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Simplify your spending abroad with a prepaid travel card, find a prepaid travel card, what is a prepaid travel card.

A  prepaid travel card , also known as a 'travel money card', is  a debit card that you preload with money  and take on holiday. It's a good way to stick to your holiday budget and avoid carrying a lot of cash. 

Prepaid travel cards  can be used at cashpoints, in shops and restaurants , or anywhere that accepts Mastercard or Visa debit or credit cards.

However, a prepaid travel card is  not the same as a  credit card  for two key reasons:

You can only spend the amount you have put on the card; the pre-loaded limit prevents you overspending and getting into debt 

You can choose which currency to preload your travel money card with depending on where you're going, which often means you can secure a better exchange rate

Pick a card with fees that suit how you plan to use it, e.g. choose one with no withdrawal fees if you'll be withdrawing cash often while travelling.”

What are the different types of prepaid travel cards?

Multi-currency prepaid cards.

These can be loaded with several different currencies , making them ideal for both frequent travellers and those taking trips to multiple destinations. For example, you holiday in Europe but often visit the US on business, you could use a prepaid travel card to cover your everyday spending wherever you are by topping it up with say £600 then exchanging £200 into euros and £200 into US dollars. The different currencies will then be stored in separate “wallets” , allowing you to switch currencies when you like.

Sterling prepaid cards

These can be used at home and abroad , making them even more flexible than the best travel cards offering multiple currencies. You don’t need to worry about setting up a wallet for the currency you want to use; the card provider simply converts your pounds to the required currency each time you make a purchase . However, this can make holiday budgeting harder and may increase your costs, depending on the charging structure.

Euro prepaid cards

As well as multi-currency cards, you can take out prepaid cards designed to hold a specific currency . This can work out excellently if you're trying to lock in a good rate now by loading your euro prepaid card, but if you then use the card to buy things in a country that isn't in the eurozone. That's because if you spend in a country that does not use the euro, it converts to the local currency each time you make a purchase, which can work out more expensive.

Prepaid US dollar cards

These keep your balance in dollars . If you spend in countries that use a different currency, the card will exchange your dollars to the local currency, and you might well be charged a fee. The currency exchange takes place as soon as you load your card . If the pound strengthens afterwards, you won’t be getting the best value for money, but it if weakens you'll do well.

How to get a prepaid travel card

Compare cards.

Use our table below to find prepaid travel card that offers the features you need with the lowest fees

Check your eligibility

Make sure you fit the eligibility criteria for your chosen travel money card and can provide the required proof of ID

Apply for the card

Click 'view deal' below and fill out the application form on the provider's website with your personal details

What are the eligibility requirements?

Anyone can get a prepaid travel card. There's no need to have a bank account, and  no credit checks are required . Some providers have a minimum age of 18, but many will let you have a prepaid card from the age of 13 with parental consent. 

Sometimes parents like to use travel money cards to give their children a set amount of  holiday money , and to help teach them about budgeting and financial responsibility. 

Pros and Cons

What exchange rate do you get.

Exchange rates vary over time depending on what is happening in the wider economy. That means the exchange rate you get on a US dollar travel card today, for example, might not be the same as you get tomorrow or next week.

What prepaid cards offer is the ability to lock in today's rate to use later on. That could see you better off if the pound weakens, but might also mean you get a poor deal if the pound strengthens.

That offers is certainty - you'll know exactly how many dollars, euros, lira or whichever currency you load onto the card you have to spend on holiday.

Today’s best exchange rates

At what point is the currency exchanged with prepaid travel cards.

Some prepaid travel cards hold the balance in pounds sterling. These convert the required amount to the local currency every time you spend on them .

The exchange rate isn’t fixed, so you’ll only know how many pounds you have on the card - not what it will buy you while overseas.

But the cards in our comparison table convert your money when you add it onto the card. This means you know the exchange rate used and your card's exact balance before you go away.

Compare the rates before you choose a prepaid card. Although rates can change several times a day, some travel cards will be more competitive than others.

Using a card with competitive exchange rates will mean you get more local currency for your pound.

You also need to watch out for fees as well as withdrawal limits when choosing a card, as these can vary between providers.

What are the alternatives to prepaid travel cards?

Travel credit card.

A travel credit card works just like a regular credit card, with which you can make purchases by borrowing money. The main difference is that travel credit cards don't charge foreign transaction fees for spending abroad. 

Travel money

For many people, cash is the most comfortable form of payment when travelling. It's hassle-free and universally accepted. But it’s riskier, as you'll lose out if it’s lost or stolen and you’ll need to budget carefully to ensure your foreign currency lasts the length of your trip. 

Travel debit card

These days, there are plenty of specialist banks and providers that offer bank accounts that don't charge foreign transaction fees when used abroad. This offers you a chance to take advantage of the best exchange rates. And if it's your main current account, you won't have to worry about topping up your account before you go.

What other costs or fees are there with prepaid travel cards?

As well as the exchange rate, you might have to pay several other charges on your prepaid travel card.

These could include:

A fee to buy the card

A monthly or annual fee for keeping the account open

Cash withdrawal fees

Transaction fees when you pay for anything on the card

Inactivity fees

Loading fees when you add money onto the card

Some cards also charge fees for withdrawing cash or making purchases inside the UK .

But some of the cards in this comparison do not charge fees in countries that use currencies loaded on the card - just make sure the right one is selected before spending on them.

Check carefully for fees before you pick one.

Read our full guide on how much it costs to use a travel prepaid card and how to choose one .

"With multi-currency cards, check you've selected the right currency before you arrive."

How long does it take to get a prepaid travel card?

You can apply online and get a decision immediately. However, it can take up to two weeks before your card arrives in the post.

Can I use any prepaid card abroad?

Yes, you can use prepaid Visa or Mastercard cards in most destinations worldwide.  Travel prepaid cards  are usually cheaper to use overseas than a standard credit or debit card. 

Can I withdraw cash abroad?

Yes, you can use a travel money card in a cash machine outside the UK. Some cards  charge fees  for this, so always check if you want to use your prepaid travel card to make cash withdrawals.

What currencies can my card hold?

All the travel money cards in our comparison can hold a balance in popular currencies such as euros or dollars, while some support more than 50 different currencies.

Can I make international payments?

Yes, some providers let you send or receive money from abroad by logging into your online account, which works in the same way as standard internet banking.

Who sets the exchange rate?

This depends on the company that processes the transactions. Typically, it’s down to  Visa or Mastercard , as well as your card provider, which may take an additional cut.

Can I use my prepaid card in the UK?

You can use prepaid cards to withdraw cash or buy things in the UK or online. However, you may pay fees or even an exchange rate if your card is loaded with a foreign currency.

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The best prepaid travel cards (travel money cards) in 2024

Article contents

In a nutshell

• Best prepaid travel money cards
• Best direct debit travel card
• Our criteria for the best prepaid travel money cards
• What's the best prepaid travel card for Europe?

What is a prepaid travel card?

Store multiple currencies, the best prepaid travel card in the uk.

• Pros and cons of prepaid travel cards

What’s the alternatives to multi-currency prepaid cards?

What is the mid-market rate (the real exchange rate), what’s the mastercard rate, prepaid travel card fees, how to get a prepaid travel card.

• Are prepaid travel cards safe?

Let’s recap

The best prepaid travel cards are Revolut and Wise. Although not a prepaid card, one of the best cards to use abroad is Currensea (it links to your bank account). They’re all super popular, with low fees, and are easy to sign up and use.

Heading off on an adventure or holiday abroad? Or perhaps a work trip? Making the right decision on travel money can save you a small fortune – and a prepaid travel money card is likely your best option. So without further ado, here’s the best:

The best travel money card

The best travel card overall.

Best travel card

Currensea tops the list – it's super simple to use, just connect it to your bank account and it’s low cost too. You'll also get a £5 welcome bonus.

£5 welcome bonus

With Currensea, you can get a travel card that connects directly to your bank account – it acts just the same as your bank card, and transactions come directly out of your bank account.

The only difference, is you won't have to pay hefty bank fees, saving anywhere from 85% to 100% of the cost.

It's a great alternative to a prepaid travel card if you want something a bit simpler.

Best prepaid travel money card

The best prepaid card you top-up beforehand, all ready to spend.

No exchange fees on the first £500 per month

Zing is the travel money and money transfer app from HSBC.

It’s pretty great for spending abroad – simply transfer money to it, convert it to the currency you’d like, and then spend away.

And it’s low cost, with a simple fee of 0.20% to convert currency (swap your local currency for the one you need, e.g. Pounds to Euros). It uses the real exchange rate, so no hidden fees either.

You can also make one international cash withdrawal per month for free too (£2 fee after), with UK withdrawals being fee-free, and there’s 24/7 customer support from real people.

You can also send money from your Zing account to your friends and family who live abroad (with no outbound transfer fees).

• All currencies available
• Hold multiple currencies in one account
• Send money abroad
• No hidden fees
• Excellent customer support (24/7)
• Part of HSBC
• No interest on your balances
• Not much else!

Offer ends Dec 2024. Zing is not a bank. Zing is an e-money institution (EMI) authorised by the Financial Conduct Authority. Find out more, including what this means to you by visiting Zing.

Wise is one of the best travel cards out there. It's super popular, with over 16 million customers around the world.

It's got some of the lowest fees you'll find, and it's available in over 40 currencies and 150+ countries.

The card is contactless, and there's a great phone app (and website) to manage everything too.

Our criteria for the best prepaid travel cards

To compare and determine the best travel money cards, we looked at:

Exchange rate

• Withdrawal fees from an ATM

Card delivery fee

• Number of currencies available
• Ease of use (manage online via a website or phone app)

There’s lots of options for converting (changing) your money, or spending abroad, such as changing cash in-person at a bureau de change (not recommended), using an ATM, or a credit card or debit card abroad – but a prepaid travel card is often one of the easiest and cheapest options – and you can reuse them for all your holidays in the future, or even on the same trip to different countries, spending different currencies. 

We’re big fans of prepaid travel cards here at Nuts About Money, and are only recommending the best – they’re ones we recommend to our friends and family (and readers of course), and use ourselves when we’re able to get away.

So, whichever travel card (from our recommendations) you opt for, you can be confident they’re safe to use, trustworthy, and you’ll be using one of the cheapest options available.

What’s the best prepaid travel card for Europe?

If you’re heading off to Europe for a bit of getaway, you’ve got loads of options when it comes to a prepaid travel card – just make sure you don’t use your current bank account and debit card – you’ll be charged hefty fees (we’ll cover all of this below).

Anyway, the best travel card for Europe is Currensea ¹ – it’s easy to use, just link it to your existing bank account and you’re good to go. It’s very low cost too (and no set up fees).

A prepaid travel card is similar to a bank card (debit card) that you might use for all of your spending in the UK, except instead of your money coming directly out of your bank account, you’ll top it up with money beforehand (or during your trip) – meaning you’ll simply send Pounds (GBP) from your bank account directly to the card (account). 

Note: you can send it back if you don’t spend it all.

Once the card has been 'topped-up', you can spend it abroad and withdraw cash from an ATM (cash machine), (e.g. Euros if you’re heading to Europe), meaning that you can save a lot of money in hidden fees and bad exchange rates – and these fees can really add up.

Why? Typically using your high street bank card abroad will mean a fee every time you want to use it, and your money will need to be converted into the local currency every time you use it too – at a very bad exchange rate that the bank sets (which often includes a hidden fee).

The prepaid travel cards we've listed above give you the freedom to spend like a local, and not worry about the cost. They’re pretty great.

