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Multi currency

Compare multi currency prepaid cards

Some prepaid cards allow you to load them up with sterling and then use them anywhere in the word. Ideal for your holiday spending, you'll avoid expensive foreign transaction charges and won't need to carry around lots of cash. Compare the best deals at MoneySuperMarket.

Multi currency prepaid cards - Ordered alphabetically A-Z

MoneySuperMarket customers receive £10 upon first load of £50. This offer is only available through MoneySuperMarket.com. T&Cs apply

Cashplus

Cashplus Prepaid MasterCard (Freedom)

  • Monthly fee

    Free

  • Card fee

    £9.95

  • Transaction fee

    Free

  • UK ATM fee

    Free

  • International ATM fee

    £3.00


Great for

  • FREE UK ATM Withdrawals, FREE Purchases, NO Monthly Fee
  • Instant online approval. No credit check to apply
  • Up to £500 Overdraft - subject to approval

But be aware that

  • You must be a UK resident aged 18 or over
More Details

THE BASICS

  • Card issuer: APS Financial Ltd

  • Card type: MasterCard

  • The card is valid for 36 months

BENEFITS

  • Online account management

  • 24 hour service

  • Accepted online

  • Sort code & account number included

Benefits notes:

  • Free UK ATM withdrawals

  • Free UK purchases

  • Free to set up Direct Debits and standing orders

  • Free purchase protection

CARD FEES

  • Card application fee - £9.95

  • Monthly service fee - Free

  • Annual service fee - Free

  • Card replacement fee - £5.95

  • Card cancellation fee - N/A

  • Dormancy fee - No dormancy fees

Card fee notes: 

  • No UK purchase fees

RELOAD OPTIONS (Online)

  • Cash - Free

RELOAD OPTIONS (Post Office)

  • Cash - 0.50%

Reload notes:

  • Bank transfers onto account: Free

  • Post Office loads: 0.50% fee will apply to the total amount paid in (min fee £3.00)

TRANSACTION FEES

  • Foreign transaction Fee: 2.99%

  • Purchase fee: Free

  • Internet Purchase fee: Free

ATM WITHDRAWAL FEES

ATM withdrawal fee (UK): Free
ATM withdrawal fee (International): £3.00

ELIGIBILITY

  • You must be a UK resident and aged 18+

You are advised to check the lenders Terms & Conditions for information relating to interest rates, fees and charges.

    Caxton

    Caxton Currency Card

    • Card fee

      Free

    • Transaction fee

      Free

    • UK ATM fee

      £1.50

    • International ATM fee

      Free

    • Monthly fee

      Free


    Great for

    • Free multi-currency card. Hold 15 major currencies with no monthly fees, excellent rates and UK customer support
    • Use your card fee-free* at over 35 million locations globally and pay zero fees on overseas ATM withdrawals
    • The Caxton app lets you manage your finances from every corner of the globe. Check your balance, top up, or even block your card – at any time of day

    But be aware that

    • You need to load a minimum of £10 to receive the card
    • The card needs to be activated online or via the app
    • *Caxton does not charge overseas ATM fees, but some ATM providers may charge their own fees to use
    More Details

    THE BASICS

    • Card issuer: PSI-Pay Ltd pursuant to a license by Mastercard® International Incorporated

    • Card type: MasterCard

    • The card is valid for 36 months

    BENEFITS

    • Online account management

    • No fee on foreign transactions

    • Accepted online

    CARD FEES

    • Card application fee - Free

    • Monthly service fee - Free

    • Annual service fee - Free

    • Card replacement fee - £5.00

    • Card cancellation fee - Free

    • Dormancy fee - £2.00pm if there have been no transactions, card loads or balance switches in the previous 12 months

    TRANSACTION FEES

    • Foreign transaction Fee - Free

    • Purchase fee - Free

    • Internet Purchase fee - Free 

    ATM WITHDRAWAL FEES

    • ATM withdrawal fee (UK) - £1.50

    • ATM withdrawal fee (International) - Free

    ELIGIBILITY

    • You must be aged 18 or over

    • You must be a UK resident

    You are advised to check the lenders Terms & Conditions for information relating to interest rates, fees and charges.

