- Mr Plane Guy
- 1 day ago
- 6 min read
Updated: 8 hours ago
Best Travel Money Cards in the UK for 2025 – Low Fees, Big Rewards & Smooth Travels
By Flight Expert Mr Plane Guy
Disclosure: This post contains affiliate links. I am affiliated with Hilton and Currensea, which means that if you sign up for a Hilton Honors Travel Debit Card through my link, I may receive a small commission at no extra cost to you. This helps support my travel blog and allows me to continue creating useful content. Thank you for your support!
Important: I am not a financial expert, and this article is for informational purposes only. Always do your own research and consider your financial situation before making any decisions about financial products.
Planning your next getaway? Whether it’s sipping espresso in Rome or shopping in New York, sorting your travel money can be the make-or-break of a smooth holiday. Using your regular debit card abroad can be costly – think hidden fees, poor exchange rates, and ATM charges. But good news – travel money cards are here to help you save, earn rewards, and spend with confidence.
In this guide, I’ll walk you through the top travel cards for UK travellers in 2025, including trusted names like Tesco Travel Money, Travelex, Monzo, Revolut, and even the standout Hilton Honors Debit Cards, which are now offering serious value thanks to a limited-time fee discount.
🥇 1. Hilton Honors Plus Debit Card – Best for Travel Rewards & FX-Free Spending
If you're looking for a premium travel card that goes the extra mile (or point!), the Hilton Honors Plus Debit Card is in a league of its own.
Key Perks:
No foreign transaction fees – perfect for using your debit card abroad.
Realtime Exchange Rate – track your spending without surprises.
Earn up to 4.5 Hilton Honors Points per £1 spent.
Fee-free ATM withdrawals abroad (up to £500/month).
Instant Gold Hilton Honors Status, which means perks like:
Daily breakfast
Late checkout
Space-available upgrades
80% bonus points on hotel stays
Annual Fee: £150 Limited-Time Bonus: 30,000 Hilton Points when you spend £2,500 in foreign currency within 6 months (offer ends 14 August 2025).
2. Hilton Honors Debit Card – Budget-Friendly Travel Perks
Not quite ready for the Plus version? The standard Hilton Honors Debit Card still packs a punch at a much lower price.
Key Features:
Earn up to 3 Hilton Honors Points per £1 spent.
Low FX fee of just 0.5%
Low ATM fee (0.5% up to £250/month)
Instant Hilton Silver Status – includes perks like late checkout and bottled water.
Point Booster: Earn 1 point for every 1p rounded up.
Annual Fee: £30 (discounted from £60 – offer ends 14 August 2025)Welcome Bonus: 2,500 Points for spending £500 abroad in the first 3 months.
Great for travellers looking for low fees, reward points, and budget flexibility.
👉 Ready to travel smarter? Get Hilton Silver Status, low fees, and points with every purchase – all for just £30/year.
Tap here to learn more & apply today! (Offer ends 14 August 2025)
3. Monzo Travel Card – App-First, Low-Fee Favourite
The Monzo Travel Card remains a firm favourite among travellers who love intuitive app control and minimal fees.
Why We Love It:
No foreign transaction fees
Real-time exchange rates
Free ATM withdrawals abroad up to £200/month (then 3%)
Instant transaction notifications
In-app budgeting and travel reports
Perfect for those who want a modern, no-fuss way of using a debit card abroad without worrying about charges.
4. Tesco Travel Money Card – Earn Clubcard Points While You Spend Abroad
Tesco’s offering might surprise you. With the Tesco Travel Money Card, you can lock in exchange rates and even earn Clubcard points while spending overseas.
Benefits:
No purchase fee
Load multiple currencies
Lock in exchange rates
Use it at millions of locations worldwide
Earn Clubcard points with every top-up
Plus, with the convenience of Tesco’s in-store travel money bureaus, you can top up while you shop!
5. Travelex Money Card – Trusted Name, Global Support
Travelex is a go-to for many UK travellers looking for simplicity and reliability.
Features:
Load and hold up to 10 currencies
Lock-in rates to avoid nasty surprises
Free overseas ATM withdrawals
24/7 emergency assistance
Great if you want something straightforward from a brand you already trust.
6. Post Office Travel Money Card – Easy and Reliable
The Post Office Travel Card is ideal if you prefer to keep your travel funds separate from your bank account.
Top Perks:
Lock in exchange rates
Load up to 22 currencies
No transaction fees abroad
Use worldwide anywhere Mastercard is accepted
Access support from Post Office branches across the UK
Also great for budgeting, as you only spend what you load.
7. Revolut Travel Card – A Techy Traveller’s Dream
Revolut is known for shaking up the financial world with app-based, fee-busting money management.
What Makes It Great:
Interbank exchange rates
Spend in over 150 currencies with no markup (up to £1,000/month)
Fee-free ATM withdrawals up to £200/month
Multi-currency wallet and crypto options
In-app spending analytics
Just watch out for weekend markups (1%) and fees for premium plans if you want extra features.
8. Asda Money Exchange Card – Convenience Meets Travel
Asda Money Exchange offers a prepaid travel card that’s ideal for shoppers who want to keep travel and groceries separate.
Highlights:
Available in-store at Asda locations
Competitive rates on foreign currencies
Reload online or via app
Access emergency cash services
Especially handy if you do your weekly shop at Asda and want the ease of travel money in your trolley too.
Bonus: Using a Debit Card Abroad – What You Need to Know
Still wondering if it’s safe (and smart) to use your debit card abroad? Here’s a quick reality check:
✅ Pros:
Safe and easy to use
No need to carry large amounts of cash
Can be used for hotel deposits or booking excursions
Most travel cards offer excellent exchange rates
⚠️ Watch Out For:
Hidden FX fees on standard UK bank cards (often 2.75%-3%)
ATM fees abroad
Poor exchange rates from high street banks
That’s why travel-focused cards like Monzo, Revolut, or the Hilton Honors Debit Cards are your best bet – they’re designed for travellers like you.
Final Thoughts – Which Travel Card Should You Choose?
Here’s a quick summary:
Card | Best For | Fees Abroad | Rewards |
Hilton Honors Plus | Premium travellers, Hilton fans | None | Up to 4.5 points/£ |
Hilton Honors | Budget travellers, Hilton guests | 0.5% | Up to 3 points/£ |
Monzo | App-savvy users | Free up to £200/month | None |
Revolut | Tech-forward travellers | Free up to £1,000/month | Optional tiers |
Tesco Travel Money | Tesco shoppers | Locked-in rates | Clubcard points |
Travelex | Brand trust, simplicity | Free ATM withdrawals | No |
Post Office Card | Multi-currency management | None | No |
Asda Travel Money | Convenience | Competitive | No |
Final Boarding Call
If you’re still using your high street debit card abroad, you're likely missing out on better exchange rates and rewards. From the Tesco Travel Money Card to the Hilton Honors Plus, there’s a travel money card out there to suit your style, spending, and destination.
With low fees, easy in-store top-ups, and reward perks, it’s never been easier to travel smarter and save.
Ready to unlock travel rewards and ditch foreign fees? Don’t miss the Hilton Honors Debit Card offer before it ends on 14 August 2025.
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Hello, I’m Paul a professional jet-setter and all-around plane travel pro. After 15 years working in and around planes, I became a flight delay expert at a London Airport and mastered plane travel hacks, a PLANE flight expert with BIG travel plans but small carry-on.
Now, I share PLANE travel news, tips, reviews, and deals with honesty, humour, and zero baggage! Thanks for reading Best Travel Money Cards in the UK for 2025 Low Fees, Big Rewards & Smooth Travels.
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