Neobanks · ranked
Spending abroad on a card
For people whose foreign-currency spending is card payments rather than transfers, at a volume around the scenario this site compares.
Disclosure Links to providers on this page earn this site nothing. They go to the provider’s own site unmodified, with no tracking parameters. If that ever changes, this notice changes with it. Full disclosure.
- FX cost on £1,500/mo
- £0.00
- Conversion fee
- 0.50%
- Fee-free allowance
- £3,000/mo
- Currencies held
- 39Past its re-verification window; last checked Sep 2026
- Monthly fee
- £3.99/mo
- Free ATM withdrawals
- £200/mo, then 2% (min £1)
- Local account details
- GBP, USD and PLN; other currencies arrive by SWIFT
- FX cost on £1,500/mo
- £0.00
- Conversion fee
- None
- Fee-free allowance
- None
- Currencies held
- 39Past its re-verification window; last checked Sep 2026
- Monthly fee
- £8.99/mo
- Free ATM withdrawals
- £400/mo, then 2% (min £1)
- Local account details
- GBP, USD and PLN; other currencies arrive by SWIFT
- FX cost on £1,500/mo
- £0.00
- Conversion fee
- None
- Fee-free allowance
- None
- Currencies held
- 39Past its re-verification window; last checked Sep 2026
- Monthly fee
- £16.99/mo
- Free ATM withdrawals
- £800/mo, then 2% (min £1)
- Local account details
- GBP, USD and PLN; other currencies arrive by SWIFT
- FX cost on £1,500/mo
- £0.00
- Conversion fee
- None
- Fee-free allowance
- None
- Currencies held
- 1
- Monthly fee
- Free
- Free ATM withdrawals
- 2 withdrawals/mo in euro; 1.7% outside the eurozone
- Local account details
- EUR, with a German, French, Italian or Spanish IBAN
- FX cost on £1,500/mo
- £0.00
- Conversion fee
- None
- Fee-free allowance
- None
- Currencies held
- 1Past its re-verification window; last checked Sep 2026
- Monthly fee
- Free
- Free ATM withdrawals
- EEA unlimited; elsewhere £200/30 days, then 3%
- Local account details
- GBP only; payments from abroad arrive by SWIFT to a GB IBAN
- FX cost on £1,500/mo
- £0.00
- Conversion fee
- None
- Fee-free allowance
- None
- Currencies held
- 2
- Monthly fee
- Free
- Free ATM withdrawals
- Free, up to £300/day
- Local account details
- GBP, and EUR with its own IBAN in the free euro account
- FX cost on £1,500/mo
- £0.00
- Conversion fee
- None
- Fee-free allowance
- None
- Currencies held
- 1Past its re-verification window; last checked Sep 2026
- Monthly fee
- Free
- Free ATM withdrawals
- Free, up to £500/day and £1,500/month abroad
- Local account details
- GBP only; cannot receive payments from abroad
- FX cost on £1,500/mo
- £0.00
- Conversion fee
- None
- Fee-free allowance
- None
- Currencies held
- 1Past its re-verification window; last checked Sep 2026
- Monthly fee
- Free
- Free ATM withdrawals
- Free, no Kroo limit published
- Local account details
- GBP only; cannot receive payments from outside the UK
- FX cost on £1,500/mo
- £0.00
- Conversion fee
- None
- Fee-free allowance
- None
- Currencies held
- 1
- Monthly fee
- £3/mo
- Free ATM withdrawals
- Free in the EEA; £200/30 days elsewhere, then 3%
- Local account details
- GBP only; payments from abroad arrive by SWIFT to a GB IBAN
- FX cost on £1,500/mo
- £0.00
- Conversion fee
- None
- Fee-free allowance
- None
- Currencies held
- 0
- Monthly fee
- £3.33/mo
- Free ATM withdrawals
- £500/mo, then 1%
- Local account details
- None; it is a card linked to your bank account, not an account
- FX cost on £1,500/mo
- £0.00
- Conversion fee
- 1.00%
- Fee-free allowance
- £3,333/mo
- Currencies held
- 0
- Monthly fee
- £5.99/mo
- Free ATM withdrawals
- £300/mo, then 2% or £2
- Local account details
- None; it is a card in front of your other cards, not an accountCalculated from attributes verified Sep 2026
- FX cost on £1,500/mo
- £0.00
- Conversion fee
- None
- Fee-free allowance
- None
- Currencies held
- 1
- Monthly fee
- £9/mo
- Free ATM withdrawals
- Free in the EEA; £600/30 days elsewhere, then 3%
- Local account details
- GBP only; payments from abroad arrive by SWIFT to a GB IBAN
- FX cost on £1,500/mo
- £0.00
- Conversion fee
- None
