Centtrip Multi-Currency Card Review
ATM and Cash
Topups
Overall
Centtrip offers a high-limit multi-currency prepaid Mastercard for businesses, creators and high-net-worth teams. You can hold up to 15 currencies on one card and spend globally. Card transactions are free from Centtrip’s side, while ATM withdrawals carry 1% with a £1.60 minimum. If you spend in a currency you do not hold, a 2% FX fee applies. Daily ATM cash access can reach up to £4,000 depending on your account settings.
Fees and FX
ATM and Cash
Topups
Overall
Initial Viewpoint
Best for organisations and frequent travelers who need very high card limits, granular control and a true multi-currency wallet. Not ideal if you want a free UK ATM option or consumer-style perks.
Highlights
- Hold and manage 15 wallet currencies on a single card and account
- Marketed high limits including up to £150,000 single POS spend and up to £4,000 daily ATM withdrawals depending on tier
- Transactions at merchants are free from Centtrip’s side
Cautions
- ATM withdrawals incur 1% fee with £1.60 minimum
- 2% FX fee on transactions in a currency not held on the card
- Inactivity fees can apply if cards or accounts sit idle
Overview
What it is
Centtrip’s multi-currency prepaid Mastercard with a web and mobile platform for loading, transfers and controls. Built for teams that need high limits, multiple cards and reporting.
Who it's for
UK based businesses, talent and crews that travel often and need to pay, withdraw and settle costs across currencies with high ceilings and admin tools.
Key Facts
Issuer and scheme:
Centtrip Limited is an FCA authorised Electronic Money Institution FRN 900717. The Centtrip Prepaid Mastercard is issued by Prepaid Financial Services Ltd FRN 900036 and by Adyen N.V. in some regions.
Network:
Mastercard with global acceptance and ATM access.
Protection:
E-money safeguarding applies. FSCS does not apply to e-money funds. See regulatory statement.
Wallet currencies you can hold on the card and account (15):
GBP, EUR, USD, AUD, CAD, CHF, DKK, HKD, ILS, JPY, NZD, NOK, PLN, SEK, ZAR.
Spend and ATM positioning:
Card transactions at merchants are free from Centtrip’s side. ATM withdrawals carry 1% with £1.60 minimum. FX fee in out-of-card currency is 2%.
High limits messaging:
Up to £150,000 in a single POS or online transaction and up to £4,000 daily ATM withdrawals depending on settings.
Pricing & Fees
Fee Type
Amount
Notes
Card order fee
£10 per card
Delivery charges may apply.
Annual card fee
£10 per card
Per card per year.
Transactions at merchants
£0 from Centtrip side
Choose local currency at POS to avoid DCC.
ATM withdrawals
1%, minimum £1.60
Per withdrawal. ATM owner may surcharge.
FX fee when spending in a currency not held
2%
Applies to out-of-card currency transactions.
PIN reveal online
Free
PIN change at ATM
£0.50
Card replacement
£10
Inactive card maintenance
£2.50 per card per month
Inactive operating account
£20 per account per month
See account terms.
FX & ATM Details
FX conversion
If you hold the local currency on the card, spend from that balance to avoid FX fees. If you pay in a currency not held on the card, a 2% FX fee applies. Decline DCC and choose to be charged in the local currency for best results.
ATM usage
Centtrip charges 1% per cash withdrawal with a £1.60 minimum. The Help Centre and product page reference very high withdrawal ceilings of up to £4,000 daily depending on your tier and settings.
Topups & Payments
Method
Fee or Limit
Notes
Load from operating account to cards
Per account fee schedule
Admins can transfer to one or multiple cards.
Card to card and card loads
Subject to tier limits
Use the platform to push funds to cards.
Payments out in additional currencies
Available in a further 16 currencies
Convert from the account and send out.
Applying for the Centtrip Multi-Currency Card
Application details vary by personal vs business use. The card is prepaid/reloadable, not a credit or standard debit card. Given the high-limit nature, eligibility and verification may be more stringent than basic travel cards.
