Guide de voyage
Meilleure néobanque pour voyager en Europe en 2026
Frais de change, limites de retrait gratuit aux distributeurs, assurance voyage, accès aux salons — tout ce dont vous avez besoin pour choisir la bonne carte avant votre prochain voyage.
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✈️ Comptes adaptés aux voyages — ouvrir aujourd'hui
Meilleur taux de change
Wise
Taux moyen du marché, sans majoration, frais transparents à partir de 0,43 %. Idéal pour les conversions importantes.
Avis →
Meilleur distributeur automatique gratuit
Starling Bank
Retraits gratuits et illimités aux distributeurs dans le monde entier. Imbattable pour les destinations où l'on utilise beaucoup d'argent liquide.
Avis →
Meilleure assurance
N26 Go
Assurance Allianz à partir de 9,90 €/mois. Couverture médicale jusqu'à 2 millions d'euros, annulation, bagages, retards.
Avis →
Meilleure assurance polyvalente
Revolut
Transactions en devises gratuites jusqu'à 1 000 €/mois, accès aux salons avec la carte Metal, plus de 120 devises. Idéal pour la plupart des voyageurs.
Avis →Frais de change
Combien chaque banque facture-t-elle lorsque vous dépensez ou convertissez des devises étrangères ?
| Banque | Marge de change | Gratuit Limite/mois | Au-delà de la limite / Remarques |
|---|---|---|---|
| Revolut | Taux interbancaire | €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 | Taux interbancaire | Illimité | Mastercard interbank rate globally on all tiers — no FX markup. 1.7% cash withdrawal fee outside eurozone on Standard. |
| bunq | Taux interbancaire | Illimité | Mastercard rate on card spend globally — no markup. In-app currency conversion incurs a small fee. SWIFT transfers have a €5 flat fee. |
| Wise | Taux interbancaire | Illimité | Always mid-market rate (no markup). Fee is a transparent conversion cost from 0.43%. Cheapest FX globally for most currency pairs. |
| Vivid Money | Taux interbancaire | Illimité | 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% | Illimité | 1.7% foreign transaction fee on non-EUR card payments. Not a competitive travel card — Qonto is optimised for eurozone business use. |
| Trade Republic | Taux interbancaire | Illimité | Mastercard interbank rate globally, no FX markup. Trade Republic's Mastercard debit card is a solid travel card despite the investment-first positioning. |
| Monzo | Taux interbancaire | Illimité | No FX fees on card spend globally (Mastercard interbank rate). A core promise of the Monzo brand from day one. |
| Lunar | Taux interbancaire | Illimité | Visa interbank rate on all international card spend — no FX markup. Focused on Nordic cross-border use (DKK/SEK/NOK). |
| Starling Bank | Taux interbancaire | Illimité | 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 | Taux interbancaire | Illimité | // TODO(verify) — Chime card FX behavior outside US. |
| Varo Money | Taux interbancaire | Illimité | // TODO(verify) |
| SoFi | Taux interbancaire | Illimité | // TODO(verify) |
| Cash App | Taux interbancaire | Illimité | // TODO(verify) — Cash Card FX behavior abroad. |
| Mercury | +1% | Illimité | International wires available; per-wire fee may apply. |
| Nubank | +4% | Illimité | Brazilian IOF (financial operations tax) of 1.1% on intl card use applies + Mastercard FX. // TODO(verify) |
| Mercado Pago | Taux interbancaire | Illimité | FX behavior depends on local entity. // TODO(verify) |
| Banco Inter | Taux interbancaire | Illimité | Inter US (US-dollar account for Brazilian residents) is the international product. // TODO(verify) |
| C6 Bank | +4% | Illimité | C6 Glob (USD account) is the international product — designed for Brazilians sending USD abroad. // TODO(verify) |
| Ualá | +4% | Illimité | Argentine PAIS tax (~30% on cross-border card use) makes FX expensive. |
| Revolut Singapore | Taux interbancaire | Illimité | Multi-currency native — same model as Revolut EU. |
| GoTyme | +1.5% | Illimité | Domestic-first; international travel secondary. // TODO(verify) |
