Путеводитель
Лучший необанк для путешествий по Европе в 2026 году
Комиссии за обмен валюты, лимиты бесплатных снятий в банкоматах, туристическая страховка, доступ в залы ожидания — все, что нужно для выбора подходящей карты перед следующим путешествием.
Партнёрское раскрытие: Эта страница содержит партнёрские ссылки, отмеченные ↗. Если вы откроете счёт по одной из этих ссылок, мы можем получить комиссию без дополнительных затрат для вас. Наши рейтинги и обзоры редакционно независимы — партнёрские отношения не влияют на них. Читать нашу методологию →
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✈️ Счета для путешествий — откройте сегодня
Лучший курс обмена валюты
Wise
Среднерыночный курс, без наценки, прозрачная комиссия от 0,43%. Лучший вариант для крупных конвертаций.
Обзор →
Лучший бесплатный банкомат
Starling Bank
Неограниченное количество бесплатных снятий наличных в банкоматах по всему миру. Не имеет себе равных для направлений, где часто требуются наличные.
Обзор →
Лучшая страховка
N26 Go
Страхование Allianz от 9,90 € в месяц. Медицинская помощь до 2 млн евро, отмена поездки, багаж, задержки.
Обзор →
Лучший универсальный вариант
Revolut
Бесплатные операции с иностранной валютой до 1 тыс. евро в месяц, доступ в залы ожидания для владельцев Metal, более 120 валют. Лучший вариант для большинства путешественников.
Обзор →Комиссии за обмен валюты
Сколько взимает каждый банк при расходах или конвертации иностранной валюты?
| Банк | Наценка на обмен валюты | Бесплатно Лимит/мес | Превышение лимита / Примечания |
|---|---|---|---|
| Revolut | Межбанковский курс | €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 | Межбанковский курс | Без ограничений | Mastercard interbank rate globally on all tiers — no FX markup. 1.7% cash withdrawal fee outside eurozone on Standard. |
| bunq | Межбанковский курс | Без ограничений | Mastercard rate on card spend globally — no markup. In-app currency conversion incurs a small fee. SWIFT transfers have a €5 flat fee. |
| Wise | Межбанковский курс | Без ограничений | Always mid-market rate (no markup). Fee is a transparent conversion cost from 0.43%. Cheapest FX globally for most currency pairs. |
| Vivid Money | Межбанковский курс | Без ограничений | 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% | Без ограничений | 1.7% foreign transaction fee on non-EUR card payments. Not a competitive travel card — Qonto is optimised for eurozone business use. |
| Trade Republic | Межбанковский курс | Без ограничений | Mastercard interbank rate globally, no FX markup. Trade Republic's Mastercard debit card is a solid travel card despite the investment-first positioning. |
| Monzo | Межбанковский курс | Без ограничений | No FX fees on card spend globally (Mastercard interbank rate). A core promise of the Monzo brand from day one. |
| Lunar | Межбанковский курс | Без ограничений | Visa interbank rate on all international card spend — no FX markup. Focused on Nordic cross-border use (DKK/SEK/NOK). |
| Starling Bank | Межбанковский курс | Без ограничений | 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 | Межбанковский курс | Без ограничений | // TODO(verify) — Chime card FX behavior outside US. |
| Varo Money | Межбанковский курс | Без ограничений | // TODO(verify) |
| SoFi | Межбанковский курс | Без ограничений | // TODO(verify) |
| Cash App | Межбанковский курс | Без ограничений | // TODO(verify) — Cash Card FX behavior abroad. |
| Mercury | +1% | Без ограничений | International wires available; per-wire fee may apply. |
| Nubank | +4% | Без ограничений | Brazilian IOF (financial operations tax) of 1.1% on intl card use applies + Mastercard FX. // TODO(verify) |
| Mercado Pago | Межбанковский курс | Без ограничений | FX behavior depends on local entity. // TODO(verify) |
| Banco Inter | Межбанковский курс | Без ограничений | Inter US (US-dollar account for Brazilian residents) is the international product. // TODO(verify) |
| C6 Bank | +4% | Без ограничений | C6 Glob (USD account) is the international product — designed for Brazilians sending USD abroad. // TODO(verify) |
| Ualá | +4% | Без ограничений | Argentine PAIS tax (~30% on cross-border card use) makes FX expensive. |
| Revolut Singapore | Межбанковский курс | Без ограничений | Multi-currency native — same model as Revolut EU. |
| GoTyme | +1.5% | Без ограничений | Domestic-first; international travel secondary. // TODO(verify) |
| Tonik | Межбанковский курс | Без ограничений | Tonik does not support international card use. |
| K Bank | Межбанковский курс | Без ограничений | Cross-border remittance via Wirebarley partnership covers Vietnam, Philippines, Indonesia and other ASEAN corridors. // TODO(verify) |
