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The 6 Best Travel Cards for Europe in 2024

If you’re traveling to Europe, a travel money card can make spending and withdrawing cash when you’re away cheaper and more convenient. 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 Europe

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 euros, as well as a diverse range of other European and world currencies.

Wise accounts have the flexibility to hold and exchange more than 40 currencies, plus you can get a linked Wise card for a one-time delivery fee. You can either top up your account in dollars and switch to EUR, RON, HUF, NOK, DKK, SEK or any of the other supported European currencies before you travel, or you can let the card automatically switch currencies as required. All currency conversion uses the mid-market exchange rate, with fees from as low as 0.43%. 

You can also get EUR , RON and HUF bank account details, as well as local account details for up to 7 other currencies, to receive payments easily to your Wise account . 

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. 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 Europe 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 Europe 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 Europe

Travel debit cards are usually offered by specialist providers, with linked digital accounts you can use to hold and convert a currency balance. 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 Europe. 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 EUR and 40+ other currencies, convert between them with the mid-market rate
  • Get local account details to receive EUR and 8 other currencies

Travel debit card Option 2: Revolut

Revolut has a selection of different account tiers, so you can simply pick the account you prefer - from no-fee Standard plans 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 including EUR, and convert currencies with the mid-market rate to your plan’s allowance. 

  • No fee to 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 no-fee applied currency conversion with 0.5% fair usage fees after that
  • Standard plan holders can withdraw 400 USD overseas per month without paying fees
  • Hold EUR and around 25 other currencies

Pros and cons of using debit travel cards in Europe

How to choose the best travel debit card for europe.

The best travel debit card for Europe 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 as well as EUR, 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 Europe?

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 Europe

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 Europe

How to choose the best travel prepaid card for europe.

There’s no single best travel prepaid card for Europe - it’ll come down to your personal preference. If you’re looking specifically for a prepaid debit card you can use in Europe 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 Europe?

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 Europe

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 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 Europe

How to choose the best travel credit card for europe.

The best travel credit card for Europe will depend on your personal preferences. If you’re interested in earning rewards and cash back on your overseas spending, 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.

If you are looking to get more information about the country that you're travelling to, you can check out our travel card guides:

  • Best travel cards for Spain
  • Best travel cards for Italy
  • Best travel cards for France
  • Best travel cards for Turkey
  • Best travel cards for Canada

Which cards are accepted in Europe?

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. 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.

Related:  How to buy Euro in the US

Conclusion: Which travel money card is best for Europe?

If you’ve planned travel to Europe you might want to pick a travel money card for EUR spending, or to spend in any of the other currencies used in European countries, like Polish zloty or Bulgarian lev. 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 account. 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

FAQ - Best travel cards for Europe 2024

1. Which card is best to use in Europe?

There’s no single best card to use in Europe. Which is right for you will depend on your preferences and where exactly you’re headed to. While many countries in Europe use euros, there are also quite a lot of other currencies - so having a multi-currency account from a provider like Wise or Revolut can be a good bet as you’ll be able to hold and exchange EUR alongside dozens of other major currencies for convenience.

Related: Best Euro cards

2. What is the best way to pay when traveling in Europe?

Spending with your card is convenient when traveling in Europe, 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 euros in advance so you have some cash on you for those times when cards aren’t available.

3. Can you withdraw cash with a credit card in Europe?

You can usually make cash withdrawals with a credit card in Europe 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 in EUR.

4. Can I use a US card in Europe?

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 Europe, making these good options to look out for when you pick your travel debit card for Europe.

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.

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Europe Backpacker

Travel Cards for Europe – The Best Options for Travellers! 

Wallet with Euros and Travel Cards for Europe

Choosing the right travel card for Europe can be complicated. There are a lot of factors to consider: exchange rates, fees for spending or withdrawing, type of card, payment processors, plus travel rewards and perks. 

Get it right and you’ll be a budgeting ninja – you’ll know exactly how much you’ve spent and how you’re going to pay for everything you need. Get it wrong and you’ll be more clumsy clown than ninja! Hefty bank fees, poor exchange rates and potentially being unable to access your hard-earned money are all risks you take when you pick the wrong bank card for European travel. 

We’ve trawled the internet for information about travel money cards, so you don’t have to. This research, combined with our own experiences and recommendations from our backpacking community on the ground, has helped us put together this shortlist of the best travel money cards for Europe.

Top Three European Travel Cards 

Revolut

  • Available to European Economic Area residents.
  • Limited fee-free withdrawals.
  • Use the interbank exchange rate.

Starling

  • Only available to UK residents. 
  • Unlimited fee-free withdrawals
  • Use the Mastercard exchange rate.

Wise

  • Fee-free withdrawals depending on the country the card was issued in.
  • Multi-currency accounts.
  • Low fees when transferring money. 

Related: (links open in a new tab)

  • Cheapest Cities in Europe
  • Cheapest Countries in Europe
  • Europe Budget Guide

Types of Travel Card for Europe

Debit cards for travel .

You’re bound to be familiar with debit cards. They’re provided with almost every current account as standard. The idea is that money is taken from your account as soon as it’s spent, making it easy to keep track and avoid spending more than you can afford. But not all debit cards are created equal. 

Many traditional banks charge ridiculous fees for using your card abroad or withdrawing money from foreign ATMs. On top of this, they often deliver a poor exchange rate, meaning the bank profits from you swapping your money into a foreign currency. 

Revolut Debit Card

Travel debit cards from digital or challenger banks tend to be much better for use in Europe. There are very few charges and you can usually withdraw at least some cash without paying foreign withdrawal fees. The exchange rate at challenger banks tends to be better too, often sticking to the official Mastercard or interbank rate. This means you can be sure the bank isn’t profiting from you needing some euros! 

Prepaid Travel Cards for Europe 

A prepaid travel card is essentially a debit card that needs to be topped up from your bank account. You can top them up using online banking, via an app or in certain stores and establishments. When the funds are loaded, you can use the card as a regular debit card. 

Until the relatively recent rise of digital banks, prepaid euro cards were an excellent choice for anyone travelling the continent. While they still have plenty of fees attached, they’re cheaper than traditional banks. However, with the swell of challenger banks offering excellent debit cards for travel, there’s no real need to use a prepaid card anymore.

iPhone and Credit/Debit/Prepaid Card

If you do opt for a prepaid euro card, ensure you understand the fees and exchange rates. Prepaid cards that take multiple currencies may offer a fantastic exchange rate if you convert the money to euros straight away. But, if you load the card with your home currency, the exchange rate for each foreign transaction is generally much worse. It’s also worth noting that some even charge you to a small fee to top up! 

Credit Cards for Travel in Europe

Travel credit cards are an excellent way to save money in Europe – but only if you’re careful! Make sure you pay off the balance each month. If you don’t, the interest you’ll need to pay will negate any savings you’d otherwise make. 

Most credit cards for travel offer fee-free transactions, no matter where you are in Europe. However, very few offer fee-free cash withdrawals – and even if they do, there is usually a higher interest rate attached to withdrawing cash on a credit card.

American Express Credit Card for Europe

As well as fee-free transactions, travel credit cards tend to offer points for every pound, dollar or euro you spend. These points add up over time and can be redeemed for air miles, hotel stays and a range of other incentives, including cold hard cash! Exactly what is on offer will depend on your credit card provider, so shop around to make sure you get the best deal! 

Direct Debit Travel Card 

Direct debit travel cards offer a unique way to save money in Europe: simpler than opening a new bank account, easier than getting a new credit card and far less faff than choosing a good prepaid euro card, direct debit travel cards are changing the game. 

They connect to your normal bank account and you use them as a traditional debit card. The only difference is that the transaction goes through the travel card provider who act as an intermediary between your bank and the card machine you’re using. This step means your bank won’t charge you foreign transaction fees, saving you a small fortune! 

The Best Money Cards for Europe!