| Tonik | Taux interbancaire | Illimité | Tonik does not support international card use. |
| Kakao Bank | Taux interbancaire | Illimité | International remittance via Kakao Pay is the headline cross-border product. // TODO(verify) |
| Up Bank | Taux interbancaire | Illimité | Strong on FX honesty — no FX markup on overseas card use. |
| Liv. | +1.5% | Illimité | Cross-border functionality via parent ENBD network. // TODO(verify) |
| Mashreq Neo | Taux interbancaire | Illimité | Multi-currency native — AED + USD + GBP + EUR accounts. |
| Kuda | +5% | Illimité | Nigerian FX restrictions apply — official rate vs. parallel rate divergence is real. // TODO(verify) |
| Opay | Taux interbancaire | Illimité | Multi-market mobile-money first; cross-border FX secondary. |
| TymeBank | +2% | Illimité | Domestic-first bank. |
| Wio | Taux interbancaire | Illimité | Multi-currency cards (AED, USD, EUR, GBP). |
| stc Bank | +1.5% | Illimité | Multi-currency wallet (SAR + USD + EUR). |
| Meem | +2% | Illimité | Multi-currency support via parent. |
| ila Bank | +1.5% | Illimité | Multi-currency wallet. |
| Discovery Bank | +1.5% | Illimité | Multi-currency offshore account on premium tiers. |
| Bank Zero | +2% | Illimité | Domestic-first. |
| ALAT by Wema | +3% | Illimité | USD card rationing varies with CBN policy. |
| Ally Bank | +1% | Illimité | USD-only domestic. |
| Discover Bank | Taux interbancaire | Illimité | Discover famously charges no foreign-transaction fee. |
| Marcus by Goldman Sachs | +% | Illimité | Marcus is savings-only — no checking or debit card. |
| Brex | Taux interbancaire | Illimité | 0% FX on Brex corporate card. |
| Bluevine | +2% | Illimité | Domestic business focus. |
| Nequi | +3% | Illimité | COP-primary. |
| Klar | +2% | Illimité | MXN-primary. |
| Stori | +2% | Illimité | MXN-primary. |
| RappiPay | +3% | Illimité | COP-primary. |
| Banco PAN | +3% | Illimité | BRL-primary. |
| Toss Bank | Taux interbancaire | Illimité | Limited international features. |
| Bank Jago | +2% | Illimité | IDR-primary. |
| WeBank | +1% | Illimité | CNY-primary. |
| Trust Bank | +1% | Illimité | Singapore-primary. |
| Maya Bank | +2% | Illimité | PHP-primary. |
| YAP | Taux interbancaire | Illimité | Multi-currency wallet. |
| Zand | Taux interbancaire | Illimité | Multi-currency. |
| Nomo | +1% | Illimité | Cross-border GCC-UK. |
| Now Money | Taux interbancaire | Illimité | Remittance-first product. |
| Carbon | +3% | Illimité | USD card rationing. |
| M-Shwari | +% | Illimité | KES-only. |
| Chipper Cash | +1% | Illimité | Cross-border focus. |
| Mukuru | Taux interbancaire | Illimité | Remittance-specialised. |
Retraits aux distributeurs à l'étranger
Limites et frais de retrait aux distributeurs automatiques hors de votre pays d'origine.
| Banque | Gratuit/mois | Frais en cas de dépassement de la limite / Remarques |
|---|---|---|
| Revolut | €200 | Free ATM limit: €200 Standard, €400 Plus/Premium, €800 Metal, €2,000 Ultra. 2% fee after limit. |
| N26 | Illimité gratuit | 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 | Illimité gratuit | 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 | Illimité gratuit | 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 | Illimité gratuit | 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. |
Assurance voyage et accès aux salons
| Banque | Assurance voyage | Niveau requis | Salon d'aéroport | Points forts de la couverture |
|---|---|---|---|---|
| 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 | — | — | — |
Devises multiples et IBAN locaux
Conservez des devises étrangères avant votre départ et recevez de l'argent comme un habitant local.
| Banque | Devises | Coordonnées bancaires locales | Remarques |
|---|---|---|---|
| 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. |
💡 Conseils de pro pour voyager avec une néobanque
- Évitez les opérations de change le week-end avec Revolut Standard/Plus : un supplément de 1 % s'applique le week-end. Effectuez vos conversions en devise locale avant le vendredi soir avec votre forfait gratuit.
