Calculators

Travel Card Cost Calculator: Compare Cards by Trip

Travel card cost calculator: rank Wise, Revolut, N26, Bybit, Nexo and more by the fees a trip costs, e.g. EUR 1,000 by card and EUR 300 in cash a month.

Trip

Where you live

Where you travel

Currency at the destination

Trip length, months

A trip shorter than a month counts as 1.

Spending

Enter foreign-currency amounts at their value in EUR.

Card payments in a foreign currency, per month

ATM cash in a foreign currency, per month

ATM withdrawals per month

Share of spending at weekends

Answer

Of the cards with a full price, N26 Smart is cheapest: about 10.00 EUR; Bybit Card EU costs 10.50 EUR. Wirex Standard costs 7.00 EUR and Wise 8.35 EUR, each plus a conversion fee that depends on the currency (the app shows it before you pay). Nexo Card Base has only a virtual card on this plan, so it cannot withdraw cash and is left out of the comparison.

Assumes a euro card used in another currency outside Europe, so payments and cash are converted.

1
N26 SmartCheapestEEA (euro account) · Review
Trip total: 10.00 EUR
Per month: 10.00 EUR
Exchange
0.00 EUR
ATM
5.10 EUR
Plan
4.90 EUR
Card
0.00 EUR
card delivery extra
Fees as of 26 Sep 2026 · source
2
Bybit Card EUEEA (euro account) · Review
Trip total: 10.50 EUR
Per month: 10.50 EUR
Exchange
6.50 EUR
ATM
4.00 EUR
Plan
0.00 EUR
Card
0.00 EUR
crypto conversion extra
Fees as of 26 Sep 2026 · source
3
N26 StandardEEA (euro account) · Review
Trip total: 15.10 EUR
Per month: 15.10 EUR
Exchange
0.00 EUR
ATM
5.10 EUR
Plan
0.00 EUR
Card
10.00 EUR
Fees as of 26 Sep 2026 · source
4
Wirex StandardEEA (euro account) · Review
Trip total: 7.00 EUR
Per month: 7.00 EUR
Exchange
0.00 EUR
ATM
2.00 EUR
Plan
0.00 EUR
Card
5.00 EUR
+ conversion fee shown in the app
Fees as of 26 Sep 2026 · source
5
WiseEEA (euro account) · Review
Trip total: 8.35 EUR
Per month: 8.35 EUR
Exchange
0.00 EUR
ATM
1.35 EUR
Plan
0.00 EUR
Card
7.00 EUR
+ conversion fee shown in the app
Fees as of 10 Oct 2026 · source
6
Nexo Card BaseEEA (euro account) · Review
Trip total: 21.50 EUR
Per month: 21.50 EUR
Exchange
21.50 EUR
ATM
0.00 EUR
Plan
0.00 EUR
Card
0.00 EUR
virtual card only on this plan: no ATM cash; total covers card payments
Fees as of 26 Sep 2026 · source

How a card payment abroad is pricedN26 Smart

Card payments1,000.00 EUR
ATM cash300.00 EUR
Exchange0.00 EUR
ATM5.10 EUR
Plan4.90 EUR
Card0.00 EUR
Trip total10.00 EUR

Anyone with the link can read your entered amounts and settings. If the real figures are private, share an example with other numbers.

Next steps with this result

Compare the cards and services this result applies to:

ATM withdrawal cost calculatorPrice one withdrawal with the ATM owner fee and conversion.FX fee calculatorCompare two cards on any percentage and fixed fee.ATM withdrawal strategyFree allowances and how to withdraw cash abroad for less.

Example: one month abroad

EUR or GBP 1,000 of card payments and 300 in cash from two ATM withdrawals in one month outside Europe, 30% of it at weekends. Card cost includes the first physical card or its delivery.

EEA (euro account)

1
N26 SmartCheapestEEA (euro account) · Review
Trip total: 10.00 EUR
Per month: 10.00 EUR
Exchange
0.00 EUR
ATM
5.10 EUR
Plan
4.90 EUR
Card
0.00 EUR
card delivery extra
Fees as of 26 Sep 2026 · source
2
Bybit Card EUEEA (euro account) · Review
Trip total: 10.50 EUR
Per month: 10.50 EUR
Exchange
6.50 EUR
ATM
4.00 EUR
Plan
0.00 EUR
Card
0.00 EUR
crypto conversion extra
Fees as of 26 Sep 2026 · source
3
N26 StandardEEA (euro account) · Review
Trip total: 15.10 EUR
Per month: 15.10 EUR
Exchange
0.00 EUR
ATM
5.10 EUR
Plan
0.00 EUR
Card
10.00 EUR
Fees as of 26 Sep 2026 · source
4
Wirex StandardEEA (euro account) · Review
Trip total: 7.00 EUR
Per month: 7.00 EUR
Exchange
0.00 EUR
ATM
2.00 EUR
Plan
0.00 EUR
Card
5.00 EUR
+ conversion fee shown in the app
Fees as of 26 Sep 2026 · source
5
WiseEEA (euro account) · Review
Trip total: 8.35 EUR
Per month: 8.35 EUR
Exchange
0.00 EUR
ATM
1.35 EUR
Plan
0.00 EUR
Card
7.00 EUR
+ conversion fee shown in the app
Fees as of 10 Oct 2026 · source
6
Nexo Card BaseEEA (euro account) · Review
Trip total: 21.50 EUR
Per month: 21.50 EUR
Exchange
21.50 EUR
ATM
0.00 EUR
Plan
0.00 EUR
Card
0.00 EUR
virtual card only on this plan: no ATM cash; total covers card payments
Fees as of 26 Sep 2026 · source

