travel wallet barclays

Barclays Travel Wallet Review

Byron Mühlberg

Monito's Managing Editor, Byron has spent several years writing extensively about financial- and migration-related topics.

Links on this page, including products and brands featured on ‘Sponsored’ content, may earn us an affiliate commission. This does not affect the opinions and recommendations of our editors.

Barclays Travel Wallet is Barclays' very own in-app multi-currency spending tool, and although the concept behind the travel wallet is simple, it's quite unique in our opinion and comes with a few interesting perks that might interest you if you're a frequent traveller.

In this short review, we go through what Barclays Travel Wallet is, how it's different from other travel wallets and cards in the UK, and what its fees and exchange rates are like. Then, we give our verdict on whether we think it's worth it or not, before highlighting a few alternatives instead.

What Monito Likes About Barclays Travel Wallet

• Available to all Barclays current account customers,
• You can set it up in a few taps right from your mobile banking app,
• You simply use your existing Barclays debit card,
• No FX margins for converting leftover currency back to sterling.

What Monito Dislikes About Barclays Travel Wallet

• Exchange rate margins of around 4.6%,
• Balances only available in US dollars and euros,
• Easy to accidentally spend the wrong currency and incur fees.
• 01. What is Barclays Travel Wallet? What makes it different? scroll down
• 02. Is Barclays Travel Wallet really so cheap? scroll down
• 03. How does Barclays Travel Wallet compare to other travel cards? scroll down
• 04. Is Barclays Travel Wallet worth it? Our verdict scroll down

What is Barclays Travel Wallet

When it comes to travel spending, it's easy to think there are two opposed solutions: using your home bank's credit or debit card (the expensive way), or using a third-party travel card like Revolut or Currensea (the more cost-savvy way). However, that's where the Barclays Travel Wallet is different. It lets you use your ordinary debit card and current account to spend abroad and manually convert your pounds sterling into either US dollars or euros right from your Barclays Mobile Banking app.

Barclays Travel Wallet Features

In our opinion, this ease of use is by far the biggest selling point of the Barclays Travel Wallet. Here are the three main features in summary:

• Entirely App-Based: You can set up your Barclays Travel Wallet very quickly and convert sterling right from your bank balance into dollars or euros, even while you're already abroad! This means you don't need to wait to register for and verify a new account with another provider or wait several days for a new debit card to arrive at your door before you travel.
• Use Your Normal Debit Card: Because you don't need to wait for a new special-purpose travel debit card, you can essentially convert your usual debit card into a travel card with Barclays, avoiding the need to wait for a new card to arrive, pay a delivery fee, and have yet another piece of plastic sitting in your wallet!
• Overview and Control: You can use the Barclays Mobile Banking app to keep track of all your transactions (in pounds and in the foreign currency) as well as buy foreign currency at a fixed exchange rate and convert it back to pounds later.
• USD and EUR Only: You can only convert your pound sterling bank balance into US dollars or euros — no other currency is supported yet. This is okay if you're going across the Channel or across the Pond, but it can be a big limitation if you're planning to travel further afield.

How Barclays Travel Wallet Works

Here's a step-by-step overview of how the Barclays Travel Wallet works, assuming you're already a Barclays customer:

• Open your 'Barclays Mobile Banking' app,
• Tap 'Cards' on your home screen,
• Select 'Create a travel wallet',
• Convert pounds to dollars or euros,
• Use your debit card abroad like normal,
• Convert leftover currency back to pounds.

It's worth noting that the last step of converting unused foreign currency back to pounds is important, otherwise you'll be charged 2.99% to pay if you pay in euros or dollars while in the UK! More about that and other fees in the next section.

Barclays Travel Wallet Fees: Are They Any Good?

Using Barclays Travel Wallet to spend your pounds in the Eurozone or the USA is certainly cheaper than using your Barclays debit card directly without the wallet. That's because it allows you to dodge the 2.99% currency conversion fee that's incurred by most Barclays debit card purchases abroad. However, in our opinion, the good deal ends there, because you'll still need to pay the standard Barclays exchange rate to either the US dollar or the euro.

Here's a breakdown of what you are (and are not) charged by Barclays:

Currency Conversion Fees

Barclays Travel Wallet charges no currency conversion fee (allowing you to dodge the standard 2.99% on most Barclays debit cards).

Exchange Rates

The moment you convert your British pounds to dollars or euros, Barclays charges you an exchange rate margin — a type of hidden fee that emerges when you pay the bank's exchange rate while the bank itself uses the mid-market exchange rate (i.e. the 'real' exchange rate you find on Google). To illustrate, here was the mid-market exchange rate for both currencies at the time of writing (7 August 2023 at 11:00 GMT +2):

• GBPEUR: 1.159722
• GBPUSD: 1.2721946

but here were Barclays' exchange rates at the same moment:

• GBPEUR: 1.1061
• GBPUSD: 1.2139

Looking at the difference between these rates, we can see that Barclays charges margins of 4.62% for euros and 4.58% for dollars . While this margin might fluctuate slightly, it's reasonable to assume you'll get a rate between 4% and 5% of the total value of your transaction when converting currencies, which, in our opinion, is very pricey for a travel card.