  • Available to customers from the European Economic Area as well as many more countries!
  • Multi-currency accounts on offer
  • Limited free foreign withdrawals

Available to customers from many countries – As well as being available to anyone with an address in the European Economic Area , Revolut offer accounts to anyone from Australia, New Zealand, Singapore, Switzerland, UK, USA, Japan and Brazil. Revolut also offer ‘lite’ accounts to customers from other countries too! 

Visa or Mastercard – Whether you get a Mastercard or Visa Revolut debit card will depend on where you live and where your account is registered. Both Visa and Mastercard work across Europe, so you won’t have an issue with either! 

Spending and Withdrawals – Revolut allow you to withdraw £200GBP ( the exact amount may be slightly different in your local currency ), or make five withdrawals per month fee-free. After this, a 2% cash withdrawal fee kicks in. You also get limited fee-free card transactions each month. The first £1000GBP spent on your card (not including cash withdrawals) comes with no additional fees. After the first £1000GBP, a 0.5-1% fee applies to every transaction. With Revolut’s paid accounts, the withdrawal and spending limits are higher. 

App-Based – Revolt offer full control of your account through the app. You can open a current account, multi-currency account, invest, lock the card and create single-use digital debit cards all from the comfort of your sofa – no more needing to queue up at the bank to tell them you’re going travelling! 

Accommodation Bookings – Revolut Stays allows you to book accommodation through the Revolut app and get 3-10% cashback!

  • Free foreign withdrawals
  • Deluxe accounts available for an additional fee
  • Uses the interbank exchange rate
  • Free withdrawals are limited to a certain amount of money each month
  • Exchange rate changes at the weekend
  • Fee-free foreign spending is limited

Starling Bank

Starling Bank

  • Fee-free foreign withdrawals and transactions
  • Uses the Mastercard exchange rate 
  • Account set-up is quick and easy

Withdrawals – Starling allow you to withdraw up to £300GBP or make six withdrawals per day . There are no foreign withdrawal fees and Starling uses the Mastercard exchange rate with no markup. There are also no fees for using your card to pay directly when in Europe!

Ethical Banking – Starling seem determined to do things differently. They have clear ethical and environmental goals laid out on their website . While your typical high street bank is investing your money in firearms, tobacco, alcohol and fossil fuels, Starling opt for ethical investing! 

Works Across Europe – Starling Bank provide a Mastercard with their accounts. This works almost everywhere in Europe! 

Helps You Budget – Thanks to spending notifications, spending categories, saving spaces and goals, Starling helps you accurately budget before and during your trip. You can create a virtual debit card for each saving space, allowing you to closely monitor your spending while you travel in Europe!

  • No fees on foreign spending or withdrawals
  • Easily replaces your traditional bank
  • Full control from your phone
  • Only available to those with a UK address

Wise

  • No fee for foreign transactions
  • Multi-currency account – hold up to 50 currencies at once
  • Some free foreign withdrawals – the exact amount depends on where you live and where the account is registered

Perfect for Digital Nomads – If your work involves clients in multiple countries, Wise has you covered. A Wise account allows you to be paid in and store multiple currencies. 

Visa or Mastercard – Wise provide either a Visa or Mastercard depending on where you live and where your account is registered. However, not all Wise customers are eligible for a debit card with their account, this also depends where you live. See the full list of card-eligible countries here . 

Fees for Withdrawing Cash – Wise offer some free cash withdrawals each month. The exact amount you can withdraw before incurring fees depends on where you live and where the account the registered. 

Fees for Foreign Transactions – Wise allow you to spend money on your card fee-free but only if you have the correct currencies stored in your account. If not, they charge a small conversion fee for each transaction. 

  • Available to residents of almost every country
  • Can store and spend multiple currencies with one account
  • Low international transfer fees
  • Not all accounts come with a debit card (it depends on where you live)
  • The card doesn’t work in every country

Chime

  • No foreign transaction fees
  • Uses Visa’s live exchange rate
  • Works in all European countries

Fees – Although you can access a network of over 60,000 ATMs fee-free in the USA, you’ll need to pay a $2.50USD fee to withdraw money abroad with your Chime debit card. However, there are no international transaction fees with Chime, so you can pay for things on your card without having to stump up for an additional fee. 

Exchange Rate – When spending abroad with your Chime debit card, you’ll get the live Visa exchange rate. While fractionally worse than the Mastercard exchange rate, it’s still much better than using a money changer or letting traditional banks dictate the exchange rate. Remember to always pay in the local currency if you see the option on an ATM or card terminal! 

App and Website – Both Chime’s smartphone app and website give you an excellent level of control of your account. Make sure you enable international spending either through the app or website, so you can use the card abroad! Failure to do so will prevent the card from working and could see Chime block the card due to suspicious activity! 

Withdrawal Limit – Chime offer a generous $500USD daily withdrawal limit. If you’re withdrawing money abroad, you should withdraw the maximum possible to reduce the frequency you’ll be paying the $2.50USD foreign withdrawal fee!

  • No rolling monthly fee
  • High daily withdrawal limits
  • Easy to control your account through the app or website
  • Only available to customers in the USA
  • No contactless card payments possible (does work with Apple and Google Pay though)
  • Not all online payments are supported by Chime

Currensea

  • Connects with your traditional bank account
  • Use the Currensea card as you would a normal debit card
  • Removes foreign transaction fees usually levied from your bank

Easy to Use – While getting another travel card or opening a new bank account can feel like a hassle, Currensea making spending money in Europe easy! Thanks to open banking laws, a Currensea direct debit travel card hooks straight into your bank account, allowing you to spend money with reduced fees while abroad. Simply use the card as you would your normal debit card and Currensea handle the rest!

Different Plans – Currensea offer three different plans. The free plan offers everything you need for a shorter trip but if you travel a lot, getting either the Premium or Elite plan gives you access to better exchange rates, larger fee-free withdrawals and a range of other perks such as hire car discounts, hotel bonuses and even airport lounge access with the Elite card! 

Mastercard – The Currensea direct debit travel card is powered by Mastercard. This means you can use it anywhere that accepts Mastercard (almost everywhere in Europe)!

  • No need to set up a new account
  • Up to £500GBP fee-free withdrawal each month
  • Different plans available depending on your needs
  • Small fees for foreign withdrawals after the £500GBP limit is reached
  • 0.5% foreign transaction fee with the free account (no transaction fee with paid accounts)
  • Still leaves you reliant on your major high street bank

Prepaid Euro Cards 

While not necessary in the age of digital banks and FinTech companies, prepaid euro cards are still relatively popular – more popular than they deserve to be, honestly. 

Prepaid travel cards tend to have lower fees than your traditional high street bank but the costs are higher than opting for a digital bank or even a direct debit travel card. Some prepaid cards also have nasty hidden fees, such as a fee for loading money onto the card, or a fee for getting any leftover money back after your trip. 

We don’t like to recommend prepaid travel cards because they serve little purpose in today’s digital world but in case you’ve already made up your mind, these are the most popular options among travellers to Europe! 

  • Travelex – Best for Travellers from the USA
  • Monese – Top Choice for Travellers from the UK
  • Fair FX – Top Choice for Travellers from the EU
  • PayPal Prepaid Mastercard – Another Good Option for Travellers from The USA

Travel Money Cards for Europe – Your Questions Answered! 

Which cards are accepted in europe.

Mastercard and Visa cards are widely accepted throughout Europe and the rest of the world. You may have a hard time using an American Express card in Europe, although they’re more common than they used to be. Discover cards are less accepted than American Express. If you only have a Discover or American Express card, we recommend supplementing your wallet with a Mastercard or Visa as well! 

What is a Travel Card?

Travel cards allow you to access your money, either via card transactions or an ATM, abroad, without incurring high fees from your traditional bank. They come in different forms:

– Travel Credit Cards – Usually just regular credit cards with low or no foreign use fees and often include travel-based incentives like air miles or discounts on hotel stays.  – Travel Debit Cards – Can be used like a normal debit card. Often travel debit cards are supplied by a travel-friendly bank but you can also get prepaid travel debit cards that you top up from your traditional bank. You can also get direct debit travel cards which connect to your traditional bank and allow you to bypass your bank’s fees.