With prepaid travel cards, you can actually store a range of different currencies in your account, it doesn’t have to be just one. And for this reason they’re often also called a multi-currency card, or a foreign currency card.

With Wise ¹, there’s actually over 40 different currencies you can store, and of course, spend. 

And normally, if you don’t have the particular currency you want to spend, the card will automatically convert another currency in your account to the currency you need when you spend. Pretty cool.

The best prepaid currency cards we’ve listed above are some of the best wherever you are in the world, for changing one currency to another, and spending in a different country (there’s a huge range of currencies with Wise ¹). And all great if you’re from the UK travelling abroad.

Pros and cons of prepaid travel money cards

Let’s run through the pros and cons of using a prepaid card:

• Cheap way of spending abroad (pay in the local currency)
• Easy way to spend (make contactless payments abroad)
• Store multiple currencies on one card
• Often free to withdraw cash from an ATM (up to a limit)
• Safe way of spending money abroad (don’t need loads of cash)
• Protection from fraud (sometimes able to refund a transaction, called a chargeback)
• Easily block your card if it’s lost or stolen (and get a replacement card)
• Great for setting a spending budget (no overdraft)
• Can be low withdrawal limits from an ATM (before fees)
• Might not be able to use it to hire a car or a hotel (or any pre-authorised transactions)
• Can’t spend more than you top up (no overdraft like a bank)

A prepaid currency card isn’t your only option, but it’s definitely one of the cheapest (especially with one of the top prepaid travel money card providers). You could also change cash before you go (very expensive), or use a credit card or debit card designed for foreign currency spending (don’t just use any credit or debit card, they can be expensive!).

But with those, you’ll need to do a full application with credit checks, and open a whole new bank account for a debit card. There’s not really much benefit vs a prepaid card (unless you’re travelling a lot, or in the market for a new bank).

Nuts About Money tip: if you don’t want to use a prepaid card, check out Currensea ¹, they’re a travel card that connects directly to your bank account – so whatever you spend comes directly out of your bank. It’s a pretty cool idea and much cheaper than your bank, as you’ll get cheaper currency conversion rates and no transaction fees.

Although you’ve likely heard of an exchange rate, which is how much you get in another currency when you swap (exchange) your Pounds for them (e.g. Pounds for Euros) – depending on where you exchange your money, this rate can vary wildly.

Typically banks and other foreign exchange places tend to set their own exchange rate, which is much worse than the real exchange rate… (it’s how you can often see commission-free advertised, but it’s not really, there’s a hidden fee in the exchange rate).

The real exchange rate (used worldwide) is called the mid-market rate, and this is the rate that banks themselves use to swap money (also called the interbank exchange rate), without any hidden fees involved. It is the rate the ‘market’ sets – where buyers and sellers come together.

Technically the mid-market rate is the middle of the buy and sell prices of two currencies (e.g. Pounds to Euros), and so it effectively represents the current exchange rate.

So, if a travel money company isn’t using the mid-market rate (they might say interbank rate), you’re not getting the ‘real’ exchange rate, and you’ll be paying a fee.

European Central Bank (ECB) rate

In Europe, the European Central Bank (an organisation that is intended to look after the finances of all the countries in Europe that use the Euro, similar to the Bank of England in the UK), set an exchange rate too, called the European Central Bank rate. 

You could think of this as another official rate, just for Euros, although you’ll never actually be able to get this rate – but the closer to it, the more money you’ll save.

There’s also something called the Mastercard rate, which as you’ve probably guessed, is the rate the company Mastercard sets – they’re a very big company who provides cards for banks and other financial companies for their customers to use (e.g. a bank debit card). Another similar company is Visa.

And similar to the mid-market rate, they set an exchange rate which is set on their cards for foreign exchange. 

They take a small fee within this rate, so it will always be slightly higher than the mid-market rate. And, companies using Mastercard services (e.g. to give their customers cards), can choose to either add their own fee on, or add no fees and pass on the exact exchange rate.

So, if you see a bank saying you’ll get the Mastercard rate, that means they haven’t added any extra fees and are passing the lowest rate possible they can get (with Mastercard) onto you. 

This rate will be one of the cheapest you'll be able to get. Just make sure they haven't added any commission on top.

The topic we’re all here for, how much do you actually pay with prepaid travel cards? We’ve covered the exchange rates above, and typically this is the main fee you’ll pay (if there is a fee hidden in the exchange rate).

However, there are some other fees to be aware of, depending on which card you choose, let’s run through all the foreign exchange fees:

Note: you don’t typically get charged a fee to spend money (often called foreign transaction fees) with prepaid cards, these are more common on credit cards and and with banks.

As mentioned above, there’s always a fee within the exchange rate, whether it’s hidden or not. Normally, you’ll see this as the mid-market rate, interbank rate or mastercard rate plus a certain amount on top (e.g. the mid-market rate plus 1%).

ATM withdrawal fees

Some card providers will let you withdraw cash for free from an ATM (cash machine), some have a limit on how much you can withdraw for free per month (or a maximum number of transactions before there’s a fee), and others have no limit but will charge for every withdrawal.

This can range from a fixed fee per withdrawal (e.g. £1), to a percentage of the amount you take out (e.g. 2%), or a combination of both.

Producing a card can involve a lot of admin and of course actually producing and printing the card and delivery, so a travel money card provider will often pass this fee onto you – so they can cover their costs if you don’t end up using the card.

This is normally around £5-10, although with some companies it can be free, but there’s normally conditions such as topping up your card beforehand.

Note: if you lose your card, you’ll often have to pay a card replacement fee too. This is typical with all cards, even our recommended options.

Inactivity fee

With some cards, there can also be an inactivity fee, which is a fee for not using the card after a certain period of time. This is normally after 12 months, and a fee per month of around £2 per month.

Note: the best cards we recommend above (like Wise ¹) don't have this fee. You can leave them for as long as you like (until your next holiday).

The great news is it’s super easy to get a prepaid travel card – it’s not like applying for a bank account or a credit card, you can get set up within a few minutes and the card can arrive the next day.

All you’ll need to do is first decide which travel card you’d like (we recommend Wise ¹ as they’re the cheapest, and have easy to use apps for managing your money), and then fill out a few details on their website (or app), prove you are who you say you are with your passport or driving licence, and that’s it.

You’ll need to transfer some money (also called ‘load money’) over from your bank account, or deposit via a debit card, and that’s it. You can start spending online straight away (you can also add your card to Apple Pay or Google Pay) – or wait until your card arrives in the post to start spending on that.

It literally couldn’t be easier.

Are prepaid travel money cards safe?

Yep, it’s perfectly safe to use a prepaid travel card.

The company giving you the card will need to be authorised by the Financial Conduct Authority (FCA), who are the people making sure financial companies are looking after you and your money.

Your money will also be held in a bank account with a very large bank (e.g. Barclays), completely separate from the company’s own money. So, if anything happened to the company such as going out of business, your money could only be returned to you.

Using a card is also much safer than taking out cash when abroad, and keeping cash in your hotel room (or your sock). There’s lots of safety features such as being able to freeze your card (so it temporarily can't be used) and protection from fraudulent transactions if your card was lost or stolen – which you can often do immediately within an app on your phone.

That’s all there is to it. Pretty simple right? You can get a prepaid travel card in just a few minutes, and the card can turn up the next day – you’ll benefit from saving a small fortune on your spending money abroad. Plus, it’s much safer than travelling with cash.

You can also use your card in a huge range of shops, bars and restaurants, just as you would in the UK (with contactless), and withdrawing cash from an ATM can be easy too.

And there you go, that’s your travel money sorted, all that’s left is to enjoy the holiday!

This article was written, reviewed and fact checked by the expert team at Nuts About Money. You’re in safe hands. Learn more .

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Finding the best prepaid travel card for you

By Matt Fernell , Editor-in-Chief at Finance.co.uk.

Prepaid travel cards can make travelling abroad a lot easier. Here’s how to choose the perfect travel card for your spending abroad.

How to find the right prepaid travel card

Prepaid travel cards are a safe and convenient way to spend abroad without having to carry lots of foreign cash around with you. You can also avoid any potential fees and charges from using your debit or credit card while travelling.

To find the card that works best for you, consider the different types of cards available, and what fees they charge. 

Choose the right type of prepaid travel card

There are different types of prepaid cards you can choose from, and which is right for you will depend on where you’re travelling to, and how you plan to spend. 

Prepaid euro cards : This type of card is designed to be used when travelling in Europe, specifically in countries that use the euro. It sets the exchange rate when you load your travel money onto the card.

Prepaid US dollar cards : This is the same as a euro card, but your balance will be held in dollars. It is ideal if you are planning a trip to the US, but could be expensive to use anywhere else.

Prepaid multi-currency cards : This type of card lets you hold your balance in different currencies, like sterling, dollars, and euros. This is convenient if you’re travelling around countries and want to use the same card.

For all of these cards, the exchange rate will be fixed at the time you load money on to the card. If you do use them to spend in a currency not included on the card, then you may be charged a fee, or face a more expensive exchange rate. 

You could also use a sterling prepaid card , where you load your card with pounds and can then use it at home and abroad. 

When you spend or withdraw money, the sterling is converted into the relevant currency at the time of the transaction. This can be more flexible but makes it harder to budget as you won’t know what the exchange rate will be when you use the card.

Compare travel card charges

A prepaid currency card will have more charges and fees than most credit cards , so it’s important to be aware of these before getting one.

We show the following fees that each prepaid travel card above charges, so you can work out which will be the cheapest for you:

Setup fees : This is a one-off fee when you first purchase the card, and range between £1 and £15. Some providers will waive this fee if you agree to load a certain amount when you first get your card.

Overseas ATMs : This is charged every time you use your prepaid card to withdraw from a cash machine abroad. This is charged as a percentage of the amount withdrawn, e.g. 1%, or a flat rate, e.g. £1 per withdrawal.

Monthly fee : This is a fee you pay every month that you have the card until you cancel it. The amount charged varies, but it can range from between £5 and £15 a month.

Foreign fees : This is a fee charged for every transaction you make while abroad. Ideally look for a prepaid travel card that doesn’t charge foreign fees, as it could make spending abroad expensive.

It can be tempting to choose a card with the lowest fees, but make sure it offers everything you need first. Some cards also have extra benefits like cashback or discounts when you top up to a certain amount. 

What are the pros and cons of travel money cards?

There are plenty of advantages to using a travel money card. It offers security and simplicity when spending abroad, but it might not be the best travel money option. Here are some of the pros and cons of prepaid travel money cards.

Pros of prepaid travel cards

No need for cash : One of the main advantages is that a prepaid travel card removes the need to take a lot of physical cash with you that could be lost or stolen.

Budgeting : Prepaid cards are great if you want to stick to a fixed budget when travelling because you can’t exceed the amount you’ve pre-loaded without topping it up. 

No foreign exchange fees : You won't have to pay foreign exchange fees, as long as the currency on your card matches that of the country you’re using it in.

Multi-currency : Some prepaid travel cards will allow you to load several different currencies onto your card, stored in different ‘wallets’ - perfect if you’re travelling to several countries in one trip.

Cons of prepaid travel cards

Not always accepted : Despite being designed to work in any place that accepts Mastercard or Visa, frustratingly for travellers, some retailers, don’t accept these types of cards, including car rental companies.

Not every currency available : Most will have the 30 main currencies, but you may have to shop around to find one that offers the currency you need if it’s outside of this.

Withdrawal limits : Many cards will have a withdrawal limit per day, which can be small and frustrating if you’re not aware of them. If you plan to withdraw a lot of cash when abroad, avoid cards with a £100 daily limit.

