What is accounting software integration: Purposes and benefits
Accounting software integration allows businesses to connect their financial tools with other operational systems for…
With rising FX rates, hidden transaction fees, and security concerns, choosing the right travel card can make a significant difference. The best business travel cards offer low fees, transparent pricing, and robust fraud protection, while enabling users to pay in multiple currencies. We compare 5 providers to find the best debit card to use abroad.
Best debit card to use abroad: What to look for?
When selecting a business debit card for international travel, you should consider the following factors:
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- Multiple currencies: Opt for cards that support multiple currencies to avoid conversion hassles.
- FX fees: Choose cards with low or no foreign exchange fees to save on costly conversions.
- Processing fees: Be aware of additional processing fees some providers charge on foreign currency payments.
- ATM fees: Look for cards with minimal or no ATM withdrawal fees abroad.
- Security: Ensure strong fraud protection, including real-time alerts and zero liability policies.
- Network: Make sure your card is widely accepted on global networks like VISA or Mastercard for broad accessibility.
Top 5 best business travel cards
To find the best company travel card in 2025, we compare amnis, PayPal, Revolut, Wise and Skrill.
| amnis | PayPal | Revolut | Wise | Skrill | |
|---|---|---|---|---|---|
| Target group | – SMEs – Corporations | – Freelancers – SMEs | – Individuals – Freelancers – SMEs – Corporations | – Individuals – Freelancers – SMEs – Corporations | – Individuals – Freelancers |
| Features | – Up to 1,250 virtual & 250 physical cards – Multi-currency settlement at 0% fees – Settle card transactions in the merchant’s or your currency | – Limited physical cards – Currency settlement only in home currency | – Virtual & physical cards – Settle card transactions in the merchant’s or your currency | – Physical cards – Settle card transactions in the merchant’s or your currency | – Virtual & physical cards – No multi-currency feature |
| Multi-currency account | 20+ currencies | 25 currencies | 25+ currencies | 40+ currencies | No |
| FX Fees | 0% | Charged by Mastercard | 0.6% fee above fair usage allowance | Mid-market rate | 0% |
| Processing fees | None | Up to 2.5% of the purchase amount (depending on merchant’s location) | N/A | Dependent on currency | $10 annual fee Fees might be applied by third parties |
| ATM fees | – 2% ATM fee outside free monthly number of withdrawals – Up to 3 free monthly withdrawals per card | $2.50 | 2% ATM fee | – Up to $1.5 + 2% – 2 free monthly withdrawals | $2.50 ATM fee |
amnis
amnis provides a modern financial ecosystem that simplifies international payments and spending for businesses. Companies can hold and manage over 20 currencies and choose whether multi-currency debit card transactions are settled in the merchant’s currency or their home currency — without FX markups or additional processing fees.
Both virtual and physical debit cards are available, with virtual cards ready for immediate use. Businesses retain full control through clear role separation between administrators and users, while security features such as country blocking, spending limits, and function controls can be managed easily from a single dashboard.
In addition, amnis offers a cashback feature that allows companies to earn interest on selected foreign currency balances.
PayPal
PayPal offers a business travel card with up to 3% cashback linked directly to the user’s PayPal account. While the platform supports payments in over 25 currencies, all transactions are settled in the account’s primary (home) currency. Currency conversion is handled by Mastercard, but PayPal applies additional processing fees of up to 2.5% on top of the exchange rate, even if the transaction does not require a currency conversion.
Physical cards are limited, which makes PayPal unsuitable for SMEs or larger companies in need of multiple cards for the entire staff. As a result, the PayPal business card is primarily suited to freelancers or businesses in regions with limited access to alternative providers.
Revolut
Revolut offers a flexible solution for individuals, freelancers, and SMEs, with both virtual and physical cards available. Users can hold over 25 currencies and choose to settle transactions either in the merchant’s or their own currency. FX is free within a fair usage limit; above that, a 0.6% fee applies.
There are no additional processing fees, however, ATM withdrawals are subject to a 2% fee after a monthly free allowance. With useful budgeting tools and real-time spending analytics, Revolut is a good choice for those needing control and flexibility abroad.
Wise
The Wise business card supports over 40 currencies using the real mid-market exchange rate. Further, users can choose the currency in which transactions are settled, which reduces unnecessary conversion fees.
FX fees depend on the currency but remain competitive. For ATM use, Wise offers two free withdrawals per month, then charges up to $1.50 + 2%. On top of that, Wise offers 0.5% cash back on purchases.
Skrill
Skrill offers virtual and physical prepaid cards tailored to individuals and freelancers. Notably, Skrill does not support multi-currency accounts; all transactions are processed in the account’s primary currency. Users can, however, add secondary currency balances via the ‘Exchange’ feature to mitigate conversion fees.
The card incurs a $10 annual fee, as well as an ATM withdrawal fee of $2.50. While the card offers global usability, its fee structure and currency limitations may make it less appealing for frequent international travellers.
The debit card is the standout feature that adds an extra layer of convenience when organising and managing travel.
Oscar Haartman
Founder and Owner, Luxury-safari.travel
amnis: The best debit card to use abroad
amnis offers a comprehensive financial ecosystem that enables international money transfer at local costs while providing businesses with a powerful set of modern finance tools. Companies benefit from both physical debit cards and virtual debit cards, giving teams flexibility for business travel, online payments, and subscriptions.
With the amnis API, businesses can integrate financial workflows directly into their own systems, while smart expense management features help reduce errors and significantly simplify accounting processes. Receipts can be effortlessly attached to transactions by uploading images directly from a mobile device, ensuring clean and accurate bookkeeping. amnis also connects with a range of accounting and business tools such as bexio, and supports Apple Pay and Google Pay for convenient mobile and contactless payments.
Multi-currency debit cards are available with 0% fees, allowing transactions in foreign currencies without hidden FX costs. In addition, companies can earn cashback interest on selected foreign currency balances and manage currency risk through hedging with forward contracts. All finances can be controlled through a 24/7 self-service platform, offering full transparency and control at any time.
Experience the advantages of amnis and equip your team with a debit card designed for international business travel.