Travel Cards for Europe – A Round-Up

Getting the right travel card for Europe won’t make or break your trip but it can mean the difference of a few hundred dollars, even over a couple of weeks of travelling! For a longer adventure, the savings you’ll make will allow you to upgrade your accommodation choices or treat yourself to good restaurants while you travel!

It really is a no-brainer! Grab your travel card, book your flight and head to Europe for a backpacking trip to remember!  Have we missed your favourite travel card from our list? Let us know in the comments below!

Tim's Author Image

Tim Ashdown | Writer and Gear Specialist

After a life-changing motorcycle accident, Tim decided life was too short to stay cooped up in his home county of Norfolk, UK. Since then, he has travelled Southeast Asia, walked the Camino de Santiago and backpacked South America. His first book,  From Paralysis to Santiago,  chronicles his struggle to recover from the motorcycle accident and will be released later this year.

  • Travel Advice

Travel money cards were ranked in order of highest value of USD/ euros after fees and conversions

HERE’S a list of the Top 10 best travel money cards to use when holidaying in the United States and Europe, revealing the least withdrawal fees.

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WHEN it comes to travelling there’s lots to tick off the “to-do” list and more often than not, travel money cards become an afterthought.

But don’t be lazy, that’s the advice from comparative site finder.com.au ’s money expert Bessie Hassan, who says by settling for your standard credit or debit card it can leave you with plenty of unsuspecting fees .

“Taking your everyday credit or debit card on holiday instead of getting a travel money card will mean you’ll be charged on average 3 per cent per transaction,” Ms Hassan said. “That’s a lot in fees so don’t be lazy or leave it to the last minute.”

Most people will turn to their avid travelling mate for advice on which banks provide the best travel cards and according to the site that’s Travelex Money Card and ANZ Travel Card.

The Best Travel Money Card analysis also revealed that NAB’s Traveller Card was the only one not to have any fees, but it ranked fifth for not offering as much as the others when converting $10,000 to US dollars and euros.

Unfortunately for some travellers, it’s not until they check out of that luxurious hotel on the Amalfi Coast or go on that major shopping spree in Hawaii, when they realise their everyday card has clocked a bunch of fees.

Ms Hassan said prepaid travel money cards are often a better alternative than taking your standard card as you can load it with different currencies at a locked-in exchange rate.

“Often, you can load up to 10 different currencies on the card and they typically come with fewer fees, such as $0 foreign currency conversion fees,” she said.

“Travel money cards protect you from exchange rate fluctuations while you’re travelling, and they also help you better stick to your budget.”

Finder.com.au has revealed the Top 10 travel money cards to use in the United States and Europe.

TRAVELLING TO AMERICA

Based on the lowest withdrawal fees, reload fees and initial load fees, the best travel money card is Travelex, according to the finder.com.au.

It topped its Best Travel Money Card survey for having no ATM fees when it comes to withdrawing money and gives you the most when converting $AU10,000 to US dollars at $7140.

While the NAB Traveller Card was the only one out of the 10 to not have any withdrawal, reload or initial loading fees, it gives you $US7,066 when converting it from $10,000 (that’s $US74 less than Travelex) — ranking it as fifth on the list.

ANZ Travel Card came in second, followed by CBA and Suncorp.

All three slapped customers with a $AU3.50 withdrawal fee but gave the most US dollars when converting $AU10,000.

Westpac Global Currency Card had a $AU2.00 withdrawal fee and Qantas came second, behind Tavelex and NAB for having the least overall fees, but respectively came sixth and seventh on the list when it came to converting it to $US10,000.

Travel Money Oz had a $AU3.50 withdrawal fee and the highest reload fee at 1.10 per cent.

Finder.com.au assessed the travel money cards based on fees and conversion rates then ranked them in order of the highest value of US dollars after fees and conversions.

TRAVELLING TO EUROPE

Based on the lowest withdrawal fees, reload fees and initial load fees, the best travel money card is the ANZ Travel Card, according to finder.com.au.

Please note, the ranking in the euro table is different when compared to the USD table due to the conversion rate.

Again, NAB Traveller Card was the only one out of the 10 with no fees.

It only ranked fifth for giving €95 less than ANZ’s card when converting it euros (€6,047 compared to ANZ’s €6,142).

In second spot was Travelex Money Card which also had no additional fees, except a 1 per cent reload fee.

Suncorp Cash Passport Platinum and CBA Travel Money Card both have $3.50 ATM withdrawal fees but no reload or initial load fees, ranking them in third and fourth place.

Westpac Global Currency Card and Qantas Cash followed Travelex and NAB for having the lows withdrawal fees at $2.00 and $1.95 respectively, but their overall currency conversion offered less than those who had the higher withdrawal fees.

Travel Money Oz had the most all-round fees, offering just €5,988 when converting $10,000, compared to ANZ at €6,142.

But it was AusPost Cash Passport that ranked 10 for its $AU3.50 withdrawal fee combined with its currency conversion of €5,951 which was €191 less than ANZ.

Finder.com.au accessed the travel money cards based on fees and conversion rates then ranked them in order of the highest value of euros after fees and conversions.

TOP TIPS — finder.com.au

  • The right travel money card depends on your personal situation, including your destination, the length of your trip, and the features you value most.
  • Opt for a travel money card with $0 conversion or ATM withdrawal fees, and one that supports the currencies you’ll need.
  • Be cautious of fees including initial load fees and inactivity fees that may apply to ensure you get the most cost-effective product.
  • If you choose a card with an inactivity fee, make sure to take any remaining funds off your card when you get home as fees can result in your money dripping away unnoticed.

BIGGEST MISTAKES — finder.com.au

  • Taking your everyday credit or debit card on holiday instead of getting a travel money card will mean you’ll be charged on average 3 per cent per transaction.
  • Withdrawing too little from the ATM — having to find an ATM when you’re travelling is not only annoying when but will add up if your bank charges international ATM fees.
  • Not all travel cards give you the same exchange rates, and while only 1c seems small, it can add up substantially if you’re converting thousands of dollars so don’t forget to compare the exchange rates between providers.
  • Using a card with foreign transaction fees — by using a card with no international transaction fees you’ll save on ATM fees. Depending on where you’re travelling to, it may also be safer and more convenient than having to carry cash.

THE MAIN FEES TO LOOK OUT FOR — finder.com.au

  • Initial load fee: Depending on the card, you might be charged a fee (such as a percentage of the loading amount) when you first load funds on the card.
  • Reload fees: If the card doesn’t charge an initial load fee, it may charge another fee each time you load funds on the card. If this is the case, you might want to reconsider how often you reload the card.
  • ATM withdrawal fees: Some cards will charge a different ATM withdrawal fee depending on where you’re withdrawing your cash. If the bank provider belongs to an ATM alliance, you might be able to avoid ATM withdrawal fees from the issuer. It’s important to note that local ATM fees may still apply.
  • Inactivity fee: An inactivity fee is charged if you don’t use the card (usually after 12 months) and there’s money remaining on the account.
  • Currency conversion fees: Charged when you make a purchase overseas.

Bali has introduced a new fee foreign tourists must pay to enter the popular island and Australians are set to contribute the most.

The entry requirements for Bali are changing from February 14. Here is what you need to do before you arrive.

It’s long been regarded as a cheap holiday option but camping families are outraged over the hidden costs of enjoying their favourite getaway.

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How to Choose a Credit Card for Europe Travel

Carissa Rawson

Many or all of the products featured here are from our partners who compensate us. This influences which products we write about and where and how the product appears on a page. However, this does not influence our evaluations. Our opinions are our own. Here is a list of our partners and here's how we make money .

Table of Contents

For booking your Europe trip

When traveling within europe, other questions to ask, if you want to pack a new credit card for your next trip to europe.

So you’ve finally started planning a trip to Europe. You’ve figured out which countries you’d like to visit, you’re itching to try on that new beret you just purchased, and you’re wondering — what is the best credit card for Europe travel?

The U.S. credit card market is overflowing with cards competing for your attention, which may make it seem confusing when it comes time to actually, well, buy anything. We break it all down to find out the best travel credit cards for Europe, both before and during your trip.

