Discover the freedom of multi-currency bank cards 💳🌍
This article explains the advantages of multi-currency bank cards, which allow you to make payments abroad while saving on the usual fees associated with currency conversions. Unlike traditional cards, these cards offer enhanced security, more advantageous exchange rates and a simplified price list. Users can hold and convert currencies at the real market rate.
Multi-currency cards, like those offered by Wise, allow you to manage several currencies at once, make international transfers without fees and benefit from services such as local IBANs for different countries. The article also highlights neo-banks and dematerialized financial institutions that offer practical solutions for traveling at lower costs.
- Scotia Bank Card Offers multi-currency credit cards with benefits for travelers, including competitive exchange rates and travel rewards.
- Curve Card Allows you to combine several cards into one and avoid exchange fees on payments abroad.
- Carte Multi-Currency Boursorama Offers payments without exchange fees abroad with additional banking services.
- Monese Multi-Currency Card Allows you to manage multiple currencies from a single account with reduced fees for international transactions.
- Revolut Multi-Currency Card Allows you to hold, send and exchange currencies at interbank rates with free or paid options depending on the plans.
- Wise Multi-Currency Card Offers currency conversions at real market rates with reduced fees for international payments and withdrawals.
- Carte N26 Offers fee-free payments in foreign currencies with premium offers for additional benefits.
- Fortuneo The multi-currency card offered by Fortuneo is the World Elite CB Mastercard. It offers attractive benefits for frequent travelers, including:
- TransferWise Multi-Currency Account An account allowing you to manage several currencies with a linked card, for transactions at the real market rate.
Make sure you have the following advantages with a multi-currency bank card:
- Free payments and withdrawals in foreign currencies within the limits of the authorized ceilings. However, it is advisable to withdraw large amounts to avoid possible local fees imposed by some foreign banks.
- International insurance and assistance, covering incidents such as loss or theft of baggage, trip cancellation, and civil liability abroad, with very high limits.
- Access to exclusive services, such as 24-hour concierge, privileged access to certain airport lounges, and a medical teleconsultation service.
These cards are ideal for travelers and expats looking to reduce fees related to currency conversions.
We chose the Scotiabank card for our trip around the world. It allowed us to avoid currency conversion fees and benefit from comprehensive travel insurance. Result: simple, secure and surprise-free transactions throughout our international adventure.
Before departure, we tested the Wise card for a few weeks. Although it is interesting in principle, since it is a prepaid debit card, we encountered several problems: difficulty recharging, significant delays when paying deposits for excursions with other passengers, and overall lack of reliability. After we left on our cruise, we stopped using it.
When traveling long term, peace of mind and reliability are essential — and the Scotia Card was clearly the best option for us.
