Which bank ATM card is best for international?

Choosing the Best Bank ATM Card for International Travel

For frequent international travelers, selecting an ATM card that provides seamless access to cash and rewards can significantly enhance the travel experience. Here’s a comparison of some top options:

Starling UK

• International ATM withdrawals: Free within Europe, 2% fee elsewhere
• Cashback: Up to 1% on debit card purchases
• Benefits: No monthly fee, free currency exchange on weekends

Chase UK

• International ATM withdrawals: 3% fee on withdrawals over £300
• Cashback: Up to 5% on selected categories
• Benefits: High withdrawal limits, exclusive travel discounts

Wise

• International ATM withdrawals: Variable fees based on currency and location
• Cashback: None
• Benefits: No monthly fee, real-time currency conversion, multi-currency accounts

Choosing the Right Card

The best card for you depends on your individual needs and travel patterns:

• Starling UK: Ideal for frequent travelers within Europe and those prioritizing free currency exchange.
• Chase UK: Suitable for those making larger ATM withdrawals and seeking generous cashback rewards.
• Wise: An excellent option for international travelers with diverse currency needs and multiple travel destinations.

Considerations

When choosing an ATM card for international travel, consider the following factors:

• International ATM fees: Compare fees and ensure you understand the charges for withdrawals outside your home country.
• Cashback rewards: Look for cards that offer cashback or other incentives on foreign transactions.
• Currency exchange rates: Some cards may offer favorable currency exchange rates, saving you money on conversions.
• Security features: Ensure your card has robust security measures to protect your funds.
• Monthly fees: Some cards may charge a monthly fee, so consider the overall cost of ownership.

By carefully considering these factors and selecting the best ATM card for your needs, you can maximize the convenience and rewards of international travel while minimizing unnecessary expenses.