The best time to figure out your travel credit card strategy is before you actually begin to buy anything for your trip. Why? Because travel rewards credit cards offer some of the most lucrative sign-up bonuses .

With a large trip to Europe on the horizon, you’ll ideally want to give yourself enough time to earn the bonus and wait for the points or miles to be deposited into your account (so that you can redeem them for hotels, flights and more).

» Learn more: Why you should get your new travel card 6 months ahead of your trip

Travel credit cards

If want to purchase airfare, hotel rooms, train tickets, a rental car or gas, you’ll want a credit card that maximizes returns on all of these. In this case, your best bet is the Chase Sapphire Reserve® . After the first $300 is spent on travel purchases annually, the card earns 5x points on flights, 10x points on hotels and car rentals, and 10x points on Chase Dining purchases made through Chase Ultimate Rewards® .

With a broad definition of what counts as “travel,” the Chase Sapphire Reserve® also earns 3x points on other travel worldwide, including dining at restaurants, via delivery services or takeout. Since the card earns 1x points on all other purchases, it can give Europe-bound travelers some serious value.

In addition to great bonus categories, this card also features premium benefits to ease your travel experience, including Priority Pass airport lounge access and a Global Entry, NEXUS or TSA PreCheck fee credit.

The Chase Sapphire Reserve® comes with a hefty annual fee of $550 , which may be off-putting to some. In that case, the Chase Sapphire Preferred® Card offers the same broad definition of travel and 2x bonus points per dollar while charging only a $95 annual fee.

» Learn more: How to maximize Chase Ultimate Rewards®

Once you get to Europe, you might actually spend more on dining and activities than travel. Take a look at the best credit cards to use during your trip.

No foreign transaction fee credit cards

First and foremost, you’re going to want to find a credit card that doesn’t charge any foreign transaction fees . These fees can add up to 3% onto your bill simply for using your card outside the U.S. Thankfully, many credit cards don’t charge foreign transaction fees.

If you already have a credit card, you can check if it charges foreign transaction fees online. Otherwise, there are plenty of cards that’ll waive these fees, including our top pick for bonus travel rewards , the Chase Sapphire Preferred® Card .

Entertainment rewards credit cards

Odds are that once you’re abroad, you’re not going to sit around in your accommodations all day. Whether you’re heading out to the Mona Lisa or spending the day at Disneyland Paris, you’ll want a credit card that’ll maximize every dollar you spend. If you’re willing to pay the $95 annual fee, the Capital One Savor Cash Rewards Credit Card will give you a generous 4% cash back on entertainment — and it counts plenty of things as entertainment. These include tourist attractions, movie theaters, amusement parks, theatrical promoters, aquariums, zoos, bowling alleys and even dance halls.

If you’d rather skip the annual fee entirely, you can still earn rewards with a card like the Capital One SavorOne Cash Rewards Credit Card , which offers a respectable 3% cash back on entertainment without costing you a dime.

» Learn more: A guide to travel credit cards for beginners

Restaurant rewards credit cards

Depending on how you travel, you may spend a lot of money dining out.

If you already used one of the Chase Sapphire cards to book the trip, you’re covered on eating out as well. This is because the Chase Sapphire Reserve® and the Chase Sapphire Preferred® Card offer 3x bonus points per dollar on dining. Basically, if you want to spend on only one card before and during your Europe trip, pick a Chase Sapphire card.

If you’re simply looking for the maximum amount of earnings on your restaurant spend, the American Express® Gold Card with a $250 annual fee may look appealing to you. This card earns 4x points on dining worldwide, but American Express cards may not be accepted as widely as Mastercards and Visas in Europe. It’s better to have one of the Chase cards (Visa) or the Capital One Savor cards (Mastercard) just in case a restaurant you dine in doesn’t accept AmEx. Terms apply.

» Learn more: What are travel points worth and why do they matter?

Before you make your selection, ask yourself these questions.

What benefits do you already have?

It may not make sense to immediately jump to the conclusion that you need a new credit card. Instead, look at your current points strategy. Do you already have a card with no foreign transaction fees? Do you have enough points to book the flight or hotel?

For example, if you already have a Chase Sapphire card, you might consider getting another card in the Chase trifecta . You could earn a chunk of points through a sign-up bonus on another card that earns Chase Ultimate Rewards®, then transfer those points to your Sapphire so you can redeem them at the higher rate for travel.

» Learn more: Cash back vs. travel: How to choose credit card rewards

How many credit cards are you willing to get?

We’ve recommended several different credit cards that excel in certain categories. If you’re not averse to multiple credit cards, you can really maximize the points you’ll earn during your trip by applying for a few different cards to get before your trip.

If not, you’ll want to pick a single card whose bonus categories most closely overlap with your predicted travel expenses.

Keep in mind the unwritten Chase 5/24 rule , which may curb the number of credit cards you can be approved for in a 24-month period.

What kind of annual fee are you willing to pay?

The credit cards with the most perks come with the highest annual fees. If you want all the bells and whistles (high earning rates, lounge access, Global Entry membership, etc.), you’ll likely need to shell out for a card with a high annual fee.

» Learn more: How to pick a premium travel credit card

How long do you have until your trip?

If you’re nearly ready to travel, you likely won’t have time to get more than one credit card, let alone spend enough money to earn multiple welcome bonuses. Consider this before applying for any credit cards.

How confident are you in your booking?

If you're worried your plans may change or go awry, travel insurance might help. This optional standalone insurance can be purchased separately from your other travel expenses.

But you might not even need to pay out-of-pocket for trip insurance because many credit cards offer travel insurance as a built-in benefit to customers who pay for travel expenses on that card.

Sometimes, though, not even trip insurance will guarantee a refund. Unless you’ve purchased a Cancel For Any Reason policy , which is usually more expensive, you’re only entitled to a refund if you cancel for a covered reason.

There are several ways to slice and dice the question of which credit card is best for a European vacation.

If your goal is to redeem travel rewards for your vacation, apply for a new credit card at least six months in advance .

If your goal is to earn rewards on your travel expenses, consider applying for a travel credit card ahead of booking your accommodations and flights.

Advanced travel credit card users might further optimize their wallets by including cards for specific in-country travel expenses, like entertainment or dining, and that are widely accepted overseas.

Above all, get a card that won’t ding you with foreign transaction fees.

The information related to the Capital One Savor Cash Rewards Credit Card and Capital One SavorOne Cash Rewards Credit Card has been collected by NerdWallet and has not been reviewed or provided by the issuer of this card.

How to maximize your rewards

You want a travel credit card that prioritizes what’s important to you. Here are our picks for the best travel credit cards of 2024 , including those best for:

Flexibility, point transfers and a large bonus: Chase Sapphire Preferred® Card

No annual fee: Bank of America® Travel Rewards credit card

Flat-rate travel rewards: Capital One Venture Rewards Credit Card

Bonus travel rewards and high-end perks: Chase Sapphire Reserve®

Luxury perks: The Platinum Card® from American Express

Business travelers: Ink Business Preferred® Credit Card

Chase Sapphire Preferred Credit Card

on Chase's website

1x-5x 5x on travel purchased through Chase Ultimate Rewards®, 3x on dining, select streaming services and online groceries, 2x on all other travel purchases, 1x on all other purchases.

60,000 Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $750 toward travel when you redeem through Chase Ultimate Rewards®.

Chase Freedom Unlimited Credit Card

1.5%-6.5% Enjoy 6.5% cash back on travel purchased through Chase Travel; 4.5% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and 3% on all other purchases (on up to $20,000 spent in the first year). After your first year or $20,000 spent, enjoy 5% cash back on travel purchased through Chase Travel, 3% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and unlimited 1.5% cash back on all other purchases.

$300 Earn an additional 1.5% cash back on everything you buy (on up to $20,000 spent in the first year) - worth up to $300 cash back!

Capital One Venture Rewards Credit Card

on Capital One's website

2x-5x Earn unlimited 2X miles on every purchase, every day. Earn 5X miles on hotels and rental cars booked through Capital One Travel, where you'll get Capital One's best prices on thousands of trip options.

