The below table compares different forms of travel money. Exchanging currency at the airport, buying travellers cheques or using your bank debit or credit card are all common ways to spend or take money abroad, so have a look below to see what each of them offers in terms of convenience, value and safety.
I want to have... | my Travel Cash cards |
NatWest Credit Card* |
Travelex American Express Traveller’s Cheques** |
1% Cashback | 1% unlimited cashback on everything you buy with your card |
N/A |
N/A |
No ATM fees abroad*** | No ATM fees charged by us when you withdraw cash abroad |
2.75% Foreign Currency Charge plus cash advance fee plus interest if not paid off in full |
N/A |
No transaction fees | Only for Euro and US Dollar cards where transactions are in that currency |
2.75% Foreign Currency Charge plus interest if not paid off in full |
Some establishments (primarily outside of the U.S.) and some banks may charge a fee |
An easy delivery option | Card delivered to your door within 1-3 working days (terms apply) |
Take it with you when you travel |
Pick up from a specified location or sent free if you order more than £500 |
Budgeting | Spend only what you load on to the card |
Limited by amount of available credit |
Limited by the value of Travellers Cheques purchased |
A safe way to access my money | Chip & PIN secure plus Lost & Stolen service |
Chip & PIN secure plus Lost & Stolen service |
Signature required plus Lost & Stolen service |
Convenience | Withdraw cash at over 1.9m ATMs or use at over 35m merchants |
Withdraw cash at ATMs or use at merchants |
Can be used in many locations around the world or exchanged for local currency |
Use in multiple currencies | Multi-Currency Card transaction fee is 2.99% |
2.75% Foreign Currency Charge plus interest |
Exchanged for local currency at banks, foreign exchange bureaux and American Express Travel Service locations |
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* Information sourced from comparison table on www.natwest.com.
** Information sourced from www.travelex.co.uk and based on American Express Travellers Cheques.
Information correct as of
***Some ATM providers may apply additional surcharges. Withdrawing GB Pounds using the Multi-Currency Card incurs a 2.99% fee.
(iterms apply, click here for full details)