fintechs in the world because it offers services across Europe, the Americas, Asia, and Oceania.

• Trust & Credibility 8.9
• Service & Quality 7.9
• Fees & Exchange Rates 8.3
• Customer Satisfaction 9.4

Revolut is available in many countries. You can double-check if it's available in yours below:

Here's an overview of Revolut's plans:

Revolut Ultra is currently only available in the UK and EU.

Like Wise, Revolut converts your currency to the local currency of your travel destination at an excellent exchange rate (called the 'Revolut Rate', which, on weekdays, is basically on par with the rate you see on Google), making it a good way to buy foreign currency before travelling abroad. As always though, bear in mind that Revolut's exchange rates might be subject to change.

Revolut's Standard Plan only allows currency exchange at the base mid-market exchange rate for transfers worth £1,000 per month. ATM withdrawals are also free for the first €200 (although third-party providers may charge a withdrawal fee, and weekend surcharges may also apply). These allowances can be waived by upgrading memberships.

N26: Good Bank For EU Travellers

One of the most well-known neobanks in Europe, N26 and its debit card operate in euros only. However, N26 is a partner with Wise and has fully integrated Wise's technology so that you never have to pay foreign transaction fees on your purchases outside of the eurozone. While N26 does not have multi-currency functionality, N26 will apply the real exchange rate on all your foreign purchases and will never charge a commission fee — making N26's card a powerful card for EU/EEA residents who travel across the globe.

• Trust & Credibility 7.9
• Service & Quality 8.0
• Fees & Exchange Rates 9.3
• Customer Satisfaction 8.1

These are the countries in which you can register for an N26 account:

And here is an overview of the various plans and account:

This low-fee option for banking is also ideal for travellers who do not belong to a European bank but frequent the Eurozone. For example, N26 is available for residents and citizens of Switzerland, Norway, and other European Economic Area countries that do not run on the Euro.

These citizens, who are in close proximity to the Eurozone, will save each time they spend with an N26 card while in Europe. N26 provides three free ATM withdrawals per month in euros but does charge a 1.7% fee per ATM withdrawal outside of Europe.

Take a look at our guide to the best travel cards for Europe to learn more.

Wise: Best For Multi-Currency Balances

Load up to 54 currencies onto this card at the real exchange rate, giving you access to truly global travel.

• Trust & Credibility 9.3
• Service & Quality 8.9
• Fees & Exchange Rates 7.6
• Customer Satisfaction 9.6

These are the countries in which you can order a Wise debit card:

Unlike banks, credit unions, airport kiosks, and foreign ATMs, Wise is transparent about never charging a hidden exchange rate margin when you convert your home currency into up to 54 currencies. The live rate you see on Google or XE.com is the one you get with Wise.

An industry-low commission fee per transaction will range from 0.35% to 2.85%, depending on the currency.

Chase: Great UK Bank For Travel

A recent arrival from the USA, Chase is one of the UK’s newest digital challenger banks and comes with a rock-solid reputation and no monthly charges, no currency conversion charges, no withdrawal fees, and no other charges for everyday banking from Chase. It’s a simple, streamlined bank account with an excellent mobile banking app and a great cashback offer. However, it doesn’t yet offer more advanced features like international money transfers, joint accounts, business banking, overdrafts and loans, and teen or child accounts.

• Trust & Credibility 10
• Fees & Exchange Rates 10
• Customer Satisfaction 8.7

Chime: Great Account For US Travelers

Chime  is a good debit card for international travel thanks to its no foreign transaction fees¹. Unlike multi-currency accounts like Revolut (which let you hold local currency), Chime uses the live exchange rate applied by VISA. This rate is close to the mid-market rate, and Chime does not add any extra markup to your purchases, although out-of-network ATM withdrawal and over-the-counter advance fees may still apply.

• Trust & Credibility 9.5
• Service & Quality 8.8
• Fees & Exchange Rates 9.8

While Chime waives ATM fees at all MoneyPass, AllPoint, and VISA Plus Alliance ATMs within the United States, this fee waiver does not extend to withdrawals made outside the country. For withdrawals abroad, Chime applies a $2.50 fee per transaction, with a daily withdrawal limit of $515 or its equivalent. This is in addition to any fees charged by the ATM owner. Therefore, we recommend Chime primarily for card purchases rather than relying on it for withdrawing cash while traveling internationally.

• No  foreign transaction fees ¹;
• Uses VISA's exchange rate ( monitor here ):
• A $2.50 fee per ATM withdrawal made outside of the United States;
• More info:  Read our  Chime review  or  visit their website .

Best Travel Money Cards in 2024 Compared by Country

In the table below, see our comparison summary of the four best travel cards for 2024 by country:

Last updated: 8 January 2024

What's The Best Prepaid Card to Use Abroad?

Travel cards come in many varieties, such as standard credit cards or debit cards with no foreign transaction fees or cards that waive all foreign ATM withdrawal fees.

What is a Multi-Currency Card?

Multi-currency cards are a specific type of travel card that allows you to own all kinds of foreign currencies, which you can instantly access when you pay with your card abroad. By spending the local currency in the region of travel , you bypass poor foreign exchange rates. ATMs and cashless payment machines will treat your card like a local card.

We have already mentioned a few multi-currency cards in this review, but we will also introduce Travelex . Travelex's Money Card also allows you to top up several foreign currencies — albeit at exchange rates slightly poorer than the real mid-market rate .

Wise Account

Wise has one of the best multi-currency cards available on the market.

Read our full review for more details.

Revolut is impressive for its vast options in currencies and its additional services.

Our in-depth review explores Revolut's services in detail.

Travelex offers a prepaid travel money card that supports 10 currencies and waives all ATM withdrawal fees abroad.

• Trust & Credibility 9.0
• Service & Quality 5.8
• Fees & Exchange Rates 7.1
• Customer Satisfaction 9.3

Travelex charges fees, which fluctuate according to the exchange rates of the day, in order to convert your home currency into the currencies that it supports. But once the currency is on the card, you'll be able to spend like a local. Learn more with our full review .

Don’t Let Banks, Bureaux de Change, and ATMs Eat Your Lunch 🍕!

Are you withdrawing cash at an ATM in the streets of Paris? Exchanging currencies at Gatwick airport? Paying for a pizza with your card during a holiday in Milano? Every time you exchange currencies, you could lose between 2% to 20% of your money in  hidden fees . Keep reading below to make sure you recognize and avoid them.

Currency Exchange Fees Eating My Lunch? What’s That?

You’re often charged a hidden fee in the form of an alarming exchange rate.

At any given time, there is a so-called “ mid-market exchange rate ” — this is the real exchange rate you can see on  Google . However, the money transfer provider or bank you use to exchange currencies rarely offers this exchange rate. Instead, you will get a much worse exchange rate. They pocket this margin between the actual rate and the poor exchange rate they apply, allowing the bank or money transfer provider to profit from the currency exchange. 

In other words, you or your recipient will receive less foreign currency for each unit of currency you exchange. All the while, the provider will claim that they charge zero commission or zero fees.

So the question now is… how can you avoid them? Thankfully, the best travel money cards will allow you to hold the local currency, which you can access instantly with a tap or swipe. Carrying the local currency avoids  exchange rate margins  on every purchase.

Top Travel Money Tips

• Avoid bureaux de change. They charge between 2.15% and 16.6% of the money exchanged.
• Always pay in the local currency and never accept the  dynamic currency conversion .
• Don't use your ordinary debit or credit card unless it's specifically geared toward international use. Doing this will typically cost you between 1.75% and 4.25% per transaction. Instead, use one of the innovative travel money cards below.

By opting for a travel card without FX fees, you can freely swipe your card abroad without worrying about additional charges. However, saving money doesn't stop there. To make the most out of your travel budget, consider using  Skyscanner , one of the most powerful flight search engines available that allows you to compare prices from various airlines and find the best deals.

