About us | Currensea

How it started

James Lynn and Craig Goulding - co-founders

In 2017 two ex-investment bankers were fed up with excessive charges from their banks after their family summer holidays. They'd tried pre-pay cards and secondary bank accounts, but the faff of endless topping up, remembering separate balances, and the inevitable card declines meant these options were gathering dust in a draw.

They both knew there had to be a better way, so they developed a multi-currency debit card that connects straight to an existing bank account but eliminates the banks' charges abroad.

And so the concept of Currensea was born…

What our partners say about us

“Mastercard recognises the excellent value that the Currensea proposition can bring to the UK marketplace, and will be offering a full range of support”

Kelly Devine, Division President, UK & Ireland

"The Currensea proposition is potentially a real game changer in retail banking. The simplicity of the solution for the user is perhaps its strongest feature whilst at the same time bringing genuine transparency of pricing".

Jon Bowring, Head of Professional & Financial Services Santander Corporate & Commercial Banking

“The team at Currensea have delivered a revolutionary programme that delivers a cost-efficient and sustainable structure through direct integration with the Open Banking framework."

Neil Harris, Group Chief Commercial Officer, Global Processing Service

Our environmental commitment

To us sustainability is part of running a responsible business and we are working to ensure that we operate in an ethical, transparent and responsible way. Whether that be by making small changes in the office, our supply chain, or by working with charitable organisations - you know that you’re working with a company that cares.

We are carbon neutral

We’ve been awarded our 2023/2024 certificate by Carbon Neutral Britain, officially confirming we're doing our part in offsetting more than we produce through our partnership with Eden Reforestation Projects . Eden work with charities and organisations globally, to offset our carbon footprint by planting trees, supporting local communities in reducing their reliance on fossil fuels, and creating more renewable energy sources.

Increasing our cards lifespan

By extending the lifespan of our travel debit cards from 3 to 5 years we are reducing our plastic waste and our carbon requirements in producing and delivering our cards, resulting in an overall reduction of our footprint.

Removing more than we produce

We know our travel debit card contains plastic, and are working on different solutions to reduce this. In the meantime, we're focussed on reducing the impact of our cards. We have committed to removing 2.5 times the plastic we produce every year. We do this by supporting Plastic Bank who recover and recycle ocean bound plastic.

Proud winners of the following awards

Best currency travel card

2023

Best open finance innovation

2022

Best international payments, remittance or use of FX

2021

Best initiative in Open Banking

2021

Open Banking product or service of the year

2021

Open Banking initiative of the year

2020

PayTech of the future

2020

Best Open Banking Initiative

2020

Most impactful project, API / Open Banking

2020

What do the experts say?

“Currensea allows you to spend in all 180 currencies without charges”

“The beauty is, you don't have to worry about pre-loading before you set off”

“I am hooked on my Currensea card whenever I go away on holiday.” – Martyn James

“The Sun’s Travel Editor recommends Currensea" - Lisa Minot

Choose your plan

Essential

Great rates when spending abroad for the occasional traveller

Competitive 0.5% FX rate
Fee-free withdrawals up to £500/month, then 2% rate applies
Advanced security - spend notifications, set spend limits & freeze card
Spend in all 180 currencies

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Premium

0% FX rate with exclusive benefits, perfect for regular travellers

Market leading 0% FX rate
Fee-free withdrawals up to £500/month, then 1% rate applies
Exclusive car hire benefits with Avis & Hertz
Preferred Hotels & Resorts perks
Exclusive offers for Premium cardholders

£25/ year

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Elite

0% FX rates with luxury benefits for frequent jet-setters

Market leading 0% FX rate
Fee-free withdrawals up to £750/month, then 1% rate applies
Luxury Hotels and Resorts perks
Preferred Hotels & Resorts - enjoy 4 nights for the price of 3
Exclusive membership to Avis President's club and Hertz's President's Circle
24/7 travel concierge giving you access to top restaurants, events and experiences
Airport lounge access with Lounge Key™
Exclusive offers for Elite cardholders

£120 / year

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excellent 4.9 out of 5

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About Currensea

Should we really be charged to spend abroad or have to jump through hoops to avoid fees? Currensea was created to solve that problem simply and transparently.

About Currensea

Should we really be charged to spend abroad or have to jump through hoops to avoid fees? Currensea was created to solve that problem simply and transparently.

Rated 4.9 out of 5 by over 12,000 happy reviewers

How it started

What is Currensea?

What our partners say about us