App & Features
Feature
Detail
Multi-currency wallet and reporting
Hold and manage 15 currencies. Run multi-card and multi-currency reports from the dashboard.
Virtual cards and wallets
Virtual EEA cards can be added to Apple Pay and Google Pay for online and contactless payments. Note that a separate article states the Centtrip card is not currently supported on Apple Pay for some cards. Check with support for your region.
ATM locator
Use the Mastercard ATM Locator from within the app.
Controls and support
PIN reveal, lock and unlock, and issue resolution via Help Centre.
Who It's For
Best for
Teams and individuals who need very high spend and withdrawal limits, multi-user control, multiple currencies and centralised reporting across cards.
Not ideal for
Users who want consumer-style free UK cash withdrawals or who do not need enterprise level controls and limits. ATM and inactivity fees may not suit occasional use.
Pros & Cons
Pros
-
Hold 15 currencies and pay from the correct balance
-
High limits for POS transactions and ATM withdrawals
-
Merchant transactions free from Centtrip’s side
-
Strong admin tools and reporting for multiple cards
Cons
-
ATM fee of 1% with £1.60 minimum
-
2% FX fee on out-of-card currency spending
-
Inactive card and account maintenance charges
Awards and Recognition
Centtrip has previously been recognised in the Prepaid365 Awards for “Best Corporate Prepaid Card” and “Best Corporate Travel Prepaid Card”, as well as in other industry programmes such as the Moneynet Awards and Startups Awards. This is treated as historical acclaim rather than a current endorsement for Centtrip.
Awards and Recognition
Centtrip has previously been recognised in the Prepaid365 Awards for “Best Corporate Prepaid Card” and “Best Corporate Travel Prepaid Card”, as well as in other industry programmes such as the Moneynet Awards and Startups Awards. This is treated as historical acclaim rather than a current endorsement for Centtrip.
How It Compares
At a glance: Fixed currency consumer cards are simple for single currency trips, while Centtrip targets professional and enterprise travel with high ceilings and a 15 currency wallet.
Feature
Centtrip
Consumer fixed currency card
Multi-currency consumer wallet
Annual or monthly fee
Account based pricing
Usually free
Often tiered plans
Card purchases
ATM fee
1% with £1.60 minimum
Varies
Often free abroad but caps apply
FX fee
2%
Varies
Often small markup or rate spread
Alternatives to Consider
Wise multi-currency card
Interbank style FX, many currencies, strong global acceptance. Check ATM caps and transfer fees.
Revolut business and personal
Multi-currency wallets with plan tiers and extensive app features. Review weekend FX markups and fair use.
Starling Bank debit card
Simple fee free FX on a UK current account for personal or business. Check ATM and card replacement policies.
Caxton travel money card
15 wallet currencies, £0 Caxton fee abroad, optional paid plan with 0% FX markup positioning.
Ratings
Category
Score 1 to 5
Weight
Notes
Fees and FX
Transactions free at merchants, 1% ATM fee, 2% FX in out-of-card currency.
ATM and cash
Up to £4,000 daily depending on tier. Fee applies and ATM owners may surcharge.
Topups
Transfers from operating account to cards within platform.
Features and app
15 currencies, reports, ATM locator, virtual cards support varies by region.
Support and trust
FCA authorised EMI, issuers PFSL and Adyen depending on region.
Compliance & Methodology
Regulatory
Centtrip Limited is authorised and regulated by the FCA as an Electronic Money Institution FRN 900717. The Centtrip Prepaid Mastercard is issued by Prepaid Financial Services Ltd FRN 900036 and by Adyen N.V. in some regions. E-money funds are safeguarded and are not protected by FSCS.
Data sources
Centtrip product pages and Help Centre including fees, limits and currency list. Verified on 11 Oct 2025.
Editorial policy
Independent, fact‑checked comparison. Click here for editorial guidelines.
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