With Skyscanner's user-friendly interface and comprehensive search options, you can discover cheap flights and enjoy your holidays with peace of mind and more money in your pocket.

Best Travel Money Card Tips

When you convert your home currency into a foreign currency, foreign exchange service providers will charge you two kinds of fees :

• Exchange Rate Margin:  Providers apply an exchange rate that is poorer than the true  "mid-market" exchange rate . They keep the difference, called an  exchange rate margin .
• Commission Fee:  This  fee  is usually a percentage of the amount converted, which is charged for the service provided.

With these facts in mind, let's see what practices are useful to avoid ATM fees, foreign transaction fees, and other charges you may encounter while on your travels.

Tip 1: While Traveling, Avoid Bureaux de Change At All Costs

Have you ever wondered how bureaux de change and currency exchange desks are able to secure prime real estate in tourist locations like the Champs-Élysées in Paris or Covent Carden in London while claiming to take no commission? It’s easy: they make (plenty of) money through hidden fees on the exchange rates they give you. 

Our study shows that Bureaux de Change in Paris charges a margin ranging from 2.15% at CEN Change Dollar Boulevard de Strasbourg to 16.6% (!!) at Travelex Champs-Élysées when exchanging 500 US dollars into euros for example. 

If you really want cash and can’t wait to withdraw it with a card at an ATM at your destination, ordering currencies online before your trip is usually cheaper than exchanging currencies at a bureau de change, but it’s still a very expensive way to get foreign currency which we, therefore, would not recommend.

Tip 2: Always Choose To Pay In the Local Currency

Don’t fall for the dynamic currency conversion trap! When using your card abroad to pay at a terminal or withdraw cash at an ATM, you’ve probably been asked whether you’d prefer to pay in your home currency instead of the local currency of the foreign country. This little trick is called dynamic currency conversion , and the right answer to this sneaky question will help you save big on currency exchange fees.

As a general rule, you always want to pay in the local currency (euros in Europe, sterling in the UK, kroner in Denmark, bahts in Thailand, etc.) when using your card abroad, instead of accepting the currency exchange and paying in your home currency. 

This seems like a trick question - why not opt to pay in your home currency? On the plus side, you would know exactly what amount you would be paying in your home currency instead of accepting the unknown exchange rate determined by your card issuer a few days later.

What is a Dynamic Currency Conversion?

However, when choosing to pay in your home currency instead of the local one, you will carry out what’s called a “dynamic currency conversion”. This is just a complicated way of saying that you’re exchanging between the foreign currency and your home currency at the exact time you use your card to pay or withdraw cash in a foreign currency, and not a few days later. For this privilege, the local payment terminal or ATM will apply an exchange rate that is often significantly worse than even a traditional bank’s exchange rate (we’ve seen margins of up to 8%!), and of course, much worse than the exchange rate you would get by using an innovative multi-currency card (see tip #3). 

In the vast majority of times, knowing with complete certainty what amount you will pay in your home currency is not worth the additional steep cost of the dynamic currency conversion, hence why we recommend always choosing to pay in the local currency.

Tip 3: Don't Use a Traditional Card To Pay in Foreign Currency/Withdraw Cash Abroad

As mentioned before, providers make money on foreign currency conversions by charging poor exchange rates — and pocketing the difference between that and the true mid-market rate. They also make money by charging commission fees, which can either come as flat fees or as a percentage of the transaction.

Have a look at traditional bank cards to see how much you can be charged in fees for spending or withdrawing $500 while on your holiday.

These fees can very quickly add up. For example, take a couple and a child travelling to the US on a two-week mid-range holiday. According to this study , the total cost of their holiday would amount to around $4200. If you withdraw $200 in cash four times and spend the rest with your card, you would pay $123 in hidden currency exchange and ATM withdrawal fees with HSBC or $110 with La Banque Postale. With this money, our travellers could pay for a nice dinner, the entrance fee to Yosemite Park, or many other priceless memories. 

Thankfully, new innovative multi-currency cards will help you save a lot of money while travelling. Opening an N26 Classic account and using the N26 card during the same US holidays would only cost $13.60.

Need Foreign Cash Anyway?

In many countries, carrying a wad of banknotes is not only useful but necessary to pay your way since not every shop, market stall, or street vendor will accept card payments. In these cases you'll have two options to exchange foreign currency cheaply:

1. Withraw at an ATM

As we've explored in great depth in this article, withdrawing money from a foreign ATM will almost always come with fees — at the very least from the ATM itself, and so it's therefore the best strategy to use a travel debit card that doesn't charge in specific ATM withdraw fees on its own to add insult to injury. That said, if you need cash, we recommend making one large withdrawal rather than multiple smaller ones . This way, you'll be able to dodge the fees being incurred multiple times.

2. Buy Banknotes (at a Reasonable Rate!)

As we've also seen, buying foreign currency at the airport, at foreign bank branches, or in bureaux de change in tourist hotspots can be surprisingly expensive. Still, not all exchange offices are equally pricey . If you're looking for a well-priced way to exchange your cash into foreign currency banknotes before you travel, Change Group will let you order foreign currency online and pick them up at the airport, train station, or a Change Group branch just before you leave for your holiday. A few pick-up locations in the UK include:

• London centre (multiple locations),
• Glasgow centre,
• Oxford centre,
• Luton Airport,
• Gatwick Airport,
• St. Pancras Station.

(Note that Change Group also has locations in the USA, Australia, Germany, Spain, Sweden, Austria, and Finland!)

Although its exchange rates aren't quite as good as using a low-fee debit card like Revolut, Change Group's exchange rates between popular currencies tend to be between 2% to 3%, which is still a lot better than you'll get at the bank or at a touristy bureau de change in the middle or Paris or Prague!

FAQ About the Best Travel Money Cards

Having reviewed and compared several of the industry's leading neobanks, experts at Monito have found the Wise Account to offer the best multi-currency card in 2024.

In general, yes! You can get a much better deal with new innovative travel cards than traditional banks' debit/credit cards. However, not all cards are made equal, so make sure to compare the fees to withdraw cash abroad, the exchange rates and monthly fees to make sure you're getting the best deal possible.

• Sign up for a multi-currency account;
• Link your bank to the account and add your home currency;
• Convert amount to the local currency of holiday destination ( Wise and Revolut convert at the actual mid-market rate);
• Tap and swipe like a local when you pay at vendors.

Yes, the Wise Multi-Currency Card is uniquely worthwhile because it actually converts your home currency into foreign currency at the real mid-market exchange rate . Wise charges a transparent and industry-low commission fee for the service instead.

More traditional currency cards like the Travelex Money Card are good alternatives, but they will apply an exchange rate that is weaker than the mid-market rate.

The Wise Multi-Currency Card is the best money card for euros because unlike banks, credit unions, airport kiosks, and foreign ATMs,  Wise  is transparent about never charging a hidden exchange rate margin when you convert your local currency into euros with them.

The live rate you see on Google or XE.com is the one you get with  Wise . An industry-low commission fee will range from 0.35% to 2.85%. USD to EUR transfers generally incur a 1.6% fee.

Learn more about how to buy euros in the United States before your trip.

There are usually three types of travel cards, prepaid travel cards, debit travel cards and credit travel cards. Each have pros and cons, here's a short summary:

• Prepaid travel cards: You usually need to load cards with your home currency via a bank wire or credit/debit card top-up. You're then able to manage the balance from an attached mobile app and can use it to pay in foreign currencies or withdraw cash at an ATM abroad tapping into your home currency prepaid balance. With prepaid travel cards, as the name indicates, you can't spend more than what you've loaded before hand. Some prepaid card providers will provide ways to "auto top-up" when your balance reaches a certain level that you can customize. On Revolut for example, you can decide to top-up £100/£200/£500 from your debit card each time your balance reaches below £50.
• Debit travel cards: Some innovative digital banks, like N26 or Monzo, offer travel debit cards that have the same advantages than a Prepaid Travel Cards, except that they're debit card directly tapping into your current account balance. Like a Prepaid travel card, you can't spend more than the balance you have in your current account with N26 or Monzo, but you can activate an overdraft (between €1,000 or €10,000 for N26 or £1,000 for Monzo) if you need it, for a fee though.

