|Account||Network||Type||Foreign ATM fees outside SEPA||International ATM surcharge fee rebates||Foreign currency transaction fees||annual/ monthly fees||Eligible countries||notes|
|N26 You||Mastercard||Debit||0||-||0||9,90€ monthly||Most EEA countries||German bank|
|Monese Classic||Mastercard||Prepaid||900€ per month free, then 2%||-||0||5,95€ monthly||All EEA countries||Belgian E-money|
|Wirex Standard||Mastercard||Prepaid||400€ per month free, then 2%||-||0||0||All EEA countries||Lithuanian e-money. own exchange rates for at least some currencies, card terms are unclear which rates will be used.|
|Aion Bank Light Membership||Mastercard or Maestro||Debit||300€ per month free, then 2%||-||0||3,90€ monthly||Many EEA countries||Belgian bank, use own exchange rates|
|Paysend Global Account||Mastercard||Prepaid||200€ per month free, then 2%||-||0||0||All EEA countries||Spain based. own exchange rates. top-up by card only.|
|Conotoxia||Visa||Prepaid||200€ per month free, then 2%||-||0||0||All EEA countries||Polish account. Own exchange rate for 20 currencies, Visa rates for the rest.|
|My Travel Union||Mastercard||Prepaid||2x and max 200€ per month free||-||0||0||all EEA countries||Lithuanian E-Money|
|Zen Gold||Mastercard||Prepaid||200€ per month free, then 1,5%||-||0||0,90€ monthly||All EEA countries, see card terms||Lithuanian e-money|
|Crypto.com Midnight Blue||Visa||Prepaid||200€ per month free, then 2%||2000€ per month free, then 0,5%||0||All EEA countries||Lithuanian e-money. own exchange rates. inactivity fee of 5€ after 12 months. card cancellation costs 50€, see terms.|
|Revolut||Mastercard or Visa||Debit||200€ per month free, then 2%||-||0-3% depending on weekday etc.||0||All EEA countries||Lithuanian bank. Exchange rate top-up for certain currencies and on weekends between 0,5 and 2%, see disclosure. Account can also be in other European currencies.|
|Curve Blue||Mastercard||Debit||200€ per month free, then 2% min. 2€||-||0-3,5% depending on weekday etc.||0||all EEA countries||Lithuania based. have to already have a Mastercard or Visa to use service.|
|Vivid Money Standard||Visa||Debit||200€ per month free, then 3%||-||0,5-1% depending on weekday etc.||0||Germany, Italy, Spain||German bank, inactivity fee after 4 months|
|Bunq easyMoney||Mastercard or Maestro||Debit||4 per month free, then 0,99€||-||0,5%||8,99€ monthly||Most EEA countries||Dutch bank|
|Wise Multi-Currency Account||Mastercard||Debit||2x and 200€ max. per 30 days free, then 0,50€ + 1,75%||-||0.35%-2.85%, depending on currency||0||All EEA countries||Belgian E-Money. You can add money directly to your account in 18 currencies including: BGN, CHF, CZK, DKK, EUR, GBP, HRK, HUF, NOK, PLN, RON, SEK. Own exchange rates for 50+ currencies, Mastercard for the rest.|
|N26 Bank Account||Mastercard||Debit||1,7%||-||0||0||Most EU & EFTA countries||German bank.|
|Moneybase||Mastercard||Prepaid||1% min. 0,95€||-||0||0||All Eurozone countries||Malta based, own exchange rates|
|DiPocket||Mastercard||Prepaid||1€||-||1%||0||All EEA countries||lithuanian e-money, accounts based in Poland. no load fee
Cards available in: GBP,EUR,PLN, USD. Acccounts available in EUR, GBP, PLN, USD and CHF
|Nickel Chrome||Mastercard||Debit||1€||-||0||50€ annually||Belgium, France, Portugal, Spain||France based|
|Openbank R42||Mastercard||Debit||0||5 per month||0||7,99€ monthly||Germany, Netherlands, Portugal, Spain||Spanish bank|
|Tomorrow Change||Visa + Vpay||Debit||5 per month free, then 2€||-||0||7€ monthly||Austria, Germany, Italy, Spain||German Bank|
|Sweep Bank||Mastercard||Debit||4 per month free, then 2% + 1€||-||0||depends on issuing country||Finland, Germany, Latvia||Maltese bank|
|DKB||Visa||Debit||0||-||0||0||Austria, Germany, Switzerland||German bank. 700€ monthly deposit required after 6 months to still enjoy 0% currency conversion.|
|Lunar Way||Visa||Debit||depends on issuing country||-||0||0-69DKK monthly||Denmark, Norway, Sweden||based in Denmark|
