- Best forBusinesses issuing expense & team cards
- FX rate2% on foreign currency
- CardYes
E-Wallet Reviews
In-depth, independent reviews of every wallet we track — ranked by overall score.
- Best forLarger international money transfers
- FX rateMargin on the exchange rate, varies by currency and amount (not published as a %)
- CardNo card
- Best forHigh-volume players wanting fast free transfers
- FX rate2% Standard; 1% Classic; 0.5% Premium; 0% Noir
- CardYes
- Best forMulti-currency wallet with prepaid cards
- FX rateSpread on conversions
- CardYes
- Best forCheap, transparent international transfers
- FX rateMid-market + transparent fee (often <0.5%)
- CardYes
- Best forFree UK personal and business banking
- FX rateMastercard rate, no Starling fee on card payments
- CardYes
- Best forTravel spending and an all-in-one app
- FX rateMid-market weekdays; ~1% weekend on Standard
- CardYes
- Best forContactless payments on Apple devices
- FX rateUses your card's FX terms
- CardNo standalone card; tokenises existing cards
- Best forEveryday UK banking and budgeting
- FX rateMastercard rate, no Monzo markup
- CardYes
- Best forContactless payments & passes on Android
- FX rateUses your card's FX terms
- CardNo standalone card; stores cards, passes & tickets
- Best forEveryday payments in China
- FX rateFX spread for inbound visitors
- CardNo physical card; QR-code linking bank cards
- Best forSplitting bills with US friends
- FX rateN/A (US-only)
- CardYes
- Best forIn-app payments & P2P in China
- FX rate3% foreign-card fee on ¥200+ (waivers apply)
- CardNo physical card; QR-code linking bank cards
- Best forMobile money & remittances in Africa
- FX rateApplies on international remittances
- CardLimited
- Best forEveryday no-fee banking in the US
- FX rateN/A (US)
- CardYes
- Best forEveryday banking in the Eurozone
- FX rateMid-market on card payments
- CardYes
- Best forDigital nomads needing EU banking + multi-currency
- FX rateMastercard rate + 0.5% (Free: 1.5% after €1,000 a year)
- CardYes
- Best forSimple everyday banking and payments
- FX rateN/A
- CardYes
- Best forUPI payments & bill pay in India
- FX rateN/A (domestic)
- CardYes
- Best forInstant payments between US bank accounts
- FX rateN/A (US)
- CardNo
- Best forFreelancers & marketplaces getting paid globally
- FX rateUp to ~3.5%
- CardYes
- Best forConsolidating multiple cards into one
- FX rateMastercard wholesale rate; free up to £/€250 a month on Curve Pay, then 2.99% (+1.5% at weekends)
- CardYes
- Best forEveryday payments in Turkey
- FX rateFX margin on foreign spend
- CardYes
- Best forCheap SEPA transfers & small-business accounts
- FX rateCompetitive conversion
- CardYes
- Best forCashback, saving and investing in one app
- FX rate1% over the Visa rate on non-euro card payments
- CardYes
- Best forMobile deposits & withdrawals
- FX rate~0.99% on major currencies
- CardYes
- Best forOnline shopping & buyer protection
- FX rate~3–4% above wholesale rate
- CardLimited (debit/credit in some markets, e.g. US)
- Best forInternational online payments
- FX rate4.49% (Skrill reference rate)
- CardYes
- Best forEveryday spending with cashback
- FX rateMarkup over ZEN rate, lower on paid plans (see ZEN fee page)
- CardYes
- Best forOnline deposits & international transfers
- FX rateUp to 3.99% (VIP from 1%)
- CardYes
- Best forPayments in LatAm & emerging markets
- FX rateConversion margin varies
- CardYes
- Best forEstablished multi-currency wallet for gaming
- FX rate~2.99% standard tier
- CardYes
- Best forCash-funded online payments, no bank account
- FX rateConversion fee on cross-currency payments (rate not published)
- CardOptional
- Best forMulti-currency online payments & gaming
- FX rateNot published on the public fee page
- CardYes
- Best forInternational online payments
- FX rateConversion margin applies
- CardYes
- Best forOpening an account without local credit history
- FX rateFX fee on free plan; lower on paid
- CardYes
- Best forNiche/legacy regional digital payments
- FX rateExchange spread
- CardNo native card