Note that even if they're Prepaid or Debit cards, you can use them for Internet payments like a normal credit card.

• Credit travel cards: You can find credit cards made for international payments offering good exchange rates and low fees to withdraw money abroad, but you'll need to pay interests in your international payment if you don't pay in FULL at the end of every month and interest on your ATM withdrawals each day until you pay them back.

Why You Can Trust Monito

Our recommendations are built on rock-solid experience.

• We've reviewed 70+ digital finance apps and online banks
• We've made 100's of card transactions
• Our writers have been testing providers since 2013

Other Monito Guides and Reviews on Top Multi Currency Cards

Why Trust Monito?

You’re probably all too familiar with the often outrageous cost of sending money abroad. After facing this frustration themselves back in 2013, co-founders François, Laurent, and Pascal launched a real-time comparison engine to compare the best money transfer services across the globe. Today, Monito’s award-winning comparisons, reviews, and guides are trusted by around 8 million people each year and our recommendations are backed by millions of pricing data points and dozens of expert tests — all allowing you to make the savviest decisions with confidence.

Monito is trusted by 15+ million users across the globe.

Monito's experts spend hours researching and testing services so that you don't have to.

Our recommendations are always unbiased and independent.

Best Prepaid Travel Money Cards

Explore the best prepaid travel money cards.

Matt Crabtree

Rebecca Goodman

Prepaid travel cards have various names, such as travel money cards or multi-currency prepaid cards, but they all work in the same way to make spending abroad easier.

Using your debit card or usual bank account on holiday can accrue fees, and spending more than you have may be tempting, like dipping into your overdraft or savings accounts. With a prepaid card, you can stick to your budget and be aware of all the fees involved before spending.

In this article, I'll discuss everything you need to know about prepaid cards to use when you're abroad, and I've picked a list of the best prepaid cards on the market to help you decide.

What are multi-currency prepaid cards?

A prepaid card works much like a debit card in terms of how you use it to make purchases and withdraw cash from an ATM. The only difference is that a prepaid card isn't attached to a bank account; you must top it up to use it.

Anyone can sign up for a prepaid card and use it for travelling. There are no credit checks, so even if you’ve got a history of bad credit, you can still apply for a prepaid travel card.

A prepaid multi-currency card is like a gift card in the same way you top it up and use it. With multi-currency prepaid cards, you use them as an alternative to carrying cash or traveller's cheques when travelling . You top the card up in the currency of your choice and then use it as you need it.

You can top-up prepaid cards on the go, usually by an app, and you can use them in most places worldwide. You’ll have to check with your prepaid card provider to see what currencies you can use on the card and where you can use it.

The pros and cons

Like any financial product, there are benefits and drawbacks to using a prepaid card.

✔️ Budgeting: you can preload all of your spending money on the card, and as you can only spend what's there, it's much easier to stick with a budget and not overspend

✔️ Safer than cash : if you lose your prepaid card, or if it's stolen, you can get a replacement card sent to you. A prepaid card isn’t attached to a bank account , so you don’t have to worry too much about anyone potentially accessing your everyday banking.

✔️ No foreign exchange fees: most travel money cards are made for spending abroad, so there are usually no foreign exchange fees

✔️ Accepted in most places: most countries accept prepaid cards. Double-check with your prepaid card provider if your card is accepted before you fly out to your destination.

✔️ Different foreign currency: you can spend money in your chosen currency

✔️ Top-up on the go: most prepaid cards have an app that allows you to add money, exchange multiple currencies and view transaction history in one place

✔️ Good credit not required: anyone can apply and use a prepaid multi-currency card and there are no credit checks

❌️ Fees to cash withdrawals: some prepaid cards charge you for cash withdrawals

❌️ Other fees: fees will vary between prepaid card providers, but there may be administration fees, monthly charges or other additional fees

❌️ Limits: some travel prepaid cards limit how much money you can hold on your prepaid card, and some cards have a minimum amount to deposit to use the card

8 of the best prepaid travel money cards – reviewed

Here are the best 8 prepaid travel money cards:

1. Wise: digital and physical cards available

• Application fees: One-time fee of £7
• Conversion Fees: Fixed fee + 1.75% after free allowance
• Minimum loading amount: No limit
• Cash withdrawal fee: Fee-free cash withdrawals up to £200 monthly

With the Wise Travel Money Card, you can use it straight away as a digital card.

If you want a physical card, there is a £7 delivery fee, but you can use a digital card instantly with Google Pay or Apple Pay. You can create up to three free digital cards.

With the mid-market rate, you can top up your currency card from the Wise app . On the app, you can check your balance and transactions and receive spending notifications to see how much you spend to help you stay within your budget.

You can manage your Wise account from the mobile app or their website. You can exchange money for over 40 other currencies in real time. If you have leftover money from your holiday or your plans have changed, you can spend the money at home in the UK with a small conversion fee.

You can use your currency card to withdraw cash from over 3 million ATMs worldwide. You can use your currency card in more than 160 countries. The Wise prepaid travel money card is eco-friendly, biodegradable, reloadable, and has no subscription fee. There are no fees if you choose not to use the Wise travel card. 

2. Asda Money Travel Money Card: apply online or in store

• Application fees: None
• Conversion Fees: 5.75%
• Minimum loading amount: £50
• Cash withdrawal fee: Fee-free

You can apply for an Asda Money Travel Money Card online or in-store.

You can load up to 15 currencies and use your card contactless worldwide. You don't have to worry about cash withdrawal fees when you use this prepaid currency card; you can manage it on the go with the app. You can exchange 16 currencies with a fixed conversion fee.

You can top up via the app, online, or over the phone. You can top up while abroad, so you don't have to worry about running short of money. There are no fees when you spend in a currency preloaded to your card.

There is a £2 inactivity fee per month after 12 months. With this card, you can withdraw £500 a day, but the maximum it can hold is £5,000. This card has no link to your bank account for fraud protection.

Asda Travel Money Card is issued by PrePay Technologies Limited pursuant to a licence by Mastercard International. The Financial Conduct Authority authorises PrePay Technologies Limited under the Electronic Money Regulations 2011 .

3. Caxton Currency Card: up to £12,000 on a card

• Conversion Fees: Live exchange rates
• Minimum loading amount: £10
• Cash withdrawal fee: Fee-free abroad, £1.50 for domestic ATM withdrawals and transactions

The daily cash withdrawal limit for the Caxton Currency Card is £300, and you can hold up to £12,000 on the prepaid card.

When you use this currency card abroad, you can make purchases fee-free with no worries. You can convert your money into 15 currencies with live exchange rates and hold multiple simultaneously.

You can use your Caxton prepaid card anywhere that accepts Mastercard; watch for the Mastercard Acceptance Mark. You can manage your finances from the mobile app as it allows you to check your card balance, top up, and block the card if you misplace it.

Caxton offers customer service that is live 24/7 to help with any of your issues or concerns. Caxton also runs an international trading online platform.

4. Easy FX Currency Card: fee-free international cash withdrawals

• Conversion Fees: Exchange rate plus 1.8% for up to £1,000
• Cash withdrawal fee: International cash withdrawals are free

There are zero international fees when you use the EasyFX Personal Currency Card.

There is a £1.50 withdrawal fee for using a cash machine in the UK. You can benefit from highly competitive exchange rates and store multiple currencies on one account.

There are conversion fees with this currency card. However, the more money you convert, the lower the cost. You'll pay 1.8% on top of the exchange rate for conversion up to £1,000. The conversion fee lowers to 1.2% for up to £4,000.