Fortunately, however, this exchange rate margin does not apply when you're converting unused foreign currency back into sterling; only when you're converting sterling into foreign currency in the first place.

ATM Withdrawal Fees

Just like standard currency conversion fees, Barclays Travel Wallet charges no ATM withdrawal fees (which also allows you to dodge the same 2.99% fee that impacts cashpoint withdrawals with most standard Barclays debit cards).

How Does Barclays Travel Wallet Compare?

Barclays Travel Wallet is a rather unique in-app travel solution whose exchange rates are quite high. But how does it compare to other travel card options in the UK? Let's go through a few below:

Starling Bank

If you're open to registering for a new bank account altogether, then Starling Bank should be top of mind. It's a fully-authorised bank in the UK that's well known for its fee-free current account and its complete range of financial services (including overdrafts, loans, joint accounts, spending insights, payment splitting, virtual cards, euro accounts, interest, etc.). We think Starling offers the best online bank in the UK — one we recommend as a complete replacement for an account at a high-street bank like Barclays.

• Trust & Credibility 9.3
• Service & Quality 8.5
• Fees & Exchange Rates 10
• Customer Satisfaction 9.3
• In-Balance Currencies: GBP only
• Foreign Currency Conversion Fee: £0
• Exchange Rate Margin: 0%
• Foreign ATM Fee: 0%

Probably the UK's most famous fintech, there's a good chance you've heard of  Revolut . Using its innovative online platform, you'll not only have access to a broad range of financial services, but you'll also be able to take advantage of these services at a comparatively low price (though fair use limits and weekend FX surcharges may apply). However, Revolut is a travel card and not a bank  in the UK, meaning we think it's best used as a powerful spending tool next to a main bank account instead of in place of it.

• Trust & Credibility 8.9
• Service & Quality 7.9
• Fees & Exchange Rates 8.3
• Customer Satisfaction 9.4
• In-Balance Currencies: USD, EUR, CAD, SEK, NOK, DKK, CHF, and 25+ others
• Exchange Rate Margin: 0%-2%

Wise isn't a bank in the UK but a money transfer operator that's well-known for offering some of the  cheapest international transfers  globally. However, money transfers aren't Wise's only speciality — they also offer the  Wise Account , a low-cost foreign currency spending account and card product that's best in class for foreign currency spending of all kinds, whether it's holidays overseas, online shopping, or international money transfers.

• Service & Quality 8.9
• Fees & Exchange Rates 7.6
• Customer Satisfaction 9.6
• In-Balance Currencies: USD, EUR, CAD, SEK, NOK, DKK, CHF, and 45+ others
• Foreign Currency Conversion Fee: 0.35% - 2.85%

Is Barclays Travel Wallet Worth It?

All in all, we think the Barclays Travel Wallet is a viable option for Barclays customers travelling abroad. It's comparatively very easy to set up and start using, which is a big plus in our books, plus it lets you use your ordinary debit card instead of ordering a prepaid one and waiting for it to be delivered.

For this reason, we think the Barclays Travel Wallet is best for its convenience , and can help you access foreign currency quickly if you're a Barclays customer travelling to the US or the Eurozone who doesn't have the time to organize another option ahead of your trip.

On the other hand, the high exchange rates of around 4.6% make Barclays a rather expensive travel card compared to leading prepaid debit cards and other travel card options on the UK market, so if saving money is important to you, you can find much better deals elsewhere. We particularly recommend Revolut , whose debit card comes with no monthly fee, very low fees all round for foreign currency spending, and the capability to hold over 30 foreign currency balances in your app-based account.

As we've seen, Barclays Travel Wallet isn't the only kid on the block when it comes to low-cost overseas spending. See how it stacks up against a few of the best travel cards in the UK below:

Check Out These UK Travel Money Guides

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• Digital services
• The Barclays app

Your travel wallet

Buy foreign currency on your app, then pay for ice cream on your card

Create a travel wallet in your Barclays app and use your debit card to make payments and withdraw cash in US Dollar or Euros without any bank charges. You can also receive notifications so you can stay on top your travel spending.

Why should I use a travel wallet?

Use your debit card abroad.

Your travel wallet is better than most other travel money cards as you can spend directly from your debit card, whether you’re spending Euros or US Dollars.

No transaction fees

You can make purchases and withdraw money abroad for free 1

Get your exchange rate before going abroad

When you buy currency through your travel wallet you buy it at a fixed rate. This means you don’t need to worry about fluctuating exchange rates. If you’re running low, you can top up your currency at any time.

Stay on top of your money

You can quickly check your balance and see your transactions in your app. You can also set up notifications every time your card is used.

Keep the change or change it back

Exchange your remaining travel wallet balance back to British pounds and move it back into your current account. Or, you can keep the spare currency for your next trip.

Spending abroad is simple with a travel wallet

Going abroad soon create your travel wallet using the barclays app today.

You’ll need to download the Barclays app 2 to open a travel wallet. Once you’ve registered, follow these steps:

1. Log in to the app 2. Tap on ‘Cards’ on the home screen 3. Tap ‘Create a travel wallet’

Terms and conditions apply . You must have a Barclays current account, be at least 16 years old and have a mobile number.

Banking on the go

Check your balance, make payments and keep on top of your finances with our app.

Important information

Fee conditions apply. Some UK-based ATMs dispense foreign currency but charge in pounds sterling which is taken from your current account. Return to reference

Terms and conditions apply. You’ll need to have a current account with us, be aged 16 or over and have a mobile number to use the Barclays app. Return to reference

• Digital services
• Your mobile banking app

Features and benefits of your app

Banking in the palm of your hand

Manage all payments and transfers for all of your accounts in one app. You can edit standing orders, Direct Debits and make payments securely. Just select ‘Pay & transfer’ at the bottom of your screen.

Make regular payments

Edit standing orders and Direct Debits by selecting ‘Pay & transfer’ at the bottom of your screen.

Send money abroad

Sending money abroad from your Sterling account is easy. Click on the ‘Pay & transfers’ icon, then enter who you want to send money to and when.  

Spend in euros and US dollars

Use your debit card like a multi-currency card abroad by creating a ‘Travel Wallet’ in your app. You’ll lock-in an exchange rate when you credit your wallet and you won’t pay any fees when making purchases or withdrawing cash abroad in the local currency 1 . There’s no wasted change as you can choose to leave the currency in your Travel Wallet for next time or convert it back to British pounds.

Manage your cards

View your card and PIN number

Forgotten your pin or don't have your debit card on you? No problem. With the Barclays app you can get a quick and secure reminder.

Limit your retailers

You can block your card from being used with certain merchants, such as gambling or premium-rate websites and phone lines.

Lost your card?

There’s no need to cancel your card, only to find it again. Now you can temporarily freeze your card while you search for it. Click on ‘Quick links’, then ‘Cards’, where you can select ‘Temporary freeze’. If you really have lost it, you can then cancel it in the app.

Travelling abroad

The new travel controls allow you to put restrictions on your account, both home and abroad.

Keeping track of your money

Manage your money

All of your bills and regular payments are in your app’s calendar. Get an overview of your finances by selecting ‘Manage payments’, and then select ‘Calendar’.

Control your spending

You can limit ATM withdrawals and control whether your card can be used to make payments online, over the phone or via app.

Instant statements

View and download your statements as soon as they’re created, rather than waiting for them to arrive in the post.

Stay in contact

Call us securely

We’re always here to help. You can make secure calls directly to your local team in the app, click on ‘Direct Call’.

You're in charge

You can decide how you would like us to contact you and how we use your data. Just click on ‘Settings’ and select ‘Privacy hub’.

Other helpful features

Notifications

Notifications in the app can help you take control of your money as well as helping you to spot any unusual activity.

Log in quickly

Even if you don’t have your PINsentry card reader, you can log in to online banking by using your Mobile PINsentry in the app.

With app ID, we can securely identify you on the phone, simply by sending a secure notification to your device. And if we call you, you can use app ID to check that it’s us.

Apply for Barclays products

You can browse available products in your app and call us directly in the app if you want to open an account.

Get the app

Already bank with barclays download the app now 2.

Not yet a Barclays customer?

To enjoy the perks of the Barclays app, you’ll need a current account with us. Find out more about what we offer or apply for an account online today

Activate your app

After downloading your banking app, you’ll be asked to enter a five-digit password, which you’ll be asked to enter every time you use the app.

After setting your password, you need to  register the app  with either an activation code or if you have one, you can use your Barclays PINsentry.

You can get an activation code by phoning us on  01624 684 444 * , at a cash machine or a Barclays branch.

To complete your registration, follow our step by step registration guide .

Your easy app guide

Learn to use all of the useful features in your app with these short videos, from transferring money to arranging a Direct Debit.

Important information

Fee conditions apply. Some UK-based ATMs dispense foreign currency but charge in pounds sterling which is taken from your current account. Return to reference

Restrictions apply, the app may not be available to download and register in all countries. Return to reference

Lines are open everyday 8am-6pm on weekdays and 9am-5pm on Saturdays. Lines are closed on 25 December.

• Credit Cards & Loans
• Saving & Banking

Household Bills

Barclays to launch travel wallet this summer.

The bank’s current account customers will be able to buy euros and US dollars direct from the Barclays banking app – but the exchange rate is not yet known.

Barclays is adding a Travel Wallet feature to its banking app later this summer. The feature will allow Barclays current account customers to exchange money from their current account into euros or US dollars. They can then spend the foreign currencies abroad using their existing debit card without being charged foreign exchange fees.

Once launched, Travel Wallet will automatically appear in the Barclays app. To use the feature, open the Barclays app, go to the ‘Cards’ section under ‘Quick Links’ and tap ‘Create Travel Wallet’, and select whether you want a euro or a US dollar wallet.

You’ll then be able to securely exchange money, as and when you need it, from your current account into your selected currency. You’ll be able to see exactly how many euros or US dollars you will receive in-app before you make a conversion.

You can spend as normal with your Barclays debit card in the local currency without being charged extra fees for card transactions. Simply spending abroad on your Barclays debit card, or withdrawing cash, normally incurs a foreign exchange fee of 2.75 per cent.

If you use Travel Wallet, Barclays will not charge any additional fees for using ATMs overseas or limit the number of ATM withdrawals you can make abroad. There are no fees for Travel Wallet card transactions or converting remaining currency back into British pounds after a trip. More currency options will be added in the future.

Gillean Dooney, head of current accounts and travel money, said: “The build up to a trip abroad is stressful enough without worrying about finding the time to get currency, let alone knowing how much you need to take out.

“Travel Wallet means you can strike this consideration off your holiday list and simply exchange what you need, when you need it into either euros or US dollars keeping just as much control over your money when you’re abroad as you would at home.”

Compare exchange rates

However, Barclays hasn’t stated the exchange rate Travel Wallet will use, so at the moment it’s impossible to say whether it will offer customers a good deal.

Holidaymakers should look for a credit, debit or prepaid card that uses the interbank exchange rate which is the dynamic rate at which banks swap currencies between one another. Revolut uses this rate and doesn’t charge extra for card usage abroad.

Rival digital bank Monzo uses the Mastercard exchange rate which is a fraction less favourable than the interbank rate but still significantly better than most of the big banks’ rates. It doesn’t add on any additional fees or charges for use overseas although free cash withdrawals overseas are limited to £200 a month – after that there’s a 3 per cent charge.

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Barclays travel card review - 2024

Barclays standard issue Visa debit cards can be used anywhere you see the Visa symbol displayed. However, to give travellers in the euro area and to the US more options, Barclays also has a Travel Wallet you can use to hold and spend USD and EUR, using your regular Visa card.

This guide works through how the Barclays travel wallet and card works, including key features and fees. Plus, we'll also look at the Wise international prepaid card and the Revolut debit card   for comparison.

Barclays travel card: key features

Barclays doesn’t offer a prepaid travel card for UK customers - instead, if you have a Barclays account and access to the Barclays app, you can set up a dedicated Travel Wallet to convert and hold US dollars and euros, which you can then spend with no foreign transaction fee, using your normal Barclays Visa card. This has the advantage that you can convert travel money in advance, and lock in the exchange rate - but there is a fee involved you’ll want to know about. More on that in a moment.

First, here’s a quick overview of the pros and cons of the Barclays travel wallet and card:

The Barclays travel wallet can offer a new way for existing Barclays customers to spend USD and EUR. You can convert your GBP in advance so you see your travel budget right away, and once you’ve converted there’s no Barclays fee to spend the money, and no foreign transaction fee when making a cash withdrawal. However, this doesn’t make the experience completely free - there’s a 2.75% charge to switch currencies in the first place.

As an alternative which can come with more flexibility and lower overall costs, take a look at travel debit cards from specialist providers like Wise and Revolut. Providers like these allow you to hold dozens of currencies in one account - and you may also benefit from a better exchange rate, lower conversion costs, and no foreign transaction fees. More on that later.

Who is the Barclays travel card for?

The Barclays travel card could be handy if you already have a Barclays account and want to spend with your existing card, in the US or euro area. However, there are fees to convert to USD or EUR in your Barclays wallet, so it may not be the cheapest option available, even if it is pretty convenient.

What is the Barclays travel card?

The Barclays travel wallet supports EUR and USD, and you can then use the standard Barclays debit card that comes with your Barclays account to spend directly in either of these currencies.

If you’re an existing Barclays customer with access to the Barclays app, you can easily set up a travel wallet with just your phone. You can then convert to either of the supported currencies, with a lower fee compared to the foreign transaction fee imposed when you spend overseas with your normal Barclays debit card.

Is the Barclays travel card a multi-currency card?

Yes. The Barclays travel wallet lets you hold GBP, USD and EUR side by side, for spending with your regular Barclays debit card.

Alternatives to Barclays travel card

With only a couple of major currencies covered, the Barclays travel wallet and card isn’t the most flexible option out there. Let’s look at the Barclays travel card head to head against the Wise card and the Revolut card - alternative multi-currency card and account options you may want to consider:

Information taken from Barclays travel wallet and card desktop site and Barclays - using your debit card abroad guide , Wise pricing page , Revolut international transfer fees .pdf) and Revolut UK ; correct at time of writing, 17th May 2023

The Barclays travel wallet could be convenient if you’re headed to the US or euro area and want to continue to spend with your normal Barclays debit card.

 However, there are fees to switch from pounds to the currency you need, which you’ll need to consider. Use this guide to get to grips with the Barclays travel wallet and how it works, and to see if it might suit you on your next tip. To help you with your research, we’ll take a closer look at Wise and Revolut as possible Barclays travel card alternatives, next.

