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5 Best Travel Money Cards for the UK: A Guide for Australians

UK Currency

Planning a trip to the UK from Australia? Whether you're exploring the bustling streets of London, the historic sites of Edinburgh, or the charming countryside of Wales, having the right travel money card can make your journey smoother.

In the UK, you are likely to pay for accommodation, food, transport, and entertainment, as well as withdraw cash from ATMs with your card. So which is the best option to take with you?

In this guide, we'll dive into the best travel money cards for Australians heading to the UK, ensuring you have a seamless and cost-effective experience.


Best 5 Travel Money Cards for the UK in 2024:

Wise Travel Card - Great Exchange Rates

  • 40+ currencies available
  • Best exchange rates globally
  • One of the lowest conversion fee on the market
  • No international transaction fees
  • No annual or monthly fees
  • Extremely low costs to send money overseas

Revolut - Low Fees

  • 30+ currencies available
  • One of the best exchange rates globally
  • No international transaction fees
  • No annual or monthly fees for standard membership
  • No initial card fee
  • Instant access to a range of cryptocurrencies

Travelex Money Card - Best All Rounder

Best Features

  • Unlimited free ATM withdrawals
  • 24/7 Emergency Assistance
  • Initial and replacement card are free
  • No international transaction fees
  • Lock in up to 10 currencies

HSBC Everyday Global Travel Card - Best Travel Card by Bank

Best Features

  • Great exchange rate offered for British pounds (GBP)
  • No ATM fees at HSBC tellers
  • No international transaction fees
  • No initial card, closure, account keeping or monthly fees
  • No cross currency conversion fees
HSBC Global Everyday card is one of the top 5 travel money cards to take to the UK

Bankwest Breeze Platinum Credit Card - Lowest Interest Rate

Best Features

  • Lowest interest rate at 9.90%
  • No international transaction fees on purchases
  • Up to 55 days interest free on purchases
  • Low annual fee
  • Complimentary international travel insurance
Bankwest Breeze Platinum Credit Card is one of the 5 travel money cards for the UK in 2022
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Bankwest Breeze Platinum Credit Card

  • Free annual fee first year, then $69 annual fee
  • Free international travel insurance that includes the basics but does not cover cancellation costs, pre existing conditions and travellers over 80
  • $6,000 minimum credit card
  • 0% p.a. on purchases and balance transfers for the first 15 months, then reverts to 9.90%
  • 21.99% interest rate on purchases and cash advances
  • Cash advance fee of the higher of $4 or 2% of cash advance
  • Can be used wherever Mastercard is accepted

The Bankwest Breeze Platinum is a great no frills credit card that offers ‘no foreign transaction fees’ and the lowest interest rate on the market, at 9.90%. These two factors alone will save you hundreds of dollars when travelling throughout the UK.

In addition it has a low annual fee and complimentary international travel insurance. Finally for its price point it is a great value credit card that will be accepted most places in the United Kingdom.

ING One Low Rate Credit Card - No Annual Fee

Best Features

  • No annual fee
  • No international transaction fees on purchases
  • Up to 45 days interest free on purchases
  • Lowest cash advance interest rate of 11.99%
  • Use instalment plans to pay off your purchases over time at a lower interest rate
ING One Low Rate Credit card is one of the five top travel money cards for the UK in 2022
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ING One Low Rate Credit Card

  • 11.99% interest rate on purchases
  • $6,000 minimum credit card
  • Make payments from your mobile with pay with Apple Pay and Google Pay
  • International ATM fee and Foreign currency conversion fee are waived when you deposit $1,000 into your Orange Everyday each month, and make 5+ card purchases that are settled. Otherwise they are the higher of 3% or at least $3
  • Put repayments on auto payment each month to pay the minimum balance or full amount
  • Can be used wherever Visa is accepted

The ING One Low Rate credit card is a great option to take to the United Kingdom as it charges no annual fee and offers a low interest rate for purchases and cash advances of 11.99%. The cash advance interest rate is very low and about 50% less than most of its competitors who charge around 22% on cash advances.

Furthermore the ING One Low Rate credit card has no international transaction fees, so you can save money on your travels and when you buy goods from overseas. It's a handy backup card to have in your wallet when travelling through the UK.

Why Choose a Travel Money Card for the UK?

The UK is a diverse and exciting destination, and managing your finances while traveling can be straightforward with the right travel money card. Here’s why you should consider using one:

  1. Convenience: Travel money cards are easy to use and accepted widely across the UK. Whether you're paying for meals, shopping, or transport, having a travel money card means you don’t have to worry about carrying large amounts of cash.
  2. Security: Travel money cards offer enhanced security features compared to cash. If lost or stolen, you can easily block the card and protect your funds.
  3. Cost-Effective: Many travel money cards offer competitive exchange rates and low fees, helping you save money on transactions and currency conversions.


Best Practices for Using Travel Money Cards in the UK

To make the most of your travel money card, keep these tips in mind:

  • Notify Your Bank: Before you travel, inform your bank about your trip to avoid any issues with card usage abroad.
  • Carry a Backup: It’s always wise to have a backup card in case of emergencies.
  • Monitor Your Spending: Use your card’s app or online portal to keep track of your spending and balance.
  • Avoid Dynamic Currency Conversion: When given the option, choose to pay in local currency (GBP) to avoid additional fees.


Things to Consider When Choosing a Travel Money Card

Selecting the right travel money card involves considering several factors:

  1. Exchange Rates: Look for cards that offer competitive exchange rates for GBP.
  2. Fees: Be aware of any fees associated with the card, such as ATM withdrawal fees, transaction fees, and inactivity fees.
  3. Reload Options: Check how easy it is to reload your card and what methods are available (e.g., online, via app, etc.).
  4. Security Features: Ensure the card has robust security features, such as the ability to lock/unlock the card via an app and fraud protection.
  5. Customer Support: Consider the level of customer support available, especially in case of lost or stolen cards.
Editorial note: We may not cover every product in this category. For more information, see our Editorial guidelines.

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