How we calculated the total charges for each provider

 

High Street banks

The published FX charges from these high street banks for a standard current account have been used to calculate the total FX charge. In addition to these charges, we have included the card scheme premium above the interbank rate. To quantify this premium, we've taken a basket of 8 currencies (EUR, USD, ZAR, AUD, THB, CHF, NZD, JPY) and calculated the difference between the daily card scheme benchmark rate and the average interbank rate (where we define average as the mean of the high and low rates for the day). In Q3 2024, the average card scheme premium equated to 0.55%.

Barclays
HSBC
Lloyds
RBS
TSB
Santander

 

Challenger banks and Travel Money Products

Published FX charges and rates have been used to establish the total FX charges. For full details FX charges for each product and a detailed comparison with Currensea, please follow the links below:

Starling Bank
Monzo
Revolut
Curve
Caxton
FairFX
Travelex
Post Office

Trustpilot

Giving back to reduce the environmental impact of travel

600,000 trees planted
Over 600,000 trees planted

Our customers have planted over 600,000³ trees by choosing to contribute a small portion of their bank fee savings to Eden Reforestation Projects.

24 million plastic bottles
Over 24 million plastic bottles recovered

By opting to donate some of their bank fee savings to Plastic Bank, our customers have recovered over 24 million ocean bound plastic bottles³.

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