Cash withdrawal machineI came across this list of cheap and fee-free ATM withdrawals while in Kosovo and trying to find the few banks that don’t charge a local withdrawal fee:

You can contribute to the list by signing up to this Revolut forum: The ultimative free ATM withdrawal list for travelling (by country).

Paired with a fee-free credit card you can save a lot of money on your next holiday and avoid having to withdraw a lot of money at once.

In the UK, you can apply for a Clarity Mastercard from Halifax and you’ll only pay interest on the cash you withdraw internationally. There are no withdrawal fees to pay. This works out to be a small fee for the total amount you withraw, regardless of the amount of times you withdraw money. You could technically pay off the money in advance to avoid paying interest too, but paying into your Mastercard so it has a positive balance contravenes the term of use of the card and can be tricky to manage when you automatically pay off the balance each month, as you may end up having this aromatic payment made as well.

You could also apply for a Revolut card and transfer money from your everyday account into it, then convert it into local currency to withdraw in whichever country you are visiting. You can also do this in advance if you see a good exchange rate before you travel. You can apply for an account with a travel card using the Revolut app.

Transferwise is another option, although the transfers take a bit longer than Revolut, so you’ll need to be more organised. You can also receive a card attached to your Transferwise account. You can receive your first transfer free if you use my Transferwise signup referral link.

The transfer fees with Transferwise are similar to Revolut. Depending on how you use them you might save some money using one or the other. I have signed up with both, so they are ready to use when I need them. Both options support both personal and business accounts, depending on which region you live in.

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