As well as a currency card, you'll gain access to risk management tools provided by VFX Financial. You can manage your balances in real time on any device using the smart app or EasyFx website. If you don't use your card for 12 months, you'll be charged £2 monthly for inactivity.

5. Travelex Money Card: use in millions of locations

• Application fees: One-time fee of £15
• Minimum loading amount: £50 in person and £100 online
• Cash withdrawal fee: None

The Travelex Travel Money Card allows you to use your card across millions of locations that accept Mastercard Prepaid. Look for the Mastercard International Incorporated logo when you're travelling, and you can use the Travelex Travel Money Card at those locations.

With the Travelex Money Card, you'll get free WiFi worldwide without worrying about roaming fees. There are no charges for withdrawing cash from an ATM overseas. You can exchange GBP into 15 other currencies with fixed exchange rates.

There is a monthly £2 inactivity fee. There is currently a giveaway running with Mastercard that's open until 30 September, where all you need to do is load £220 or more onto a Travelex Money Card. You'll enter into a prize draw to win a dream holiday.

6. Post Office Travel Money Card: no fee for spending abroad

• Cash withdrawal fee: Fees vary between locations

Carry up to 22 currencies with the Post Office Travel Money Card. Wherever you see the Mastercard Acceptance Mark , you can use this travel money card, including millions of shops, restaurants, and bars in over 200 countries.

There are cross-border fees of 3% when you use your currency in other countries than what the Post Office offers. There is also a load commission fee of 1.5%.

Use the Post Office accessible Travel app to top up, manage your prepaid card, transfer funds between currencies and more. You can connect your prepaid card to Apple Pay and Google Pay. If you return from your holiday with money left on your card in another currency, you can use the wallet-to-wallet feature and transfer it to a new currency you choose.

7. Sainsbury's Bank Prepaid Travel Money Card: lower exchange rate for Nectar cardholders

You may get better exchange rates than a non-card holder if you're a Nectar cardholder and want to apply for Sainsbury's Prepaid Travel Money Card. If you hold a Nectar card, you can earn 500 bonus Nectar points when you load at least £250 onto your travel money card.

You can load money onto your card in 15 currencies at once. You can use your prepaid travel card to make purchases worldwide and withdraw cash without worrying about ATM fees.

You can check out all your transactions and load money onto the card with the Sainsbury's Bank travel money card app. There is no direct link to the prepaid card to your bank account, so you don't have to worry about security.

There is a 2% fee for loads and reloading into GBP purses. Additionally, if you don't use your card for 18 months, you may be charged a £2 inactivity fee.

8. FairFX Prepaid Card: earn cashback in select retailers

• Application fees: Free
• Conversion Fees: 1.12%
• Cash withdrawal fee: £2 flat rate + 3.75% of the transaction amount

The FairFX Prepaid Card holds 20 major currencies, including GBP, Euros, US dollar, Japanese yen, Australian dollar, and more.

You can use this free multi-currency card in over 190 countries worldwide. You can top up on the go, either before you travel or whilst you're travelling.

Travel smarter with FairFX; when you become a customer, you can access offers and deals from partners to help your money take you further, for example, discounts on lounge access and more. You can earn 3.5% cashback in-store or online at select UK retailers.

If your car expires with a leftover balance, there will be a monthly £2 charge. Card renewal is free so that you can avoid expiration. There are no subscription fees or monthly fees.

Tips for looking after your money as you travel

Money is a massive element of travelling; it pays for your trips, food, and all the fun activities you get up to. A prepaid currency card can make your journey much more accessible.

We've compiled a list of further tips to help manage your finances a little more easily while you travel:

• Check the expiry date on the card: for any cards you take with you on your travels, ensure they're within the expiry date. Otherwise, you may be stuck without access to money. If your cards are close to expiring, consider contacting your provider and getting a new one sent out before you fly out.
• Travel insurance: always travel with travel insurance to protect yourself and your belongings. Travel insurance can cover your medical costs if you become ill or have an accident.
• Check exchange rate: if you choose a prepaid card provider that uses live exchange rates, keep an eye on the exchange rates at specific types of the day
• Top up your card online: if you're running low on holiday money, choose a prepaid travel card that allows you to top up online to add money to the card quickly
• Check foreign exchange fee: most prepaid travel cards offer minimum foreign exchange fees, but always check with the card provider for potential fees before you travel
• Have card provider details at hand: if any issues occur, you should have the contact number or support team access to contact prepaid providers. If your card is stolen or you find fraudulent transactions on it, contact your provider, and it's worth alerting local police, too.

The verdict

A prepaid card is the ideal companion if you're someone who travels regularly and wants to be on control of tour cash.

They allow you to stay within budget, control your account from an app on your phone, and spend abroad without worrying too much about fees. With one of the prepaid currency cards from our best list, you can spend abroad securely and confidently.

Related guides:

• 7 Cheapest Ways to Spend Money Abroad
• Best Avios Credit Cards
• Best Air Miles Credit Cards
• What Is Holiday Let Insurance?

Best Prepaid Travel Money Cards: FAQs

Is it worth getting a prepaid travel card.

Using your debit card or usual bank account can accrue many travelling fees. With a prepaid card, you can stick to your budget with no credit options available and know all the fees involved before spending. You can spend without worrying about security, as your prepaid card has no direct link to your bank accounts. Prepaid cards are safer than cash and are accepted in most places. You can spend money in your chosen currency and top up on the go.

How Does a Prepaid Card Work?

You can top-up prepaid cards on the go, usually by an app, and you can use it in most places worldwide. It works similarly to a debit card, like how you use it to spend, but a prepaid card isn’t attached to a bank account, and anyone can use one.

What is the Best Travel Money Card?

The Wise Travel Money Card is at the top of our best travel money card list. There is no minimum loading fee; you make free monthly cash withdrawals of up to £200. While waiting for your card to be delivered, you can use your balance immediately as a digital card with Google Pay or Apple Pay. You can create up to three free digital cards. You can use your currency card to withdraw cash from over 3 million ATMs worldwide.

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• Travel Money

A safe-to-use, prepaid, reloadable, multi-currency card that’s not linked to your bank account

No charges when you spend abroad*

Make contactless, Apple Pay and Google Pay™ payments

Manage your account and top up or freeze your card easily with our Travel app

*No charges when you spend abroad using an available balance of a local currency supported by the card.

Win £5000 with Post Office Travel Money Card

A chance to win £5000 when you top up a new or existing Travel Money Card*. Offer ends 12 May

*Exclusive to travel money cards. Promotion runs 4 March to 12 May 2024. 1 x £5,000 prize available to be won each week. Minimum equivalent spend of £50 applies.

Why get a Travel Money Card?

Carry up to 22 currencies safely.

Take one secure, prepaid Mastercard® away with you that holds multiple currencies (see ‘common questions’ for which).

Accepted in over 36 million locations worldwide

Use it wherever you see the Mastercard Acceptance Mark – millions of shops, restaurants and bars in more than 200 countries.

Manage your card with our travel app

Top up, manage or freeze your card, transfer funds between currencies, view your PIN and more all in our free Travel app .

It’s simple to get started

No need to carry lots of cash abroad. Order a Travel Money Card today for smart, secure holiday spending.

Order your card

Order online, via the app or pick one up in branch and load it with any of the 22 currencies it holds.

Activate it

Cards ordered online and in-app should arrive within 2-3 working days. Activate it by following the instructions in your welcome letter.

It’s ready to use

Spend in 36 million locations worldwide, and top up and manage your card in the app or online.

Stay in control

Manage your holiday essentials together in one place on the move, from your Travel Money Card and travel insurance to extras like airport parking.

New-look travel app out now

Our revamped travel app’s out now. It makes buying, topping up and managing Travel Money Cards with up to 22 currencies a breeze. Buying and accessing Travel Insurance on the move effortless. And it puts holiday extras like airport hotels, lounge access and more at your fingertips. All with an improved user experience. Find out what’s changed .

