Table of contents:
Did you know you could be losing hundreds of euros in fees every time you travel abroad? Whether you’re paying in a different currency, withdrawing cash from an international ATM, or simply using your regular card, these costs can silently eat away at your budget.
In this updated guide, you’ll discover the best commission-free cards for traveling abroad in 2025, compared one by one to help you choose the one that best fits your travel profile. Saving money, avoiding surprises, and maintaining complete control of your finances while exploring the world is easier than you think.
2025 Comparison: The Best Commission-Free Cards for Traveling
More and more fintech companies and digital banks are offering fee-free cards tailored for travelers. But not all cards are created equal—some stand out for international coverage, others for ease of use or perks like cashback and insurance.
Here’s an updated selection of the best options this year, each with unique benefits depending on your travel style:
Revolut – Ideal for Frequent and Multi-Currency Travelers
Revolut allows you to switch between more than 30 currencies at interbank exchange rates, making it a top choice for those visiting multiple countries. It includes both physical and virtual cards, expense control features, and plans that offer benefits like travel insurance and free withdrawals.
N26 – Simple and Effective Card for Commission-Free Payments
The digital bank N26 offers a fully online banking experience. Its standard card charges no fees for payments abroad and allows global ATM withdrawals depending on your chosen plan. Its intuitive app makes it ideal for those who appreciate simplicity.
Wise – Best for Transfers and Multiple Currencies
Wise is perfect for users who send or receive money in various currencies. Its card lets you pay with your balance in over 50 real currencies, with no hidden exchange rate markups. It’s ideal for freelancers, students, and digital nomads.
EVO Banco – Spanish Account and Card with No Foreign Fees
EVO Banco combines the best of traditional banking with digital convenience. Its smart card lets you make up to three free ATM withdrawals per month anywhere in the world and pay abroad without currency exchange fees.
Vivid Money – Cashback and Full Control via the App
Vivid not only allows commission-free payments abroad but also offers cashback at selected retailers. Its app lets you create sub-accounts in different currencies and track all your travel expenses in real time.
Key Factors When Choosing a Card for Traveling Abroad
Before choosing which card to use abroad, it’s important to consider a few factors that can significantly affect your travel finances:
Fee-Free Withdrawal Limits and Hidden Conditions
Some cards limit the number of free withdrawals or impose conditions based on the country. Always check the terms and conditions to avoid surprises.
Exchange Rate Applied: Interbank vs. Markup
Look for cards that apply the interbank exchange rate with no added margin. Traditional banks often add hidden markups of up to 5% per transaction.
International Acceptance Network: Visa, Mastercard, or AMEX
Ensure your card belongs to a network accepted at your destination. Visa and Mastercard offer broader global coverage than AMEX, especially in Asia and Latin America.
Travel Insurance Included: Accidents, Delays, and Cancellations
Some premium cards come with insurance that covers lost luggage, medical emergencies, and trip cancellations. Consider whether the benefits justify the plan’s cost.
Customer Service Abroad: Availability and Resolution
Quick, multilingual 24/7 customer support can be crucial in the event of card issues or theft. Check user reviews to gauge the quality of the service.
Which Card Should You Choose Based on Your Travel Profile?
Not all travelers have the same needs. These recommendations will help you find the card that best matches your travel style:
Frequent Travelers or Digital Nomads
Revolut and Wise are favorites for their global focus, multi-currency support, and extras like insurance and fast transfers.
Students or Au Pairs Abroad
N26 or Bnext are excellent for their simplicity, easy app-based management, and no fees on international payments.
Occasional Vacation Trips or Weekend Getaways
EVO Banco and Vivid provide practical solutions for those who travel less often but want to avoid unexpected charges.
Backpackers or Low-Cost Travelers
bunq and Rebellion are great for their free or low-cost plans, solid European support, and expense tracking via their apps.
Users Who Prioritize Security and Support
Charles Schwab (for U.S. residents) and N26 (for Europeans) are known for excellent customer service and strong protection for users abroad.
Save and Travel Abroad Without Any Banking Surprises
Using a commission-free card while traveling in 2025 is a smart move that helps you save money, avoid nasty surprises, and maintain a clear overview of your spending abroad. Choose the option that fits your travel profile, compare the benefits, and get ready to enjoy your next adventure worry-free.
With the best commission-free cards for traveling abroad in 2025, your money continues working for you—even when you’re away from home.
Frequently Asked Questions About Commission-Free Travel Cards
Before choosing your card, it’s normal to have a few questions. Here we answer the most common ones to help you make an informed decision:
Can I Have More Than One Fee-Free Card at the Same Time?
Yes. In fact, it’s a good idea to have at least two cards to reduce risk, take advantage of different benefits, and have a backup if one fails.
Are Fee-Free Cards Really Free?
It depends on the plan. Many offer free versions with limitations and premium versions with additional perks. Check for monthly fees, withdrawal charges, or currency exchange costs.
How Do I Know If My Card Charges Fees Abroad?
Visit your bank’s official website or app. Look for sections like “international fees” or “foreign usage.” You can also test with a small transaction and check your statement for confirmation.
