10 Cards, 10 Questions - Which 🇪🇺 available debit card should be your travel companion?

I compare 10 Cards available in 🇪🇺 by asking 10 Questions - which one should you put in your pocket the next time you travel?

Sign-up Links:
Revolut: https://tested.rogan.ie/RevolutApp
N26: https://tested.rogan.ie/N26App
bunq: https://tested.rogan.ie/bunqApp (You get €10 sign up bonus)
Monese: https://tested.rogan.ie/MoneseApp (We both get €10 sign up bonus)
Curve: https://tested.rogan.ie/Curve / Promo code: VD6ZLJMD (we both get ~€5/£5)
SAS Travel Wallet: https://tested.rogan.ie/SAS
TransferWise: https://tested.rogan.ie/TransferWise
Denizen: https://tested.rogan.ie/Denizen
iCard: https://tested.rogan.ie/iCard
Neat: https://tested.rogan.ie/Neat


Information Sources

bunq

• Country Availability: https://together.bunq.com/d/3633-is-bunq-a-dutch-bank 

• Loading Up: https://together.bunq.com/d/2933-how-do-i-deposit-money-or-transfer-funds-to-my-bunq-account 

• Foreign Exchange: https://together.bunq.com/d/5320-zerofx-push-when-payment-is-settled/5 & https://together.bunq.com/d/6635-what-are-my-daily-limits 

• ATM Withdrawls: https://together.bunq.com/d/3545-will-i-get-charged-a-fee-for-withdrawing-cash-from-an-atm & https://www.bunq.com/assets/media/legal/en/20190110_Fee_Information_Document_bunq_EN.pdf 

• Transfers: https://www.bunq.com/assets/media/legal/en/20190110_Fee_Information_Document_bunq_EN.pdf & https://together.bunq.com/d/543-instant-payments 

• Web Access: https://together.bunq.com/d/5763-bunqdesktop-the-unofficial-free-and-open-source-desktop-application-for-bunq 

• Additional Cards: https://together.bunq.com/d/5862-express-and-worldwide-card-delivery 

Curve

• Country Availability: https://support.imaginecurve.com/hc/en-gb/articles/213342769-Who-can-get-Curve- 

• Foreign Exchange: https://support.imaginecurve.com/hc/en-gb/articles/214124809-What-foreign-exchange-rates-will-I-pay- 

• ATM Withdrawls: https://support.imaginecurve.com/hc/en-gb/articles/213537609-Is-there-a-fee-to-withdraw-cash-abroad- 

• Cards: https://support.imaginecurve.com/hc/en-gb/articles/115001961665-How-do-I-lock-my-card-in-the-app- 

• Insurance: https://www.curve.app/en-gb/comparison & https://www.curve.app/en/terms-insurance-docs 

• Cashback / Offers: https://support.imaginecurve.com/hc/en-gb/articles/360000253725-Which-retailers-can-I-earn-Curve-Cashback-rewards-with- 

• Airport Lounge: https://www.curve.app/en-gb/comparison 

Denizen

• Country Availability: https://denizen.zendesk.com/hc/en-us/articles/115002290689-Countries-where-Denizen-is-available 

• Loading Up: https://denizen.zendesk.com/hc/en-us/articles/115001976950-Funding-Your-Account-Transaction-Limits

• Foreign Exchange: https://denizen.zendesk.com/hc/en-us/articles/360000495050-FX-Rates-Denizen-and-Me & https://denizen.zendesk.com/hc/en-us/articles/115001976950-Funding-Your-Account-Transaction-Limits 

• ATM Withdrawls: https://denizen.zendesk.com/hc/en-us/articles/360000148884-Are-there-any-fees- 

• Cards: https://denizen.zendesk.com/hc/en-us/articles/115002326865-Misplaced-Lost-or-Stolen-Card 

iCard

• Country Availability: https://www.icard.com/en/about-icard 

• Loading Up: https://www.icard.com/en/help/personal-faq#how-can-i-add-money-to-my-icard-balance 

• Foreign Exchange: https://www.icard.com/en/legals/personal-pricing 

• ATM Withdrawls: https://www.icard.com/en/legals/personal-pricing 

• Transfers: https://www.icard.com/en/legals/personal-pricing 

• Cards: https://www.icard.com/en/legals/personal-pricing 

N26

• Country Availability: https://support.n26.com/en-eu/getting-started/account/can-i-open-an-n26-account-in-my-country 

• Loading Up: https://support.n26.com/en-eu/getting-started/cash/how-to-top-up-my-account 

• Foreign Exchange: https://docs.n26.com/legal/06+EU/01+Account/en/13account-pricelist-en.pdf 

• ATM Withdrawls: https://docs.n26.com/legal/06+EU/01+Account/en/13account-pricelist-en.pdf 

• Transfers: https://docs.n26.com/legal/06+EU/01+Account/en/13account-pricelist-en.pdf  & https://transferwise.com/help/article/2340141/euro-transfers/transferwise-and-n26 