Order a Travel Money Card

Order your card online – or through the Post Office travel app – and we'll deliver it within 2-3 days. Just activate it and go.

Need it quick? Visit a branch

Pick up a Travel Money Card instantly at your local Post Office. Bring a valid passport, UK driving licence or valid EEA card as ID. 

Need some help?

We’re here to help you make the most of your Travel Money Card – or put your mind at ease if it’s been lost or stolen

Lost or stolen card?

Please immediately call: 020 7937 0280

Available 24/7

To read our FAQs, manage your card or contact us about using it:

Visit our Travel Money Card support page

Common questions

How can i order my card.

There are three ways that you able to obtain a Travel Money Card, each very simple.

Please note, you must be a UK resident over the age of 18 to obtain a Travel Monday Card.

• Via our travel app: you can order and store up to three Travel Money Cards in our free travel app . Delivery will take 2-3 working days.
• Online: follow our application process  to order your card online. Your card will take 2-3 working days to be delivered. Once it arrives you can link it to our Travel app to manage on the go. 
• In branch: simply find a nearby Post Office branch and pop in to get your Travel Money Card there. Please remember to take a valid passport, UK driving licence or a valid EEA card in order to obtain your card, and you can take it away the same day.

Whichever way you choose to order your card, don't forget to activate it once it arrives. Full details of how to activate your card will be provided in your welcome letter, to which your card will be attached if it’s been sent in the post.

How do I use my card?

Travel Money Card is enabled with both chip & PIN and contactless, so you can make larger and lower-value value payments with it respectively. For convenience, you can also add it to Apple Pay and Google Wallet.

You can load it with between £50 and £5,000 (see more on load limits below). You can use it to pay wherever the Mastercard Acceptance Mark is displayed. And you can withdraw cash with it at over 2 million ATMs worldwide (charges and fees apply, see 'Are there top-up limits?' below).

Your Travel Money Card is completely separate from your bank account so it’s a safe and secure way to pay while you’re abroad.

How can I manage my card?

After you've activated your card, you can manage it using our travel app or via a web browser. You can check your recent transactions, view your PIN, transfer funds between different currency ‘wallets’, top up your card, freeze your card and more.

Our travel app brings together travel essentials including holiday money, travel insurance and more together in one place. As well as managing your Travel Money Card you can buy cover for your trip, access your policy documents on the move, book extras such as airport parking and hotels, and find your nearest ATM while overseas or Post Office branches here in the UK.

Which currencies can I use?

The Post Office Travel Money Card can be loaded with up to 22 currencies at any one time. You can top up funds on the card and transfer currencies between different ‘wallets’ for these currencies easily in our travel app or online.

Currencies available:

• EUR – euro
• USD – US dollar
• AUD – Australian dollar
• AED - UAE dirham
• CAD – Canadian dollar
• CHF – Swiss franc
• CNY – Chinese yuan
• CZK – Czech koruna
• DKK – Danish krone
• GBP – pound sterling
• HKD – Hong Kong dollar
• HUF – Hungarian forint
• JPY – Japanese yen
• NOK – Norwegian krone
• NZD – New Zealand dollar
• PLN – Polish zloty
• SAR – Saudi riyal
• SEK – Swedish Krona
• SGD – Singapore dollar
• THB – Thai baht
• TRY – Turkish lira
• ZAR – South African rand

What are the charges and fees?

Full details of our charges and fees can be found in our   Travel Money Card terms and conditions .

The Post Office Travel Money Card is intended for use in the countries where the national currency is the same as the currencies on your card. If the currency falls outside of any of the 22 we offer on your card, you’ll be charged a cross-border fee. For example, using your card in Brazil will incur a cross-border fee because we do not offer the Brazilian real as a currency. 

Cross border fees are set at 3% and are only applicable when you use your currency in a country other than the ones we offer. 

For more information on cross border fees, please visit our cross border payment page.

There are no charges when using your card in retailers in the country of the currency on the card. This means that a €20 purchase in Spain would cost you €20 and will be deducted from your euro balance. 

To avoid unnecessary charges to your card, wherever asked, you should always choose to pay for goods or withdraw cash in the currencies of your card. For example, if you are using the card in Spain you should always choose to pay in euro if offered a choice; choosing to pay in sterling (GBP) in this example would allow the merchant to exchange your transaction from euro to sterling. This would mean your transaction has gone through two exchange rate conversions, which will increase the total cost of your transaction. 

For loads in Great British pounds, a load commission fee of 1.5% will apply (min £3, max £50). A monthly maintenance fee of £2 will be deducted from your balance 12 months after your card expires. Expiration dates can be found on your TMC; all cards are valid for up to 3 years. 

A cash withdrawal fee will be charged when withdrawing cash from a UK Post Office branch or from any ATM globally that accepts Mastercard.  

We have listed all available currencies and their associated withdrawal limits and charges below: 

EUR – euro Max daily cash withdrawal: 450 EUR Withdrawal charge: 2 EUR

USD – US dollar Max daily cash withdrawal: 500 USD Withdrawal charge: 2.5 USD

AED – UAE dirham Max daily cash withdrawal: 1,700 AED Withdrawal charge: 8.5 AED

AUD – Australian dollar Max daily cash withdrawal: 700 AUD Withdrawal charge: 3 AUD

CAD – Canadian dollar Max daily cash withdrawal: 600 CAD Withdrawal charge: 3 CAD

CHF – Swiss franc Max daily cash withdrawal: 500 CHF Withdrawal charge: 2.5 CHF

CNY – Chinese yuan Max daily cash withdrawal: 2,500 CNY Withdrawal charge: 15 CNY

CZK – Czech koruna Max daily cash withdrawal: 9,000 CZK Withdrawal charge: 50 CZK

DKK – Danish krone Max daily cash withdrawal: 2,500 DKK Withdrawal charge: 12.50 DKK

GBP – Great British pound Max daily cash withdrawal: 300 GBP Withdrawal charge: 1.5 GBP

HKD – Hong Kong dollar Max daily cash withdrawal: 3,000 HKD Withdrawal charge: 15 HKD

HUF – Hungarian forint Max daily cash withdrawal: 110,000 HUF Withdrawal charge: 600 HUF

JPY – Japanese yen Max daily cash withdrawal: 40,000 JPY Withdrawal charge: 200 JPY

NOK – Norwegian krone Max daily cash withdrawal: 3,250 NOK Withdrawal charge: 20 NOK

NZD – New Zealand dollar Max daily cash withdrawal: 750 NZD Withdrawal charge: 3.5 NZD

PLN – Polish zloty Max daily cash withdrawal: 1,700 PLN Withdrawal charge: 8.5 PLN

SAR – Saudi riyal Max daily cash withdrawal: 1,500 SAR Withdrawal charge: 7.50 SAR

SEK – Swedish Krona Max daily cash withdrawal: 3,500 SEK Withdrawal charge: 20 SEK

SGD – Singapore dollar Max daily cash withdrawal: 500 SGD Withdrawal charge: 3 SGD

THB – Thai baht Max daily cash withdrawal: 17,000 THB Withdrawal charge: 80 THB

TRY – Turkish lira Max daily cash withdrawal: 1,500 TRY Withdrawal charge: 7 TRY

ZAR – South African rand Max daily cash withdrawal: 6,500 ZAR Withdrawal charge: 30 ZAR

Are there top-up limits?

Yes, all currencies have top-up limits and balances. See full information below, which is applicable to all currencies available on the Travel Money Card.

• Top-up limit: minimum £50 – maximum £5,000
• Maximum balance: £10,000 at any time, with a maximum annual balance of £30,000
• Read more Travel Money Card FAQs

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Find out more information by reading the  Post Office Travel Money Card's terms and conditions .