Exchange rate : Because your exchange rate is set when you take out your travel card, you could lose out if the pound strengthens before you leave. However, the opposite is also true - if the pound weakens, you will have got a better deal.

Are there any alternatives to prepaid travel cards?

There are several alternatives to consider when trying to work out the best way to spend money abroad .

Specialist travel credit or debit cards could be a good alternative because they offer a near-perfect exchange rate (the interbank rate) when you spend or withdraw.

They’re also a bit less of a hassle because you don’t have to worry about pre-loading the card before you set off.

If you use a travel credit card, you’ll get Section 75 protection on purchases that cost between £100-£30,000.

Section 75 protection is where a card provider must protect your purchases, meaning that you are entitled to refunds if items are faulty, didn’t arrive, or if there are other problems with them.

You don’t get this protection with prepaid travel cards.

The information provided does not constitute financial advice, it’s always important to do your own research to ensure a financial product is right for your circumstances. If you’re unsure you should contact an independent financial advisor.

Frequently asked questions

Yes, you can withdraw cash from prepaid travel cards. You may have to pay a fee for this, either as a percentage of the amount you’re withdrawing, like 0.5% or 1%, or a fixed fee per transaction - usually around £1-£2.50.

There may be a withdrawal limit on the card, so check this if you plan to take a lot of cash out while abroad. Some limits are as low as £100 a day, so look for cards with higher limits, or even no withdrawal limit at all.

Prepaid travel cards are a really safe way to spend while you’re overseas. They’re safer than carrying cash that you may have to leave at your accommodation. You can also cancel these cards easily if they’re lost or stolen, making them even safer.

You can get a prepaid travel card by ordering one online from the provider of your choice. If your provider has a branch, you can pick them up from there to get your card instantly.

It should also be possible to get a prepaid travel card at the airport, depending on where you’re flying from. Many providers will have kiosks set up, but do note that the rates and charges could be more expensive when bought at the airport.

When ordering a prepaid travel card online, it will be posted directly to your door and should usually arrive within 3 days.

Yes, if you’re visiting multiple countries that use the same currency, then you can use your card with no additional fees.

This is why getting a prepaid euro card is a good option for travellers in Europe because it allows you to use one card in multiple locations. If you’re visiting multiple destinations in the continent, it’s wise to search for the best prepaid travel card for Europe.

Yes, prepaid travel cards can be used within the UK. However, you may be subjected to fees when using these cards outside of the country where the loaded currency is used. This fee is usually 2.5-2.75% for every transaction and is called a cross-border fee.

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Travel Cards: What are the best options in the UK? 2024

If you’re expecting to spend overseas - on holiday, when shopping online with international retailers, or even because you’re relocating to sunnier climes - you’ll want to find the cheapest and most convenient way to manage your money.

One option is to pick an international debit card - but are they really worth it? This guide covers all you need to know about:

How international debit cards can help cut bank fees and get a better exchange rate

What advantages there are to having an international debit card compared to a regular bank card

How international debit cards work

Which are the best travel and international debit cards available in the UK

Let’s dive right in.

Our Top 4 Travel Debit Cards in the UK:

Wise Travel Card

Post Office Travel Card

ASDA Travel Card

Sainsbury's Travel Card

Travel debit cards: the best options in the UK

How do travel cards work.

Travel debit cards allow you to spend and make withdrawals in a foreign currency easily - and often, for a lower fee compared to using a regular bank debit or credit card.

That means you can use your travel debit card when you travel internationally, to pay for your accommodation, food, shopping - and whatever else you plan to do. You can use your card to make cash withdrawals overseas to make sure you always have a ready supply of foreign currency for when cards aren’t accepted. And finally, you can use your travel card when you shop online with international retailers, to cut the costs of foreign transaction fees.

Types of travel card

You’ll find that there are 3 main types of travel cards that traditional banks offer : prepaid cards, debit cards, and credit cards. Each has its own advantages and disadvantages - make sure you research carefully to find the cheapest option for your spending. Here’s a rundown of some common travel card options for UK customers.

1. Prepaid travel card

Prepaid travel cards - also often known as travel money cards - are offered by a wide range of providers. You’ll top up your card in pounds before you travel, and then you can use your card to spend or make withdrawals when you’re away. Some cards also allow you to add funds online, so you can top up your card after you leave too.

Different prepaid travel cards have their own fee structures, with some charging for top ups, or having ongoing maintenance fees. Check out all the details, including the exchange rates available before you pick one.

2. International card with traditional banks

Most UK based banks which offer a linked debit card will allow you to spend and make withdrawals around the world. However, it’s extremely common to find that there are some extra fees to spend in a foreign currency - often including an exchange rate markup or foreign transaction fee of around 3%.

In the UK you can find the occasional bank or building society which offers a linked debit card with no foreign transaction fee - like the Virgin Money M Plus account, or the Cumberland Building Society Plus Account. However, these specialist accounts do often have other restrictive terms such as minimum balance requirements, or high transaction fees for other services.

You can also choose to spend internationally with your bank issued credit card - but this does risk higher overall fees once you take into account credit costs and any cash advance fees you run into, on top of foreign transaction charges.

3. Travel card with neobanks

You’ll often find that a travel card from a modern online provider - often called a neobank - is the cheapest and most convenient option. Accounts are usually simple to set up, and it’s easy to order your card online or in the provider app. Once you’re up and running you’ll often find you get a better exchange rate than the rate offered by your normal bank - or even the mid-market exchange rate with no markup at all.

Because neobanks are often specialists which operate online and don’t have the same overheads as traditional banks, you can often net a better deal, including no minimum balance requirements, ongoing charges or maintenance costs.

Best travel debit cards: a comparison

Shopping around is the best way to get the right travel card for your needs. There are several travel card providers in the UK which can offer a better deal compared to traditional banks, including online specialist services like Wise. Here’s a more detailed look at some of our top picks.

The Wise card allows you to make payments in more than 200 countries and in more than 150 currencies. Your card is linked to a handy Wise multi-currency account, which lets you hold, convert, send and spend in dozens of currencies, and manage your money on the go from your smartphone.

Pros of the Wise card

No minimum balance or ongoing charges

Hold and exchange 50+ currencies in your Wise account

Auto convert feature will make sure you always get the best possible deal on currency conversion

Manage your card in the Wise app, to freeze and unfreeze the card and get instant transaction notifications

Physical and virtual cards available

Cons of the Wise card

5 GBP fee for your first card

ATM fees apply if you make frequent withdrawals

Spending limits apply

No option to top up account in cash

Post office travel card

Apply for a Post Office travel card online, or by visiting your local Post Office branch with a government issued ID document. You’ll be able to hold 23 currencies in your account, and it’s free to spend any supported currency. Contactless and mobile payments are supported - but there are some fees you’ll need to watch out for, including ATM withdrawal charges.

Pros of the Post Office travel money card

Apply online or in person

Hold and exchange 23 currencies

No fee to spend currencies you hold in the account

Cons of the Post Office travel money card

3% foreign transaction fee if you spend in an unsupported currency

Cash withdrawal fees apply which vary by currency

Monthly maintenance fees apply from 12 months after your card applies

Read our full Post Office travel card review .

ASDA Money Travel Card

You can order an ASDA Money Travel Card online or by visiting a store which has an ASDA Money bureau. Your travel card can hold 16 currencies, and it’s free to spend in any of these currencies, including making ATM withdrawals. It’s worth noting that topping up your account in pounds comes with a fee, and there’s a steep charge for spending in a currency not supported by the card, so you’ll want to double check the currencies you require are all covered.

Pros of the ASDA travel card

24/7 global assistance

Hold up to 16 currencies

Contactless payments supported

No fee for ATM withdrawals

Cons of the ASDA travel card

2% fee to top up in pounds

High fees of 5.75% if you spend in a currency not supported by the card

Inactivity fees of 2 GBP/month apply after 12 months

Sainsbury Bank travel money card

It’s free to get the Sainsbury’s travel card, and it’s free and easy to make contactless payments in any of the 10 supported foreign currencies. You can also make ATM withdrawals in supported currencies without being charged a fee by Sainsbury’s. There are a few costs to watch out for though, including a GBP reload fee, and a high foreign transaction fee if you’re spending in any currency other than the 10 supported currencies.

Pros of the Sainsbury Bank travel money card

Hold up to 10 foreign currencies

Free to spend any currency you hold

Card will deduct funds from the correct balance when you spend in a supported currency, to avoid unnecessary fees

Cons of the Sainsbury Bank travel money card

Inactivity fees of 2 GBP/month apply after 18 months

Advantages of the travel debit cards

Getting an international debit card can be a good alternative to using traditional bank cards to spend money abroad. Advantages include:

Top up your account or card in advance to set a travel budget

Know the exchange rates in advance so there are no surprises

No need to tell your bank you’re travelling

Manage your money online or in an app for convenience

Overall costs are often far lower compared to using a bank

Are there any limitations on travel debit cards?

Travel debit cards aren’t right for everyone - here are a few drawbacks to consider:

Spending currencies not supported by the card can incur fees

You can’t always use your travel card for car rental as it’s not likely to have a credit facility

Some transactions - like paying at the pump for petrol - may result in a hold on funds within your account

Adding funds to your account may not be instant

How does a travel card work?

A travel debit card works similarly to a normal bank debit card in some ways:

Pay with your card directly with merchants - often with contactless functionality

Withdraw cash when you need it from ATMs

Check your balance online, in an app, or via an ATM easily to keep an eye on your money

Funds are deducted from your balance so there’s no worry about running up credit charges

However, travel debit cards have a few distinct advantages compared to regular bank cards:

Cards can often be ordered easily online or by phone

Top up your account whenever you like, to create a separate travel budget

Convert your pounds to foreign currencies in advance so you know the exchange rate before you spend

You’ll often get a better exchange rate compared to a bank, with lower transaction fees

There’s no need to tell the card issuer that you plan to travel

How can I use a travel debit card abroad?

Once you have your travel debit card, you’ll be able to start spending. You’ll need to double check that the merchant or ATM accepts the card network your card uses - Visa and Mastercard are most common, and are widely accepted internationally. You’ll also need to read through the card terms and conditions to make sure you’re aware of any fees that the card issuer applies when you spend or make withdrawals

One other important point when using an international travel card is to watch out for dynamic currency conversion (DCC). That’s when you’re asked by a merchant, or at an ATM terminal, if you’d rather pay in pounds or the local currency wherever you are. If you choose to pay in pounds you’ll usually be hit by high fees and a poor exchange rate - well worth avoiding if you want to make the most of your travel money. Always choose to pay in the local currency to get the best possible deal when spending or withdrawing with your travel card.

How to request a travel debit card

If you’re looking for a specialist travel debit card which lets you spend conveniently while cutting your costs, you may find the best available deal from an online provider such as Wise or Revolut . Signing up for an account is pretty painless, and can be done entirely online or through an app - and you’ll usually find the fees are lower compared to a traditional bank, too.

To show how easy it is, let’s take a look at how to sign up for a Wise card - we’ll cover Wise and a few other top UK travel debit card options in more detail, later:

Download the Wise app or head to the Wise desktop site

Sign up for a Wise account with just an email address, Google, Facebook or Apple ID

Get verified by uploading a photo of your ID documents

Order your card online or in the Wise app for a one time 5 GBP fee

Your physical card will arrive within a few days - or you can access your card details in the Wise app right away for mobile payments

What are the transaction fees which apply to a travel card?

