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** |
| No transaction fees |
Only for Euro and US Dollar cards where transactions are in that currency |
2.75% Foreign Currency Charge plus interest |
Some establishments (primarily outside of the U.S.) and some banks may charge a fee |
| No Ryanair fees |
Use Multi-Currency Card to avoid Ryanair booking fees |
Only possible using a prepaid MasterCard |
Only possible using a prepaid MasterCard |
| An easy delivery option |
Card delivered to your door within 1-2 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 |
Limited by funds loaded on 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 1.5m ATMs or use at over 28m 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 1.5% |
2.75% Foreign Currency Charge plus interest |
Exchanged for local currency at banks, foreign exchange bureaux and American Express Travel Service locations |
|
|
|
* Information sourced from comparison table.
** Information sourced from www.travelex.co.uk and based on American Express Travellers Cheques. Information correct as of 05.04.10.
(*terms apply, click here for full details)