Best debit card in the UK for use abroad?
The choice between a regular debit card and a card for use abroad is slightly different. After all, when choosing a debit card for use abroad, it is important to take into account factors such as fees for transactions abroad, fees for ATM withdrawals in different countries, exchange rates, etc. The main emphasis in the selection should be on features that make international travel more convenient for the cardholder. Here are some of the best UK debit cards to use abroad.
On this page, Bankchart analysts have collected the most popular travel debit cards prepaid, debit cards for Europe travel, debit cards with no foreign transaction fee, and international debit cards. We will describe in more detail the advantages of such cards offered by banks.
- Starling Bank offers individuals a euro bank account. The bank does not charge commissions for foreign transactions, as well as for international withdrawals. Another important advantage is that the Mastercard exchange rate is used without an additional markup.
- Monzo Bank offers the same card benefits as Starling Bank. However, the bank has put a limit on international free withdrawals, which is only valid up to £200 in 30 days
- Revolut offers a Revolut Standard Account with no foreign transaction fees. There are no fees for ATM withdrawals abroad up to £200 per month on the standard plan. The exchange rate includes a mark-up only on weekends, on working days - without mark-up.
In addition, you can familiarize yourself with the offers of other banks and choose an account or travel card that best suits your needs. We remind you that when choosing such a card, you should take into account not only commissions and limits but also the exchange rate.
You can also place free funds on a savings account.
Calculate your future income on a savings account (example):
| Amount, $ | Rate, % | Accrued %, $ |
| 30,000 | 4.10% | 1,230 |
| 30,000 | 4.20% | 1,260 |
| 30,000 | 4.30% | 1,290 |
| 80,000 | 4.60% | 3,680 |
| 80,000 | 4.70% | 3,760 |
| 80,000 | 4.80% | 3,840 |
| 190,000 | 5.20% | 9,880 |
| 190,000 | 5.30% | 10,070 |
| 190,000 | 5.40% | 10,260 |
| 340,000 | 5.60% | 19,040 |
| 340,000 | 5.70% | 19,380 |
| 340,000 | 5.80% | 19,720 |
What is the best debit card for Europe travel from the UK?
When traveling to Europe from the UK, the best debit card should offer low or no foreign transaction fees, favorable exchange rates, widespread acceptance, and easy access to customer support. Here are some of the top options:
- Starling Bank Debit Card
- Monzo Debit Card
- Revolut Debit Card
- Wise (formerly TransferWise) Debit Card
- HSBC Global Money Account
What documents should I take to open a debit card?
When opening a debit card account in the UK, you typically need to provide the following documents:
- Proof of Identity: a valid passport is widely accepted as proof of identity. Both full and provisional UK driving licences are usually accepted. For EU citizens, a national ID card can serve as proof of identity.
- Proof of Address: a recent utility bill (e.g., electricity, gas, water) dated within the last 3 months. A recent statement from a UK bank or credit card provider, also within the last 3 months. A council tax bill for the current tax year. A formal tenancy agreement from a registered letting agency. If not used as proof of identity, it can be used as proof of address.
- Proof of Income/Employment (Sometimes Required): recent pay slips from your employer, usually covering the last 3 months. A contract or letter from your employer confirming your employment.
- Statements showing your income if you're self-employed.
- Additional Documents for Non-UK Residents: proof of your right to reside in the UK, such as a visa or residency permit. If you are a non-resident, you may need to provide proof of your overseas address in addition to your UK address.
- Additional Information: this may be required when opening an account that offers interest or other financial services. A valid UK phone number and email address.