Travel debit cards can offer a better deal when you spend in foreign currencies - but that doesn’t necessarily mean they’re entirely free. Here are a couple of the key costs to consider.

Exchange fee

Some travel debit cards will convert your money from pounds to the currency you need with an exchange rate that includes a fee. This may be described as a foreign transaction fee, or a currency conversion charge, for example. For traditional banks this can often be in the region of 3% of the transaction value, although modern online providers do often offer a better deal, and may even skip this fee entirely.

Withdrawal fee

If you plan on making cash withdrawals you’ll also need to check the costs applied by your own bank, and keep an eye on the ATM to make sure the ATM operator won’t also levy a fee. ATM withdrawal fees do vary pretty widely. Some banks offer low, or fee free withdrawals at selected ATMs, but out of network charges can be steep. Again, online travel debit cards may have a more flexible approach to withdrawal fees which can save you money.

Conclusion: is the travel debit card worth it?

Picking the right travel debit card can mean cutting the costs of spending in a foreign currency, with lower transaction fees and a better exchange rate. However, different travel debit cards have their own advantages and disadvantages, with varying fee structures and a range of supported currencies. Compare a few cards, including travel debit cards from online specialist providers like Wise , to find the right one for you.

An international debit card lets you spend and make cash withdrawals in a range of foreign currencies - often with lower fees than using your normal bank card.

Many online and specialist providers allow you to apply for a card easily through a desktop site, app or call centre.

Use your travel debit card just like you would your regular card, to spend and make cash withdrawals around the world.

Travel debit card fees do vary based on the provider, and can include a foreign transaction fee when spending in an unsupported currency, top up charges and inactivity fees. Compare a few providers to get the best available deal for your needs.

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6 Best Travel Cards for the UK

Getting an international travel card before you travel to the UK can make it cheaper and more convenient when you spend in British Pound Sterling. You'll be able to easily top up your card in USD before you leave the US, to convert seamlessly to GBP for secure and flexible spending and withdrawals.

This guide walks through our picks of the best travel cards available for anyone from the US heading to the UK, like Wise or Revolut. We'll walk through a head to head comparison, and a detailed look at their features, benefits and drawbacks.

6 best travel money cards for the UK:

Let's kick off our roundup of the best travel cards for the UK with a head to head comparison on important features. Here's an overview of the providers we've picked to look at, for customers looking for ways to spend conveniently overseas when travelling from the US:

Each of the international travel cards we’ve picked out have their own features and fees, which may mean they suit different customer needs. Keep reading to learn more about the features, advantages and disadvantages of each - plus a look at how to order the travel card of your choice before you head off to the UK.

Wise travel card

Open a Wise account online or in the Wise app, to order a Wise travel card you can use for convenient spending and withdrawals in the UK. Wise accounts can hold 40+ currencies, so you can top up in USD easily from your bank or using your card. Whenever you travel, to the UK or beyond, you’ll have the option to convert to the currency you need in advance if it’s supported for holding a balance, or simply let the card do the conversion at the point of payment.

In either case you’ll get the mid-market exchange rate with low, transparent fees whenever you spend in GBP, plus some free ATM withdrawals every month - perfect if you’re looking for easy ways to arrange your travel cash.

Wise features

Wise travel card pros and cons.

• Hold and exchange 40+ currencies with the mid-market rate
• Spend seamlessly in GBP when you travel
• Some free ATM withdrawals every month, for those times only cash will do
• Ways to receive payments to your Wise account conveniently
• Manage your account and card from your phone
• 9 USD delivery fee for your first card
• ATM fees apply once you've exhausted your monthly free withdrawals
• Physical cards may take 14 - 21 days to arrive

How to apply for a Wise card

Here’s how to apply for a Wise account and order a Wise  travel card in the US:

Open the Wise app or desktop site

Select Register and confirm you want to open a personal account

Register with your email, Facebook, Apple or Google ID

Upload your ID document to complete the verification step

Tap the Cards tab to order your card

Pay the one time 9 USD fee, confirm your mailing address, and your card will be on the way, and should arrive in 14 - 21 days

Revolut travel card

Choose a Revolut account, from the Standard plan which has no monthly fee, to higher tier options which have monthly charges but unlock extra features and benefits. All accounts come with a smart Revolut card you can use in the UK, with some no fee ATM withdrawals and currency conversion monthly, depending on the plan you pick. Use your Revolut account to hold and exchange 25+ currencies, and get extras like account options for under 18s, budgeting tools and more.

Revolut features

Revolut travel card pros and cons.

• Pick the Revolut account plan that suits your spending needs
• Hold and exchange 25+ currencies, and spend in 150 countries
• Accounts come with different card types, depending on which you select
• All accounts have some no fee currency exchange and some no fee ATM withdrawals monthly
• Some account tiers have travel perks like complimentary or discounted lounge access
• You need to upgrade to an account with a monthly fee to get all account features
• Delivery fees may apply for your travel card
• Fair usage limits apply once you exhaust your currency conversion and ATM no fee allowances
• Out of hours currency conversion has additional fees

How to apply for a Revolut card

Set up your Revolut account before you leave the US and order your travel card. Here’s how:

Download and open the Revolut app

Register by adding your personal and contact information

Follow the prompts to confirm your address and order your card

Pay any required delivery fee - costs depend on your account type

Chime travel card

Use your Chime account and card to spend in the UK with no foreign transaction fee. You’ll just need to load a balance in USD and then the money is converted to GBP instantly with the Visa rate whenever you spend or make a withdrawal. There’s a fee to make an ATM withdrawal out of network, which sits at 2.5 USD, but there are very few other costs to worry about. Plus you can get lots of extra services from Chime if you need them, such as ways to save.

Chime features

Chime travel card pros and cons.

• No Chime foreign transaction fees
• No ongoing charges for your account
• Lots of extra products and services if you need them
• Easy ways to manage your money online and in app
• Virtual cards available
• You'll need to inform Chime you're traveling to use your card abroad
• Low ATM limits
• Cards take 7 - 10 days to arrive by mail

How to apply for a Chime card

Here’s how to apply for a Chime account and order a travel card in the US:

Visit the Chime website or download the app

Click Get started and add your personal details

Add a balance

Your card will be delivered in the mail and you can use your virtual card instantly

Monzo travel card

Monzo cards can be ordered easily in the US and used for spending in the UK and globally. Monzo accounts are designed for holding USD only - but you can spend in GBP and pretty much any other currency easily, with no foreign transaction fee. Your funds are just converted using the network exchange rate whenever you pay or make a withdrawal.

Monzo doesn’t usually apply ATM fees, but it’s worth knowing that the operator of the specific ATM you pick may have their own costs you’ll need to check out.

Monzo features

Monzo travel card pros and cons.

• Good selection of services available
• No foreign transaction fee to pay
• No Monzo ATM fee to pay
• Manage your card from your phone conveniently
• Deposits are FDIC protected
• You can't hold a foreign currency balance
• ATM operators might apply their own fees

How to apply for a Monzo card

Here’s how to apply for a Monzo account and order a travel card in the US:

Visit the Monzo website or download the app

Click Get Sign up and add your personal details

Check and confirm your mailing address and your card will be delivered in the mail

Netspend travel card

Netspend has a selection of prepaid debit cards you can use for spending securely in the UK. While these cards don’t usually let you hold a balance in GBP, they’re popular with travelers as they’re not linked to your regular checking account. That increases security overseas - plus, Netspend offers virtual cards you can use to hide your physical card details from retailers if you want to.

The options with Netspend vary a lot depending on the card you pick. Usually you can top up digitally or in cash in USD and then spend overseas with a fixed foreign transaction fee applying every time you spend in a foreign currency. You’ll be able to view the terms and conditions of your specific card - including the fees - online, by entering the code you’ll find when your card is sent to you.

Netspend features

Netspend travel card pros and cons.

• Large selection of different card options depending on your needs
• Some cards have no overseas ATM fees
• Prepaid card which is secure to use overseas
• Manage your account in app
• Change from one card plan to another if you need to
• You may pay a monthly fee for your card
• Some cards have foreign transaction fees for all overseas use, which can be around 4%
• Selection of fees apply depending on the card you pick

How to apply for a Netspend card

Here’s how to apply for a Netspend account and order a travel card in the US:

Visit the Netspend website

Click Apply now

Complete the details, following the onscreen prompts

Get verified

Your card will arrive by mail - add a balance and activate it to get started

PayPal travel card

PayPal has a debit card you can link to your PayPal balance account, to spend in the UK as well as locally, in person and online. One advantage of PayPal is that there are lots of easy ways to add money in USD - but bear in mind that when you spend in GBP you’ll likely pay a foreign transaction fee of 2.5%. ATM fees apply when you make out of network withdrawals, too, which can push up the costs depending on how you use your card.

PayPal travel cards aren’t connected to your checking account which makes them a handy and secure way to spend, particularly if you already have a PayPal balance account.

PayPal features

Paypal travel card pros and cons.

• Globally accepted card
• Easy ways to top up your PayPal balance including cash and check
• Popular and reliable provider
• Use your card for spending online easily as well
• 2.5 USD fee for out of network ATM withdrawals
• 2.5% fee when you spend in a foreign currency
• Other charges may apply depending on how you fund and use your account

How to apply for a PayPal card

Here’s how to apply for a PayPal account and order a travel card in the US:

Visit the PayPal website or download the app

Click Get Sign up or log into your existing account

Add your personal details to create an account, or tap Request a card if you already have a PayPal account

Follow the prompts to order your card

What is a travel money card?

A travel money card is a card you can use for secure and convenient payments and withdrawals overseas.

You can use a travel money card to tap and pay in stores and restaurants, with a wallet like Apple Pay, or to make ATM withdrawals so you'll always have a bit of cash in your pocket when you travel.

Although there are lots of different travel money cards on the market, all of which are unique, one similarity you'll spot is that the features and fees have always been optimised for international use. That might mean you get a better exchange rate compared to using your normal card overseas, or that you run into fewer fees for common international transactions like ATM withdrawals.

Travel money cards also offer distinct benefits when it comes to security. Your travel money card isn't linked to your United States Dollar everyday account, so even if you were unlucky and had your card stolen, your primary bank account remains secure.

Travel money vs prepaid card vs travel credit card

It's helpful to know that you'll be able to pick from several different types of travel cards, depending on your priorities and preferences. Travel cards commonly include:

• Travel debit cards
• Travel prepaid cards
• Travel credit cards

They all have distinct benefits when you head off to the UK or elsewhere in the world, but they do work a bit differently.

Travel debit and prepaid cards are usually linked to an online account, and may come from specialist digital providers - like the Wise card. These cards are usually flexible and cheap to use. You'll be able to manage your account and card through an app or on the web.

Travel credit cards are different and may suit different customer needs. As with any other credit card, you may need to pay an annual fee or interest and penalties depending on how you manage your account - but you could also earn extra rewards when spending in a foreign currency, or travel benefits like free insurance for example. Generally using a travel credit card can be more expensive compared to a debit or prepaid card - but it does let you spread out the costs of your travel across several months if you'd like to and don't mind paying interest to do so.

What is a prepaid travel money card best for?

Let's take a look at the advantages of using a prepaid travel money card for travellers going to the UK. While each travel card is a little different, you'll usually find some or all of the following benefits:

• Hold and exchange foreign currencies - allowing you to lock in exchange rates and set a travel budget before you leave
• Convenient for spending in person and through mobile wallets like Apple Pay, as well as for cash withdrawals
• You may find you get a better exchange rate compared to your bank - and you'll usually be able to avoid any foreign transaction fee, too
• Travel cards are secure as they're not linked to your everyday USD account - and because you can make ATM withdrawals when you need to, you can also avoid carrying too much cash at once

Overall, travel cards offer flexible and low cost ways to avoid bank foreign transaction and international ATM fees, while accessing decent exchange rates.