• Cards: https://support.n26.com/en-eu/getting-started/cards/how-to-reorder-a-card 

• Insurance: https://n26.com/en-eu/black & https://docs.n26.com/legal/06+EU/06+Black/en/03_3black-allianz-insurance-tncs-Feb18-ie.pdf 

• Cashback / Offers: https://n26.com/en-gb/metal-partner-offerings 

• Airport Lounge: https://n26.com/en-gb/metal 

Neat

• Country Availability: https://www.neat.hk/restricted-countries & http://www.worldometers.info/geography/how-many-countries-are-there-in-the-world/ 

• Loading Up: https://faq.neat.hk/en/support/solutions/folders/35000198878 

• Foreign Exchange: https://www.neat.hk/personal/pricing 

• ATM Withdrawls:https://www.neat.hk/personal/pricing 

• Transfers: https://faq.neat.hk/en/support/solutions/folders/35000198876 

• Cards: https://faq.neat.hk/en/support/solutions/articles/35000044222-i-ve-lost-my-neat-card-what-do-i-need-to-do- 

Monese

• Country Availability: https://monese.com/eu/blog/2017/09/monese-eurozone-accounts 

• Loading Up: https://support.monese.com/hc/en-gb/articles/115005442449-How-can-I-add-money-into-my-Eurozone-account- 

• Foreign Exchange: https://monese.com/terms

• ATM Withdrawls: https://monese.com/eu/pricing & https://monese.com/eu/terms 

• Transfers: https://monese.com/eu/pricing & https://monese.com/eu/terms & https://support.monese.com/hc/en-gb/articles/115003629425-I-made-a-payment-when-will-the-payment-go-through- 

• Card: https://monese.com/eu/blog/2018/08/monese-quick-tip-travel-guide 

Revolut

• General Support: https://www.revolut.com/en-IE/help/exploring-revolut 

• Country Availability: https://www.revolut.com/help/getting-started/verifying-identity/what-countries-are-supported 

• Loading Up: https://www.revolut.com/help/getting-started/topping-up 

• Foreign Exchange: https://www.revolut.com/help/getting-started/exchanging-currencies/what-foreign-exchange-rate-will-i-get 

• ATM Withdrawls: https://www.revolut.com/help/transaction-issues/atm-withdrawals/why-have-i-been-charged-for-cash-withdrawal 

• Cards: https://www.revolut.com/help/card-issues/my-card-has-been-lost-or-stolen 

• Insurance: https://www.revolut.com/en-IE/pay-per-day-overseas-medical-insurance & https://www.revolut.com/en-IE/protect-your-phone-from-ps1-a-week 

• Cashback / Offers: https://www.revolut.com/help/exploring-revolut/changing-my-plan/earning-cashback 

• Airport Lounge: https://blog.revolut.com/travel-in-style-with-lounges/ & https://www.reddit.com/r/Revolut/comments/alrj0w/airport_lounges_have_landed/ 

• Concierge: https://www.revolut.com/help/exploring-revolut/changing-my-plan/using-a-concierge 

Transferwise

• Country Availability: https://transferwise.com/help/article/2833110/borderless-account/why-cant-i-get-a-borderless-account & https://transferwise.com/gb/borderless/pricing 

• Loading Up: https://transferwise.com/help/article/2968240/euro-transfers/types-of-transfers-for-sending-eur 

• Foreign Exchange: https://transferwise.com/gb/borderless/pricing 

• ATM Withdrawls: https://transferwise.com/gb/borderless/pricing 

• Transfers: https://transferwise.com/help/article/1663573/euro-transfers/eur-transfers 

• Cards: https://transferwise.com/help/article/2921895/transferwise-debit-mastercard/what-do-i-do-if-my-transferwise-debit-mastercard-is-lost-or-stolen 

SAS Travel Wallet

• Country Availability: https://www.sastravelwallet.com/wp-content/uploads/2018/11/TW_Terms_Finland_EN.pdf 

• Loading Up: https://sastravelwallet.zendesk.com/hc/en-us/sections/360001983594-Debit-Card-Loads 

• Foreign Exchange: https://www.sastravelwallet.com/wp-content/uploads/2018/08/fees_finland_EN.pdf 

• ATM Withdrawls: https://www.sastravelwallet.com/wp-content/uploads/2018/08/fees_finland_EN.pdf 

General Info

• SEPA Credit Transfer: https://www.europeanpaymentscouncil.eu/what-we-do/sepa-credit-transfer 

• SEPA Instant Credit Transfer: https://www.europeanpaymentscouncil.eu/what-we-do/sepa-instant-credit-transfer 

• Debit Card Payments Flow: http://www.theukcardsassociation.org.uk/getting_started/card-payment-cycle.asp  & http://www.theukcardsassociation.org.uk/terms-of-use/ 

• Alternate instant transfer tool: https://my.wavy-app.com/p/darraghrogan