- Fee-free allowance
- None
- Currencies held
- 1
- Monthly fee
- £19/mo
- Free ATM withdrawals
- Free in the EEA; £600/30 days elsewhere, then 3%
- Local account details
- GBP only; payments from abroad arrive by SWIFT to a GB IBAN
- FX cost on £1,500/mo
- £0.00
- Conversion fee
- 1.00%
- Fee-free allowance
- £50,000/mo
- Currencies held
- 0
- Monthly fee
- £9.99/mo
- Free ATM withdrawals
- £500/mo, then 2% or £2
- Local account details
- None; it is a card in front of your other cards, not an accountCalculated from attributes verified Sep 2026
- FX cost on £1,500/mo
- £0.00
- Conversion fee
- 1.00%
- Fee-free allowance
- £100,000/mo
- Currencies held
- 0
- Monthly fee
- £17.99/mo
- Free ATM withdrawals
- £1,000/mo, then 2% or £2
- Local account details
- None; it is a card in front of your other cards, not an accountCalculated from attributes verified Sep 2026
- FX cost on £1,500/mo
- £0.00
- Conversion fee
- None
- Fee-free allowance
- None
- Currencies held
- 0
- Monthly fee
- £12.50/mo
- Free ATM withdrawals
- £750/mo, then 1%
- Local account details
- None; it is a card linked to your bank account, not an account
- FX cost on £1,500/mo
- £3.60
- Conversion fee
- 0.24%
- Fee-free allowance
- None
- Currencies held
- 40
- Monthly fee
- Free
- Free ATM withdrawals
- £250/mo, then 2.69%
- Local account details
- GBP, EUR, USD, AUD, CAD, NZD, SGD, HKD, HUF, TRY, PLN, RON, PHP and MYR
- FX cost on £1,500/mo
- £5.00
- Conversion fee
- 1.00%
- Fee-free allowance
- £1,000/mo
- Currencies held
- 39
- Monthly fee
- Free
- Free ATM withdrawals
- £200/mo or 5 withdrawals, then 2% (min £1)
- Local account details
- GBP, USD and PLN; other currencies arrive by SWIFT
- FX cost on £1,500/mo
- £10.00
- Conversion fee
- 1.00%
- Fee-free allowance
- £500/mo
- Currencies held
- 0
- Monthly fee
- Free
- Free ATM withdrawals
- £200/mo, then 2%
- Local account details
- None; it is a card linked to your bank account, not an account
- FX cost on £1,500/mo
- £37.38
- Conversion fee
- 2.99%
- Fee-free allowance
- £250/mo
- Currencies held
- 0
- Monthly fee
- Free
- Free ATM withdrawals
- None free; 2% or £2, whichever is greater
- Local account details
- None; it is a card in front of your other cards, not an accountCalculated from attributes verified Sep 2026
- FX cost on £1,500/mo
- £44.85
- Conversion fee
- 2.99%
- Fee-free allowance
- None
- Currencies held
- 1Past its re-verification window; last checked Sep 2026
- Monthly fee
- Free
- Free ATM withdrawals
- £3 per withdrawal abroad
- Local account details
- GBP only; payments from abroad arrive to a GB IBAN and are converted
Every figure here was checked against the provider’s own page in Oct 2026, except where a date is shown against the figure. Figures are rechecked at least every 30 days; one past that is marked “Recheck due”.
date checked against the provider’s own pagecalculated; oldest date among its inputspast its recheck window
Segments show the tier reached, not the score:BasicStandardStrongExcellent
This is the same verified dataset as the neobanks table, re-ordered on one column. The overall score is still shown, and it does not order this page — which is why the leader here can differ from the leader there.
Scoring weights
rubric 2026.1
- FX cost on £1,500/mo spend45%
- Currency coverage35%
- Account fee20%
Set once per vertical and versioned. Changing a weight is a logged version bump, not routine upkeep — methodology.
Verification state
- Dated fields in this table
- 147
- Oldest check
- Sep 2026
- Most recent check
- Oct 2026
- Recheck window
- 30 days
- Past that window
- 7
What this ranking does not say
One column answers one question. It is not a verdict on the products underneath it.
- Ranking first here means leading on fx cost on £1,500/mo alone. Where the overall score disagrees, the difference is the weighting, published in full beside this table.
- Ranking last here is not a warning. A product can be the right choice for something this column does not measure — its own page says what its figures do and do not capture.