- Utilisez Wise pour les conversions importantes : Wise n'impose aucun plafond mensuel sur les opérations de change. Pour convertir plus de 5 000 € dans une autre devise, les frais de 0,43 % sont plus avantageux que les 0,5 % appliqués par Revolut au-delà du plafond sur le forfait Standard.
- Optez pour N26 Go plutôt que pour Revolut Standard : à 9,90 € par mois, N26 Go inclut une couverture médicale Allianz jusqu'à 2 millions d'euros — plus complète que de souscrire une assurance voyage séparément.
- Ayez toujours une carte de secours sur vous : les comptes des néobanques peuvent être bloqués par des systèmes automatisés de détection de fraude. Emportez une deuxième carte d'un autre prestataire lorsque vous voyagez.
- Prévenez votre néobanque avant de partir : la plupart des néobanques vous permettent de configurer des notifications de voyage dans l'application ; certaines activent la détection automatique de fraude basée sur la localisation.
Foire aux questions
Quelle néobanque européenne propose le meilleur taux de change pour les voyages ?
Wise et Revolut appliquent tous deux le taux de change moyen du marché, sans majoration. Wise facture des frais de conversion transparents à partir de 0,43 %. Revolut est gratuit jusqu'à concurrence de votre plafond mensuel de change (1 000 € pour le forfait Standard) et facture 0,5 % au-delà. Pour les conversions importantes, Wise est souvent moins cher en raison de la majoration appliquée par Revolut le week-end.
Quelle néobanque propose des retraits gratuits aux distributeurs à l'étranger ?
Starling Bank propose des retraits gratuits et illimités aux distributeurs automatiques du monde entier avec son compte personnel — une offre plus généreuse que celle de n'importe quelle autre néobanque. Les comptes N26 Go et Metal offrent également des retraits gratuits et illimités aux distributeurs automatiques du monde entier. Revolut offre entre 200 et 2 000 € de retraits gratuits par mois, selon le niveau d'abonnement.
Y a-t-il des néobanques qui proposent une assurance voyage gratuite ?
Oui. Les formules Revolut Premium (7,99 €/mois) et Metal (14,99 €/mois) comprennent une assurance voyage. Les formules N26 Go (9,90 €/mois) et Metal (16,90 €/mois) comprennent une assurance voyage complète fournie par Allianz. La formule Lunar Plus (~10,60 €/mois) comprend également une assurance voyage internationale.
Quel est le meilleur choix pour voyager : Revolut ou Wise ?
Pour la plupart des voyageurs, Revolut est plus avantageux : conversions gratuites jusqu'à 1 000 € par mois, taux compétitifs, et le forfait Standard gratuit convient à la plupart des voyages. Wise est plus adapté si vous devez conserver des devises étrangères à long terme, effectuer des conversions importantes ou recevoir de l'argent en devises étrangères — son taux moyen du marché, sans plafond mensuel, est plus avantageux dans ces cas de figure.
Puis-je utiliser une carte de néobanque aux distributeurs automatiques partout dans le monde ?
Toutes les grandes néobanques (Revolut, Wise, N26, bunq, Monzo, Starling) émettent des cartes de débit Mastercard ou Visa acceptées dans les distributeurs automatiques du monde entier. La différence réside dans les frais : Starling et N26 Go/Metal sont gratuites partout dans le monde ; Revolut et Wise ont des limites mensuelles gratuites. Évitez Trade Republic et Qonto si vous comptez utiliser fréquemment les distributeurs à l'étranger.