Spend abroad without the fees
Standard bank cards charge 2–4% on every foreign transaction, plus hidden currency markups. Multi-currency accounts give you the real exchange rate and often free ATM withdrawals abroad.
Hold 40+ currencies, get local bank details in 10 currencies, and spend abroad at the real exchange rate.
Wise has the best exchange rate and transparent fees. Revolut has better in-app features (crypto, stock, budgeting) and higher free ATM limits on paid tiers.
Yes — a small emergency amount always. Cash is essential in rural areas, small vendors, tips and countries like Japan or Germany where cards aren't universal.