FairFX Currency Card Review
ATM and Cash
Topups
Overall
FairFX offers a free multi currency prepaid Mastercard you can use in more than 190 countries. You can hold up to 21 wallet currencies on one card and spend in other currencies as well. Purchases in a wallet currency are free from FairFX fees. Purchases and cash in non wallet currencies incur a 2.25% out of currency fee. UK and international ATM withdrawals have a £1.00 fee per withdrawal from FairFX.
Fees and FX
ATM and Cash
Topups
Overall
Initial Viewpoint
Best for travellers who want a simple multi currency wallet, free card order and predictable low fees. Good for using Apple Pay and Google Pay if you choose a Standard account. Not ideal if you plan to spend frequently outside the wallet currencies on the free plan, since a 2.25% fee applies in those cases.
Highlights
- Free first card order and no monthly management fee
- Hold up to 21 currencies on one card
- £1.00 ATM fee in the UK and abroad from FairFX side
- Apple Pay and Google Pay available on Standard accounts
Cautions
- 2.25% out of currency fee when spending in a currency that is not one of the wallet currencies
- Over the counter cash withdrawals have a £2.00 flat fee plus 3.75%
- Expired card administration fee can apply if a balance remains
Overview
What it is
FairFX is a prepaid Mastercard that lets you hold and spend multiple currencies from one card and app. It works online and in store wherever Mastercard is accepted.
Who it's for
UK travellers who want an easy wallet of popular currencies, low fixed ATM fee and optional mobile wallet support. Good for trips with spending inside the 21 wallet currencies.
Key Facts
Issuer and scheme:
The card is a prepaid Mastercard. FairFX states the card is issued by Equals Money International Limited in its FAQs. Funds are safeguarded under e money rules and are not protected by FSCS.
Network:
Mastercard with global acceptance.
Wallet currencies you can hold on the card:
21 currencies GBP, EUR, USD, AUD, CAD, CHF, CZK, DKK, HKD, HUF, ILS, JPY, NOK, NZD, PLN, RON, SEK, SGD, TRY, ZAR, AED.
Use in other currencies:
You can also spend in currencies outside the wallet list. A 2.25% out of currency fee applies.
ATM fees:
£1.00 per withdrawal in the UK and abroad from FairFX side. ATM owners may surcharge.
Digital wallets:
Apple Pay and Google Pay available for Standard accounts.
Pricing & Fees
Fee Type
Amount
Notes
First card order
Free
Replacement card
First replacement free, then £6
Card renewal
Free
Monthly management fee
Free
Expired card admin fee
£2.00 per month if balance remains
Applies to expired cards with leftover balance
Purchases in wallet currency
Free
21 wallet currencies
Purchases in non wallet currency
2.25%
Out of currency fee
UK and international ATM withdrawals
£1.00 per withdrawal
Issuer side fee. ATM owner may surcharge
Over the counter cash withdrawal
£2.00 flat fee plus 3.75%
GBP to GBP transfer or refund fee
£5.00
Card load fees
Free
Point of sale
Free when in one of 21 wallet currencies
FX & ATM Details
FX conversion
If you hold the local currency as one of your 21 wallet balances, spend from that balance and there is no FairFX purchase fee. If you spend in a currency you do not hold, a 2.25% out of currency fee applies. Decline DCC and choose to pay in the local currency.
ATM usage
FairFX charges £1.00 per ATM withdrawal in the UK and abroad from its side. Some ATM operators add their own surcharge.
Topups & Payments
Method
Fee or Limit
Notes
Top up and exchange in app or online
Free card load fees
Manage balances and move between currencies in the app or online account
Virtual cards
Free to create. Use online and with wallets on Standard accounts
Ready to use within minutes
Apple Pay and Google Pay
Free
Available with Standard accounts
Applying for the FairFX Currency Card
Apply online; standard UK KYC (ID and address verification) applies. Funds are safeguarded at named UK banks; this is not FSCS coverage.
App & Features
Feature
Detail
Multi currency wallet
Hold up to 21 currencies and swap balances in the app
Controls and alerts
Set spending limits, freeze and unfreeze card, view PIN
Digital wallets
Apple Pay and Google Pay on Standard accounts
Rewards
Up to 3.5% UK retailer cashback on selected partners
Virtual cards
Create virtual cards for online or wallet use on Standard accounts
Who It's For
Best for
Travellers who like to preload and manage popular currencies in one place, want a free card and simple fees, and value Apple Pay or Google Pay support on Standard accounts.
Not ideal for
Trips where most spending will be in non wallet currencies, since a 2.25% fee applies. Heavy UK cash users may also prefer cards that waive UK ATM fees.
Pros & Cons
Pros
-
Free first card order and no monthly management fee
-
21 wallet currencies
-
£1.00 ATM fee from issuer side in UK and abroad
-
Apple Pay and Google Pay available on Standard accounts
Cons
-
2.25% out of currency fee on spending in non wallet currencies
-
Over the counter cash withdrawal has additional fees
-
Expired card admin fee if balance remains
Awards and Recognition
FairFX has been a long-running UK consumer card brand within Equals Group; public pages emphasise Trustpilot volume and safeguarded funds rather than recent award wins. Treat any legacy accolades as historical acclaim, not a current endorsement.
Awards and Recognition
FairFX has been a long-running UK consumer card brand within Equals Group; public pages emphasise Trustpilot volume and safeguarded funds rather than recent award wins. Treat any legacy accolades as historical acclaim, not a current endorsement.
How It Compares
At a glance: Multi currency wallets like FairFX suit varied itineraries since you can preload a matching currency. If you spend outside the wallet list, some rivals may have different fee structures or paid tiers.
Feature
FairFX Currency Card
Multi currency rival
No fee abroad UK debit card
Annual or monthly fee
Card purchases
£0 issuer fee
Often £0
Often £0
ATM fee
£1.00 per withdrawal
Often free to a cap, then fee
Often £0 issuer fee, daily cash caps
FX fee
2.25% fee
Varies by provider
Often £0 FX, scheme rate
Alternatives to Consider
Wise multi currency card
Interbank style FX, many currencies, strong global acceptance. Check ATM caps and transfer fees.
Revolut travel card
Multi currency wallets with plan tiers and advanced app features. Review weekend FX markups and fair use.
Starling Bank debit card
Simple fee free FX on a UK current account with strong acceptance. Check ATM and replacement policies.
Caxton travel money card
15 wallet currencies, £0 Caxton fee abroad, optional paid plan positions 0% FX markup.
Ratings
Category
Score 1 to 5
Weight
Notes
Fees and FX
Free in wallet currencies, 2.25% out of currency fee, £1.00 ATM fee
ATM and cash
£1.00 per ATM from issuer side, operator surcharge may apply
Topups
Load and exchange in app or online, card load fees free
Features and app
21 currencies, Apple and Google wallets on Standard accounts, virtual cards
Support and trust
Safeguarded funds, not FSCS. Issuer shown as Equals Money International Limited in FAQ
Compliance & Methodology
Regulatory
FairFX accounts are safeguarded and not FSCS protected. The issuer is shown as Equals Money International Limited in the FAQs. The card is a prepaid Mastercard.
Data sources
Currency card pages, fees tables and Help Centre including currencies, ATM fee, out of currency fee, wallets and digital wallet support. Verified on 11 Oct 2025.
Editorial policy
Independent, fact‑checked comparison. Click here for editorial guidelines.
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