| Kakao Bank | Межбанковский курс | Без ограничений | International remittance via Kakao Pay is the headline cross-border product. // TODO(verify) |
| Rakuten Bank | Межбанковский курс | Без ограничений | International remittance is the cross-border product; foreign-currency deposit surface is narrower than Sony Bank. // TODO(verify) |
| Up Bank | Межбанковский курс | Без ограничений | Strong on FX honesty — no FX markup on overseas card use. |
| Liv. | +1.5% | Без ограничений | Cross-border functionality via parent ENBD network. // TODO(verify) |
| Mashreq Neo | Межбанковский курс | Без ограничений | Multi-currency native — AED + USD + GBP + EUR accounts. |
| Kuda | +5% | Без ограничений | Nigerian FX restrictions apply — official rate vs. parallel rate divergence is real. // TODO(verify) |
| Opay | Межбанковский курс | Без ограничений | Multi-market mobile-money first; cross-border FX secondary. |
| TymeBank | +2% | Без ограничений | Domestic-first bank. |
| Wio | Межбанковский курс | Без ограничений | Multi-currency cards (AED, USD, EUR, GBP). |
| stc Bank | +1.5% | Без ограничений | Multi-currency wallet (SAR + USD + EUR). |
| Meem | +2% | Без ограничений | Multi-currency support via parent. |
| ila Bank | +1.5% | Без ограничений | BHD-led with multi-currency support via the BBK parent's FX rails. |
| Discovery Bank | +1.5% | Без ограничений | Multi-currency offshore account on premium tiers. |
| Bank Zero | +2% | Без ограничений | Domestic-first. |
| ALAT by Wema | +3% | Без ограничений | USD card rationing varies with CBN policy. |
| Ally Bank | +1% | Без ограничений | USD-only domestic. |
| Discover Bank | Межбанковский курс | Без ограничений | Discover famously charges no foreign-transaction fee. |
| Marcus by Goldman Sachs | +% | Без ограничений | Marcus is savings-only — no checking or debit card. |
| Brex | Межбанковский курс | Без ограничений | 0% FX on Brex corporate card. |
| Bluevine | +2% | Без ограничений | Domestic business focus. |
| Ramp | Межбанковский курс | Без ограничений | Card-FX competitive; no consumer travel features. |
| Rho | Межбанковский курс | Без ограничений | Card-FX competitive; no consumer travel features. |
| Tide | Межбанковский курс | Без ограничений | International transfers are powered by Wise integration on most tiers; Tide Pro adds reduced international-wire fees. |
| Finom | +0.7% | Без ограничений | FX competitive vs. consumer cards; SEPA and SEPA Instant are free at most tiers. Business card; not optimised for consumer travel use. |
| Aspire | +0.3% | Без ограничений | FX is structurally Aspire's strongest feature — multi-currency operating accounts plus transparent fee on conversion. Native multi-currency — designed for cross-border SaaS / e-commerce flows. |
| Airwallex | +0.4% | Без ограничений | FX is structurally Airwallex's strongest feature — volume pricing approaches mid-market rate at scale; native multi-currency competitive on cross-border flows. |
| Nubank PJ | +1.1% | Без ограничений | BRL-only operating account; international card spending incurs IOF + FX. Brazilian-resident product; international payments and FX competitive only for domestic-focused operations. |
| Mercado Pago Empresas | +2.5% | Без ограничений | LATAM-focused product; local-currency operating accounts; international flows / features limited. |
| Lili | Межбанковский курс | Без ограничений | No FX fee on Visa debit purchases — USD-only product otherwise. |
| Found | +1% | Без ограничений | USD-only; international wires not supported. |
| Novo | Межбанковский курс | Без ограничений | International wires routed via Wise integration; Novo does not natively send wires in non-USD currencies. |
| Relay | Межбанковский курс | Без ограничений | International outgoing wires $5 (local-rail) / $25 (SWIFT). Incoming wires free. |
| Nequi | +3% | Без ограничений | COP-primary. |
| Klar | +2% | Без ограничений | MXN-primary. |
| Stori | +2% | Без ограничений | MXN-primary. |
| RappiPay | +3% | Без ограничений | COP-primary. |
| Banco PAN | +3% | Без ограничений | BRL-primary. |
| Toss Bank | Межбанковский курс | Без ограничений | Limited international features. |
| Bank Jago | +2% | Без ограничений | IDR-primary. |
| WeBank | +1% | Без ограничений | CNY-primary. |
| Trust Bank | +1% | Без ограничений | Singapore-primary. |
| Maya Bank | +2% | Без ограничений | PHP-primary. |
| YAP | Межбанковский курс | Без ограничений | Multi-currency wallet. |
| Zand | Межбанковский курс | Без ограничений | Multi-currency. |
| Nomo | +1% | Без ограничений | Cross-border GCC-UK. |
