Guía de viajes
El mejor neobanco para viajar por Europa en 2026
Comisiones por cambio de divisas, límites de retiradas gratuitas en cajeros, seguro de viaje, acceso a salas VIP: todo lo que necesitas para elegir la tarjeta adecuada antes de tu próximo viaje.
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✈️ Cuentas listas para viajar — abre hoy
El mejor tipo de cambio
Wise
Tipo de cambio medio de mercado, sin recargos, comisión transparente a partir del 0,43 %. Ideal para conversiones de grandes cantidades.
Opinión →
El mejor cajero automático gratuito
Starling Bank
Retiradas ilimitadas y gratuitas en cajeros automáticos de todo el mundo. Inigualable para destinos donde se maneja mucho efectivo.
Opinión →
El mejor seguro
N26 Go
Seguro de Allianz desde 9,90 € al mes. Cobertura médica de hasta 2 millones de euros, cancelación, equipaje y retrasos.
Opinión →
El más completo
Revolut
Cambio de divisas gratis hasta 1000 € al mes, acceso a salas VIP con la tarjeta Metal, más de 120 divisas. La mejor para la mayoría de los viajeros.
Opinión →Comisiones por cambio de divisas
¿Cuánto cobra cada banco cuando gastas o conviertes divisas?
| Banco | Margen de cambio | Límite gratuito/mes | Superar el límite / Notas |
|---|---|---|---|
| Revolut | Tipo interbancario | €1,000 | Mid-market rate up to €1,000/month on Standard; limit rises with tier (€3K Plus, €5K Premium, €20K Metal, Unlimited on Ultra). Weekend surcharge applies on Standard/Plus. |
| N26 | Tipo interbancario | Ilimitado | Mastercard interbank rate globally on all tiers — no FX markup. 1.7% cash withdrawal fee outside eurozone on Standard. |
| bunq | Tipo interbancario | Ilimitado | Mastercard rate on card spend globally — no markup. In-app currency conversion incurs a small fee. SWIFT transfers have a €5 flat fee. |
| Wise | Tipo interbancario | Ilimitado | Always mid-market rate (no markup). Fee is a transparent conversion cost from 0.43%. Cheapest FX globally for most currency pairs. |
| Vivid Money | Tipo interbancario | Ilimitado | Mastercard rate on card spend. 1.5% non-EUR transaction fee on Standard; reduced on Prime tier. Better than high-street banks but not as competitive as Revolut/Wise. |
| Qonto | +1.7% | Ilimitado | 1.7% foreign transaction fee on non-EUR card payments. Not a competitive travel card — Qonto is optimised for eurozone business use. |
| Trade Republic | Tipo interbancario | Ilimitado | Mastercard interbank rate globally, no FX markup. Trade Republic's Mastercard debit card is a solid travel card despite the investment-first positioning. |
| Monzo | Tipo interbancario | Ilimitado | No FX fees on card spend globally (Mastercard interbank rate). A core promise of the Monzo brand from day one. |
| Lunar | Tipo interbancario | Ilimitado | Visa interbank rate on all international card spend — no FX markup. Focused on Nordic cross-border use (DKK/SEK/NOK). |
| Starling Bank | Tipo interbancario | Ilimitado | No FX fees on card spend anywhere in the world. One of the original UK 'fee-free abroad' pioneers. Business euro account: 0.4% GBP/EUR conversion fee. |
| Chime | Tipo interbancario | Ilimitado | // TODO(verify) — Chime card FX behavior outside US. |
| Varo Money | Tipo interbancario | Ilimitado | // TODO(verify) |
| SoFi | Tipo interbancario | Ilimitado | // TODO(verify) |
| Cash App | Tipo interbancario | Ilimitado | // TODO(verify) — Cash Card FX behavior abroad. |
| Mercury | +1% | Ilimitado | International wires available; per-wire fee may apply. |
| Nubank | +4% | Ilimitado | Brazilian IOF (financial operations tax) of 1.1% on intl card use applies + Mastercard FX. // TODO(verify) |
