Best Travel Cards for 2025: No Fees, Great Exchange Rates & Free ATMs 💳
✈️ Looking for the best debit card for travel? Whether you’re a backpacker, digital nomad, or frequent traveller, using the wrong card can cost you hundreds in fees so check this out and start saving!
Best Travel Debit Cards in 2025 – At a Glance
| Feature | Starling Bank 🏆 | Revolut 🌍 | Monzo 💳 |
|---|---|---|---|
| Foreign transaction fees | ❌ None | ❌ None | ❌ None |
| Exchange rate | ✅ Mastercard rate | ✅ Interbank rate (Mon–Fri) | ✅ Mastercard rate |
| ATM withdrawal limit | ✅ Unlimited free | £200/month free, then 2% fee | £200/month free, then 3% fee |
| Multi-currency support | ❌ No | ✅ Yes (30+ currencies) | ❌ No |
| Virtual cards for security | ❌ No | ✅ Yes | ❌ No |
| Best for… | All travelers, especially those who use cash often | Multi-currency users & digital nomads | Casual travelers who mostly pay by card |
1️⃣ Starling Bank – Best Overall for Travelers & Backpackers 🏆
⭐ Best for: Travelers who frequently withdraw cash abroad.
✔️ Zero foreign transaction fees (pay in local currency at no extra cost).
✔️ Unlimited free ATM withdrawals worldwide.
✔️ No monthly fees & excellent customer support.
⚠️ Limitations:
- Only available to UK residents.
- No multi-currency accounts (uses GBP).
💡 Why It’s the Best: Unlike Monzo and Revolut, Starling has no ATM withdrawal limits, making it perfect for countries where cash is king (e.g., Thailand, Vietnam, Indonesia).
2️⃣ Revolut – Best for Multi-Currency & Digital Nomads 🌍
⭐ Best for: Travelers who need multi-currency accounts and a mobile-first banking experience.
✔️ Hold & exchange 30+ currencies in-app.
✔️ Interbank exchange rates on weekdays.
✔️ Virtual cards for extra security.
⚠️ Limitations:
- ATM withdrawals free up to £200/month, then 2% fee.
- Weekend currency exchange markup (~1%).
💡 Why It’s Great: If you travel across multiple countries, Revolut makes it easy to manage different currencies without extra fees.
3️⃣ Monzo – Best for Budget Travelers 💳
⭐ Best for: Casual travelers who mostly pay by card.
✔️ No foreign transaction fees.
✔️ Great budgeting tools – Track spending in real time.
✔️ Instant card freezing & unfreezing via app.
⚠️ Limitations:
- Free ATM withdrawals only up to £200/month, then 3% fee.
- No multi-currency support.
💡 Why It’s Great: If you mostly pay by card and just need an easy-to-use travel card, Monzo is a solid choice.
👉 Here is my personal referral link for Monzo where we both get a reward if you sign up. You just need to make a payment with your card within 30 days and When you do, we will both get a mystery 🎁 reward of £10, £20 or £50.
Verdict: The Best Travel Card for 2025
✅ For most travellers & backpackers: Starling is the best → No fees on spending & unlimited free ATM withdrawals.
✅ For digital nomads: Revolut is ideal → Multi-currency wallets and great exchange rates.
✅ For casual travelers: Monzo is solid → Great for spending abroad, but limited free ATM withdrawals.
Tips for Using Travel Debit Cards
✔️ Always pay in local currency – Avoid bad conversion rates from "Dynamic Currency Conversion."
✔️ Withdraw cash in larger amounts – Fewer transactions = fewer fees.
✔️ Use airport ATMs only in emergencies – They often charge higher fees.
✔️ Carry a backup card – ATMs can sometimes reject your primary card or worse it can get stuck in the ATM. At Tribe Feel we actually carry all 3 (Revolut, Monzo, Starling) with us when we travel!
Final check
Now that you have chosen your Travel Card, start shopping Travel Accessories for your trip on Tribe Feel.
🎒 Not sure what to pack? Don't worry at Tribe Feel we have Travel Collections for every destination.
FAQs
1️⃣ Do these travel cards work worldwide?
Yes! They work in Asia, Europe, North America, and beyond.
2️⃣ What happens if my card gets stolen?
All three banks allow you to freeze your card instantly in the app and request a replacement.
3️⃣ Are these fees up-to-date?
This information is accurate as of February 2025. Always check the official websites for the latest updates: