Free Travel Money Card
Load more than 23 currencies onto your card, pay in the local currency without conversion fees, and manage everything from the app. Take advantage of our Standard plan, completely free and with no commitment.
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A Free Multi-Currency Card with No Hidden Surprises
With the Standard plan, all the essentials are included at no fixed cost. Discover below everything you can do free of charge with your Travel Money Card.
Monthly Subscription
No fees on our Standard plan.
Adding Funds
Top up your card by bank transfer with no fees and no minimum amount.
23 Currencies on One Card
Load and manage up to 23 different currencies in one place.
Payments in the Local Currency
Spend abroad directly in the currency loaded onto your card: no conversion fees on purchases.
Wallet Alignment
If one wallet is empty, another is used automatically, with no fees and no action required.
Transfers Between TMC Accounts
Move funds between your Travel Money Card accounts without commission.
How to get & load your card?
The entire process is completed online, without visiting a branch, and usually takes just a few minutes.
1.Order
Add the card to your basket and complete your purchase.
2.Verify
Confirm your identity quickly and securely.
3.Log In
Access your personal account via the app or web.
4.Top up
Add funds via bank transfer & exchange your currencies.
5.Activate
Activate your card & start using it immediately.
Once activated, the card can be managed through the web portal or mobile app. You can load additional currencies at any time, track your spending by country, and switch between wallets before your next trip. No additional charges apply at any stage of this process.
Who Is Our Free Virtual Bank Card Designed For?
Our multi-currency card is suitable for a wide range of users, each with different foreign currency needs.
Occasional Travellers
One or two trips per year are enough to benefit from a card with no subscription fee. Simply load the currency of the country you are visiting for the duration of your stay.
Students Studying Abroad
During an Erasmus semester or university exchange programme, managing your budget in a foreign currency becomes easier with a dedicated card, without fixed fees over several months.
Freelancers and Self-Employed Professionals
For professionals who occasionally invoice or spend in foreign currencies, the card provides a separate account for international transactions without additional overhead costs.
Families and Dual-Nationals
For those who regularly travel between two countries, the card offers a simple way to hold funds in multiple currencies without opening multiple bank accounts.
Free Plan or Frequent Traveller Plan: Which Should You Choose?
Our multi-currency card is free with the Standard plan and is ideal for occasional use. If you exchange currencies regularly, our Frequent Traveller plan allows you to benefit from even more favourable exchange rates for a small monthly subscription fee.
Standard – Free |
Frequent Traveller | |
|---|---|---|
|
Monthly subscription |
Free |
€1.50 |
|
Adding funds |
Free |
Free |
|
Transfers between TMC accounts |
Free |
Free |
|
Exchange margin |
1.50% |
0.50% (better rate) |
How Does the Exchange Rate Work on a Free Multi-Currency Card?
Having no subscription fee does not mean there is no exchange margin at all. This margin allows the service to remain free while remaining commercially viable.
In practice, when you load a currency onto your card, a small margin is applied compared with the reference interbank exchange rate. Under the Standard plan, this margin is 1.50%, which remains significantly lower than the rates typically charged by most physical bureaux de change or traditional bank card withdrawals abroad.
The advantage of this approach is transparency. The exchange rate applied is displayed before you confirm the transaction. You know exactly how much foreign currency you will receive, without discovering unexpected differences later on your bank statement.
Once a currency has been loaded, payments made in that same currency are not subject to any further conversion.
Frequently Asked Questions About Our Free Multi-Currency Card
Yes. The Travel Money Card by ChangeGroup has no monthly subscription fee, no top-up fees, and no minimum deposit requirement.
The following are free of charge: the monthly subscription, adding funds, transfers between Travel Money Card accounts, spending abroad in a currency already loaded onto the card, and automatic wallet alignment.
The Standard plan is free and designed for occasional use, with a 1.50% exchange margin. The Frequent Traveller plan costs €1.50 per month but reduces the exchange margin to 0.50%, making it more cost-effective for regular users.
You can load up to 23 different currencies onto a single virtual card and spend directly in the local currency without additional conversion fees.
Our virtual card, which can be used with Apple Pay or Google Pay, allows you to exchange currencies and make payments without needing a physical card. It is completely free and can be activated within minutes.
Yes. The Travel Money Card is backed by Mastercard and supported by Prosegur, a global security leader with more than 50 years of experience, providing the same payment protection as a paid service.
Yes. The Travel Money Card is designed to complement your main bank account, specifically for spending in foreign currencies, rather than replace your everyday banking provider.
Each loaded currency forms a separate wallet on the same card. You can switch between wallets through the app, and the system can automatically switch to another wallet if the selected one has insufficient funds.