| Mercado Pago | Tipo interbancario | Ilimitado | FX behavior depends on local entity. // TODO(verify) |
| Banco Inter | Tipo interbancario | Ilimitado | Inter US (US-dollar account for Brazilian residents) is the international product. // TODO(verify) |
| C6 Bank | +4% | Ilimitado | C6 Glob (USD account) is the international product — designed for Brazilians sending USD abroad. // TODO(verify) |
| Ualá | +4% | Ilimitado | Argentine PAIS tax (~30% on cross-border card use) makes FX expensive. |
| Revolut Singapore | Tipo interbancario | Ilimitado | Multi-currency native — same model as Revolut EU. |
| GoTyme | +1.5% | Ilimitado | Domestic-first; international travel secondary. // TODO(verify) |
| Tonik | Tipo interbancario | Ilimitado | Tonik does not support international card use. |
| Kakao Bank | Tipo interbancario | Ilimitado | International remittance via Kakao Pay is the headline cross-border product. // TODO(verify) |
| Up Bank | Tipo interbancario | Ilimitado | Strong on FX honesty — no FX markup on overseas card use. |
| Liv. | +1.5% | Ilimitado | Cross-border functionality via parent ENBD network. // TODO(verify) |
| Mashreq Neo | Tipo interbancario | Ilimitado | Multi-currency native — AED + USD + GBP + EUR accounts. |
| Kuda | +5% | Ilimitado | Nigerian FX restrictions apply — official rate vs. parallel rate divergence is real. // TODO(verify) |
| Opay | Tipo interbancario | Ilimitado | Multi-market mobile-money first; cross-border FX secondary. |
| TymeBank | +2% | Ilimitado | Domestic-first bank. |
| Wio | Tipo interbancario | Ilimitado | Multi-currency cards (AED, USD, EUR, GBP). |
| stc Bank | +1.5% | Ilimitado | Multi-currency wallet (SAR + USD + EUR). |
| Meem | +2% | Ilimitado | Multi-currency support via parent. |
| ila Bank | +1.5% | Ilimitado | Multi-currency wallet. |
| Discovery Bank | +1.5% | Ilimitado | Multi-currency offshore account on premium tiers. |
| Bank Zero | +2% | Ilimitado | Domestic-first. |
| ALAT by Wema | +3% | Ilimitado | USD card rationing varies with CBN policy. |
| Ally Bank | +1% | Ilimitado | USD-only domestic. |
| Discover Bank | Tipo interbancario | Ilimitado | Discover famously charges no foreign-transaction fee. |
| Marcus by Goldman Sachs | +% | Ilimitado | Marcus is savings-only — no checking or debit card. |
| Brex | Tipo interbancario | Ilimitado | 0% FX on Brex corporate card. |
| Bluevine | +2% | Ilimitado | Domestic business focus. |
| Nequi | +3% | Ilimitado | COP-primary. |
| Klar | +2% | Ilimitado | MXN-primary. |
| Stori | +2% | Ilimitado | MXN-primary. |
| RappiPay | +3% | Ilimitado | COP-primary. |
| Banco PAN | +3% | Ilimitado | BRL-primary. |
| Toss Bank | Tipo interbancario | Ilimitado | Limited international features. |
| Bank Jago | +2% | Ilimitado | IDR-primary. |
| WeBank | +1% | Ilimitado | CNY-primary. |
| Trust Bank | +1% | Ilimitado | Singapore-primary. |
| Maya Bank | +2% | Ilimitado | PHP-primary. |
| YAP | Tipo interbancario | Ilimitado | Multi-currency wallet. |
| Zand | Tipo interbancario | Ilimitado | Multi-currency. |
| Nomo | +1% | Ilimitado | Cross-border GCC-UK. |
| Now Money | Tipo interbancario | Ilimitado | Remittance-first product. |
| Carbon | +3% | Ilimitado | USD card rationing. |
| M-Shwari | +% | Ilimitado | KES-only. |
| Chipper Cash | +1% | Ilimitado | Cross-border focus. |
| Mukuru | Tipo interbancario | Ilimitado | Remittance-specialised. |
Retiros en cajeros automáticos en el extranjero
Límites y comisiones de cajeros automáticos gratuitos para retiradas de efectivo fuera de tu país de residencia.
| Banco | Gratis/mes | Comisión por exceder el límite / Notas |
|---|---|---|
| Revolut | €200 | Free ATM limit: €200 Standard, €400 Plus/Premium, €800 Metal, €2,000 Ultra. 2% fee after limit. |
| N26 | Ilimitado gratis | Standard: 3 free ATM/month in eurozone, 1.7% fee abroad. Smart: 5 free/month. Go: unlimited free globally. Metal: unlimited free globally. |
| bunq | — | ATM withdrawals incur a flat €0.99 fee per withdrawal on all tiers. No free ATM allowance. |
| Wise | €200 | 2 free ATM withdrawals/month up to €200 total. After limit: €1.50 flat + 1.75%. Wise debit card spends in local currency with no markup. |
| Vivid Money | €200 | Standard: €200 free ATM/month, then 2%. Prime: €400 free/month. |
| Qonto | — | ATM withdrawals abroad charged at €2 each. Aimed at business users who rarely need cash abroad. |
| Trade Republic | Ilimitado gratis | Trade Republic debit card can be used for ATM withdrawals. Free ATM usage applies at some networks; check specific country terms. |
| Monzo | €200 | EU launch: up to €200/month free ATM withdrawals abroad, 3% after that. UK Monzo users: free up to £200/month in EEA. |
| Lunar | — | ATM withdrawals abroad: DKK 25 flat fee. Within Nordics: conditions vary by plan. |
| Starling Bank | Ilimitado gratis | Unlimited free ATM withdrawals worldwide on personal account — one of the most generous policies of any neobank. |
| Chime | — | MoneyPass / Visa Plus Alliance free in-network only. |
| Varo Money | — | Allpoint network free in-network domestic only. |
| SoFi | Ilimitado gratis | Free 55K+ Allpoint ATMs domestically. |
| Cash App | — | Free withdrawals up to $300/mo with $300+ direct deposit. |
| Mercury | — | Business-focused — ATM is not the primary use case. |
| Nubank | — | Domestic ATM via 24Horas / Banco24Horas free for Nu Conta. |
| Mercado Pago | — | Mercado Pago is wallet-first; ATM use is secondary. |
| Banco Inter | — | Domestic ATM via Banco24Horas free. |
| C6 Bank | — | Domestic Banco24Horas free. |
| Ualá | — | Domestic AR Banelco / Link networks free. |
| Revolut Singapore | €350 | Free tier limit varies by plan. |
| GoTyme | — | Domestic withdrawals free at partner ATMs. |
| Tonik | — | Domestic-only. |
| Kakao Bank | — | Domestic-first. |
| Up Bank | — | Visa Plus ATM network domestically. |
| Liv. | — | Domestic ENBD ATM network free. |
| Mashreq Neo | — | Mashreq global ATM access. |
| Kuda | — | Domestic Nigeria-Inter-Bank network. |
| Opay | — | Domestic Nigerian mobile-money rails primary. |
| TymeBank | — | Free at Pick n Pay + Boxer in-store withdrawals. |
| Wio | — | Free in-network ATM withdrawals. |
| stc Bank | — | Free at SAMA network ATMs. |
| Meem | — | GIB ATM network access. |
| ila Bank | — | Bank ABC global ATM network. |
| Discovery Bank | — | Discovery Group ATM network. |
| Bank Zero | — | Free at Pick n Pay + supported retailers. |
| ALAT by Wema | — | Wema Bank ATM network. |
| Ally Bank | — | Allpoint network ~75K US ATMs. |
| Discover Bank | — | 60K+ Allpoint+ + MoneyPass. |
| Marcus by Goldman Sachs | — | No card product. |
| Brex | — | Corporate card; not designed for ATM use. |
| Bluevine | — | MoneyPass + Allpoint. |
| Nequi | — | Bancolombia ATM network. |
| Klar | — | Klar ATM network. |
| Stori | — | Stori ATM agreements. |
| RappiPay | — | Davivienda ATM network. |
| Banco PAN | — | PAN ATM agreements. |
| Toss Bank | — | BC card network. |
| Bank Jago | — | Indonesia inter-bank ATM. |
| WeBank | — | UnionPay network. |
| Trust Bank | — | Standard Chartered ATM network. |
| Maya Bank | — | BancNet ATM network. |
| YAP | — | Free at RAK Bank ATMs. |
| Zand | — | Free in-network ATMs. |
| Nomo | — | Boubyan + UK partner ATMs. |
| Now Money | — | Visa Plus network. |
| Carbon | — | Limited international acceptance. |
| M-Shwari | — | M-Pesa agent withdrawals. |
| Chipper Cash | — | Visa Plus network. |
| Mukuru | — | 100K+ Mukuru agents across SADC. |
Seguro de viaje y acceso a salas VIP
| Banco | Seguro de viaje | Nivel requerido | Sala VIP del aeropuerto | Aspectos destacados de la cobertura |
|---|---|---|---|---|
| Revolut | ✓ | Premium | ✓ | Medical expenses (up to €30M) · Trip cancellation · Delayed or lost luggage |
| N26 | ✓ | Go | ✓ | Medical emergencies abroad (up to €2M, Allianz) · Trip cancellation · Delayed/lost luggage |
| bunq | — | — | — | bunq does not include travel insurance on any tier. |
| Wise | — | — | — | Wise does not include travel insurance. |
| Vivid Money | — | — | — | No travel insurance included on any tier. |
| Qonto | — | — | — | No travel insurance. Business-focused product not designed for travel perks. |
| Trade Republic | — | — | — | No travel insurance on any tier. |
| Monzo | ✓ | Monzo Premium | — | Worldwide travel insurance (Premium tier) · Medical expenses · Trip cancellation |
| Lunar | ✓ | Plus | — | Worldwide travel insurance (Plus/Unlimited) · Medical emergencies · Trip cancellation |
| Starling Bank | — | — | — | No travel insurance included. Starling does not offer premium tiers with bundled insurance. |
| Chime | — | — | — | |
| Varo Money | — | — | — | |
| SoFi | — | — | — | |
| Cash App | — | — | — | |
| Mercury | — | — | — | |
| Nubank | — | — | ✓ | |
| Mercado Pago | — | — | — | |
| Banco Inter | — | — | — | |
| C6 Bank | — | — | ✓ | |
| Ualá | — | — | — | |
| Revolut Singapore | ✓ | Premium | ✓ | Medical · Trip cancellation |
| GoTyme | — | — | — | |
| Tonik | — | — | — | |
| Kakao Bank | — | — | — | |
| Up Bank | — | — | — | |
| Liv. | — | — | — | |
| Mashreq Neo | — | — | — | |
| Kuda | — | — | — | |
| Opay | — | — | — | |
| TymeBank | — | — | — | |
| Wio | — | — | — | |
| stc Bank | — | — | — | |
| Meem | — | — | — | |
| ila Bank | — | — | — | |
| Discovery Bank | ✓ | Platinum | ✓ | Trip cancellation · Medical |
| Bank Zero | — | — | — | |
| ALAT by Wema | — | — | — | |
| Ally Bank | — | — | — | |
| Discover Bank | — | — | — | |
| Marcus by Goldman Sachs | — | — | — | |
| Brex | ✓ | — | — | Travel + business |
| Bluevine | — | — | — | |
| Nequi | — | — | — | |
| Klar | — | — | — | |
| Stori | — | — | — | |
| RappiPay | — | — | — | |
| Banco PAN | — | — | — | |
| Toss Bank | — | — | — | |
| Bank Jago | — | — | — | |
| WeBank | — | — | — | |
| Trust Bank | — | — | — | |
| Maya Bank | — | — | — | |
| YAP | — | — | — | |
| Zand | — | — | — | |
| Nomo | — | — | — | |
| Now Money | — | — | — | |
| Carbon | — | — | — | |
| M-Shwari | — | — | — | |
| Chipper Cash | — | — | — | |
| Mukuru | — | — | — |
Varias divisas e IBAN locales
Consigue divisas extranjeras antes de viajar y recibe dinero como un local.
| Banco | Divisas | Datos de la cuenta local | Notas |
|---|---|---|---|
| Revolut | 36+ | EURGBPUSDCHFPLNRON | Hold and exchange 36+ currencies at interbank rates; spend in 120+ currencies via Mastercard |
| N26 | 1 | EUR | Single EUR account; multi-currency spending via Mastercard at interbank rate — no dedicated sub-accounts per currency |
| bunq | 22+ | EURUSDGBPCHFHUFPLN | 22+ currency sub-accounts, each with its own IBAN (Pro/Elite tiers). Hold foreign currencies without conversion until you spend. |
| Wise | 40+ | EURGBPUSDAUDNZDCADSGDHUFRON | Hold 40+ currencies; local bank details in 9 currencies. Ideal for receiving salary or payments in multiple countries. |
| Vivid Money | 15+ | EUR (German, Spanish, or Italian IBAN) | Multi-IBAN Pockets allow up to 15 currency sub-accounts. Unique: choose German, Spanish, or Italian IBAN for your main account. |
| Qonto | 1 | EUR | EUR-only business account; no multi-currency sub-accounts or foreign IBANs. |
| Trade Republic | 1 | EUR | Single EUR account only. No multi-currency accounts or foreign IBANs. |
| Monzo | 1 | EUR (Irish IBAN at EU launch) | EU launch: EUR account with Irish IBAN. No multi-currency sub-accounts at EU launch. UK: GBP only. |
| Lunar | 3+ | DKKSEKNOK | Designed for Nordic multi-currency use across Denmark, Sweden, and Norway. Not a global multi-currency platform. |
| Starling Bank | 2+ | GBPEUR (business add-on, £2/month) | Primarily GBP. Euro Business Account add-on provides a dedicated EUR IBAN for SEPA. No retail multi-currency accounts. |
| Chime | 1 | | USD only. |
| Varo Money | 1 | | USD only. |
| SoFi | 1 | | USD only. |
| Cash App | 1 | | USD only. |
| Mercury | 1 | US | USD only — outbound international wires supported. |
| Nubank | 1 | BRMXCO | Local accounts in BRL / MXN / COP per market. |
| Mercado Pago | 5+ | ARBRMXCLCO | Per-country local accounts via local entities. |
| Banco Inter | 2+ | BRUS | Inter US is a USD account product for Brazilian residents. |
| C6 Bank | 2+ | BRUS | C6 Glob holds USD for outbound payments. |
| Ualá | 3+ | ARMXCO | Per-country wallet products. |
| Revolut Singapore | 30+ | SG | SGD primary; multi-currency wallets across 30+ ccys. |
| GoTyme | 1 | PH | PHP primary. |
| Tonik | 1 | PH | PHP only. |
| Kakao Bank | 1 | KR | KRW primary; international remittance is the FX product. |
| Up Bank | 1 | AU | AUD primary; transparent FX abroad. |
| Liv. | 1 | AE | AED primary. |
| Mashreq Neo | 4+ | AE | AED + USD + GBP + EUR multi-currency. |
| Kuda | 2+ | NGGB | NGN primary; UK Kuda Technologies offers GBP. |
| Opay | 1 | NG | NGN primary; per-country mobile-money expansions. |
| TymeBank | 1 | ZA | ZAR primary. |
| Wio | 4+ | AE | AED + USD + EUR + GBP. |
| stc Bank | 3+ | SA | SAR + USD + EUR. |
| Meem | 3+ | SA | SAR + USD + GBP. |
| ila Bank | 4+ | BH | BHD + USD + GBP + EUR. |
| Discovery Bank | 5+ | ZA | ZAR + USD + GBP + EUR + AUD on premium tiers. |
| Bank Zero | 1 | ZA | ZAR primary. |
| ALAT by Wema | 2+ | NG | NGN + limited USD. |
| Ally Bank | 1 | US | USD primary. |
| Discover Bank | 1 | US | USD primary. |
| Marcus by Goldman Sachs | 1 | US | USD only. |
| Brex | 5+ | US | USD primary; multi-currency virtual cards. |
| Bluevine | 1 | US | USD. |
| Nequi | 1 | CO | COP primary. |
| Klar | 1 | MX | MXN primary. |
| Stori | 1 | MX | MXN primary. |
| RappiPay | 1 | CO | COP primary. |
| Banco PAN | 1 | BR | BRL primary. |
| Toss Bank | 1 | KR | KRW primary. |
| Bank Jago | 1 | ID | IDR primary. |
| WeBank | 1 | CN | CNY primary. |
| Trust Bank | 1 | SG | SGD primary. |
| Maya Bank | 1 | PH | PHP primary. |
| YAP | 4+ | AE | AED + USD + EUR + GBP. |
| Zand | 4+ | AE | AED + USD + EUR + GBP. |
| Nomo | 5+ | GBKW | GBP + KWD + USD + EUR + AED. |
| Now Money | 2+ | AE | AED + outbound to home-country currency. |
| Carbon | 1 | NG | NGN primary. |
| M-Shwari | 1 | KE | KES primary. |
| Chipper Cash | 9+ | NGKEUGGHZARWTZ | Multi-currency African corridors + USD/GBP. |
| Mukuru | 5+ | ZA | ZAR + ZWL + USD + GBP + corridor currencies. |
💡 Consejos profesionales para viajar con un neobanco
- Evita el cambio de divisas durante el fin de semana con Revolut Standard/Plus: se aplica un recargo del 1 % durante el fin de semana. Cambia a la moneda local antes del viernes por la noche con tu plan gratuito.
- Utiliza Wise para conversiones de gran cuantía: Wise no tiene límite mensual de cambio de divisas. Para convertir más de 5000 € a otra moneda, la comisión del 0,43 % es más ventajosa que el 0,5 % que aplica Revolut en su plan Standard una vez superado el límite.
- N26 Go para el seguro, no Revolut Standard: Por 9,90 € al mes, N26 Go incluye cobertura médica de Allianz de hasta 2 millones de euros, más completa que contratar un seguro de viaje por separado.
- Lleva siempre una tarjeta de repuesto: las cuentas de los neobancos pueden ser bloqueadas por los sistemas automáticos de detección de fraude. Lleva una segunda tarjeta de otro proveedor cuando viajes.
- Notifica a tu neobanco antes de viajar: la mayoría de los neobancos te permiten configurar notificaciones de viaje en la aplicación; algunos activan la detección automática de fraude basada en la ubicación.
Preguntas frecuentes
¿Qué neobanco de la UE ofrece el mejor tipo de cambio para viajes?
Tanto Wise como Revolut utilizan el tipo de cambio de mercado medio sin recargo. Wise aplica una comisión de conversión transparente a partir del 0,43 %. Revolut es gratuito hasta el límite mensual de divisas (1000 € en el plan Standard) y aplica una comisión del 0,5 % a partir de ahí. Para conversiones de grandes cantidades, Wise suele resultar más económico debido al recargo de fin de semana que aplica Revolut.
¿Qué neobanco ofrece retiradas de efectivo gratuitas en cajeros automáticos en el extranjero?
Starling Bank ofrece retiradas gratuitas e ilimitadas en cajeros automáticos de todo el mundo con su cuenta personal, la política más generosa de todos los neobancos. N26 Go y Metal ofrecen retiradas gratuitas e ilimitadas en cajeros automáticos de todo el mundo. Revolut ofrece entre 200 y 2000 € gratis al mes, dependiendo del nivel de cuenta.
¿Hay algún neobanco que incluya un seguro de viaje gratuito?
Sí. Revolut Premium (7,99 € al mes) y Metal (14,99 € al mes) incluyen un seguro de viaje. N26 Go (9,90 € al mes) y Metal (16,90 € al mes) incluyen un seguro de viaje completo de Allianz. Lunar Plus (aprox. 10,60 € al mes) también incluye un seguro de viaje para todo el mundo.
¿Qué es mejor para viajar, Revolut o Wise?
Para la mayoría de los viajeros, Revolut es la mejor opción: cambio de divisas gratuito hasta 1000 € al mes, tipos de cambio competitivos y el plan Standard gratuito, que resulta adecuado para la mayoría de los viajes. Wise es mejor si necesitas mantener divisas extranjeras a largo plazo, realizar conversiones de grandes cantidades o recibir dinero en divisas extranjeras: su tipo de cambio de mercado medio, sin límite mensual, es más ventajoso para esos casos.
¿Puedo usar una tarjeta de neobanco en cajeros automáticos de todo el mundo?
Todos los principales neobancos (Revolut, Wise, N26, bunq, Monzo, Starling) emiten tarjetas de débito Mastercard o Visa que se aceptan en cajeros automáticos de todo el mundo. La diferencia radica en las comisiones: Starling y N26 Go/Metal son gratuitas en todo el mundo; Revolut y Wise tienen límites mensuales gratuitos. Evita Trade Republic y Qonto si vas a utilizar mucho los cajeros automáticos en el extranjero.