Top Picks for European Residents
Review our curated list of the best digital and traditional banking cards. Compare features, foreign exchange markups, and monthly costs to optimize your personal finances.
Trading 212 Card
Best for TravelKey Characteristics
- Zero FX fees on transactions (watch out for Mastercard mark up)
- 0.5% cashback (€23 max)
- Free ATM withdrawals up to €400/month then 1%
- 0.15% fee when converting funds manually
- Virtual disposable cards available
Monthly Fee
€0.00
Trade Republic Card
Best for CashbacksKey Characteristics
- No additional FX surcharge on foreign-currency withdrawals; Visa’s exchange rate is used
- Saveback is 1% on card spending, that it is tied to saving/investing plan (requires active saving plan)
- ATM withdrawals are free above €100; below €100 there is a €1 fee
- Virtual is free, Classic card typically costs €5 once.
Monthly Fee
€0.00
Revolut Cards
Best for SecurityKey Characteristics
- Debit, Virtual and Credit cards available
- Integrated directly with currencies accounts
- ATM withdrawals in Standard Plan: €200 or 5 withdrawals then 2% or €1
- Fx fees on Standard: 1% over 1000 € (each rolling month) + 1% fee on weekend (17hs Fri-18hs Sun, Eastern Time)
Monthly Fee
€0.00
Detailed Comparison
A side-by-side breakdown of the fees and limits associated with each provider.
| Feature | Trading 212 | Trade Republic | Revolut |
|---|---|---|---|
| Monthly Maintenance | Free | Free | Free |
| Foreign Exchange FX | 0% | 0% | 0% on weekdays up to €1000 (1% weekends) |
| Free ATM Withdrawals | Up to €400 / month | No fee over €100 | €200 or 5 withdrawals |
| Card Replacement Fee | €4 shipping | €5 Classic | €5.99 Standard |
| Apple/Google Pay Support | Yes | Yes | Yes |
| Disposable Virtual Cards | No limit mentioned | Not Available | Up to 20 Disposable |