Wise offers flexible multi-currency accounts and prepaid international cards, managed from your phone or laptop. Open an account online, hold 50+ currencies, spend in 170+ countries with your Wise card, and send payments to 70+ countries easily. There are no ongoing fees or foreign transaction fees to pay. Just top up in GBP or the supported currency of your choice, and switch to the currency you need with the mid-market exchange rates and low fees starting at 0.41% - or let the Wise card autoconvert for you at the point of purchase, with the same rate and low fees.

Read a full Wise review here

You can open a Revolut account for free, without any monthly fees. Alternatively, you have the option to pay a monthly charge to access extra benefits and enjoy some additional free transactions. All accounts can hold and exchange over 25 currencies, and include a connected card for easy spending and withdrawals. Currency exchange uses the mid-market exchange rate, subject to the limits specified in your account plan. Once your account's free exchange limit is used up, a fair usage charge of 0.5% applies.

Read a full Revolut review here

Barclays travel card fees & spending limits

If you’ve already got a Barclays account and linked debit card, you can just use your regular card to spend overseas without opening the Barclays travel wallet. However, in this case you’ll pay a foreign transaction fee of 2.99% every time you spend in a foreign currency. The Barclays travel wallet, used with your normal card, cuts down the costs of spending USD and EUR slightly, which can mean you save compared to using your normal Barclays card directly in the US or euro area.

You’ll need to have a Barclays account and the Barclays app to open a travel wallet - and any fees that would usually apply to hold and maintain your underlying account will still apply once you have a travel wallet set up.

Here are the costs of using the Barclays travel wallet with your card when you’re travelling:

Information correct at time of writing - 17th May 2023

Exchange rates

The Barclays travel wallet is an extra offered to Barclays customers, which you can open in the Barclays app as a holding facility for EUR and USD. The exchange rate used to convert from pounds to dollars or euros will be set by Barclays, and will include a fee of 2.75%.

You’ll be able to see the exchange rate and fee that apply when you convert your funds in the Barclays wallet - it’s worth checking the rate against the mid-market rate that you’ll find on Google, to see if any extra fees have been added here.

If you’re spending a currency you don’t hold, or if you don’t hold enough balance in the currency you’re spending, your card will convert your GBP balance automatically, using the Visa rate and a foreign transaction fee of 2.99%.

How to get a Barclays travel wallet and card

To get a Barclays travel wallet and card you’ll need to already have an eligible Barclays account, and you’ll need to have the Barclays app up and running. Eligible accounts must be held in sole names, joint accounts aren’t permitted.

To access the app you need to be over 16 - and generally, to open a Barclays account in the first place you’ll have to be a UK resident. Assuming you meet all the eligibility criteria, you can open your travel wallet simply by logging into the Barclays app, tapping Cards, and selecting the option to open a travel wallet.

What documents and information will you need?

To add a travel wallet to your existing Barclays account, you won’t need to provide any extra documents or information, as long as you’ve already completed the verification processes to set up your main Barclays account.

How to use a Barclays travel wallet and card?

Once you’ve set up your Barclays travel wallet you can simply convert the amount of money you want to spend in euros or dollars, and hold it in the wallet until you’re ready to spend. Then once you’re overseas, just use your debit card as usual, and the euro or dollar amount charged will be automatically deducted from your wallet balance with no extra fee.

If your spending is deducted from GBP instead - for example, because you don’t hold enough in EUR or USD to cover the costs - there’s a 2.99% fee to pay.

How to withdraw cash with a Barclays travel card?

Withdraw cash with your Barclays travel wallet and card at an ATM just as you would in the UK - insert your normal Barclays debit card, enter your PIN and confirm the withdrawal amount. Funds will be deducted from the EUR or USD balance automatically.

There’s no Barclays foreign transaction fee to make an international ATM withdrawal from a currency you hold in the travel wallet (USD/EUR), although the operator of the specific ATM might add their own charges.

Is the card safe?

Yes. Barclays is a large, regulated and trusted bank - which means the travel wallet is a safe way to hold and spend your euros or dollars.

How to use the Barclays travel card overseas?

Use your Barclays travel wallet to spend with your normal Barclays debit card in EUR and USD, with no foreign transaction fee at the point of purchase. There’s a 2.99% foreign transaction fee to spend a currency you don’t hold in your wallet.

Conclusion: is the Barclays travel card worth it?

The Barclays travel wallet lets you extend your normal Barclays GBP account to hold EUR and USD as well as pounds. You can get a wallet in the Barclays app easily if you’re already a Barclays customer, and continue to spend on your normal Visa card, with lower fees compared to using the card directly in the US or euro area.

However, the Barclays travel wallet and card isn’t very flexible, and the fees are still pretty high at 2.75% to switch to EUR and USD for later spending. Compare the Barclays travel wallet against alternatives like Wise and Revolut which offer flexible multi-currency accounts with lower currency conversion costs.

Wise accounts can hold 50+ currencies, while currency exchange uses the mid-market rate with fees from 0.41%. Revolut accounts hold 25+ currencies, and you can get currency exchange at the mid-market rate to your plan limit, with a fair usage fee of 0.5% after that. Both providers also offer linked payment and withdrawal cards. Overall, that can mean more flexibility when you travel, and lower costs.