      Currensea

      Travel Debit Card

      • Card fee

        Free

      • Transaction fee

        Free

      • UK ATM fee

        UK ATM withdrawals not allowed

      • International ATM fee

        Free

      • Monthly fee

        Free


      Great for

      • The UK's first travel money card that connects directly to your high street bank account: no top-ups, no pre-pay, no leftover balance and no need to open a new bank account
      • You can choose to contribute part of your savings on bank charges to plant trees or to recover ocean-bound plastics, helping offset the environmental impact associated with your travels
      • Works with all leading high street banks and supports all currencies. No hidden fees like weekend or dormant charges

      But be aware that

      • You must be over 18 years old and have a UK bank account
      • You can withdraw up to £1500 per month from international ATMs. UK ATM withdrawals not allowed
      More Details

      THE BASICS

      • Card issuer: Currensea

      • Card type: MasterCard

      • The card is valid for 60 months

      BENEFITS

      • Online account management

      • No fee on foreign transactions

      • Accepted online

      Benefits notes:

      • A new travel money card that connects directly to your high street bank account: no top-ups, no pre-pay. Works with all leading high street banks

      • You don't need an app or access to WiFi to operate the card

      • Supports all currencies

      CARD FEES

      • Card application fee - Free

      • Monthly service fee - Free

      • Annual service fee - Free

      • Card replacement fee - £5.00

      • Card cancellation fee - Free

      • Dormancy fee - n/a

      Card fee notes: 

      • 0.50% markup above interbank or Mastercard rates, no transaction charges, saves up to 85% vs your high street bank

      TRANSACTION FEES

      • Foreign transaction Fee - Free

      • Purchase fee - Free

      • Internet Purchase fee - Free 

      Transaction fee notes:

      Zero transaction fees

      ATM WITHDRAWAL FEES

      • ATM withdrawal fee (UK) - UK ATM withdrawals not allowed

      • ATM withdrawal fee (International) - Free

      ELIGIBILITY

      • You must be at least 18 years old

      • You must be a UK resident

      • You must have a UK high street bank account

      You are advised to check the lenders Terms & Conditions for information relating to interest rates, fees and charges.

        Get £10 off when you load £250 or more, £15 off when you load £500 or more, and £40 off when you load £1000 or more. New customers only. T&Cs apply

        FairFX

        FairFX Currency Card

        • Card fee

          Free

        • Transaction fee

          Free

        • UK ATM fee

          £1.00

        • International ATM fee

          £1.00

        • Monthly Fee

          Free


        Great for

        • Free multi-currency card that lets you hold 15 major currencies with no monthly fees
        • Lock in some of the best rates available before you travel, or while you’re away, and spend in over 190 countries at 35 million locations*
        • Earn at least 3.5% cashback at some of the UK's most popular high street retailers and supermarkets. T&Cs apply.

        But be aware that

        • You'll need to be a UK resident and aged 18 or over
        • *1.75% fee applicable on transactions that are not in one of the 15 card currencies
        • Card cancellation is free, but there is a £5 fee to redeem any remaining money left on the card
        More Details

        THE BASICS

        • Card issuer: Valitor Limited

        • Card type: MasterCard

        • The card is valid for 36 months

        BENEFITS

        • Online account management

        • Accepted online

        Benefits notes:

        • One card with 15 currencies 

        • Lock in great rates and spend in more than 190 countries, wherever Mastercard is accepted

        • Your funds are securely held in a safeguarded account with Citibank

        • A friendly, UK-based team are available 7 days a week, 365 days a year

        CARD FEES

        • Card application fee - Free

        • Monthly service fee - Free

        • Annual service fee - Free

        • Card replacement fee - £6.00

        • Card cancellation fee - Free

        • Dormancy fee - £2.00 per month or currency equivalent on expired cards with leftover balances 

        Card fee notes: 

        • No fees applied when you pay in the UK or in any of the 15 currencies

        RELOAD OPTIONS (Online)

        • Debit Card - Free

        • Credit Card - Free

        Reload notes:

        Bank transfers onto account: Free

        TRANSACTION FEES

        • Foreign transaction Fee - 1.75%

        • Purchase fee - Free

        • Internet Purchase fee - Free 

        Transaction fee notes:

        A 1.75% out of currency fee is charged when you use the card in a different currency to what is held on the card – including ATM withdrawals

        ATM WITHDRAWAL FEES

        • ATM withdrawal fee (UK) - £1.00

        • ATM withdrawal fee (International) - £1.00

        ATM withdrawal fee notes: 

        • When you use your card at an ATM, you may also be subject to applicable fees, surcharge rules, and regulations of the relevant ATM, or other financial institution or association

        ELIGIBILITY

        • You must be a UK resident and aged 18+

        You are advised to check the lenders Terms & Conditions for information relating to interest rates, fees and charges.