How to choose the best travel card for the UK

We've picked out 6 great travel cards available in the US - but there are also more options available, which can make choosing a daunting task. Some things to consider when picking a travel card for the UK include:

• What exchange rates does the card use? Choosing one with the mid-market rate or as close as possible to it is usually a smart plan
• What fees are unavoidable? For example, ATM charges or top up fees for your preferred top up methods
• Does the card support a good range of currencies? Getting a card which allows you to hold and spend in GBP can give you the most flexibility, but it's also a good idea to pick a card with lots of currency options, so you can use it again in future, too
• Are there any other charges? Check in particular for foreign transaction fees, local ATM withdrawal fees, inactivity fees and account close fees

Ultimately the right card for you will depend on your specific needs and preferences.

What makes a good travel card for the UK

The best travel debit card for the UK really depends on your personal preferences and how you like to manage your money.

Overall, it pays to look for a card which lets you minimise fees and access favourable exchange rates - ideally the mid-market rate. While currency exchange rates do change all the time, the mid-market rate is a good benchmark to use as it’s the one available to banks when trading on wholesale markets. Getting this rate, with transparent conversion fees, makes it easier to compare costs and see exactly what you’re paying when you spend in GBP.

Other features and benefits to look out for include low ATM withdrawal fees, complimentary travel insurance, airport lounge access or emergency cash if your card is stolen. It’s also important to look into the security features of any travel card you might pick for the UK. Look for a card which uses 2 factor authentication when accessing the account app, which allows you to set instant transaction notifications, and which has easy ways to freeze, unfreeze and cancel your card with your phone.

For the UK in particular, choosing a card which offers contactless payments and which is compatible with mobile wallets like Apple Pay could be a good plan. Card payments are extremely popular in the UK - so having a card which lets you tap and pay easily can speed things up and make it more convenient during your trip.

Ways to pay in the UK

Cash and card payments - including contactless, mobile wallet, debit, credit and prepaid card payments - are the most popular ways to pay globally.

In the UK card payments are common in most situations. You’ll be able to make Chip and PIN or contactless payments or use your favourite mobile wallet like Apple Pay to tap and pay on the go. It’s still worth having a little cash on you just in case - and for the odd situations where cash is more convenient, such as when tipping or buying a small item in a market.

Which countries use GBP?

If you have GBP, you should be able to use it in a few countries. You may decide to keep your travel card topped up with a balance for this trip to the UK or for the next time you’re headed somewhere which uses GBP.

What should you be aware of when travelling to the UK

You’re sure to have a great time in the UK - but whenever you’re travelling abroad it's worth putting in a little advance thought to make sure everything is organised and your trip goes smoothly. Here are a few things to think about:

1. Double check the latest entry requirements and visas - rules can change abruptly, so even if you’re been to the UK before it’s worth looking up the most recent entry requirements so you don’t have any hassle on the border

2. Plan your currency exchange and payment methods - you can change USD to GBP before you travel to the UK if you’d like to, but as card payments are common, and ATMs widely available, you can actually leave it until you arrive to get everything sorted as long as you have a travel money card. Top up your travel money card in USD and either exchange to GBP in advance or at the point of payment, and make ATM withdrawals whenever you need cash. Bear in mind that currency exchange at the airport will be expensive - so hold on until you reach the UK to make an ATM withdrawal in GBP if you can.

3. Get clued up on any health or safety concerns - get travel insurance before you leave the US so you have peace of mind. It’s also worth reading up on any common scams or issues experienced by tourists. These tend to change over time, but may include things like rip off taxis or tour agents which don’t offer fair prices or adequate services.

Conclusion - Best travel cards for the UK

Ultimately the best travel card for your trip to the UK will depend on how you like to manage your money. Use this guide to get some insights into the most popular options out there, and to decide which may suit your specific needs.

How does a British Pound Sterling card work?

Getting a British Pound Sterling card can make managing your money easier when you travel to the UK.

Your British Pound Sterling card will be linked to a digital account you can manage from your phone, so you'll always be able to see your balance, get transaction notifications and manage your card no matter where you are. Just add money to your account in pounds, and - depending on your preferences and the specific card you pick - you can either convert your balance to British Pound Sterling instantly, or just let the card do the conversion when you spend or make a withdrawal.

If your card gives you the option to hold a British Pound Sterling balance, there's not normally any extra fee to spend the British Pound Sterling you have in your account when you're in the UK.

Can I withdraw British Pound Sterling currency with my card in the UK?

With some cards, you'll be able to add money to your card in United States Dollar, and then convert to British Pound Sterling instantly online or in your card's app.

Once you have a balance in British Pound Sterling you can spend with your card with no extra fees - just tap and pay as you would at home. You'll also be able to make cash withdrawals whenever you need to, with no extra conversion fee to pay. Your card - or the ATM operator - may charge a withdrawal fee, but this can still be a cheap, secure and convenient option for getting cash when you need it.

With other cards, you can't hold a balance in British Pound Sterling on your card - but you can leave your money in United States Dollar and let the card convert your money for you when you spend and withdraw.

Some fees may apply here - including currency conversion or foreign transaction charges - so do compare a few different cards before you sign up, to make sure you're picking the one which best suits your specific spending needs.

Bear in mind though, that not all cards support all currencies - and the range of currencies available with any given card can change from time to time. If your card doesn't let you hold a balance in British Pound Sterling you might find that fees apply when you spend in the UK, so it's well worth double checking your card's terms and conditions - and comparing the options available from other providers - before you travel, just in case.

Why should I get a British Pound Sterling card?

Getting a British Pound Sterling card means you can spend like a local when you're in the UK. You'll be able to check your British Pound Sterling balance at a glance, add and convert money on the move, and use your card for secure spending and withdrawals whenever you need to. Best of all, British Pound Sterling cards from popular providers often offer good exchange rates and low, transparent fees, which can mean your money goes further when you're on a trip abroad.

FAQ - best travel cards for the UK

When you use a travel money card you may find there’s an ATM withdrawal fee from your card issuer, and there may also be a cost applied by the ATM operator. Some of our travel cards - like the Wise and Revolut card options - have some no fee ATM withdrawals every month, which can help keep down costs.

Travel money cards may be debit, prepaid or credit cards. Which is best for you will depend on your personal preferences. Debit and prepaid cards are usually pretty cheap and secure to spend with, while credit cards may have higher fees but often come with extra perks like free travel insurance and extra reward points.

There’s no single best prepaid card for international use. Look out for one which supports a large range of currencies, with good exchange rates and low fees. This guide can help you compare some popular options, including Wise, Revolut and Monzo.

Yes, you can use your local debit card when you’re overseas. However, it’s common to find extra fees apply when spending in foreign currencies with a regular debit card. These can include foreign transaction fees and international ATM charges.

Usually having a selection of ways to pay - including a travel card, your credit or debit card, and some cash - is the best bet. That means that no matter what happens, you have an alternative payment method you can use conveniently.

Yes. Most travel debit cards have options to make ATM withdrawals. Check the fees that apply as card charges do vary a lot. Some cards have local and international fees on all withdrawals, while others like Wise and Revolut, let you make some no fee withdrawals monthly before a fee kicks in.

Both Visa and Mastercard are globally accepted. Look out for the logo on ATMs and payment terminals in the UK.

The cards you see on this page are ordered as follows:

For card providers that publish their exchange rates on their website, we used their USD / GBP rate to calculate how much British Pound Sterling you would receive when exchanging / spending $4,000 USD. The card provider offering the most GBP is displayed at the top, the next highest below that, and so on.

The rates were collected at 09:36:26 GMT on 25 May 2024.

Below this we display card providers for which we could not verify their exchange rates. These are displayed in alphabetical order.

Send international money transfer

More travel card guides.

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Best Travel Cards for Australians Heading Overseas in 2024

We compare the best travel money cards including prepaid cards, debit cards and credit cards. Whether you want ease of access to money at any cost or no-frills or fees cash, find the best money solution when you travel overseas.

Wise - our pick for travel card

• No annual fee, hidden transaction fees, no exchange rate markups
• No minimum balance requirements
• Allows you to make payments and withdrawals wherever you are in the world in over 40 currencies
• Local bank account details in Australia (AUD), the UK (GBP), the USA (USD), Europe (EUR), Canada (CAD) and New Zealand (NZD)
• Available in the US, UK, Europe, Australia, Singapore, Japan and New Zealand

Find out more about the Wise card .

With this card:

• It's very easy to set up and order
• You can receive foreign currency into a multi-currency account linked to the card
• Pay with your Wise card in most places overseas where debit cards are accepted
• Get the mid-market rate for currency conversion

Go to Wise  or read our  review .

It's not all good news though

• There is a 2% ATM withdrawal fee when you withdraw over $350 during a month
• It takes 7-14 days for delivery

How do I pick the best travel card for me?

Fed up with ATM charges when you travel overseas? Or running out of money when you need it the most? You probably brought the wrong card with you.

It can be tricky to choose the best travel card to use when you travel overseas. The best one for you will really depend on what you need from the card you're using.

You will generally use travel cards to make purchases online, in-stores and to withdraw money at ATMs. All travel cards have these basic capabilities. This means what you should really compare between travel cards are the following:

Exchange Rates and Fees

Compare exchange rates and fees

Conditions and limits

Spending conditions and max/min limits

Make sure your money is secure

Best Travel Cards for Australians Travelling Overseas

Wise is our pick for travel debit card.

• You can transfer money to a bank account overseas
• Currency conversion using the mid-market exchange rate

Click here to see the full list of cards and how Wise compares

Read the full review

• No annual fee, hidden transaction fees, exchange rate markups
• Local bank account details in Australia (AUD), the UK (GBP), the USA (USD), Europe (EUR) and New Zealand (NZD)
• It takes 7-14 business days to receive the card
• Can't always access local technical support depending on where you are
• Free cash withdrawals limited to under $350 every 30 days
• Only currently available in the US, UK, Europe, Australia and New Zealand

Revolut - multi-currency travel card

• No purchase fee, load fee, reload fee, exchange rate margin or minimum balance requirements
• Unlike other Travel Cards, its free and easy to use the balance of your currency or convert it back to AUD
• Mid-market exchange rate, they add a mark-up for currency conversion during weekends
• For the free Standard account, there is a 2% ATM withdrawal fee when you withdraw over $350 during a month
• The premium account costs $10.99 a month, which can really add up if you are not using it often

Click here to see the full list of cards and how Revolut compares

• Very easy to use app
• Free to set up
• No hidden fees or exchange rate mark-ups (except on weekends)
• You can use it to transfer money to a bank account overseas
• Additional fees for using the card on a weekend
• 2% ATM fee once you withdraw more than $350 in any 30 day period
• 3-4 business days before you receive your card
• Ongoing subscription fee for Premium and Metal cards

Citibank Saver Plus - bank travel card

The Citibank Plus Everyday Account - bank debit card. With this card you can:

• withdraw money for free at over 3000 ATMs Australia-wide and overseas
• take advantage of no foreign transaction fees, monthly fees, or minimum opening balance
• transfer money to friends and family anywhere in the world for free

We think this is the ideal debit card whether you're staying local in Oz or travelling to destinations in Asia or Europe.

