Thinkmoney Travel Card Review
ATM and Cash
Topups
Overall
Thinkmoney does not offer a separate multi-currency travel money card. Instead, you use the Thinkmoney Current Account prepaid Debit Mastercard abroad. The card works worldwide wherever Mastercard is accepted. International card purchases and international ATM withdrawals are each charged at 2% of the transaction value from Thinkmoney’s side. The account itself carries a monthly fee of £10.95 for a single account or £15.95 for a joint account. Apple Pay and Google Pay are supported. Funds are e-money and safeguarded.
Fees and FX
ATM and Cash
Topups
Overall
Initial Viewpoint
Best for existing or prospective Thinkmoney customers who want to use one everyday UK account card on holiday without signing up for a separate travel product. Not ideal for fee-sensitive travellers because 2% is added to both international card purchases and cash withdrawals.
Highlights
- Use one UK account card worldwide where Mastercard is accepted
- Simple, published international fee structure
- Works with Apple Pay and Google Pay for contactless on your phone
Cautions
- 2% fee on international POS and international ATM transactions
- Monthly account fee applies even if you only use the card occasionally for travel
- Not a multi-currency wallet, so no fee-free local wallet spending
Overview
What it is
A UK e-money current account with a prepaid Debit Mastercard you can use in stores, online and at ATMs worldwide. There is no separate travel card. Apple Pay and Google Pay are supported for mobile payments.
Who it's for
Travellers who value keeping everything on a single UK account card with clear international fees, and who want mobile-wallet convenience.
Key Facts
Issuer and scheme:
Thinkmoney prepaid Debit Mastercard for the Thinkmoney Current Account. Not a credit card.
International fees:
2% on International Point of Sale transactions and 2% on International Cash Machine transactions.
Monthly fee:
£10.95 single account. £15.95 joint account. (Displayed in the T&Cs page that also lists card fees.)
Mobile wallets:
Supports Apple Pay and Google Pay.
Use abroad:
Card can be used in shops, restaurants and ATMs worldwide where the Mastercard Acceptance Mark is shown.
Pricing & Fees
Fee Type
Amount
Notes
Monthly account fee
£10.95 single, £15.95 joint
Shown alongside the card fee table in T&Cs.
Purchases in GBP (UK)
£0 issuer fee
Standard card purchase in pounds.
Purchases abroad (non-GBP)
2% of amount
International Point of Sale fee.
ATM withdrawal in UK
See site pricing
Standard UK cash withdrawal per account pricing page.
ATM withdrawal abroad
2% of amount
International Cash Machine fee. ATM owner may add a surcharge.
Replacement card
£4.99
If lost, damaged or name change, per T&Cs.
Copy of a statement
£3 per statement
Per T&Cs fee table.
FX & ATM Details
FX conversion
Thinkmoney charges 2% for international card purchases. The network’s exchange rate will also apply. Always choose to pay in the local currency and decline DCC at the terminal to avoid merchant markups.
ATM usage
For cash abroad, Thinkmoney charges 2% of the withdrawal amount. Some ATM owners add their own fee on screen before you confirm. You can use the card anywhere with the Mastercard Acceptance Mark.
Applying for the Skrill Card
Apply online via the thinkmoney website. You’ll need to verify identity and personal details. The process is designed with accessibility in mind (no hard credit check for the account application).
App & Features
Feature
Detail
Mobile app
Freeze and unfreeze your card, view PIN, approve online payments and receive push notifications.
Mobile wallets
Apple Pay and Google Pay support for contactless and in-app payments.
Who It's For
Best for
Customers who want one UK account card that they can also use on trips, with mobile wallet support and straightforward, published international fees.
Not ideal for
Travellers who want fee-free or ultra-low FX spending abroad, or those who prefer multi-currency wallets with fee-free local currency purchases and built-in cash allowances.
Pros & Cons
Pros
-
Works worldwide wherever Mastercard is accepted
-
Apple Pay and Google Pay supported
-
Clear, simple international fee schedule published in T&Cs
Cons
-
2% fee on both international purchases and cash withdrawals
-
Monthly account fee applies whether you travel or not
-
No separate multi-currency wallets for fee-free local spending
Awards and Recognition
thinkmoney has been awarded recognition by the FairBanking Foundation for its current account product, receiving a four-star mark for financial wellbeing design. This should be regarded as historical acknowledgement rather than a current endorsement of superiority.
Awards and Recognition
thinkmoney has been awarded recognition by the FairBanking Foundation for its current account product, receiving a four-star mark for financial wellbeing design. This should be regarded as historical acknowledgement rather than a current endorsement of superiority.
Alternatives to Consider
Wise multi-currency card
Hold multiple currencies, competitive FX, and clear ATM caps.
Revolut travel card
Multi-currency wallets with plan tiers and strong app controls.
Starling Bank debit card
UK current account with simple foreign usage terms.
Ratings
Category
Score 1 to 5
Weight
Notes
Fees and FX
2% on international POS and ATM; monthly account fee.
ATM and cash
Global ATM access with issuer and possible operator fees.
Topups
Faster Payments and Post Office cash services supported.
Features and app
Apple Pay and Google Pay, in-app PIN, freeze card, SCA prompts.
Support and trust
Clear T&Cs and fee table; e-money account model.
Compliance & Methodology
Regulatory
This is a UK current account with a prepaid Debit Mastercard, not a separate travel money card. International fees and selected account charges are set out in the official Thinkmoney Terms and Conditions.
Data sources
Thinkmoney T&Cs fee table and account text; Help articles on using your card abroad and on Apple Pay and Google Pay. Verified on 18 Oct 2025.
Editorial policy
Independent, fact‑checked comparison. Click here for editorial guidelines.
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