          Suits Me

          Suits Me Essential

          • Transaction fee

            £1.00

          • Monthly fee

            Free

          • Card Fee

            Free

          • UK ATM fee

            £1.00

          • International ATM fee

            £2.50


          Great for

          • You could be approved in under 10 minutes with no proof of address and no credit checks required
          • Get exclusive access to Suits Me's cashback rewards programme where you'll earn up to 15% cashback instore and online at many top UK retailers
          • Pay no monthly fee and manage your money and finances on the go, with the free, safe and secure Suits Me mobile banking app and online banking account

          But be aware that

          • You need to be a UK resident and aged 18 or over to open an account
          • One-off activation fee of £5.00 is needed to start using your account
          More Details

          THE BASICS

          • Card issuer: PrePay Technologies Limited

          • Card type: MasterCard

          • The card is valid for 36 months

          BENEFITS

          • Online account management

          • Accepted online

          • Sort code & account number included

          Benefits notes:

          • Apply online and you could get instant approval with no proof of address or credit checks

          • Account opening within 10 minutes where you'll gain instant access to your account number and sort code to start managing your money and finances

          CARD FEES

          • Card application fee - Free

          • Monthly service fee - Free

          • Annual service fee - Free

          • Card replacement fee - £5.00

          • Card cancellation fee - Free

          • Dormancy fee – n/a

          Reload notes:

          • Bank transfer in from UK - £1.25

          • PayPoint - £2:30 + 2.6%. Maximum load of £250 per day

          TRANSACTION FEES

          • Foreign transaction fee – n/a

          • Purchase fee - £1.00 plus 2% of the transaction value

          • Internet Purchase fee – Free

          Transaction fee notes:

          • No UK transaction fees

          • International transaction fee: £1 plus 2% of the transaction value

          ATM WITHDRAWAL FEES

          • ATM withdrawal fee (UK) - £1.50

          • ATM withdrawal fee (International) - £2.50 plus 2% of the transaction value

          ELIGIBILITY

          • You must be a UK resident aged 18 or over

          You are advised to check the lenders Terms & Conditions for information relating to interest rates, fees and charges.

            Suits Me

            Premium Plus

            • Transaction fee

              £1.97

            • Monthly fee

              £9.97

            • Card fee

              Free

            • UK ATM fee

              Free

            • International ATM fee

              £2.50


            Great for

            • You could be approved in under 10 minutes with no proof of address and no credit checks required
            • Get exclusive access to Suits Me's cashback rewards programme where you'll earn up to 15% cashback instore and online at many top UK retailers
            • Manage your money and finances on the go, with the free, safe and secure Suits Me mobile banking app and online banking account

            But be aware that

            • You need to be a UK resident and aged 18 or over to open an account
            More Details

            THE BASICS

            • Card issuer: PrePay Technologies Limited

            • Card type: MasterCard

            • The card is valid for 36 months

            BENEFITS

            • Online account management

            • Accepted online

            • Sort code & account number included

            Benefits notes:

            • Apply online and you could get instant approval with no proof of address or credit checks

            • Account opening within 10 minutes where you'll gain instant access to your account number and sort code, and mobile and online banking to start managing your money and finances

            CARD FEES

            • Card application fee - Free

            • Monthly service fee - £9.97

            • Annual service fee - Free

            • Card replacement fee - £5.00

            • Card cancellation fee - Free

            • Dormancy fee – n/a

            Reload notes:

            • PayPoint Load: £0.80 + 2.6%. Maximum load of £250 per day

            • Bank Transfer (UK): Maximum of £10,000

            TRANSACTION FEES

            • Foreign transaction Fee - Free

            • Purchase fee - £1.97

            • Internet Purchase fee - £0 

            • Transaction fee notes:

            • No UK transaction fees

            • European transaction fee (EUR, RON, SEK): 2.35% of the transaction value

            • International transaction fee (Other currencies): £1.97 plus 2.57% of the transaction value

            ATM WITHDRAWAL FEES

            • ATM withdrawal fee (UK) - Free

            • ATM withdrawal fee (International) - £2.50

            UK ATM withdrawal fee notes: 

            • 4 free UK ATM withdrawals permitted per month

            • A fee of £1.12 per withdrawal is then applied

            ELIGIBILITY

            • You must be a UK resident aged 18 or over

            You are advised to check the lenders Terms & Conditions for information relating to interest rates, fees and charges.