Barclays travel card review FAQ

The Barclays travel wallet is opened in the Barclays app, and lets you spend USD and EUR conveniently with your normal Barclays debit card. A fee of 2.75% applies to switch from GBP to dollars and euros, which means it’s not necessarily the cheapest option out there. As a comparison on flexibility and fees, check out alternatives from providers like Wise and Revolut.

The Barclays travel wallet and card is designed for international use in the US and euro area. You can open a wallet and switch from pounds to dollars or euros for holding, and then spend these currencies with no extra fees with your normal Barclays debit card. If you’re looking for more, try the multi-currency accounts from services like Wise or Revolut, to hold, exchange and spend dozens of currencies with low fees.

The Barclays travel wallet is a bit limited as it only supports USD and EUR. If you want a broader selection of supported currencies, you might consider travel debit cards from providers like Wise or Revolut for accounts with no ongoing fees and dozens of supported currencies.

Table of Contents

Barclays Travel Wallet: Spend Smart Abroad

In the evolving landscape of global travel, the debit card has maintained its relevance when catering to the demands of modern-day travellers.

While a normal debit card can serve basic spending needs, travel wallets have carved out a niche, ensuring travellers aren’t bogged down with the challenges of juggling multiple currencies.

The Barclays travel wallet, backed by the trusted legacy of Barclays, stands out in this arena. Its dynamic suite of features is tailored to meet the distinct requirements of both frequent flyers and occasional vacationers.

Using a debit card abroad can often lead to unexpected costs, but with this wallet, travellers are treated to a clear fee structure, making it a preferred choice.

So, whether it’s the promise of no hidden charges or the ability to efficiently manage multiple currencies with a debit card, the Barclays travel wallet is carving its path as the must-have companion for those looking for a hassle-free travel spending journey.

Understanding the Barclays Travel Wallet

In today’s fast-paced travel landscape, having a reliable financial companion can make all the difference. Enter the Barclays travel wallet, a product designed with the modern traveller in mind.

What is the Barclays travel wallet?

The Barclays travel wallet is an innovative financial tool designed to cater to the needs of avid travellers. Unlike a traditional debit card, which might limit you with foreign transaction charges, the Barclays travel wallet optimises the international spending experience.

This debit card lets you manage and withdraw cash in multiple currencies without the worry of hefty currency exchange.

The convenience it offers goes beyond that of a typical debit card, ensuring that travellers can focus on their adventures rather than the intricacies of foreign financial transactions.

By seamlessly merging the functionalities of a standard debit card with advanced features tailored for globetrotters, Barclays offers a unique solution for those on the go.

Barclays Travel Card’s key features

The Barclays travel wallet boasts a suite of standout features that cater to the unique needs of travellers.

Seamless foreign currency management

The Barclays Travel Wallet is more than just a digital pocket; it’s a comprehensive platform for efficiently handling various currencies. Designed with travellers in mind, it enables you to buy and sell foreign currency directly via the Barclays app.

Transparent fee structure

One of the wallet’s standout features is its clear and transparent fee system. The Barclays travel wallet fees are laid out with complete clarity, ensuring that users know exactly what they’re being charged.

This approach provides peace of mind, especially for those who frequently withdraw cash while travelling. Gone are the days of hidden charges and unexpected deductions.

Instead, travellers can plan their expenditures accurately and steer clear of any post-holiday financial surprises.

Competitive exchange rates

The Barclays travel wallet isn’t just another debit card; it stands out with its commitment to offering competitive, real-time exchange rates.

This emphasis on providing users with the best possible rate translates to significant savings in the long run, especially when you consider the foreign transaction fees that can accumulate with other cards.

No longer do travellers need to settle for less favourable rates at airports or foreign exchange outlets.

With Barclays, the exchange rate ensures you get value with every conversion, making it an optimal choice for those who demand the best in their financial transactions abroad.

Low fees with maximum clarity

Savings and clarity often go hand-in-hand with the Barclays Travel Wallet. The combination of minimal fees and its unwavering transparency ethos ensures users are always in the know.

This approach not only safeguards users against excessive charges but also promotes trust and reliability in all overseas transactions.

Setting up your Barclays travel wallet

Are you embarking on a journey abroad? Before you pack your bags, consider setting up the Barclays travel wallet. Here’s a closer look at how you can get started.

Eligibility criteria

Before diving into the world of multi-currency management, it’s essential to ensure you meet the eligibility criteria.

Existing Barclays customers are primarily in the spotlight here, with the bank offering this service as a value addition to its loyal clientele.

As for the type of accounts, while most Barclays accounts are eligible, it’s wise to double-check specifics, especially if you hold a unique account type.

Joint account holders, take note: both parties need to give their consent, ensuring all account holders are on the same page before activating the Barclays travel wallet.