• No international ATM or transaction fees
• Fee-free international money transfers to any account worldwide
• SMS notifications through Citi Alert
• Cash deposits available within 24-48 hours
• Can't have two cards active at the same time
• $5 account closure

28 Degrees Platinum Mastercard - travel credit card

28 Degrees Platinum Mastercard - travel credit card. With this card:

• There are no annual fees
• No overseas purchase fee or currency conversion fee
• You get 55 days interest free on purchases
• Access to free 24/7 concierge service
• Emergency card replacement worldwide

The 28 Degrees Platinum Mastercard has additional benefits including shoppers and repayments benefits cover. For more information read our review .

• Can have 9 additional cardholders
• No overseas purchase fee, or currency conversion fee
• No foreign transaction fee
• Free Replacement Card
• High interest rates after the initial 55 days
• Minimum credit limit is $6000
• No introductory offers or rewards

Learn more about the 28 Degrees Platinum Mastercard

Travelex money card - prepaid travel card.

Travelex Money Card - prepaid travel card. With this card:

• There are no ATM fees so you can withdraw cash at no extra cost
• You can access Travelex's online rates
• You can lock in your initial loading cross currency rate
• Ideal for the organised traveller.
• Can load up to 10 currencies including AUD, USD, EUR, GBP, NZD, CAD, THB, SGB, HKD and JPY.
• Smartphone App & Free Wifi Cross
• $0 overseas ATM fees (Australia excluded)
• 24/7 Global Support
• Limited Currencies
• 5.95% currency conversion rate
• $100 minimum initial load
• 2.95% Australian ATM withdrawal fee

Learn more about the Travelex Money Card

What are the other travel card options.

Check our travel card comparison table for a comprehensive list of fees and features for different travel debit and credit cards available for Australians travelling overseas.

*ATM operators will often charge their own fees.

** Up to 5 ATM fees and unlimited currency conversion costs may be rebated if you deposit $1,000 and make 5 purchases per month.

***Account fee waived if you meet eligibility criteria, including depositing $2,000 per month

What are the different types of travel card in Australia?

There are 3 popular travel cards you can take with you on your trip:

Prepaid Travel Card

Travel Debit Cards

Travel Credit Card

1. Prepaid Travel Card

For prepaid travel cards, you're able to load the card with a set amount of money in the currencies you need. Ideally you do this before your trip, but often you can reload them as well.

Most prepaid travel cards allow for multiple currencies to be loaded onto the card. So it's important to know what currency you'll be using on your travels. Airlines also offer prepaid cards so the money you spend can earn you reward points.

With prepaid travel cards you need to be careful, as they can have numerous fees and charges which can make it more expensive than other options. But if you're organised and travelling to multiple cities a prepaid travel card is a good option. Read more of how to find the best travel card with no foreign transaction fees .

If you need more flexibility or you don't want to pay the multiple fees associated with prepaid travel cards, the HSBC and Citibank global accounts are better options.

• Exchange rate margins when you load your card
• Exchange rate margins when you close the card
• Flat or percentage-based fees to load the card
• ATM withdrawal fees
• Exchange rate conversion fee when you use the card
• Reloading fees
• Closing fees

Prepaid travel cards are best if:

• You want to lock in a rate
• You want to stick to a budget
• You lose it/it's stolen

Prepaid travel cards are not great if:

• You want the absolute best rates
• You need to hire a car, make payments on a cruise ship, or pay for a hotel

2. Travel Debit Card

An international card or your bank card offers the convenience of a credit card, but work differently. They draw money directly from your bank's everyday transaction account when you make a purchase. It's designed for everyday money transactions and means that you're not accumulating debt.

A debit card could make you stick to your travel budget, because you can't overdraw money from your account. And for daily purchases, we think a debit card can help you stick to your travel budget, because you can't overdraw money from your account.

We recommend bringing both a debit card and credit card for safety, flexibility and convenience on your trip.

• Currency conversion fee for overseas debit transactions
• Flat fee or percentage-based ATM withdrawal fees
• Foreign ATM owner fees
• Flat fee or percentage fee for debit card purchases via EFTPOS

Debit cards are best for:

• When you have time and you're happy to open a bank account to get one
• Fee-free cash withdrawals from ATMs

Debit cards are not great if:

• You switched from a better account to get one
• Or if you want to switch, but pick a costly travel debit card instead

3. Travel Credit Card

Credit cards have obviously been around for a long time. But now there are specialised travel credit cards. Generally, these cards give you longer to pay back what you've spent but the interest rates after this time can be quite high.

The main advantage with credit cards are the reward points you get in return for your customer loyalty when you spend. But it only works if you pay off the balance in full each month.

Credit cards are great to use for car hire, restaurants and accommodation - larger expenses that are easier for you to pay back over time. Some services only take credit cards to hold purchases so they can definitely be handy while you're travelling.

• Annual and reward scheme fees
• Cash advance fees
• Interest charges

Travel credit cards are best for:

• Getting the best spending rates
• If you have decent credit score and are legible for the credit card
• Frequent flyer points to help you get discounted or free flights
• Low or zero international transaction fees
• Complimentary travel and/or medical insurance offered with a lot of cards

Travel credit cards are not great if:

• Your credit score is poor
• You won't repay in full every month
• Can't afford high minimum credit and annual fees
• Want additional card holders (usually an extra cost)
• Your monthly salary minimum isn't high enough
• For some travel credit cards you have to be a permanent Australian resident

Best travel money card tips

Before you decide which travel money card will best suit your needs, it’s worth comparing a few, bearing in mind these handy travel money card tips:

• Exchange rate - check what rate is used to convert your dollars to the currency needed for spending in your destination. A card which uses the mid-market rate or as close as possible to it is usually the best value
• Coverage - make sure your card covers the currency you’ll need in your destination, as fees may apply if it doesn’t. Picking a card which covers a large number of currencies can also mean you’re able to use your travel money card on future trips.
• Safety - check the card’s safety features. Most cards are linked to an app which allows you to view transactions, check your balance and freeze or unfreeze your card if you need to
• Fees - read through all the possible fees associated with your card before you sign up. Costs may include a foreign transaction fee when spending an unsupported currency, ATM fees, a cash out charge or inactivity fees if you don’t use your card often for example
• Rewards - some travel money cards also offer some nice extras, like ways to earn rewards or discounts, or free wifi when you travel. Travel credit cards in particular have lots of rewards on offer, although you may have to pay an annual fee to get them

Travel card fees

The fees you pay for your travel money card will vary depending on the type of card you select, and the specific provider. 

Travel prepaid cards fees can include:

• Fees when you get your card in the first place
• Load or top up fees
• An exchange rate margin when topping up foreign currencies
• Foreign transaction fees if you spend a currency you don’t have in your account
• ATM charges at home and abroad
• Cash out, close or inactivity charges

Read more about prepaid cards here

Travel debit card can include:

• Card delivery fee
• International ATM fees
• Currency conversion charges

Read more about travel debit cards here

International credit card fees can include:

• Annual fees to hold the card
• Cash advance fees if you use an ATM
• Foreign transaction fees
• Interest if you don’t repay your bill in full
• Penalties if you don’t pay your bill on time

Read more about credit cards here

Conclusion - What is the best card to use while travelling?

There’s no single best travel money card - which works best for you will depend on your personal preferences and where you’re heading. 

Using a multi-currency debit card which supports a large range of currencies can keep your costs low and allow you to skip foreign transaction fees . Plus you’ll be able to use your card for online shopping in foreign currencies, or for your next trip abroad, with no ongoing fees to worry about.

Prepaid travel money cards are safe and easy to use , and you can often pick one up instantly if you’re in a hurry. You’ll be able to add travel money before you leave or top up as you travel, although it’s worth converting to the currency you need in advance, and looking for a card with mid-market exchange rates to avoid extra costs.

Generally using a credit card will come with the highest overall fees - but you’ll be able to spread out the costs of your travel over a few months if you need to, and you may also be able to earn rewards or cash back as you spend. Use this guide to compare different card types and options, and pick the perfect one for your needs.

Frequently Asked Questions - Best travel cards to use overseas

Which is the best travel card for use in australia.

The Citibank Plus Everyday Account is the best travel debit card for use in Australia. It works as a normal debit account, with no ATM fees at 3000 ATMs across Australia and has no account minimums.

Which travel card is best for Europe?

The best travel card for Europe is Wise . Not only do you get a great rate when spending in Euros, You get a set of bank account details with which you can recieve EUR transfers, as if you were a local.

Which high-street bank has the best travel card?

The best travel card from an Australian high-street bank is either the Citibank Plus Everyday Account or the CommBank travel money card . While Citibank's card offers more as a travel card (fee-free ATM withdrawals and excellent exchange rates), CommBank has far more in-person branches in Australia if you're someone who prefers doing your banking in person.

What is the best card to use while travelling?

There’s no single best travel money card - which is best for you will depend on your personal preferences. Usually having a few different ways to pay is a smart move, so packing a travel debit card or prepaid card, your credit card and some cash can mean you’re prepared for all eventualities.

Which bank travel card is best?

Australian banks offer travel credit cards, and some also have travel debit or prepaid card options which can be worth considering. Which is best for you will depend on the type of card you’d prefer, so comparing a few options from banks - and from specialist providers like Wise or Revolut - can help you find the best deal for your needs.

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• Home Office

How many people come to the UK each year (including visitors)?

Published 22 August 2024

© Crown copyright 2024

This publication is licensed under the terms of the Open Government Licence v3.0 except where otherwise stated. To view this licence, visit nationalarchives.gov.uk/doc/open-government-licence/version/3 or write to the Information Policy Team, The National Archives, Kew, London TW9 4DU, or email: [email protected] .

Where we have identified any third party copyright information you will need to obtain permission from the copyright holders concerned.

This publication is available at https://www.gov.uk/government/statistics/immigration-system-statistics-year-ending-june-2024/how-many-people-come-to-the-uk-each-year-including-visitors

Back to ‘Immigration system statistics, year ending June 2024’ contents page .

Data relates to the year ending June 2024 and all comparisons are with the year ending June 2023 (unless indicated otherwise). All data includes dependants, unless indicated otherwise.

1. Passenger arrivals to the UK

Most passenger arrivals will be British nationals (many of whom will be returning from short trips outside the UK), and short-term visitors (such as those coming to the UK for a holiday). However, passenger arrivals also include people coming to the UK for other reasons (such as to work or study). More information on the data sources can be found in the ‘About the statistics’ section below.

In the year ending June 2024 there were 128.4 million arrivals to the UK, 11% more than the preceding year, and 3% higher than in the year ending December 2019 prior to the COVID-19 pandemic, when only taking air passenger arrivals into account.

Passengers arriving by air accounted for 88% of all passenger arrivals to the UK (across all routes) in the year ending June 2024, with 7% arriving via rail and 5% by sea. These are similar to the proportions for the year ending June 2023.

Figure 1: Monthly air passenger arrivals to the UK, January 2020 to June 2024

Source: Passenger arrivals - Arr_01

• Data prior to 2022 comes from Advanced Passenger Information (API) and is not directly comparable to data from Borders and Immigration Transaction Data (BITD).

From March 2020, following the start of the COVID-19 pandemic, a variety of measures were introduced to restrict global travel and the spread of the virus. These measures were phased out in the UK during the first few months of 2022, with travel to the UK now slightly higher (up by 3%) than pre-pandemic levels since. (Figure 1).

Figure 2: Monthly passenger arrivals to the UK, British and foreign, January 2022 to June 2024

Source: Passenger arrivals - Arr_02

In the year ending June 2024, 55% of total arrivals were British nationals. The monthly proportion typically remained between 50 to 60% throughout the year, with some fluctuations which may be due to seasonal trends or differing patterns in holidays.