| Now Money | Межбанковский курс | Без ограничений | Remittance-first product. |
| Carbon | +3% | Без ограничений | USD card rationing. |
| M-Shwari | +% | Без ограничений | KES-only. |
| Chipper Cash | +1% | Без ограничений | Cross-border focus. |
| Mukuru | Межбанковский курс | Без ограничений | Remittance-specialised. |
| Sony Bank | +0.15% | Без ограничений | Sony Bank publishes a per-currency spread table — typically among the tightest retail spreads in Japan for USD / EUR / AUD. |
| Statrys | +0.5% | Без ограничений | Multi-currency native for cross-Asia flows |
| Memo Bank | +0.5% | Без ограничений | SME-tier FX; not a consumer travel product. |
| Anna | Межбанковский курс | Без ограничений | Business card; not a consumer travel product. |
| Holvi | +1% | Без ограничений | EUR-primary; international payments via SEPA + SWIFT. |
| Penta | +1% | Без ограничений | EUR-primary. |
| Grasshopper | Межбанковский курс | Без ограничений | USD-primary. |
| BHub | +1.5% | Без ограничений | BRL-only. |
| AngelList Stack | +% | Без ограничений | USD-only; not optimised for international ops. |
| Cora | +1.5% | Без ограничений | BRL-only. |
| Conta Azul | +% | Без ограничений | BRL-only. |
| Tiger BBP | +0.5% | Без ограничений | Multi-currency native. |
Снятие наличных в банкоматах за рубежом
Бесплатные лимиты и комиссии за снятие наличных в банкоматах за пределами вашей страны.
| Банк | Бесплатно/месяц | Комиссия за превышение лимита / Примечания |
|---|---|---|
| Revolut | €200 | Free ATM limit: €200 Standard, €400 Plus/Premium, €800 Metal, €2,000 Ultra. 2% fee after limit. |
| N26 | Безлимитно бесплатно | 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 | Безлимитно бесплатно | 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 | Безлимитно бесплатно | 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 | Безлимитно бесплатно | 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. |
| K Bank | — | Domestic-first. |
| Kakao Bank | — | Domestic-first. |
| Rakuten 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 | — | BBK / GCCNet ATM network access in Bahrain. |
| 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. |
| Ramp | — | Not applicable; Ramp Card is charge-only. |
| Rho | — | Not applicable; Rho Corporate Card is charge-only. |
| Tide | Безлимитно бесплатно | Business card, not a consumer travel card — primarily a UK SMB product. |
| Finom | Безлимитно бесплатно | Business product; ATM access is functional, not consumer-grade. |
| Aspire | — | Multi-currency operating account; ATM access varies by card type and tier. |
| Airwallex | — | Multi-currency business card; ATM use incidental. |
| Nubank PJ | — | Domestic-focused product; business card; ATM use incidental. |
| Mercado Pago Empresas | — | LATAM-focused; business debit; ATM use incidental. |
| Lili | — | 40,000+ MoneyPass ATMs free domestically; $2.50 out-of-network; $5 international. |
| Found | — | Found does not charge an ATM fee; ATM operator may. |
| Novo | — | No native ATM network — use any ATM globally; Novo reimburses up to $7/mo in operator fees. |
| Relay | — | Allpoint (55,000+ surcharge-free ATMs). Relay does not charge for ATM use globally. |
| 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. |
| Sony Bank | — | Sony Bank WALLET is a Visa debit linked to the multi-currency account. |
| Statrys | — | Business debit; ATM incidental. |
| Memo Bank | — | Business card; ATM use incidental. |
| Anna | — | Business debit; ATM incidental. |
| Holvi | — | Business debit; ATM use incidental. |
| Penta | — | Business debit. |
| Grasshopper | — | Business card. |
| BHub | — | Business card. |
| AngelList Stack | — | Business card. |
| Cora | — | Business card. |
| Conta Azul | — | Business card. |
| Tiger BBP | — | Business card. |
Страхование путешествий и доступ в залы ожидания
| Банк | Страхование путешествий | Требуемый уровень | Залы ожидания в аэропорту | Основные моменты покрытия |
|---|---|---|---|---|
| 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 | — | — | — | |
| K Bank | — | — | — | |
| Kakao Bank | — | — | — | |
| Rakuten 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 | — | — | — | |
| Ramp | — | — | — | No bundled travel insurance — corporate-card product without consumer travel perks. |
| Rho | — | — | — | No bundled travel insurance — corporate platform without consumer travel perks. |
| Tide | — | — | — | No bundled travel insurance — business product without consumer travel perks. |
| Finom | — | — | — | No bundled travel insurance — business product. |
| Aspire | — | — | — | No bundled travel insurance — business product. |
| Airwallex | — | — | — | No bundled travel insurance — business product. |
