Nobody likes bank & ATM fees. Don’t pay them.

You can’t carry all the cash you need while traveling full-time.

But using your bank card comes with expensive foreign currency exchange fees and ATM withdrawal fees. Say hello to the Fintech Industry.

I honestly don’t remember the last time I paid a fee for using my card, because I use Revolut, Monese, and Curve and they don’t charge anything.

As with anything else, they do have limits, but even their free plans are awesome enough for a budget traveler like me.

Revolut is practically my bank at this point. They even have a bank license, so you’re covered up to 100,000 euros.

I use the free plan which has up to 200 euros free in monthly withdrawals. Paid plans come with various perks and could be worth it depending on your profile.

Monese is my backup banking app. It’s very similar to Revolut in the value it offers, although the limits on the free plan are somewhat lower (100 eur / month free ATM withdrawals).

Since my Revolut card is a Visa and my Monese is a Mastercard, I’m covered for all ATMs

Curve is an app that combines all of your existing cards into 1.

You can link any card to Curve and get charged in its local currency.

I use it in combination with Revolut to add another 200 eur/month of free ATM withdrawals.