75,000 Enjoy a one-time bonus of 75,000 miles once you spend $4,000 on purchases within 3 months from account opening, equal to $750 in travel.

travel cards for europe anz

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Travel money cards with the lowest fees

We look at seven travel money cards from the big banks and airlines..

travel money card next to model plane

Prepaid travel money cards are offered by major banks, airlines and foreign exchange retailers like Travelex. Before travelling overseas, you load money into the card account, which locks in the exchange rate for foreign currencies at that time. 

You can then use the card for purchases and cash withdrawals just like a debit or credit card, usually wherever Visa and Mastercard are accepted. 

You can reload money on-the-go via an app or website, and if the card is lost or stolen, it can be replaced (usually at no cost to you).

Prepaid travel money cards also give you assurance that you're not handing the details of your everyday banking account to merchants you're not familiar with, and they provide easy access to cash when you want some, says Peter Marshall, head of research at money comparison website Mozo .

CHOICE tip: Travel money cards are best for longer trips. They're usually not worth your while if you're only taking a short trip, as some have closure, cash out and inactivity fees.

Travel money card fees

A major difference between prepaid travel cards and debit or credit cards is their fees. Some costs aren't immediately apparent, such as hefty margins built into the exchange rates.

And although fees have come down since we looked at these cards two years ago, you still need to watch out for:

  • fees to load the card – either a percentage of the total or a flat fee
  • ATM withdrawal fees
  • a cross currency fee or margin when you use the card in a currency you haven't preloaded
  • further fees if you close the account or haven't used the card for a period of time.

Travel money card with the lowest fees and best exchange rate

Westpac worldwide wallet.

Westpac closed its Global Currency Card in July 2021 and offers its new card in partnership with Mastercard.  It's also available from Bank of Melbourne and BankSA.

Currencies: AUD, USD, NZD, EUR, GBP, SGD, THB, JPY, HKD, CAD, ZAR.

Key features:

  • No loading, reloading, closing or inactivity fees.
  • Free to use it in network ATMs in Australia and partner ATMs overseas in a range of countries including the UK, US and New Zealand.
  • A charge applies at non-Westpac and non-partner ATMs in Australia and overseas.
  • Best exchange rates for the US dollar, the Euro and GBP in our comparison.*
  • The only card that lets you preload the South African rand.

Other travel money cards

Next to the Westpac Worldwide Wallet, there are six other travel money cards available.

Australia Post Travel Platinum Mastercard

Available online or at post offices.

Currencies : AUD, USD, NZD, EUR, GBP, SGD, THB, JPY, HKD, CAD, AED.

  • Fee to reload the card via BPay, debit card or instore, but free via online bank transfer.
  • Closure fee.
  • Fees for ATM withdrawals in Australia and overseas.

Cash Passport Platinum Mastercard

It's issued by Heritage Bank and is available online and from a number of smaller banks and credit unions (like Bendigo Bank and Bank of Queensland) as well as travel agents. 

  • Fee to reload with a debit card or instore, but free via BPay.

CommBank Travel Money Card

CommBank Travel Money Card (Visa)

As NAB and ANZ have closed their travel money cards, this is the only other travel money card available from a major bank. This card has the largest variety of currencies that can be preloaded.

Currencies : AUD, USD, NZD, EUR, GBP, SGD, THB, JPY, HKD, CAD, AED, VND, CNY.

  • Fee if you make a purchase with currencies not preloaded.
  • Fee for withdrawals at overseas ATMs.

Qantas Travel Money Card

Qantas Travel Money Card (Mastercard)

The only travel money card offering from an airline. It can be added as a feature to your Qantas Frequent Flyer card, so you don't need a dedicated card, and you can earn points using it.

  • Free to reload via bank transfer or BPay, but there's a reload fee if using debit card.

Travelex Money Card

Travelex Money Card (Mastercard)

Travelex is an international foreign exchange retailer. In Australia, it operates more than 140 stores at major airports and shopping centres, across CBDs and in the suburbs. It was the card with the best exchange rate for New Zealand dollars.*

Currencies : AUD, USD, NZD, EUR, GBP, SGD, THB, JPY, HKD, CAD.

Fees : 

  • Load fee instore, but free via Travelex website or app.
  • Reload fee instore or via BPay, but free via Travelex website or app.
  • Closure fee and monthly inactivity fee (if not used for 12 months).

Travel Money Oz Currency Pass

Travel Money Oz Currency Pass (Mastercard)

The Travel Money Group is owned by Flight Centre and is a foreign exchange retailer. 

  • Reloading the card via an online bank transfer or instore is free, but there's a fee if you reload via BPay, debit card or credit card. 
  • Cash out (closure) fee. 

Travel money card tips

  • Make sure the card allows the currencies you'll need, and also consider stopovers. For example, the South African rand is only supported by the Westpac card.
  • Try to load your card with the right currencies and amounts on days with good exchange rates. 
  • Make sure you know how to reload your card if you run out of funds while overseas.
  • It may be more convenient to choose a card that has an app that can be linked to your bank account.
  • Avoid loading more money than you'll need as there may be fees and exchange rate margins to get the unused money back.
  • Remember to cancel the card once you're finished your trip, especially if it has inactivity fees.
  • Be mindful that you still may need a credit card, as travel money cards may not be accepted as security for hotels and car rental agencies. 

Stock images:  Getty, unless otherwise stated.

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To share your thoughts or ask a question, visit the CHOICE Community forum.

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Using cards overseas

What do I need to know about using my ANZ EFTPOS, Visa Debit or credit card overseas .  Check before you travel:

When travelling overseas with an ANZ EFTPOS, Visa Debit or credit card there are several things to keep in mind:

  • Which ATMs to use 
  • Countries where you can’t use your card due to international sanctions.

Check your expiry date

If your card is due to expire during your overseas travel, you can apply for an early reissue:

  • EFTPOS or Visa Debit card
  • Credit Card

Ensure you have a  PIN loaded on any cards you plan to use overseas.

  • Some locations in the USA have an added security feature where you will be asked for a ZIP code after entering your PIN. In these cases you can enter your NZ post code and add a 0 (zero) at the end.

It’s advisable that you tell us your travel dates and destinations. This will ensure your legitimate card use isn't viewed as suspicious and will avoid any inconvenient precautionary blocks.

To contact us, please call on 0800 269 296 or  +64 4 470 3142 (if you are overseas), or visit any ANZ branch for assistance.

Card use overseas

  • For Visa credit/debit cards or EFTPOS cards with a Plus or Visa logo, look for ATMs displaying the Plus or Visa logo.
  • When using a Visa Debit card at an overseas EFTPOS merchant, press 'credit' which will access the nominated 'Fastcash' account.
  • At overseas ATMs, select Cheque or Savings where available. If the options are not available the ATM will access the nominated 'Fastcash' account.
  • When checking an account balance at an overseas ATM, some ATMs will display the account balance in NZD while some will display it in the local currency. Be aware of this when viewing the account balance on screen or on a receipt.
  • Be aware that in some overseas ATMs you may be unable to do a Cash Advance using your credit card if you have a linked transactional (Cheque or Savings) account. You should still be able to do a Cash Advance via a bank branch that displays the Visa logo.
  • There are some countries where your card will not work due to ANZ’s Sanctions Policy Please see Countries where you can’t use your card . 
  • For more information please see the appropriate  ANZ Credit Card Conditions of Use (PDF 272kB) .

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List: The Best to Worst Travel Cards in Australia

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Home | List: The Best to Worst Travel Cards in Australia

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Oscar Murray

Travel Cards

Most people don’t realise that there are more fees for travel cards than meets the eye. In this article, we present 9 common fees and charges of 12 travel card issuers. With the following information we hope you can make an informed decision about travel cards.

The cheapest and most expensive travel cards

Taking the average Australian’s three week holiday budget of A$4,679, we calculated how much it costs to use a travel card.

We based our calculations, conservatively on the following factors:

Card purchase fee

Initial load fee.