| Nubank PJ | — | — | — | No bundled travel insurance on PJ tier. |
| Mercado Pago Empresas | — | — | — | No bundled travel insurance on Empresas tier. |
| Lili | — | — | — | |
| Found | — | — | — | |
| Novo | — | — | — | |
| Relay | — | — | — | |
| 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 | — | — | — | |
| Sony Bank | — | — | — | |
| Statrys | — | — | — | No bundled travel insurance. |
| Memo Bank | — | — | — | No bundled travel insurance. |
| Anna | — | — | — | No bundled travel insurance. |
| Holvi | — | — | — | No bundled travel insurance. |
| Penta | — | — | — | No bundled travel insurance. |
| Grasshopper | — | — | — | No bundled travel insurance. |
| BHub | — | — | — | No bundled travel insurance. |
| AngelList Stack | — | — | — | |
| Cora | — | — | — | |
| Conta Azul | — | — | — | |
| Tiger BBP | — | — | — |
Мультивалютные счета и местные IBAN
Храните иностранную валюту перед поездкой и получайте деньги как местный житель.
| Банк | Валюты | Реквизиты местного счета | Примечания |
|---|---|---|---|
| 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. |
| K Bank | 1 | KR | KRW primary; international remittance is the FX product. |
| Kakao Bank | 1 | KR | KRW primary; international remittance is the FX product. |
| Rakuten Bank | 1 | JP | JPY 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 | 3+ | BH | BHD primary; USD / GBP support via BBK group rails. |
| 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. |
| Ramp | 1 | USD only | USD-only platform. International Bill Pay settles via SWIFT correspondents; no native multi-currency accounts. |
| Rho | 1 | USD only | USD-only operating account. International wires via SWIFT correspondents. |
| Tide | 1 | GBP | GBP-denominated operating account. Cross-currency transfers route via Wise integration. |
| Finom | 1 | EUR (multi-country IBAN issuance) | EUR-only operating account, but local IBAN issuance across NL, DE, FR, IT, ES, PL. Non-EUR transfers route via SWIFT correspondents. |
| Aspire | 8+ | SGD (SG)USD (US)EUR (EU)GBP (UK)HKD (HK)AUD (AU)IDR (ID)MYR (MY) | Local account-number / IBAN issuance in 6 major jurisdictions; additional currencies supported as virtual sub-accounts. Native multi-currency accounts with local receiving in 30+ countries. |
| Airwallex | 23+ | USDEURGBPAUDSGDHKDJPYCADNZDCHFCNYINRand 11 more | Broadest multi-currency footprint in the SMB category. 23 currencies, local account-number / IBAN issuance in 10+ jurisdictions, local-account receiving in 60+ countries. Global multi-currency capability is the structural anchor of Airwallex's value proposition. |
| Nubank PJ | 1 | BRL | BRL-only operating account. No multi-currency capability. International transfers limited. |
| Mercado Pago Empresas | 5+ | BRLARSMXNCOPCLP | Local-currency accounts in each LATAM market served; not a true multi-currency platform — separate single-currency accounts per market; cross-market currencies not natively unified. |
| Lili | 1 | US | USD only. International receiving accounts not offered. |
| Found | 1 | US | USD-only product. Cash deposits via Green Dot Network (CVS/Walgreens/Walmart) up to $4.95 retailer fee. |
| Novo | 1 | US | USD-only checking. Wise integration provides multi-currency receiving for users who need it. |
| Relay | 1 | US | USD-only product. Canadian parent has no CDIC product. |
| 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. |
| Sony Bank | 12+ | JP | JPY, USD, EUR, GBP, AUD, NZD, CAD, CHF, HKD, SGD, ZAR, CNY — held on-balance-sheet at Sony Bank rather than via partner-bank rails. |
| Statrys | 8+ | USDEURGBPHKDAUDJPYCNYSGD | 8 native currencies with HK + cross-Asia corridor depth. |
| Memo Bank | 1 | EUR | EUR-primary; multi-currency via SWIFT correspondents for non-EUR receivables. |
| Anna | 1 | GBP | GBP-only operating account; international transfers via Wise-equivalent FX. |
| Holvi | 1 | EUR | EUR-only operating account; SEPA-native + SWIFT for non-EU. |
| Penta | 1 | EUR | EUR-only operating account; SEPA-native + SWIFT. |
| Grasshopper | 1 | USD | USD-only operating account. |
| BHub | 1 | BRL | BRL-only operating account. |
| AngelList Stack | 1 | USD | USD-only operating account. |
| Cora | 1 | BRL | BRL-only operating account. |
| Conta Azul | 1 | BRL | BRL-only operating account. |
| Tiger BBP | 6+ | SGDHKDUSDCNYJPYAUD | Cross-Asia multi-currency native. |
💡 Советы профессионалов для путешествий с необанком
- Избегайте обмена валюты в выходные дни с помощью Revolut Standard/Plus: в выходные дни взимается надбавка в размере 1%. Обменяйте валюту на местную до вечера пятницы, используя бесплатный тариф.
