Calculator
Card spending abroad cost calculator
A fee-free allowance is worth a lot at low spend and little at high spend. Enter what you spend on the card in other currencies in a month and see what each account charges for it.
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At £1,500 a month, 5 accounts charge nothing in fees: Chase Current Account, Kroo Current Account, Monzo (free account), N26 Standard and Starling Personal. What separates them is the rest: which currencies they hold and what cash abroad costs.
- A year
- £0.00
- Conversion fee
- None
- Kroo Current Account£0.00
- A year
- £0.00
- Conversion fee
- None
- Monzo (free account)£0.00
- A year
- £0.00
- Conversion fee
- None
- N26 Standard£0.00
- A year
- £0.00
- Conversion fee
- None
- Starling Personal£0.00
- A year
- £0.00
- Conversion fee
- None
- Monzo Extra£3.00
- A year
- £36.00
- Conversion fee
- None
- Currensea Pro£3.33
- A year
- £39.96
- Conversion fee
- None
- Wise Account£3.60
- A year
- £43.20
- Conversion fee
- 0.24%from the first pound
- Revolut Plus£3.99
- A year
- £47.88
- Conversion fee
- 0.50%after £3,000 a month free
- Revolut Standard£5.00
- A year
- £60.00
- Conversion fee
- 1.00%after £1,000 a month free
- Curve Pay X£5.99
- A year
- £71.88
- Conversion fee
- 1.00%after £3,333 a month free
- Revolut Premium£8.99
- A year
- £107.88
- Conversion fee
- None
- Monzo Perks£9.00
- A year
- £108.00
- Conversion fee
- None
- Curve Pay Pro£9.99
- A year
- £119.88
- Conversion fee
- 1.00%after £50,000 a month free
- Currensea Essential£10.00
- A year
- £120.00
- Conversion fee
- 1.00%after £500 a month free
- Currensea Elite£12.50
- A year
- £150.00
- Conversion fee
- None
- Revolut Metal£16.99
- A year
- £203.88
- Conversion fee
- None
- Curve Pay Pro+£17.99
- A year
- £215.88
- Conversion fee
- 1.00%after £100,000 a month free
- Monzo Max£19.00
- A year
- £228.00
- Conversion fee
- None
- Curve Pay£37.38
- A year
- £448.56
- Conversion fee
- 2.99%after £250 a month free
- Zempler Freedom£44.85
- A year
- £538.20
- Conversion fee
- 2.99%from the first pound
Published fees on each account’s free or standard plan, from the provider’s own fee page, checked October 2026. Cash withdrawals abroad are priced separately and are not included.
How it is worked out
Each account’s conversion fee on the part of your spending above any fee-free allowance it gives each month, plus its monthly fee. These are the figures the neobanks comparison scores, with your spending in place of its £1,500.
The fee is what the account charges on top of the exchange rate it uses. The rate itself differs: some accounts use Mastercard’s or Visa’s, some their own, and Revolut’s allowance applies at its weekday rate. That difference is not in the figures. The guide to the cheapest card to spend abroad covers it.