Step-by-step guide to creating a travel wallet

• Starting Point : Launch the Barclays mobile banking app. Ensure you’re on the home screen to navigate the process seamlessly.
• Navigate : Look for the option labelled travel or a similar indicator, typically represented with an icon resembling a plane or globe.
• Select ‘Create a Travel Wallet’ : Once inside the travel section, tap Create a travel Wallet . This option leads you to the heart of the setup process.
• Choosing Your Currency : The wallet allows you to buy foreign currency directly. Opt for the currency you desire: euros, US dollars, or another primary currency.
• Lock in Your Rate : One of the standout features of the Barclays travel wallet is the ability to ensure a fixed exchange rate. This means that once you buy a currency, the rate is locked, shielding you from unexpected market fluctuations.

Navigating the financials of Barclays Travel Wallet

For many travellers, the intricacies of managing their money while abroad can be daunting. Enter the Barclays travel wallet, a unique debit card designed to alleviate these financial challenges, ensuring seamless transactions even in foreign lands.

Understanding fees and rates

When evaluating the Barclays travel wallet, one cannot overlook its cost-effective approach, especially regarding foreign transaction fees.

Often, these fees are significantly lower than what you’d encounter using a traditional debit card. As a result, frequent travellers can potentially save a considerable amount on each trip.

The exchange rate is another pivotal factor in international spending. The Barclays travel wallet takes away the guesswork by offering a fixed exchange rate.

Unlike fluctuating mid-market rates, which represent the midpoint between the buy and sell prices of two currencies, Barclays’ fixed rate ensures you know exactly what you’re getting.

No surprises, just predictability, which can be a blessing amidst the unpredictable nature of currency markets.

Spending and withdrawals

Using a debit card when travelling has historically been fraught with hidden fees. However, the Barclays travel wallet fees changed the narrative.

Whether you’re dining out, shopping, or visiting tourist attractions, the wallet ensures reduced foreign transaction fees compared to a regular debit card, making every transaction smoother.

While the card offers unparalleled convenience, there are times when cash is king. For such instances, the Barclays travel wallet has features to help you withdraw cash effortlessly.

Before initiating a cash withdrawal, checking your wallet balance is wise to ensure you have sufficient funds. This becomes particularly crucial in regions where digital payments aren’t the norm.

If you return from your travels with a surplus of foreign currency, fret not. The Barclays app facilitates easy management of your funds, converting them back to your primary currency or saving them for future adventures.

Barclays Travel Wallet vs swissmoney card

In today’s digital age, tools like the Barclays Travel Wallet and the swissmoney card have revolutionised how we manage our finances while travelling.

Both these offerings come with a robust mobile banking app, making it easier than ever to keep track of your spending on the go. However, there are subtle differences that travellers should be aware of.

Similarities and differences

Barclays Travel Wallet and swissmoney card are recognised as multi-currency cards, eliminating the constant need to evaluate conversion rates or endure undue fees during international shopping.

The mobile banking apps of both institutions notably elevate user experience. They offer features such as real-time balance checks and currency conversion. However, as we delve deeper, their differences come to light.

Barclays Travel Wallet offers financial stability with its fixed exchange rates. Such a feature appeals to those desiring financial predictability, ensuring unforeseen currency fluctuations don’t catch them unprepared.

In contrast, swissmoney card flows with the dynamic currents of the forex market, adjusting its rates in real-time.

Why consider swissmoney as an alternative?

swissmoney positions itself as a holistic financial tool, especially catering to those heavily transacting in euros and US dollars.

Their alignment with the mid-market exchange rate, which sits perfectly between two currencies’ buying and selling prices, allows travellers to maximise their financial efficiency.

However, it’s the swissmoney app that truly sets it apart. Here’s a glance at its array of features:

• Digital account:  Open a digital account within minutes. Diversify by holding funds in multiple currencies while maintaining swift access to your resources.
• Effortless global reach:  Experience 24/7 transactions. Open your account and benefit from immediate internal transfers and smooth multi-currency payments.
• Virtual prepaid card solutions:  swissmoney’s top-tier virtual prepaid card solutions stand out. These cards, designed for instant Euro conversions, turn multi-currency transactions from potentially perplexing processes into straightforward exercises.
• Cryptocurrency support:  swissmoney believes cryptocurrency transactions should be as streamlined and secure as traditional currency exchanges. Open wallets for BTC, ETH, USDC, USDT, and TRX, with promises of more cryptocurrency support in the future.

Given swissmoney’s extensive features and its tailored approach to specific currency markets, it’s evident why it can be viewed as a complete alternative to Barclays Travel Wallet.

As always, selecting the right financial tool involves individual needs and travel habits.

The Barclays Travel Wallet has undeniably made its mark in the world of finance tailored. With its suite of features, from a user-friendly interface to a fixed exchange rate, it prioritises a smooth and cost-effective experience for the traveller.

Its commitment to transparent fees, alongside features like efficient foreign currency management, illustrates its ambition to render overseas transactions as seamless as those back home.

Tools like the Barclays Travel Wallet have transformed how we spend abroad. Gone are the days of grappling with complex conversions, hidden fees, or the dread of overspending due to misunderstood exchange rates.

Armed with tools like these, today’s traveller finds themselves equipped to explore the world without the constant nag of financial concerns.