Post Office Travel Money Card is an electronic money product issued by First Rate Exchange Services Ltd pursuant to license by Mastercard International. First Rate Exchange Services Ltd, a company registered in England and Wales with number 4287490 whose registered office is Great West House, Great West Road, Brentford, TW8 9DF, (Financial Services Register No. 900412). Mastercard is a registered trademark, and the circles design is a trademark of Mastercard International Incorporated.

Post Office and the Post Office logo are registered trademarks of Post Office Limited.

Post Office Limited is registered in England and Wales. Registered number 2154540. Registered office: 100 Wood Street, London, EC2V 7ER. 

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Best Prepaid UK SIM Card for Travel in 2024

Traveling to the UK and wondering what is the best way to stay connected? Don’t waste money on high roaming costs or slow overseas data roaming plans. In this complete guide for finding the best  UK SIM card  for your trip, you will read everything you need to know about buying a prepaid SIM card in the UK.

Find out everything about the best 4G/5G network coverage, a comparison of the UK mobile internet providers, up to date prices as per March 2024, the best eSIM cards for the UK , where to buy a SIM card, all about EU roaming with UK prepaid SIM cards, international SIM cards and more.

Where to Buy a UK SIM Card

The easiest place to buy a SIM card in the  United Kingdom  is directly on arrival at the airport. It’s more expensive but very convenient. Check out my guides for buying a UK SIM card at London Heathrow, London Gatwick, Stansted, Luton or Manchester Airport and I will tell you exactly where to go, how much UK SIM cards cost at the airport, if you can get an eSIM card at the airport and more.

In this article you will find a UK SIM card comparison of all the pay-as-you-go deals from the mobile internet providers in the UK and the most well known MVNOs. All the prepaid SIM card deals mentioned can be bought in any official retail store or reseller shops across the UK.

Unfortunately as per March 2024 you can still only get physical prepaid SIM cards, there are no eSIMs for tourists available from the major providers. Are you looking for eSIMs for the UK? Then check out my comparison of the best eSIM cards for traveling to the UK in 2024.

Why You Need a Local UK SIM Card

Being a full-time nomadic travel blogger since 2012 and also trying to visit every country in the world, you can understand why I constantly change countries. In 2022 I visited a total of 62 different countries and in 2023 I traveled to 34 countries.

Nowadays I pretty much all the time use eSIM cards as they are the easiest way to stay connected, but sometimes I prefer local prepaid SIM cards, depending on my trip.

Looking for the best way to stay connected is the first thing I do when I get to a new country and I like to document my research for the best SIM cards and all my travel tips. On Traveltomtom you can already find more than 200 SIM card guides from all over the world: USA, Asia, Malaysia, Brazil, Cameroon, Kenya, South Africa, Costa Rica, Bali, Indonesia, Philippines, Australia.

But also places like New York, Paris, Rome, Amsterdam, Barcelona, Mexico, Canada, Panama, Thailand, Bangkok, Hong Kong, etc.

So next time you are planning your adventure abroad come check out Traveltomtom for the latest prepaid and eSIM card advice for your next holiday destination. Bookmark me!

My Recommendation

Traveltomtom recommends a Three (3) UK SIM card for traveling to the UK. For £20 GBP ($25 USD) you get 50 GB data for 30 days on one of the best 4G/5G data networks in the UK. Plus Three UK still offers (limited) free data-roaming in Europe with their prepaid SIM card plans.

None of the mobile internet providers in the UK offer eSIM cards for prepaid users. So tourists looking to get an eSIM card for the UK will have to order one online. But don’t worry… Traveltomtom wrote a complete guide for the best eSIM cards for traveling to the UK in 2024.

Best eSIM Cards for the UK

The easiest way to get internet on your phone when traveling to the UK in 2024 is an eSIM card. eSIM cards are Traveltomtom’s first recommendation on how to stay connected when traveling to the UK.

You can get a UK eSIM card with 30 GB data + unlimited calls in Europe for $44.90 USD. Or simply get an eSIM card for just $5 USD, the cheapest way to stay connected when traveling to the UK.

Traveltomtom recommends ordering UK eSIM cards via either Airalo, Nomad or SimOptions.

Traveltomtom has used Airalo countless times without ever facing a problem. Airalo offers eSIMs for pretty much every country in the world.

Check out the Airalo eSIM card plans for the UK in 2024:

• 1 GB data for 7 days = $5 USD
• 2 GB data for 15 days = $7.5 USD
• 3 GB data for 30 days = $10 USD
• 5 GB data for 30 days = $15 USD
• 10 GB data for 30 days = $22.5 USD
• 20 GB data for 30 days = $36 USD

Click here to directly order an Airalo eSIM card for the UK.

All the above eSIM cards for the UK from Airalo are data-only and calls are NOT supported. The data allowance is only valid in the UK, there is no free EU roaming with these eSIM cards. They operate on the 4G/LTE networks of O2 and Three.

SimOptions offers different kind of eSIM cards, so called international eSIMs. Traveltomtom has used SimOptions in more than 50 countries around the world.

If you are looking for UK eSIM cards that support call and texting as well as EU roaming then check out the following international eSIM cards for the UK from SimOptions:

• 15 GB data + unlimited calls for 15 days = $21.90 USD
• 10 GB data (5G ready) for 30 days = $24.90 USD
• 12 GB data + 30 minutes international + unlimited calls/text for 14 days = $29.90 USD
• 20 GB data for 30 days = $34.90 USD (data-only, no EU roaming)
• 30 GB data + unlimited calls for 30 days = $44.90 USD
• 30 GB data + 120 minutes international + unlimited calls/text for 14 days = $49.90 USD
• 50 GB data (5G ready) + unlimited calls/text for 28 days = $59.90 USD

Click here for more info or to order an international eSIM card for the UK via SimOptions.

Before ordering an eSIM card for the UK make sure your phone is eSIM compatible and unlocked. If not sure, contact your mobile internet provider in your home country before traveling to the UK.

For more info about using eSIM cards when traveling to the UK check out my guide with everything you need to know about UK eSIM cards, including up to date prices, a comparison of the best eSIM cards, my recommendations, more about UK eSIM cards with unlimited data, FAQs about eSIM cards and much more.

Do UK Prepaid SIM Cards Allow Free EU Roaming?

One of the best things the European Union came up with after the Euro was the ban on roaming charges within the EU countries. That means you can use a SIM card from Italy also in France, Spain, etc. without extra charges – so called free EU data roaming.

The UK was always part of this deal but unfortunately since Brexit most mobile internet providers in the UK stopped offering free EU roaming. That means if you buy a SIM card with 30 GB data in London and 2 days later you travel to Paris, your SIM card won’t work unless you pay an extra fee per day!

Only Three UK still offers free EU roaming on their prepaid SIM cards. Vodafone UK, EE and O2 started charging an extra fee for EU data roaming on their pay-as-you-go plans.

This makes UK prepaid SIM cards pretty useless for traveling to Europe. If you are traveling onwards in Europe after visiting the UK, you’re better off choosing one of the best SIM cards for traveling in Europe in 2024, which you can also use in the UK.

Read more info about EU roaming and all my tips and tricks in my guide for buying local SIM cards in Europe in 2024.

Mobile Internet Providers in the UK

There are 5 main mobile internet providers in the UK:

• Virgin Mobile

Virgin Mobile UK does not offer prepaid or pay-as-you-go SIM cards for tourists. All the other providers sell prepaid SIM cards, often called pay-as-you-go SIM cards in the UK.

On top of these main mobile internet providers, there are dozens of other local SIM cards available in smaller shops which I did not take into consideration, so called MVNOs. For tourists on a short stay I do not recommend any of these SIM cards. But you can check out Lebara or Lycamobile SIM cards for the UK. Sometimes they have good prepaid SIM card deals.