  • AUD/USD exchange rate margin
  • 9 ATM withdrawals (assuming that 3 withdrawals are made per week)

Card termination fee

Full breakdown of fees by card.

*The exchange rate margin is based on AUD/USD

**Average equivalent in AUD

^Charged monthly after 12 months

How to Avoid Fees?

With so many fees and charges that come with the use of a travel card, no doubt you will be wondering how exactly to avoid all those fees. Fret not, because we have some suggestions for you to help you minimise cost on your next trip abroad.

While a travel card may be a more secure and convenient way of bringing money with you abroad, taking cash with you will definitely help you avoid all those costs and fees that come with card use. After all, using cash to buy things overseas won’t cost you anything more than what you paid for.

Use a travel credit card

A travel credit card like the 28Degrees credit card can save you a lot of the hassle and fees that come with travel money cards. Aside from not having to worry so much about your individual currency balances and prepaid travel card reloading times, travel credit cards also tend to eliminate fees such as international transaction and currency conversion fees. Cards like these tend to have a high interest rate though, so choose wisely.

Do a bank transfer to the country you are visiting

This really only applies if you have family or friends in the country you plan on visiting. While the international fund transfer will cost you money, you get to avoid all the subsequent costs that you may incur per transaction if you were to use a travel card. If you have access to a local debit or credit card, that gives you the same level of convenience and security as a travel card, without as much of the cost.

Travel Card Fees: What You Need To Know

The majority of travel cards available on the market today have done away with a Card Purchase Fee, meaning that prior to loading and using the card either abroad or in Australia, the card is issued to you at no charge. There are exceptions to this rule, however. The ANZ Travel Card, for instance, has an $11 Card Purchase Fee that can be waived if you are an existing ANZ customer and you apply for the card at a bank branch. The Commonwealth Travel Money Card also has a $15 Card Issuance Fee.

Similar to the Card Purchase Fee, most travel cards don’t charge a fee for the initial load. Some travel card providers do impose an Initial Load Fee, however. Westpac charges 1% of the initial load up to a maximum of $10 if you load the card at a Westpac branch. This fee is waived if you load the card on Westpac Online Banking, either through funds transfer or BPAY. The Qantas Cash Travel Card also charges a 1% load fee on all reloads, including the initial load.

Currency conversion fee

Some cards may charge a Currency Conversion Fee if you are paying in a currency you either haven’t loaded or have not loaded enough into your card. While some travel cards, such as the Mastercard Cash Passport don’t impose any Currency Conversion Fee, other cards do. Cards like the ANZ Travel Card, Westpac Global Currency Card or the Virgin Velocity Global Wallet do, usually up to 3% of the Australian Dollar value of the conversion, while the Australia Post Multi-currency Cash Passport imposes a fee up to 5.95% of the transacted value.

Exchange rate

The majority of the cost of using a travel card tends to result in the exchange rates that you will experience in loading the card with foreign currencies. Most of the exchange rates that are offered to you will tend to be higher than the actual market exchange rate for these currencies, and if you are planning to load up thousands of dollars’ worth of currencies in there, even small differences in exchange rates will cost you a lot of money.

Overseas ATM cash withdrawal fee

Different cards have different rates for overseas ATM cash withdrawals, which are charged in the local currency where you are using an ATM. This is in addition to a usage fee that may be incurred every time you use an ATM in a foreign country. While the Australia Post Multi-currency Cash Passport levy no fees for foreign ATM cash withdrawal, other cards do, and this fee can vary from A$1.95 for the Qantas Cash Travel Card to A$3.50 for the ANZ Travel Card.

Subsequent reload fee

While most travel cards don’t impose an Initial Reload Fee, subsequent reloads are usually subject to a fee. This may depend on your method of reload. For example, the MasterCard Cash Passport provides free reloads if you do it either online or through bank transfer, but imposes a 1% fee on the reload value if you do it through BPAY. The Commonwealth Travel Money Card and the NAB Traveller Card impose no subsequent reload fees at all, while most other cards usually impose a fee of 1% of the reload value.

Emergency load fee

Emergency Load Fees can apply if you need cash after losing your travel card. Some travel cards, like the Commonwealth Travel Money Card, do not impose an Emergency Load Fee, and it’s important to know which ones do, so that you are aware if the need for an emergency cash transfer arises. For instance, the Virgin Velocity Global Wallet imposes a flat A$15 fee for emergency transfers, while the St George Travel Money Card imposes a fee depending on how much you need, to a maximum of A$30 for a $3,000 transfer.

Negative balance fee

Given that most travel cards are prepaid debit cards, they don’t allow you to spend below the balance that is already loaded in the card. However, some cards allow you to temporarily go below the balance, although a Negative Balance Fee applies. Cards like the MasterCard Cash Passport, as well as the Virgin Velocity Global Wallet do not impose Negative Balance Fees, while cards like the Australia Post Multi-currency Cash Passport charge a flat fee to the tune of A$20.

Account inactivity fee

If you haven’t kept your travel card active in the last 12 months, you may face an Account Inactivity Fee, depending on the travel card you have. The Australia Post Multi-currency Cash Passport and the Virgin Velocity Global Wallet will charge you A$4 and A$1 a year respectively, while the Commonwealth Travel Money Card and the NAB Traveller Card don’t impose any Account Inactivity Fee whatsoever.

Card replacement fee

A Card Replacement Fee may apply if you have lost your initial travel card and would like to request for a replacement, although most travel cards provide one for free. Certain providers like ANZ will give you a secondary card at the time of issuance for no additional charge, which means you may forgo the need for a replacement. One card that does charge for a replacement is Australia Post Load&Go travel card, where a replacement card costs A$15.

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  • Australia & New Zealand Cruisers

Cruising. Westpac and ANZ complimentary Travel Insurance

By sanne , July 19, 2023 in Australia & New Zealand Cruisers

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Cool Cruiser

I’ve searched the T&C PDFs of both Westpac and ANZ Credit card Complimentary Travel Insurance and can’t find any mention of cover for cruises and medical evacuation from a cruise ship. Maybe someone can point me in the right direction.   

And from what I read, the cancellation of a trip is capped at $20,000 for ANZ and in unlimited for Westpac. Maybe someone is able to confirm that.

Thanks for your help. 

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cheznandy

I can only guide you re ANZ Complimentary Insurance.

The Booklet I refer to covers these cards

ELIGIBLE CARDS: The complimentary insurance outlined in this booklet is available to the eligible beneficiaries of the following credit cards: • ANZ Frequent Flyer Platinum • ANZ Frequent Flyer Black • ANZ Rewards Platinum • ANZ Rewards Travel Adventures • ANZ Rewards Black • ANZ Platinum

Do you have one of these cards? If so, page 14 defines Overseas as

"outside of Australia and its territories, and includes when you are aboard a foreign registered cruise vessel in Australian territorial waters"

Therefore further down on whats covered, page 21

Overseas Emergency, medical and evacuation are unlimited.

And yes, cancellation is capped at $20,000 so you need to work out if that is good for your situation.

For us, our cruise holidays are never more than that.

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31 minutes ago, sanne said: I’ve searched the T&C PDFs of both Westpac and ANZ Credit card Complimentary Travel Insurance and can’t find any mention of cover for cruises and medical evacuation from a cruise ship. Maybe someone can point me in the right direction.    And from what I read, the cancellation of a trip is capped at $20,000 for ANZ and in unlimited for Westpac. Maybe someone is able to confirm that.   Thanks for your help. 

Further to cheznandy The Westpac has a similar cluase under their Definitions see below

Definitions There are some words in this booklet that have a special meaning. These words and their meanings are set out in the table below and are highlighted in italics throughout the booklet. Headings have been included for ease of reference but do not form part of the terms and conditions of the cover available Word Meaning

Overseas     

outside of Australia and its territories, and includes when you are aboard a foreign registered cruise vessel in Australian territorial waters.

So you are covered as I see it for Unlimited Overseas Emergency, medical and evacuation 

as cheznandy said above.

BUT as always don't assume we are right, contact your bank and make sure your are covered.

