Money

The travel cards that stop fees at the source: Revolut, Wise, N26 and Monzo compared on FX rates, weekend markups, ATM allowances and travel extras.

Multi-currency accounts hold and convert money in dozens of currencies at honest rates. Who actually needs one, who doesn’t, and how travellers use them well.

A declined card abroad is almost always one of five fixable causes. The two-minute triage that gets you paying again, in the order that actually works.

ATM fees abroad stack three layers deep: operator fee, DCC markup, your own bank’s cut. The withdrawal routine that dodges all three, with the tested Thai numbers.

Revolut and Wise solve travel money differently: feature depth vs rate purity. Both live in my pocket, here is which one wins which job, and why the weekend is the real divider.

Revolut is the most complete travel money app: real rates on weekdays, travel mode, instant controls, an eSIM fallback. The weekend rule and tier limits, explained.

Wise gives you the exchange rate you see on Google plus a small upfront fee, in 40+ currencies. Where it beats every bank, and where it stays deliberately thin.

Dynamic currency conversion quietly adds 4-8% to card payments abroad. What the home-currency button really costs, and the two-word rule that avoids it.