|Unicredit Start||Mastercard||Debit||free for withdrawals of 80€ or more||-||0||0||Slovakia, Czech Republic||Czech bank|
|Advanzia Bank||Mastercard||Credit||1,49-2% interest per month, depending on issuing country||-||0||0||Austria, France, Germany, Italy, Luxembourg, Spain||Luxembourgish Bank. German customers would be wise to pick this cobranded card, because it offers autopay by SEPA direct debit.|
|BNP Paribas Personal Finance||Mastercard||Credit||depends on issuing country||-||0||depends on issuing country||Austria, Bulgaria, Czech Republic, Germany, Hungary, Italy, Romania, Slovakia|
|Societe Generale Consumer Finance||Mastercard or Visa||Credit||depends on issuing country||-||0||depends on issuing country||Czechia, Germany, Italy, Romania|
|Santander Consumer Finance||Mastercard, Maestro or Visa||Credit||depends on issuing country||-||0 - 0,59%, depending on issuing country||depends on issuing country||Austria, Germany, Italy, Spain (Eroski Co-brand card), Sweden|
|Cofidis||Mastercard or Visa||Credit||depends on issuing country||-||0-1%, depending on issuing country||0||Belgium, Czech Republic, France, Spain|
|Bank Norwegian||Visa||Credit||0||-||0 - 1,75%, depending on issuing country||0||Denmark, Finland, Germany, Norway, Spain, Sweden||Norwegian bank|
|TF Bank||Mastercard||Credit||depends on issuing country||-||0||0||Austria, Germany, Norway||Swedish Bank|
|Klarna||Visa||Credit||not possible||-||0||0||Sweden, Germany||Swedish bank|
|Diners Club Pure||Diners Club International/ Discover||Credit||2€ + 2,5%||-||0||0||Slovakia, Czech Republic|
Rules for inclusion:
I’ve focused on pan-european and multi-country offers (list is growing every year) with zero or very low conversion and/or withdrawal fees. There is a decent option for every EEA resident available here.
Credit cards are still mostly local only. They should at least offer 0 or very low conversion fees.
Eligibility usually concerns residence, not citizenship.
Unless you see an offer on the list above that fits your needs even better, get Zen or My Travel Union. Both use card company rates and have low or no monthly fees.
If you travel only occasionally Monese is also a good option, the Classic tier can be up- and downgraded on a monthly basis. The basic tier is free.
If the included travel insurance justifies the price for you N26 You is great as well.
Credit cards: If there isn’t one listed for your country or you don’t qualify for one, don’t worry, you only truly need to use a credit card when renting a car or similar (depending on country), for most other purposes a debit or prepaid card is just fine.
Watch out: There are some banks that hide their currency conversion fee behind the fact that they use their own exchange rates instead of those from Visa or Mastercard. This way they can claim there are “zero” conversion fees, but then use exchange rates that are worse than the card companies’ and pocket the difference. The fine print should reveal this, but it’s a pain.
For some European countries not using the Euro there’s an additional wrinkle: There can be double conversions. You spend in say Indian Rupees, Mastercard converts to Euro and your bank then converts from € to your local currency with their own exchange rate. That’s how they can still have their cut. Seems to happen more with Mastercard than Visa. Here’s a good explainer how it works with Polish banks. Again, the fine print should reveal this.
Now, Revolut, Curve and Wise for example do not use Visa or Mastercard rates either, but at least they are transparent in that they use the mid-market rate. But still, with Revolut and Curve you’re up to 2% worse off on weekends, and with Wise in any case. 99% of the time you’re better off sticking to the card companies’ rates and you won’t have to compare rates and what not.
Inside the EEA the European Central Bank rates are the best, but few banks use them for card transactions.