And that there are not small riders or conditions we missed in our readings of the T&Cs and PDS

5 minutes ago, Ozwoody said: Hi Sanne   Further to cheznandy The Westpac has a similar cluase under their Definitions see below   Definitions There are some words in this booklet that have a special meaning. These words and their meanings are set out in the table below and are highlighted in italics throughout the booklet. Headings have been included for ease of reference but do not form part of the terms and conditions of the cover available Word Meaning   Overseas      outside of Australia and its territories, and includes when you are aboard a foreign registered cruise vessel in Australian territorial waters.   So you are covered as I see it for Unlimited Overseas Emergency, medical and evacuation  as cheznandy said above.   BUT as always don't assume we are right, contact your bank and make sure your are covered. And that there are not small riders or conditions we missed in our readings of the T&Cs and PDS      

Great advice John, I have called often over the years we have been using this insurance to clarify any changes in wording, they have always been great to talk to over the phone.

2022cruisey

The ANZ FF Black definitely covers cruising.  They will also email you with a certificate that you can show if you are going to New Caledonia.

Thank you very much  cheznandy, 2022cruisey, and Ozwoody for your excellent reply to my queries. Very kind of you all to post the relevant paragraphs. Much appreciated. 

We use the ANZ card cover for cruising. There is a handy webpage to 'check your cover ' (underwritten by Allianz) where you enter your type of card, destination (I always select worldwide) and dates of trip. They then send you a certificate via email which shows the cruise and covid cover on page 2.  This is what we show when boarding a cruise to New Caledonia where this cover is required.

Similar to answer above, we never require more than $20000 cancellation cover.

LittleFish1976

Prior to covid I used ANZ card insurance for a cruise. I was very concerned about making sure I would be covered for a cruise by them, and more importantly for any medical evacuation from the ship. I emailed them and asked them if they could confirm those things. The email they sent me was comforting as they clearly stated that yes, I was covered for those specific eventualities. I felt happy having it in writing from them and particular to my situation. They can also send you the master policy number for complimentary insurances in case you need to present it as proof of insurance anywhere.

  • 2 weeks later...

Mareblu

Only last week I applied for and received free travel insurance through our Westpac mastercard, for next year's trip, which includes two cruises (Oceania and Cunard).  I completely missed reading the last section of the Letter of Eligibility we received, and being concerned about cover for the cruises, I rang the helpline.  A patient and efficient person confirmed we are automatically covered for cruises, and directed me to, "Eligibility for Cover while Cruising and for Epidemic/Pandemic (such as COVID-19) Cover".  

Hope this answers your question, as it did mine  🙂

11 hours ago, Mareblu said: Only last week I applied for and received free travel insurance through our Westpac mastercard, for next year's trip, which includes two cruises (Oceania and Cunard).  I completely missed reading the last section of the Letter of Eligibility we received, and being concerned about cover for the cruises, I rang the helpline.  A patient and efficient person confirmed we are automatically covered for cruises, and directed me to, "Eligibility for Cover while Cruising and for Epidemic/Pandemic (such as COVID-19) Cover".   Hope this answers your question, as it did mine  🙂

I wish the Westpac card (underwritten by Allianz) covered my pre existing medical condition.

7 hours ago, cruisine21 said: I wish the Westpac card (underwritten by Allianz) covered my pre existing medical condition.

Yep! Me too!

I agree that pre-existing conditions are a real problem, and probably why more people don't travel.

Really like that people are ringing there Credit Card Insurer to clarify cover, and reporting back here.

Gives us some confidence that we are covered, not just thinking we might be.

Thanks guys for your posts.

NSWP

4 hours ago, Mareblu said: I agree that pre-existing conditions are a real problem, and probably why more people don't travel.

Agree with that comment, Linda.

Re the Westpac CC insurance. My son has this card and asked me if his fiancé who lives  with him at the same address is considered his ‘spouse’ in the T&C. I will give them a call but first of all I’d ask since there are some very knowledgeable and helpful people here. 

1 hour ago, sanne said: Re the Westpac CC insurance. My son has this card and asked me if his fiancé who lives  with him at the same address is considered his ‘spouse’ in the T&C. I will give them a call but first of all I’d ask since there are some very knowledgeable and helpful people here. 

If they live together and are in a relationship then the law views them as being in a de facto relationship which is as good as married in the eyes of the law so I should think the answer is 'yes'. Do the T&Cs mention 'de facto spouse'?

Thank you LittleFish1976. I have just received this from Westpac ( Allianz). I’ve posted it to be helpful to others.

Please be advised that according to Policy information booklet (on page 18), Definition of   Spouse:

“ the partner of the cardholder who is in a permanent relationship with the cardholder at the time the journey or trip starts.”

According to above information if you are in permanent relationship however not married, you will be considered as partners  under this definition

Should you require any further assistance, please do not hesitate to contact us on the number below.

17 minutes ago, sanne said: Thank you LittleFish1976. I have just received this from Westpac ( Allianz). I’ve posted it to be helpful to others.     Please be advised that according to Policy information booklet (on page 18), Definition of   Spouse:   “ the partner of the cardholder who is in a permanent relationship with the cardholder at the time the journey or trip starts.”   According to above information if you are in permanent relationship however not married, you will be considered as partners  under this definition   Should you require any further assistance, please do not hesitate to contact us on the number below.  

You're welcome sanne. Glad you had confirmation that works out well for your family.

  • 4 months later...
On 7/28/2023 at 3:52 PM, Mareblu said: Only last week I applied for and received free travel insurance through our Westpac mastercard, for next year's trip, which includes two cruises (Oceania and Cunard).  I completely missed reading the last section of the Letter of Eligibility we received, and being concerned about cover for the cruises, I rang the helpline.  A patient and efficient person confirmed we are automatically covered for cruises, and directed me to, "Eligibility for Cover while Cruising and for Epidemic/Pandemic (such as COVID-19) Cover".   Hope this answers your question, as it did mine  🙂

Hi, I'm just sorting my insurance now for a January cruise and have Westpac Platinum card. Was this sentence "Eligibility for Cover while Cruising and for Epidemic/Pandemic (such as COVID-19) Cover"  specifically stated in the letter you received or in the policy document?

Many thanks

Hi phoenixx,

On Page 3 of Letter of Eligibility:

"Under this group policy, the eligible traveller/s listed  below have access to International Travel Insurance which includes epidemic/pandemic (such as COVID-19) coverage and cover while cruising including while aboard a foreign registered cruise vessel in Australian territorial waters.  Cover is outlined in the sections below, subject to the terms, conditions, exclusions, limits and applicable sub-limits outlined in the Policy Information Booklet."

The PI Booklet is viewable online as part of the complete information forwarded by Westpac, and a scan through reveals the normal travel insurance inclusions and exclusions.  Allianz is the underwriter.

Hope this helps.

2 hours ago, Mareblu said: Hi phoenixx, On Page 3 of Letter of Eligibility:   "Under this group policy, the eligible traveller/s listed  below have access to International Travel Insurance which includes epidemic/pandemic (such as COVID-19) coverage and cover while cruising including while aboard a foreign registered cruise vessel in Australian territorial waters.  Cover is outlined in the sections below, subject to the terms, conditions, exclusions, limits and applicable sub-limits outlined in the Policy Information Booklet."   The PI Booklet is viewable online as part of the complete information forwarded by Westpac, and a scan through reveals the normal travel insurance inclusions and exclusions.  Allianz is the underwriter. Hope this helps.  

I'm in NZ and policy is with AIG. I've just spoken to them and there is no Covid cover! How stupid is that, if Westpac Australia cover Covid but NZ does not, what's the difference? (Rhetorical question but really, that's seems unfair). It also does not cover when in NZ waters, which I see yours does.

MicCanberra

MicCanberra

Be very wary of CC insurance as it can be very tricky, some have a minimal spend on each item of travel I.e. $250 on flights, another on hotel, another on the cruise  not just on the whole trip.

56 minutes ago, MicCanberra said: Be very wary of CC insurance as it can be very tricky, some have a minimal spend on each item of travel I.e. $250 on flights, another on hotel, another on the cruise  not just on the whole trip.