During periods with notable COVID-19 restrictions, such as early 2021, the proportion of British nationals was as low as 31%, which aligned with the lowest overall air passenger arrivals with the number of foreign arrivals also decreasing. As passenger numbers increased from July 2021 onwards, the proportion of British nationals increased beyond 50% again, reflecting UK citizens returning ability to take holidays and other trips abroad.

2. Visitors and short-term stays

Only certain nationalities (‘visa-nationals’) are required to obtain an entry clearance visa before coming to visit the UK, which is one reason why there are considerably more non-British passenger arrivals than visas granted. Many nationalities, including US nationals do not normally require a visa to visit the UK; consequently, there are considerably fewer visitor visas granted than visitors arriving.

There are several ways a non-British national may get permission to visit the UK for a short, temporary period, (usually up to 6 months), for purposes such as tourism, visiting friends or family, carrying out a business activity, or undertaking a short course of study.

• visa nationals must apply online for an entry clearance visa in advance of travel
• non-visa nationals can be granted leave to enter on arrival at the UK border
• people with existing immigration status do not need additional documents
• the electronic travel authorisation ( ETA ) scheme is for visitors who do not need a visa for short stays to the UK, or who do not already have a UK immigration status prior to travelling

There were 2.1 million visitor visas granted in the year ending June 2024, 16% higher than the year ending June 2023 but 13% lower than 2019, prior to the onset of the COVID-19 pandemic.

Visitor visa grants have continued to increase post-pandemic but are still below their peak in 2019 (2.4 million). This difference is largely due to 134,699 fewer grants to Chinese nationals, but also 119,107 fewer grants to Saudi Arabians, who no longer required a visa to visit the UK from 1 June 2022.

In the year ending June 2024, Indian nationals accounted for 25% of Visitor visas granted (530,587), with Chinese nationals accounting for 24% (507,883). The next largest visa nationalities were Turkish (7%), Nigerian (5%), Pakistani and South African nationals (both 4%).

The increase in the latest year was largely accounted for by 264,832 more visitor visas granted to Chinese nationals, more than double the number in year ending June 2023, although still 21% fewer than in the year ending December 2019, prior to the pandemic. The next largest increase in visitor visa grants in the latest year was seen by Turkish nationals with 41,535 more grants.

The ETA scheme opened to Qatari nationals on 25 October 2023. From 1 February 2024, the scheme was extended to nationals of Bahrain, Kuwait, Oman, United Arab Emirates, Saudi Arabia and Jordan. To the end of June 2024, there had been 393,253 applications for ETAs and 388,021 grants since the ETA scheme started.

Table 1: Applications and outcomes for ETAs by nationality, from scheme commencement 1 to the end of June 2024

• The ETA Scheme commenced on 25 October 2023 for Qatari nationals only and was later opened to nationals of Bahrain, Kuwait, Oman, United Arab Emirates, Saudi Arabia and Jordan on 1 February 2024

Additional information on visitors to the UK is published by the Office for National Statistics ( ONS ) in its publication ‘Leisure and tourism statistics’ .

3. Other grants of Entry clearance visas

There were 1.3 million non-visit visas granted in the year ending June 2024, 13% fewer than in the year ending June 2023, but 68% higher than in 2019. This was made up of Work (546,774), Study (530,496), Family (84,403) and ‘Other’ (114,763) visas, which includes the Ukraine schemes (28,491).

Figure 3: Entry clearance visas granted by route (main applicants and dependants) between the year ending June 2015 and the year ending June 2024

Source: Entry clearance visa applications and outcomes – Vis_D02

• Other includes Ukraine Scheme Visas, British National (Overseas), Dependants joining or accompanying, EEA and EUSS Permits.

There were almost 3.4 million visas granted in the year ending June 2024. The number of visas granted are now 7% higher than in 2019 – before the COVID-19 pandemic and while the UK was still part of the EU – due to more work and study visas being granted (1.1 million in the year ending June 2024 compared with 596,969 in 2019). The number of visitor visa grants are still lower than in 2019. Figure 3 shows that the increase within the last year is primarily due to 294,447 more visitor visas, which now make up nearly two-thirds (62%) of total entry clearance visas granted in the year ending June 2024.

4. About these statistics

The statistics in this section provide an indication of the number of people who enter the UK. The data does not show whether, or when, an individual arrived in the UK, what they did on arrival to the UK or how long they stayed in the UK. Many nationalities do not normally require a visa to visit the UK. As a result, they will be counted in the passenger arrivals data but not in the visa data. A list of designated nationalities referred to as ‘visa nationals’ who do require a visa to visit the UK can be found in Immigration Rules Appendix V: visitor rules .

For several reasons, data on passenger arrivals is not directly comparable with data on Entry clearance visas granted. A summary of what each dataset counts is provided in section 4.1 below and section 4.2 .

4.1 Passenger arrivals

The statistics in this release relate to the number of passengers crossing the border through legitimate routes. The method used to measure those arriving in the UK have been improved and differ from methods used previously and published regularly in the ‘admissions’ data tables, which are now a part of the ‘Passengers refused entry at the border’ summary tables. Further information on the differences between these methods can be found in the user guide . Any nationality breakdowns are based on the nationality associated with the passport used to enter the UK (regardless of any dual nationality held).

The statistics include people entering the UK on most air, sea and rail routes, and while they include the vast majority of arrivals, there are some coverage gaps. For example, people entering the UK via the Common Travel Area (CTA) between the UK and Ireland are not required to present their passport on entry to the UK and will not be included in the data.

Previous Passenger Arrivals reports used Advance Passenger Information (API) data, which primarily relates to passengers coming to the UK via commercial aviation routes. The data does not include those arriving by sea or rail routes, by private vessel. As a result, figures in this report may differ from passenger arrival statistics published elsewhere, however, the levels should be broadly comparable.

4.2 Entry clearance visas

Data on Entry clearance visas in this section refer to the number of visas granted for all reasons within the period. References in the statistics to ‘visas’ will also include Entry clearance ‘permits’, such as EEA and EU Settlement Scheme Family permits, or Frontier Worker permits. If an individual was granted multiple visas in a given period, this will be counted as multiple grants in the statistics. If an individual entered the UK multiple times within the period for which a visa was valid, this will be counted as one grant in the visa statistics, but multiple arrivals in the passenger arrivals data.

Year-on-year comparisons of the number of decisions can be affected by quarterly fluctuations in the data. Such fluctuations can be examined in more detail in the quarterly data that is available in the published tables.

Several known factors may have affected the number of applications and outcomes of visit-related visas over time. For example, the Home Office launched a 2-year Chinese visa pilot in January 2016 for Chinese nationals. The increase in longer-term Visitor visas may affect the number of subsequent re-applications by Chinese nationals.

More information on non-visitor arrival and visa data by category is included in ʻWhy do people come to the UK? To work’ , ʻWhy do people come to the UK? To study’ and ʻWhy do people come to the UK? For family reasons’ .

For more information on specific routes to the UK, including Ukraine Visa Schemes and British National (Overseas) ( BN(O) ) visas, see the ‘ Safe and legal (humanitarian) routes to the UK ’.

4.3 Electronic travel authorisations ( ETAs )

Data on ETAs in this section refer to the number of ETAs applied for, and either granted, refused, or rejected within this period. If an individual was granted multiple ETAs in a given period, this will be counted as multiple grants in the statistics. If an individual entered the UK multiple times within the period for which an ETA was valid, this will be counted as one grant in the ETA statistics, but multiple arrivals in the passenger arrivals data.

An ETA application is rejected if it does not meet the validity requirements set out in paragraphs ETA 1.1. – 1.2. of the Immigration Rules: Appendix ETA , specifically ETA 1.1. (d) and/or (e). Following a rejection, applicants are able to reapply for an ETA .

An ETA application must be refused where one of the reasons outlined in paragraphs ETA 2.1. – 2.7 of the Immigration Rules: Appendix ETA , is met. If an ETA application is refused, if the applicant wishes to travel to the UK they should make an application for a visitor visa.

Further information can be found on the electronic travel authorisation ( ETA ) guidance page .

5. Data tables

• Sponsorship summary tables
• Detailed sponsorship datasets
• Entry clearance visas summary tables
• Detailed entry clearance visas datasets
• Passenger arrivals summary tables

We welcome your feedback

If you have any comments or suggestions for the development of this report, please provide feedback by emailing [email protected] . Please include the words ‘PUBLICATION FEEDBACK’ in the subject of your email.

We’re always looking to improve the accessibility of our documents. If you find any problems or have any feedback relating to accessibility, please email us.

See section 6 of the ‘ About this release ’ section for more details.

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Money blog: Stamp duty hike on way; 'worrying' increase in energy bills this year

Welcome to the Money blog, a hub for personal finance and consumer news and tips. Today's posts include reaction to Ofgem announcing an energy price cap increase, as well as a warning over stamp duty. Listen to Ed Conway's analysis of UK borrowing and potential tax rises as you scroll.

Friday 23 August 2024 21:14, UK

• Price cap increase 'worrying', energy secretary says
• Warning £2,500 will be added to stamp duty 'overnight' in March
• Nationwide trumps rivals to offer new lowest mortgage rate

Essential reads

• Savings account that could put your child on strong financial footing at 18
• 'I cook with air fryer in living room after kitchen win went wrong'
• Ed Conway : Are tax rises inevitable - or is chancellor considering another way?
• Listen to Conway on the Daily above and  tap here to follow wherever you enjoy podcasts

Tips and advice

• How to get money back when purchase over £100 goes wrong
• What's the best way to buy travel insurance if I have a medical condition?
• Cheap Eats : Top Yorkshire chef shares Yorkshire pudding secrets

Ask a question or make a comment

By Jimmy Rice, Money blog editor

A lot of people have been scratching their chins and wondering whether the new government might be overstating the economic mess left by the previous regime.

The accusation, from the right, is that a narrative is being built to justify tax rises motivated not by necessity but ideology.

Data that's trickled in over the weeks since Rachel Reeves stepped into Number 11 - GDP growth, inflation remaining low - hasn't always helped the Labour story.

But this week, in the words of data and economics editor Ed Conway , "we had the latest public finances numbers and here the picture is considerably closer to the Reeves version than those other bits of data".

Government borrowing for July overshot expectations - and the consequences for public services and the tax burden in the October budget now look "grim", Conway wrote .

He discussed all of this in an episode of the Daily podcast, which you can listen to here or wherever you enjoy podcasts ...

Despite warning about the budget, Conway's sources suggest another route is still being considered by the chancellor, one that involves changing how the public finances are measured and judged. You can read about this here...

We also learned this week of the timeline for new EU visa rules.

UK citizens will need to pay a €7 visa-waiver charge to travel to Europe from next year. The additional charge, which is similar to the US ESTA, is part of a series of new border checks and entry requirements the EU is bringing in.

They'll apply when entering the Schengen area, which includes EU member states, plus Iceland, Liechtenstein, Norway and Switzerland. 

People under 18 or over 70 will be exempt from the charge - as will those travelling to Ireland or Cyprus.

The waiver will last for three years or until your passport expires.

Its official title is the European Travel Information and Authorisation System (ETIAS), and its implementation will follow the introduction of the EU Entry/Exit System (EES). The latter will require people to have their fingerprints registered and their pictures taken on arrival to airports.

Addressing the rollout, EU home affairs commissioner Ylva Johansson said the EES will enter into operation on ­10 November while the ETIAS will follow shortly after that in 2025 - likely May.