United Kingdom

For this trip Revolut Standard costs about 8.90 GBP. Wirex Standard costs 7.00 GBP and Wise 8.35 GBP, each plus a conversion fee that depends on the currency (the app shows it before you pay).

1
Revolut StandardCheapestUnited Kingdom · Review
Trip total: 8.90 GBP
Per month: 8.90 GBP
Exchange
6.90 GBP
ATM
2.00 GBP
Plan
0.00 GBP
Card
0.00 GBP
card delivery extra
Fees as of 26 Sep 2026 · source
2
Wirex StandardUnited Kingdom · Review
Trip total: 7.00 GBP
Per month: 7.00 GBP
Exchange
0.00 GBP
ATM
2.00 GBP
Plan
0.00 GBP
Card
5.00 GBP
+ conversion fee shown in the app
Fees as of 26 Sep 2026 · source
3
WiseUnited Kingdom · Review
Trip total: 8.35 GBP
Per month: 8.35 GBP
Exchange
0.00 GBP
ATM
1.35 GBP
Plan
0.00 GBP
Card
7.00 GBP
+ conversion fee shown in the app
Fees as of 10 Oct 2026 · source

Decision framework

Pick where you live and how you will spend on the trip, and the calculator ranks the travel cards we track by what the trip costs in card fees, cheapest first.

Each card uses its published fees for your residence, with the date they were checked and a link to the source. The calculator adds the exchange fee on card payments and cash, the provider ATM fee above each free monthly allowance, the plan’s monthly fee and the first physical card or its delivery. Weekend exchange fees apply to the weekend share you enter. Wise and Wirex price conversion per currency pair, so their totals show the other fees and the app shows the conversion fee before you pay. ATM owners can add their own fee on the machine screen.

Example: EUR 1,000 by card and EUR 300 in cash for a month

An EEA resident spends EUR 1,000 by card and takes EUR 300 in two withdrawals in one month outside Europe. N26 Smart costs EUR 10.00 (1.7% of the cash plus EUR 4.90 for the plan); Bybit Card EU costs EUR 10.50 (0.5% of EUR 1,300 plus 2% of the EUR 200 above its EUR 100 allowance); N26 Standard costs EUR 15.10 with the EUR 10 physical card (fees as of 26 Sep 2026).

Before you choose a card for the trip

Use the region where your account is registered: prices differ by residence.
Split cash into fewer, larger withdrawals if the card has a free allowance.
Pay in the local currency when a terminal or ATM offers to convert.
Order the physical card well before you leave if you need ATM cash.
Carry a second card from another provider as a backup.

FAQ

Which card is cheapest for a trip abroad?

It depends on where you live, how much cash you take and whether you spend in your card’s own currency. For an EEA resident spending EUR 1,000 by card and EUR 300 in cash outside Europe, the lowest full prices are N26 Smart at EUR 10.00 and Bybit Card EU at EUR 10.50 (as of 26 Sep 2026). Wirex costs EUR 7.00 (as of 26 Sep 2026) and Wise EUR 8.35 (as of 10 Oct 2026) before their conversion fee, which depends on the currency, so check it in the app. In the UK, Revolut Standard costs GBP 8.90 for the same trip in pounds (as of 26 Sep 2026).

Why do Wise and Wirex show “+ conversion fee”?

Both price currency conversion per currency pair rather than at one fixed percentage. The total shows their ATM and card fees, and the app shows the conversion fee before you pay, so add it for the currency you will spend.

Does the total include the ATM owner’s fee?

No. The total covers the card provider’s fees. An ATM owner can add its own charge, which the machine shows before you confirm; choose a bank ATM and decline the machine’s own conversion to keep it low.

How are weekend fees counted?

Revolut Standard adds 1% to exchanges at weekends, and Nexo charges 0.7% instead of 0.2% inside Europe (2.5% instead of 2% outside). The calculator applies those extra fees to the weekend share of spending you enter.

Fees and terms change, so check the provider’s current price page before you sign up. How we compare