Thanks, Mic, but we checked that point, and we are clear.  W’s is cumulative.

1 hour ago, phoenixx said: I'm in NZ and policy is with AIG. I've just spoken to them and there is no Covid cover! How stupid is that, if Westpac Australia cover Covid but NZ does not, what's the difference? (Rhetorical question but really, that's seems unfair). It also does not cover when in NZ waters, which I see yours does.

Gosh, that’s very one-sided.

Newbie here….I have ANZ card with complimentary travel insurance.  I know that Covid is covered.   

Wondering if you get confined in your room on a cruise for say 5 days, anyone knows whether there is any compensation from ANZ Allianz travel insurance?  

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IMAGES

  1. Your guide to the ANZ Travel Card

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  2. ANZ VISA PLATINUM TRAVEL

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  3. ANZ Rewards Travel Adventures credit card guide

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  4. ANZ Rewards Travel Adventures Credit Card

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  5. The 5 Best Travel Money Cards for Europe in 2023

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COMMENTS

  1. Changes to the ANZ Travel Card

    ANZ Travel Card Update. Commencing June 2020, ANZ started contacting ANZ Travel Card customers via Email/Letter/SMS, to advise of the closure of their ANZ Travel Card account. All ANZ Travel Card accounts are now closed from October 2022.

  2. Travel credit card tips

    Set yourself up. Remember to set up your ANZ Internet Banking, ANZ App and ANZ Phone Banking before you go, so that you can access your ANZ accounts while travelling. If you're already set up and your CRN is your card number, we recommend changing over to a 9 digit CRN so that in the event your card is lost or stolen, you will still have access ...

  3. The 5 Best Travel Cards for Europe

    Wise is our pick for travel debit card for Europe. With this card: Convert Aussie dollars to Euros at the mid-market exchange rate. It's very easy to set up and order. You can receive foreign currency into a multi-currency account linked to the card. You can transfer money to a bank account overseas.

  4. The 6 Best Travel Cards for Europe in 2024

    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.

  5. PDF Discover all the world with ANZ Travel Visa Platinum Credit Card

    To get the information on your available ANZ Travel Miles, please refer to your monthly ANZ Travel Platinum statement or call ANZ Cards 24/7 at 1900 1276 ext.2 4. For reference to air miles required to any destination and/or ANZ Partner Miles Program, visit the respective websites

  6. PDF Pocket Guide (Multicurrency) ANZ Travel Card

    your card number to +61 429 333 666 • To check your transactions text 'stmt' and last 4 digits of your card number to +61 429 333 666 • You must report a lost or stolen card by immediately calling ANZ Travel Card Customer Service 1800 094 003 (within Australia) or +61 3 9683 7777 (when overseas - call reverse charge) Biller Code:

  7. Manage your ANZ Travel Card

    ANZ Travel Card Customer Service is available 24 hours a day, 7 days a week by phoning 1800 094 003 within Australia or +613 9683 7777 when overseas (If calling from overseas, please call reverse charge +613 9683 7777. If you dial the number direct, you may be charged for the call) to report your card lost or stolen, change your PIN, check your ...

  8. Your guide to the ANZ Travel Card

    Visa official exchange rate. 0.7056. 0.5444. 0.5999. In this test, the ANZ Travel Card consistently offered the highest rate compared to the Qantas Travel Money card and the Velocity Global Wallet card. To be fair though, those latter two cards earn frequent flyer points on transactions whereas the ANZ card doesn't.

  9. Travel Cards for Europe

    Fees - Although you can access a network of over 60,000 ATMs fee-free in the USA, you'll need to pay a $2.50USD fee to withdraw money abroad with your Chime debit card. However, there are no international transaction fees with Chime, so you can pay for things on your card without having to stump up for an additional fee.

  10. Travelex, NAB, Com Bank, ANZ: Best travel money cards revealed

    HERE'S a list of the Top 10 best travel money cards to use when holidaying in the United States and Europe, revealing the least withdrawal fees. ... ANZ Travel Card came in second, followed by ...

  11. How to Choose a Credit Card for Europe Travel

    Here are our picks for the best travel credit cards of 2024, including those best for: Flexibility, point transfers and a large bonus: Chase Sapphire Preferred® Card. No annual fee: Bank of ...

  12. Travel money cards with the lowest fees

    CommBank Travel Money Card (Visa) As NAB and ANZ have closed their travel money cards, this is the only other travel money card available from a major bank. This card has the largest variety of currencies that can be preloaded. Currencies: AUD, USD, NZD, EUR, GBP, SGD, THB, JPY, HKD, CAD, AED, VND, CNY. Fees:

  13. Travel and foreign exchange

    Personal; Bank accounts Everyday/savings & term deposits; Credit cards Low interest rate, rewards frequent flyer & platinum; Home loans Buying, refinancing & investing in property; Personal loans Debt consolidation, buying a new or used car, renovations and more; Insurance Get on top of your home, life, income and car insurance; Superannuation and retirement Superannuation and retirement options

  14. Using cards overseas

    Tell ANZ. It's advisable that you tell us your travel dates and destinations. This will ensure your legitimate card use isn't viewed as suspicious and will avoid any inconvenient precautionary blocks. To contact us, please call on 0800 269 296 or +64 4 470 3142 (if you are overseas), or visit any ANZ branch for assistance.

  15. List: The Best to Worst Travel Cards in Australia

    The ANZ Travel Card, for instance, has an $11 Card Purchase Fee that can be waived if you are an existing ANZ customer and you apply for the card at a bank branch. The Commonwealth Travel Money Card also has a $15 Card Issuance Fee. Initial load fee. Similar to the Card Purchase Fee, most travel cards don't charge a fee for the initial load ...

  16. How To Find The Best Credit Card For Travel To Europe

    The Capital One Venture X Rewards Credit Card earns 2 miles per dollar on all eligible purchases, 5 miles per dollar on flights booked through Capital One Travel and 10 miles per dollar on hotels ...

  17. ANZ Bank New Zealand Ltd

    ANZ Travel Card: a convenient and secure way to access your money overseas. Load up to 10 currencies on one card, manage your balance online or via the app, and enjoy fee-free cash withdrawals at ANZ ATMs. Find out more and apply online today.

  18. Travel Adventures with your ANZ credit card

    ANZ Frequent Flyer Black. ANZ's highest Qantas Points earn rate disclaimer; $15,000 Minimum credit limit. $425 current annual fee disclaimer. Earn up to 130,000 bonus Qantas Points! Get 100,000 bonus Qantas Points and $250 back to your new ANZ Frequent Flyer Black credit card when you spend $5,000 on eligible purchases in the first 3 months ...

  19. Best travel card for Europe / UK travelling from Aus : r/travel

    Best travel card for Europe / UK travelling from Aus. My husband and I are travelling to the UK and Europe in a few months, mainly will be using pounds and euros but also polish zloty. We are from Australia and looking for recommendations of a travel card to use for our trip. We currently have accounts with NAB, ANZ and Westpac. Thanks! Sort by:

  20. ING Everyday debit card for European holiday v ANZ travel card

    On the other hand, the anz travel card will lock in the exchange rate but will charge atm fees for each withdrawal. Any help will be greatly appreciated. Thank you. ... Can't comment for ANZ but I had the Commbank travel card when I went to Europe in December and it was great. Some travel cards don't charge for buying things in shops and you ...

  21. Compare Travel Money Cards 2024

    We compare five travel money cards from Wise, Travelex, Air New Zealand, Mastercard and Westpac. Updated 7 February 2024. Summary. If you are about to leave New Zealand and go overseas for a holiday or an OE, using a Travel Money card might be a good option. But which one offers the best deal, and what are the fees?

  22. Cruising. Westpac and ANZ complimentary Travel Insurance

    I've searched the T&C PDFs of both Westpac and ANZ Credit card Complimentary Travel Insurance and can't find any mention of cover for cruises and medical evacuation from a cruise ship. Maybe someone can point me in the right direction. And from what I read, the cancellation of a trip is capped at $20,000 for ANZ and in unlimited for Westpac.