However, it is thought there could be a six-month grace period before the visas become compulsory - taking it to November next year.

On Friday morning, it was confirmed that the energy price cap would rise in October, with another hike expected in January.

"Unfortunately, a volatile wholesale market, and a country heavily reliant on imported energy has created a perfect storm for fluctuating household bills," said Dr Craig Lowrey, principal consultant at Cornwall Insight.

He argued that there may be a case for re-examining the price cap system given it's not protecting households from global energy trends.

A typical annual bill will now be £1,717 from the autumn, with £45 forecast to be added to that in the new year.

Here in Money, we examined football shirt prices as the new Premier League season got under way...

For a fuller understanding of this story, watch this explainer put together by our digital video team...

Three more essential reads from Money that are worth checking out are...

We're signing out of regular updates now until after the bank holiday weekend - but do check out our weekend read from 8am on Saturday. This week we're examining whether the Nike trainers bubble has burst.

Lots of stories we've covered in Money over the last week or so prompted a flurry of comments. We'll start with the multiple updates we've done on Gail's...

Some readers were on board with the backlash but more couldn't see what the fuss was about...

Surprised the faux posh in Walthamstow 'village' would baulk at pricey offerings from Gail's. They already seem quite happy to pay up market prices at their existing Spar store without complaint. Pack of sausages with la-de-da ingredients nearly 6-quid. I ask you! Keith

Most places would be thrilled to have Gail's opening. Their food and bread is excellent as is their coffee, they have very attractive décor and bring a touch of class to any high street. Petalin

We also had a fair few who wondered why we were covering this story at all...

Who or what is Gail? Alangillie

When did Walthamstow become a 'leafy suburb'. Thought it was home to East17? And why does this constitute national news? Shops open and close all the time in areas all over the country. Does one of your editors live there and opposes it? I don't see how this is news at all. City boy

Sometimes our posts prompt questions rather than comments - such as the one below following our feature on Section 75 consumer rights...

I want to buy a car for £7,000 from a dealership. Have I got credit card consumer protection if I pay half cash and half on a credit card? Clive Blackpool

The answer is that, yes, you would be protected - even if you just pay 1p of it on credit card. Everything you need to know is here...

Lots of you got in touch following our Saturday feature on how couples split their finances...

Readers shared how they and their partners split things...

We divide all bills more or less equally. He earns a lot more than I do and keeps his money/savings to himself after 50 years of being together. I have absolutely no idea how much in savings he has and he won't share anything. Yes you are reading this correctly! CP

100% all money going into one account for bills, disposable income etc - we manage it all on one spreadsheet! Never had a disagreement ever after 13 years and we're only 30! Can't ever imagine going for dinner and someone saying 'I'll get this' - how do people do it? abbie s

My partner and I are discussing purchasing a property together. Our rule will be 50% of the mortgage each regardless of income as we are both 50% owners of the asset. Other bills we'll just decide based on income. Adam

I earn a lot more than my partner, so once our relationship was mature enough I put the difference into shared savings. Since having a child all money goes into a joint account except for a small allowance each. Financial equality is so important for a happy relationship. Linda

It's simple. I do not know what my wife earns, she does not know what I earn, we have separate [accounts]. We buy what we need and want, when we go out she pays one time I pay next, we do not even look at the bill. That way you have no problems. Cozy Powell

My partner earns around £60k more than me per year and we split our bills down the middle, however, he buys all the food for us and the pets and generally pays when we go out. I couldn’t ask him for extra, I manage just fine with the current arrangement. LHam

All outgoing were paid from a joint bank account which we paid into from our personal accounts, salary split at the start was roughly 60/40 so I would pay 60% of the total and my wife 40% (plus 10%), any money left in our individual accounts was our own. 58mprl

The post that led to the most consternation this week concerned the hiking of fines for parents taking kids out of school...

You said...

Why are the government not looking at the travel agents? My partner and I both work in a school. We have no children at school but we have to pay extortionate prices for our time away as we have to go in school holidays. Tony

If I choose to take my children out of school to go on holiday, because let's face it parents can save a lot of money when the holiday season is over. I am a single parent with two kids, I'm holding down two jobs. Andy Henderson

As a teacher, I understand the frustration many parents feel about the extortionate prices of holidays. It's disheartening to see families AND teaching staff not being able to afford a holiday. I also understand how difficult it is for a child to catch up on missed work. Mikki

Highly disagree with the term time holiday penalty. There are countries where parents can authorise up to five days of leave per year. A long weekend here and there, or a week-long trip once a year is not going to hinder a child's prospect! TermTimeTravel

Starbucks' incoming chief executive, Brian Niccol, is under fire over the company's offer for him to commute around 1,000 miles by private jet.

Social media users were quick to criticise the world's biggest coffee shop chain over the move in light of its sustainability efforts elsewhere, such as banning plastic straws.

Mr Niccol's job offer said he will not have to relocate to the company's headquarters in Seattle, Washington, from his family home in Newport Beach, California, when he takes up his new role on 9 September.

Read more here...

Storm Lilian is causing disruption to travellers and festival-goers ahead of the bank holiday weekend.

Two stages at Leeds Festival have closed for the day, the BBC Radio 1 Stage and Aux Stage.

British Airways has cancelled 14 flights from Heathrow and delayed others, while two flights from Leeds Bradford Airport were cancelled and three morning arrivals diverted to Liverpool.

The energy price cap increase has led to renewed calls for a winter fuel payment U-turn.

The government plans to means test the payment for pensioners, making it available only to those receiving pension credit.

But Caroline Abrahams, charity director at Age UK, said this was "reckless and wrong" and "spells disaster for pensioners on low and modest incomes" after the latest bad news for energy costs.

Shein found two cases of child labour in its supply chain last year, the fast fashion retailer has said.

The company's 2023 sustainability report, published yesterday, said it suspended orders from the suppliers that had employed children under 16.

Both cases had been "resolved swiftly", it said, with remediation steps including ending underage employees' contracts, arranging medical check-ups, and facilitating repatriation to parents or guardians as necessary.

"We remain vigilant in guarding against such violations going forward, and in line with current policies, will terminate any non-compliant suppliers," Shein said in the report.

Shein has stepped up audits of manufacturers in China to assuage criticisms of its low-cost business model ahead of a planned flotation.

It tightened its supplier policy last October after the child labour cases were found, so that any severe breaches - called "Immediate Termination Violations" - would result in ending the relationship with the supplier immediately.

Previously, suppliers such as those that employed minors had 30 days to resolve the issue, failing which Shein would cut ties.

It's time to check if you have any Tesco Clubcard vouchers close to expiring, as £14m worth are due to run out on Saturday.

Vouchers are only valid for two years from the date they were issued, so it's worth making sure you don't have any hidden away in your account.

To check online, go to the Tesco Clubcard website and select "Clubcard account" and then "Vouchers". 

 You should then be able to see a table listing your available vouchers and their expiry dates.

If you're using the Tesco app, open it up, go to "Clubcard" and then to the "Vouchers" section.

What to do with your vouchers?

You can spend your hard-earned vouchers either online or in person. 

Alternatively, you can double the value of your vouchers by spending them at Tesco's reward partners , including Disney+, RAC and Zizzi.

By James Sillars , business reporter

It's a tentative start to the day's trading on financial markets with the focus firmly on the United States. Jackson Hole in Wyoming, to be exact.

That is where the chair of the US central bank will make an eagerly anticipated speech in which he is widely expected to signal that the first interest rate cut by the Federal Reserve will come next month.

Jay Powell is, however, expected to temper market expectations for several rate cuts by the end of the year.

That could hamper recent progress against the US currency by the pound, which is currently trading at one-year highs versus the dollar at $1.31.

It could also hurt a rate-sensitive stock market, which is desperate for lower borrowing costs.

As such, the FTSE 100 is trading 0.2% up in early deals at 8,304.

Miners and energy stocks are leading the way on upticks in prices.

Brent crude oil stands at $77 a barrel.

The energy price cap limits what utility companies can charge customers for a daily standing charge and each kilowatt-hour of gas and electricity they use.

Regulator Ofgem releases the cap quarterly and estimates how much the average household would typically pay over a year at the new unit price.

This figure, £1,717, assumes a household with 2.4 people living in it consuming 2,700 kWh for electricity and 11,500 kWh for gas.

The real annual cost per customer will be different depending on how much energy you actually use. If you use more gas and electric than £1,717 buys, you will pay more.

With prices fluctuating significantly at each quarterly release over the last four years, the use of a yearly figure is also quite an imperfect basis for medium-term household budgeting.

Here's what is actually capped: 

• Each unit of electricity: 24.5p per kWh (up from 22.36p)
• Each unit of gas: 6.24p per kWh (up from 5.48p)
• Electric standing charge: 60.99p (up from 60.12p)
• Gas standing charge: 31.66p (up from 31.41p)

Ofgem's price cap only applies to people in England, Scotland and Wales on standard variable or default tariffs.

This is most households, whether you pay by direct debit or a prepayment meter.

It doesn't apply to the small numbers of people still on fixed-rate tariffs.

Another quarter, another energy price fluctuation to contend with - another change to make to your household budget.

But there are fixed deals available cheaper than the new price cap, according to Uswitch.

The average household can save £125 against October's price cap with the cheapest 12-month fixed tariff, said Richard Neudegg, director of regulation at Uswitch.

At £1,592 typically per anum, it would also stave off another small increase expected in January, he said. 

It is worth pointing out that it is in Uswitch's favour for people to move, and a fixed tariff could always end up costing you more if the price cap were to drop below that fixed rate in April and June next year.

"Customers staring down the barrel of winter might question whether the current price cap system is really the best way to put real pricing pressure on suppliers," said Mr Neudegg.

"It's important for households looking for certainty to run a comparison to see what's available to them and see personalised prices based on how much energy they are likely to use."

Here are the top 10 fixed energy-only tariffs that could help you beat the price rise, according to Uswitch:

Pensioners are being urged to check if they are eligible for the winter fuel allowance after universal payments were scrapped by new Chancellor Rachel Reeves last month.

Previously, the money was available to everyone above state pension age, but now it will be limited to people over state pension age who are receiving pension credit or other means-tested support.

It means the number of people entitled to the money will drop from 11.4 million to just 1.5 million.

The payment is £200 for households where the recipients are all under 80, and £300 where they are over 80.

While around 1.4 million pensioners are already receiving pension credit, there are up to an estimated 880,000 households eligible for the support who are yet to claim, the Department for Work and Pensions says.

The government's awareness drive will help identify households not claiming the benefit, and encourage pensioners to apply by 21 December - the last date for making a backdated claim for pension credit in order to receive the Winter Fuel Payment.

It will focus on "myths" that may stop people applying, such as how having savings, a pension or owning a home are not necessarily barriers to receiving pension credit.

More information on applying for pension credit can be found on the  government's How to Claim page .

Stockbroker AJ Bell says a price rise at the start of colder months is the "exact scenario" British households hoped was behind them - particularly pensioners.

Combined with the effects of two years of high inflation, residents are set to spend another winter watching "thermostats like a hawk", said head of financial analysis Danni Hewson.

Many pensioners, in particular, have already tried all the tricks available to keep bills down and will be left merely hoping temperatures stay mild, she added.

"For many people having to find an extra £149 a year will be akin to pouring fresh salt on healing wounds," Ms Hewson said.

"For around 10 million older people who are also faced with having to make do without their winter fuel payments, it adds insult to injury. 

"Some pensioners will be able to manage, but others will find the winter months particularly tough."

Energy costs will be £117 below those last Autumn, but will still be £675 higher than October 2020.

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