When arriving at London Heathrow, London Gatwick, London Stansted or London Luton Airport you are able to buy a Lebara SIM card or a Lycamobile SIM card at the airport. Both SIM cards also work fine for traveling in Europe. The problem is they have a lot of restrictions, surprises, hidden fees or very limited EU roaming, etc.

UK Prepaid SIM Card Comparison in 2024

Prices for prepaid SIM cards and data plans constantly change. Traveltomtom does everything in his power to keep all the information up to date. The below info and data plans are updated as per March 2024. Prices are in GBP: £1 GBP = $1.28 USD and $1 USD = £0.78 GBP.

Vodafone UK Pay As You Go SIM Card

Vodafone has 5 different UK prepaid SIM cards, so called pay-as-you-go plans. If you are not a heavy data user, the smallest plan with 7 GB will be enough to use data for keeping in touch, navigation, emails, etc. All plans are valid for 30 days, but only on 4G.

• 7 GB data + unlimited calling and texting = £10 GBP – $13 USD
• 20 GB data + unlimited calling and texting = £15 GBP
• 40 GB data + unlimited calling and texting = £20 GBP – $25 USD
• 100 GB data + unlimited calling and texting = £30 GBP

If you want to use the Vodafone 5G network and you are looking for a UK SIM card with unlimited data:

• Unlimited data + unlimited calling and texting = £40 GBP – $51 USD

There is NO free EU-roaming included anymore in the Vodafone pay-as-you-go prepaid SIM card. For using your data allowance in Europe you have to pay £2 GBP per day, £8 for 8 days or £15 GBP for 15 days. For some reason there is free roaming in Norway and Iceland.

Vodafone does NOT offer eSIM cards for prepaid users. For more info see the Vodafone UK website.

Three UK Prepaid SIM Card

There are 4 different Three UK SIM card plans for tourists available. Three UK SIM cards are free, no activation costs required and great thing is that they are all 5G ready at no extra costs.

• 10 GB data + unlimited calls/sms = £10 GBP – $13 USD
• 25 GB data + unlimited calls/sms = £15 GBP
• 50 GB data + unlimited calls/sms = £20 GBP – $25 USD
• Unlimited data + unlimited calls/sms = £35 GBP

Three UK still offers free EU roaming but it is limited. You can use up to 12 GB of your data allowance in the EU. Which is not bad at all and the most generous of all the UK prepaid SIM cards. See the Three UK website for all the details.

Three UK does NOT offer eSIM cards for prepaid customers.

O2 UK Pay As You Go SIM Card

O2 has 4 different pay-as-you-go SIM card plans for the UK:

• 7 GB data + unlimited calls/sms = £10 GBP – $13 USD
• 15 GB data + unlimited calls/sms = £15 GBP
• 100 GB data + unlimited calls/sms = £30 GBP

All plans are valid for 30 days and on the 4G network. O2 does not offer any 5G prepaid plans or unlimited data plans.

EU roaming is NOT included with O2 pay-as-you-go SIM cards. You need to pay an extra £1.99 GBP per day for using your UK data allowance in the EU. More info on the O2 UK website.

O2 does NOT support eSIM for prepaid customers.

EE Mobile Pay As You Go SIM Card

EE Mobile offers 3 different prepaid SIM card plans for the UK:

• 5 GB data + unlimited calls/sms = £10 GBP
• 20 GB data + unlimited calls/sms = £15 GBP
• 100 GB data + unlimited calls/sms = £25 GBP – $32 USD

EE Mobile sells the only UK SIM card with unlimited data:

• Unlimited data + unlimited calls/texts = £35 GBP

All the above EE SIM card plans are valid for 30 days and work on the 4G and 5G network.

There is no free EU roaming included on the EE pay-as-you-go SIM cards. You need to buy an add-on for EU roaming. For £3 GBP per day you get 500 MB daily. See the EE Mobile website for more details.

EE Mobile does NOT support eSIM for prepaid customers.

There are only a few prepaid  UK SIM card  providers to choose from, which makes it easy. Three UK is my recommended provider with the most generous data plans at the best prices.

If you want an eSIM card for traveling to the  United Kingdom , you will need to order one online before your trip as eSIM is not available for prepaid from any of the UK mobile providers.

No matter if you go for a physical SIM card or an eSIM, having data on your phone while traveling makes everything so much easier – from hailing cabs to checking maps, restaurant reviews, staying connected and more.

Public WiFi is available but is often slow, requires login, has time limits and is unsecured. It’s best not to rely solely on WiFi. Get yourself a local prepaid  UK SIM card  or eSIM and enjoy seamless, secure connectivity throughout your trip to the UK.

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Taking the train in Japan - all you need to know

Mar 28, 2024 • 11 min read

Find your way in Japan with our ultimate guide to rail travel © Chay_Tee / Shutterstock

You will fall passionately in love with trains in Japan .

Japanese people didn’t invent rail travel, but they arguably perfected it. Whether you’re on the newest shinkansen (bullet train) zooming across the country at 320km/h (199mph) or an elderly regional railcar, you can count on your train being scrupulously clean, safely operated, highly reliable, famously punctual and generally a joy to ride.

You can see almost the entire country by train, and with a wide variety of rail passes — including the iconic Japan Rail Pass — you can travel across Japan for less than US$50 per day, including the shinkansen.

Signs are in English even at the smallest stations, translation apps and devices are widely used for complicated questions, and staff are genuinely happy to help travelers.

Japan has an enormous number of train lines and kinds of train, but don’t be put off by the sheer volume: it’s surprisingly easy to navigate , even on your first trip, with your phone’s maps app and a sense of adventure.

There are different services on the Japanese train network

Trains run almost everywhere in Japan. The main backbone of the network, and the fastest, is the shinkansen. These bullet trains run from Hokkaidō  in the far north all the way to Tokyo Station , where you have to change for the shinkansen going to Nagoya , Kyoto , Osaka , Hiroshima and on to Kyushu. For travelers visiting Japan’s main sights , this will be the kind of train you take the most.

The next fastest are Limited Expess trains — “limited” as in “limited stops” — that run between cities and to rural areas on pre-shinkansen conventional lines (the non-high-speed ones). Many run through beautiful parts of Japan, so don’t count them out.

Local trains are the slowest and may even be as small as one single car. “Rapid” trains are fairly rare, and are essentially local trains that skip a few of the smaller stops.

Urban rail, commuter trains and subway lines are widespread in cities. These usually work very similarly to what you might be used to in your home country, although do watch out for limited-stop semi-expresses. The big picture transit maps can look a little intimidating, but most major cities now have a system of colors and station codes in place to help you navigate, and your phone's maps app is great for a quick idea of how to get from A to B.

Confident visitors outside major cities will love Joyful Trains, which are special tourist trains operated largely on weekends and holidays in rural areas. These might be renovated steam trains, or specially themed — JR East’s Koshino Shu’Kura is all about sake, including tastings, while the  JR Kyushu A Train is jazz-themed.

Japan’s train stations are destinations by themselves, with larger and newer stations offering a huge range of restaurants for every appetite and budget, and shops ranging from high-quality handmade artisanal local goods to Japanese malls to 100-yen stores. Convenience stores and pharmacies are also often on hand.

Do look out for special local snacks in the omiyage souvenir shops (these are intended for Japanese travelers to take back to friends and colleagues as presents) and for ekiben,  local specialty boxed bentō  lunches.

Travel short distances with a prepaid travel card

Coming from overseas, traveling short distances on Japanese railways often feels very inexpensive, while traveling longer distances without a rail pass can feel more costly. Let’s start with shorter distances.