- Используйте Wise для крупных конвертаций: у Wise нет ежемесячного лимита на обмен валюты. При конвертации 5 000 евро и более в другую валюту комиссия в размере 0,43% выгоднее, чем 0,5% у Revolut Standard после превышения лимита.
- Выбирайте N26 Go для страхования, а не Revolut Standard: за 9,90 евро в месяц N26 Go включает медицинскую страховку Allianz на сумму до 2 млн евро — это более полное покрытие, чем при отдельной покупке туристической страховки.
- Всегда носите с собой запасную карту: счета в необанках могут быть заблокированы автоматизированными системами защиты от мошенничества. Во время путешествий носите с собой вторую карту от другого поставщика.
- Уведомьте свой необанк перед поездкой: большинство необанков позволяют настроить уведомления о поездках в приложении; некоторые включают автоматическое обнаружение мошенничества на основе местоположения.
Часто задаваемые вопросы
Какой необанк в ЕС предлагает самый выгодный курс обмена валюты для путешествий?
И Wise, и Revolut используют среднерыночный обменный курс без наценки. Wise взимает прозрачную комиссию за конвертацию в размере от 0,43 %. Revolut предоставляет бесплатные операции в пределах ежемесячного лимита на обмен валюты (1 000 евро для тарифного плана «Стандарт») и взимает комиссию в размере 0,5 % при превышении этого лимита. При конвертации крупных сумм Wise часто оказывается дешевле из-за надбавки, взимаемой Revolut в выходные дни.
В каком необанке можно бесплатно снимать наличные в банкоматах за границей?
Starling Bank предлагает неограниченное количество бесплатных снятий наличных в банкоматах по всему миру с личного счета — это самая щедрая политика среди всех необанков. N26 Go и Metal предлагают неограниченное количество бесплатных снятий наличных в банкоматах по всему миру. Revolut предоставляет от 200 до 2000 евро в месяц в зависимости от уровня обслуживания.
Есть ли среди необанков такие, которые предлагают бесплатную туристическую страховку?
Да. В тарифы Revolut Premium (7,99 евро/месяц) и Metal (14,99 евро/месяц) входит туристическая страховка. В тарифы N26 Go (9,90 евро/месяц) и Metal (16,90 евро/месяц) входит комплексная туристическая страховка от Allianz. В тариф Lunar Plus (~10,60 евро/месяц) также входит туристическая страховка, действующая по всему миру.
Что лучше для путешествий: Revolut или Wise?
Для большинства путешественников лучше подойдет Revolut: бесплатный обмен валюты на сумму до 1000 евро в месяц, выгодные курсы, а бесплатный тарифный план «Standard» подходит для большинства поездок. Wise лучше выбрать, если вам нужно хранить иностранную валюту в течение длительного времени, осуществлять крупные конвертации или получать деньги в иностранной валюте — его курс, рассчитанный на основе среднерыночного курса и не имеющий месячного лимита, лучше подходит для этих целей.
Можно ли использовать карту необанка в банкоматах по всему миру?
Все крупные необанки (Revolut, Wise, N26, bunq, Monzo, Starling) выпускают дебетовые карты Mastercard или Visa, которые принимаются в банкоматах по всему миру. Разница заключается в комиссиях: карты Starling и N26 Go/Metal позволяют совершать операции бесплатно во всех странах; у Revolut и Wise действуют ежемесячные лимиты бесплатных операций. Если вы часто пользуетесь банкоматами за границей, лучше избегать Trade Republic и Qonto.