              Suits Me

              Suits Me Premium

              • Transaction fee

                £1.97

              • Monthly fee

                £4.97

              • Card fee

                Free

              • UK ATM fee

                £1.25

              • International ATM fee

                £2.50


              Great for

              • You could be approved in under 10 minutes with no proof of address and no credit checks required
              • Get exclusive access to Suits Me's cashback rewards programme where you'll earn up to 15% cashback instore and online at many top UK retailers
              • Manage your money and finances on the go, with the free, safe and secure Suits Me mobile banking app and online banking account

              But be aware that

              • You need to be a UK resident and aged 18 or over to open an account
              More Details

              THE BASICS

              • Card issuer: PrePay Technologies Limited

              • Card type: MasterCard

              • The card is valid for 36 months

              BENEFITS

              • Online account management

              • Accepted online

              • Sort code & account number included

              Benefits notes:

              • Apply online and you could get instant approval with no proof of address or credit checks

              • Account opening within 10 minutes where you'll gain instant access to your account number and sort code, and mobile and online banking to start managing your money and finances

              CARD FEES

              • Card application fee - Free

              • Monthly service fee - £4.97

              • Annual service fee - Free

              • Card replacement fee - £5.00

              • Card cancellation fee - Free

              • Dormancy fee – n/a

              Reload notes:

              • PayPoint Load: £0.99 + 2.6%

              • PayPoint: £1.29+ 2.6%. Maximum load of £250 per day

              • Bank Transfer (UK): Maximum of £10,000

              TRANSACTION FEES

              • Foreign transaction fee – n/a

              • Purchase fee - £1.97

              • Internet Purchase fee - Free

              Transaction fee notes:

              • No UK transaction fees

              • European transaction fee (EUR, RON, SEK): 2.35% of the transaction value

              • International transaction fee (Other currencies): £1.97 plus 2.57% of the transaction value

              ATM WITHDRAWAL FEES

              • ATM withdrawal fee (UK) - £1.25

              • ATM withdrawal fee (Europe) - £2.50 plus 2.35% of the transaction value

              • ATM withdrawal fee (International) - £2.50 plus 2.57% of the transaction value

              ELIGIBILITY

              • You must be a UK resident aged 18 or over

              You are advised to check the lenders Terms & Conditions for information relating to interest rates, fees and charges.

                Prepaid cards are not eligible for protection under the Financial Services Compensation Scheme

                What is a currency card?

                A currency card is a type of prepaid card which allows you to make transactions abroad without expensive fees or charges. Depending on your location, you have a choice of currencies you can put on the card, including pounds, euros or US dollars. The currency loaded onto the card is fixed at that day's exchange rate. 

                Other currency prepaid cards

                Like travellers cheques for the modern holidaymaker or business tripper, foreign currency prepaid cards offer a secure way to take your travel money away with you. 

                Some prepaid cards allow you to pre-load them with sterling and you can then use them for your holiday spending anywhere in the world, across multiple currencies. By doing so, you can side-step expensive foreign transaction fees charged by many debit and credit cards and, because you pre-load your card with cash in advance, it's ideal if you're on a budget.

                Avoid foreign exchange charges

                Most debit and credit cards charge high fees when you use them abroad. On purchases, for example, you'll usually have to fork out a foreign currency charge of between 2.75% and 2.99%, which means paying an extra £3 every time you spend £100.

                And if you withdraw money from a cash machine, you will often face a further 2% to 3% charge, plus daily interest if you make a withdrawal using a credit card.

                The good news, however, is that foreign currency prepaid cards charge either much lower overseas fees, or nothing at all.

                When comparing deals, you just need to remember to look out for charges for loading money on to the card, as well as so-called 'inactivity' fees that can kick in if you don't use your card for a number of months. 

                Stick to a budget

                It's easy to relax the purse-strings a little on holiday, but we can easily end up regretting it if our excess leads to a debt headache on our return.

                However, unlike a credit card, or a debit card that allows you to go overdrawn, a prepaid card will only allow you to spend what you’ve put on it.

                And that makes it a helpful tool for sticking to your holiday budget (although you may want to carry another form of payment in case of emergencies). 

                Stay secure

                A small amount of local currency can be very useful when you arrive at your holiday destination. 

                But taking your entire budget in cash is very risky and could leave you in a sticky situation if your wallet, purse or bag gets stolen, for example. If, on the other hand, your foreign currency prepaid card is lost or stolen, all you need to do is contact the card provider immediately to cancel it and many providers will either issue you with emergency cash or even send out a replacement. 

                Find the best deal

                With MoneySuperMarket, you can compare and apply for a range of foreign currency prepaid cards with ease. So take a look at our tables to ensure you're getting the right one for your particular needs.