Taking subways and urban rail is simple if you get an IC card – one of the many prepaid stored-value contactless cards – that works in a similar way to Oyster in London or Clipper in San Francisco: just tap on and tap off. Most rail operators across Japan will sell you their version, which are almost all interchangeable when it comes to loading and spending them — you can use an ICOCA card from the Osaka region in Tokyo , or a Pasmo from Tokyo in Sapporo . You can also use iPhones to get a virtual Suica card (JR East's version of a prepaid card) via the Wallet app and load it with money using Apple Pay. If you're using an international Visa card, be aware that JR East has had issues processing those payments in the past, so you may need to use a different credit card.

Travel long distances with the JR Pass

Over longer distances, the Japan Rail Pass (¥50,000 or about US$335 for seven days – less than US$50 a day!) is generally a good deal if you are planning anything more than simply Tokyo–Kyoto–Hiroshima–Tokyo, and the flexibility it gives you to take an earlier or later train is an added bonus.

You can either buy the ticket online or from an overseas travel agent. Note that you don’t actually buy the pass itself from overseas — you buy a voucher called an Exchange Order, which you then  exchange at a major station (including all international airports) for the pass itself. 

If you don’t have a pass, tickets cost the same no matter what time of day you travel, where you book, or how busy it will be — it’s not like airline tickets where that can change wildly. Most overseas travelers still use paper tickets for everything outside urban travel.

Long-distance travel fares are based on two elements:

• Ticket price, essentially the distance you travel
• Whether you want to reserve a seat or not, and in which class, if that’s available: Limited Express and Shinkansen trains will offer non-reserved seat tickets, a reserved seat in standard class, a reserved seat in the Green Car business class, or in some regions a reserved seat in Gran Class (first class).

Tickets can be bought at stations or at JR Travel Service Centers

Use Google Maps or the  Japan Transit Planner from Jorudan to find fares, or for JR trains visit your local JR station (look for the “green window” ticket booking office or a JR Travel Service Center), where you can also reserve a seat. At major airports and in Tokyo, you can expect some basic train-related English to be spoken by "green window" ticket agents. JR Travel Service Center staff tend to be more multilingual. Elsewhere, if you speak no Japanese you may well get lucky with someone who speaks English, and you can always lean on your phone's translation apps. Write down (on a printout or even just on your phone's notes app) the dates, times, destinations and details of the train you want, for example: "12 April, Tokyo–Osaka, 12:00, window seat, Mt Fuji side please."

Unless you’re visiting during a major Japanese holiday or want to take a specific Joyful Train, there’s little need to book before arriving in Japan. You can in some cases book online, but it’s pretty complicated and I wouldn’t recommend it to first-time visitors. If you’re confused and want English-speaking advice, head to  one of the stations that specializes in Japan Rail Passes . Only a few trains outside the JR network allow prebooking.

There are many rail passes to choose from

Japan has a wide variety of rail passes available to overseas visitors, from the JR Pass valid across the JR network (with a few exceptions like the very fastest trains west of Tokyo) to regional and commuter passes.

The most useful is the  Japan Rail Pass in its six variants: 7/14/21 days and standard car or Green Car business-class versions. This is probably what you should get your first time in Japan if traveling outside Tokyo.

Adventurous travelers and long-term visitors, or anyone wanting to go deep in a particular region, could also consider:

• The  various regional passes from JR East , including the very useful  Hokuriku Arch Pass for traveling the slower way between Tokyo and Osaka via Kyoto and Kanazawa
• The many  JR West Passes , including the  All Area Pass for most of western Honshu
• The  four JR Kyushu passes
• The  three JR Hokkaido passes  
• The  JR Shikoku ALL SHIKOKU pass

You’ll usually need to be visiting with the “temporary visitor” stamp in your passport, and there may be a small discount (a couple of thousand yen or US$5–10) for buying it online or outside Japan. Otherwise, check out the details online or visit a large station, including those at airports: the bigger, the better, and the more likely to have English-speaking assistance.

Train etiquette means not disturbing fellow travelers

Japanese urban trains can be famously crowded during rush-hour, but by and large even Tokyo is no worse than any major global city.

Even if crowded, the etiquette on a Japanese train is to be as quiet as possible and disturb others as little as possible: headphones on quiet, very little chatting, backpack on your front, give up your seat to anyone who needs it more than you.

There is something of a stereotype of loutish tourists yapping away to their traveling companions on long-distance trains. Try not to contribute to it. Separate your trash according to the recycling bins, and always leave the seat as clean and tidy as you found it.

Eating and drinking is fine (even encouraged!) on longer distance trains. General rule: if the seats are subway-style along the sides of the car facing inwards then don’t, but feel free if the seats are airline-style facing forwards. If in doubt, follow the lead of the nearest senior Japanese person.

On-board facilities vary depending on the service

With the exception of the Joyful Train tourist excursion services, Japanese trains don’t have buffet cars any more, although you can see what they used to look like at several of Japan’s excellent railway museums. A shrinking number of trains still have a trolley service offering snacks, sometimes bentō  and a variety of drinks.

Good news, though: any station smaller than the tiniest rural halt will have a convenience store inside or nearby, which will offer bentō , hot meals, snacks, drinks and essentials. Many larger stations have restaurant complexes, while some smaller ones will have delightful smaller options like a soba or ramen shop.

Long-distance trains will usually have toilet facilities, with newer ones (including all shinkansen and some Limited Expresses) having excellent facilities for disabled passengers, people with reduced mobility and often ostomy facilities too.

Shinkansen and newer Limited Expresses offer two-pin US-style 110V charging ports, while wi-fi is also increasingly available and easy to use.

Most Japanese trains are not set up for luggage bigger than a small carry-on — and “small” here does not include a US-sized rollaboard or anything like a bicycle. On some trains you have to pre-reserve anything bigger. Take advantage of the nationwide luggage shipping services like Yamato  – known as Kuroneko Yamato for its black (kuro) cat (neko) logo – that ships larger bags for US$10–20.

These are the best seats for great views

Always take a window seat, whether you’re gazing out on Japan’s sprawling megalopolises from an urban train, watching the country fly by at 320km/h (199mph) from a shinkansen, or enjoying picturesque views from a slow rural train.

On the shinkansen, if you want the best mountain views — including the iconic Mt Fuji between Tokyo and Shizuoka — select a window E seat in standard class and a D seat in the Green Car.

Limited Expresses are wonderful for countryside views, with the  Hida from Nagoya to Toyama through the Japanese Alps and the Inaho from Niigata to Akita just two great examples.

Ask for help when navigating busy city networks

Urban trains, commuter rail and subways may have a set of complicated and confusing names with different stopping patterns, especially during rush hour, but this is no worse than figuring out what a “Watford Semi-Fast” is on London’s Tube or how skip-stop works on the subway in New York. As a visitor, just ask station staff or, in a pinch, a fellow passenger — and be prepared to get on the wrong train with a confident smile and a sense of affable adventure.

The majority of trains are wheelchair accessible

A significant majority of intercity, urban rail and subway stations in most major cities (80–90% in Tokyo  according to official numbers ) are accessible for wheelchair users, with elevators, stair-climber lifts, and ramps widespread. 

Older stations, such as the main Tokyo Station, may be complex and accessible only from certain entrances. Tactile strips to assist blind people or those with reduced visual acuity are almost everywhere. 

Accessible Japan is an excellent resource for information, while the very detailed  For Safe and Convenient Accessibility website offers route and station search as well as  contact details for further assistance. Station staff are keen to help wherever they can.

Many trains offer wheelchair positions, level boarding, with ramps available if you need them. Urban rail and subways have priority seating, and Japan developed the  Help Mark badge system for people with invisible disabilities to easily signal their needs. The badge is  free from a number of locations in Tokyo , under US$10 from Amazon Japan (consider having it delivered to your first night hotel), or you can DIY your own before leaving home.

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Zaggle has also partnered with riya travel & tours (india) and easemytrip to provide integrated travel and expense management solutions to corporate clients. avinash godkhindi, co-promoter, md & ceo, of the company highlighted the importance of these partnerships in offering a variety of travel options seamlessly through zaggle's expense management solution..

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