Yet, it’s imperative to grasp the nuances in this dynamic world of financial instruments. While Barclays offers a robust solution, alternatives like the swissmoney card illuminate the many options for the discerning traveller.

Every option has its advantages tailored to specific needs and spending patterns.

In the final reckoning, the key to smart spending abroad lies in possessing the right tools and understanding their mechanics.

Whether it’s the fees, the exchange rates, or the added features, a more profound comprehension empowers the traveller, allowing for more adventures and less financial fretting. Safe travels, and may your journeys be as fiscally sound as they are enriching!

What currencies can I hold in my Barclays travel wallet?

The Barclays Travel Wallet allows you to hold multiple foreign currencies, making it incredibly versatile for globe-trotters. This flexibility ensures that you can travel to various destinations without the hassle of managing numerous currency cards.

How does the Barclays app facilitate travel wallet management?

The Barclays app is designed with user convenience in mind. On the app, account holders can seamlessly buy and sell foreign currency, monitor their travel wallet balance, and check the latest exchange rates.

The intuitive interface ensures that managing your finances is just a few taps away.

Why might someone consider the swissmoney card over the Barclays travel wallet?

While the Barclays Travel Wallet offers multiple benefits, the swissmoney card serves as a compelling alternative, particularly for those spending predominantly in euros.

swissmoney’s key selling point is its competitive exchange rates, often based on the mid-market rate. For travellers prioritising certain features or specific currency advantages, swissmoney might present a more tailored solution.

Renata Pacheco

Renata is a seasoned financial market expert with over 30 years of experience in journalism and content creation, primarily focusing on the financial market. Throughout her extensive career, she has worked with leading financial institutions such as Citibank Brasil, Fiserv in Latin America, and other notable financial entities, further honing her expertise and credibility in the sector.

For more than six years, Renata has also been writing for the crypto market, collaborating with financial publications in Brazil, the US, and Europe. Her deep understanding and extensive knowledge make her a respected voice in the industry, appreciated for her ability to demystify complex financial concepts and market trends. This skill enables her to make financial insights accessible to a wide audience, from novice investors to seasoned professionals.

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• Tips for travel

Foreign currency

Bureau de change

If you need foreign currency, you can order it online and we’ll deliver it for free to your home address in the UK, or you can collect it from one of our branches.

How it works

• You can order up to £5,000 per person within a 90-day period. A maximum of £2,500 from that amount can be sent for home delivery to a single residential address 1
• You’ll need to order at least £50
• You’ll need a Barclays debit card or Barclaycard to place your order 2
• To help keep your money safe, home delivery orders will be delivered to your Barclays debit card or Barclaycard billing address

Missed the online deadline?

Just call 0345 072 2222 before 3pm and you can still get your currency delivered on the next business day, as above. To maintain a quality service, we may monitor or record phone calls. Call charges

You can only collect a currency order from a branch when the counter is open. The counter might have different opening hours to the rest of the branch, so please check the opening times using our branch finder  before you order.

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Things to consider

Travel wallet

Buy foreign currency in the Barclays app and use your debit card as a travel money card

Our travel wallet lets you buy foreign currency to spend on your debit card, so you don’t have to carry travel money around. It’s a great way to travel light and gives you security, convenience and control while you recharge your batteries.

Using your debit card abroad

A secure and convenient way to pay when you’re away

If you’re currently abroad and need to use your debit card, here’s what it’ll cost you to withdraw cash and make purchases.

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• Important information

£2,500 is the maximum amount that can be ordered and delivered to an individual residential address in a 90-day period. Please note, you cannot exceed £5,000 per person within a 90-day period. Return to reference

If you pay with your Barclaycard, you may be charged a Cash Fee – please check your Barclaycard terms and conditions for details. Return to reference

Working day means Monday to Friday excluding bank and public holidays. There are no deliveries on Sundays or public holidays. Return to reference

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Registered office for all: 1 Churchill Place, London E14 5HP

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• News and Press Releases

Barclays offers holiday makers the chance to cash in their souvenir slip-ups at a one-day swap shop run by Gemma Collins

• UK travellers spend £768m on unused souvenirs
• 1 in 4 Brits have bought souvenirs to use up foreign currency at the end of a holiday
• A set of teeth, a bust of Napoleon and an indoor fountain are some of the strangest items you are likely to find gathering dust at the back of a cupboard
• Barclays will be launching Travel Wallet later this summer so you can exchange money straight into euros or US dollars as and when you need it in your app and avoid the left over currency conundrum

Shot glasses and slogan t-shirts are just some of the souvenirs Brits admit to splashing their surplus holiday cash on at the end of a holiday, according to a study carried out by Barclays to mark the upcoming launch of new app feature Travel Wallet.

UK travellers waste a massive £768,542,240 a year on souvenirs on the last day of their trip, with nearly a quarter (23 per cent) admitting to buying these souvenirs simply to use up their remaining currency.

Furthermore, 1 in 4 (24 per cent) believe converting money back into sterling is too much hassle and a third (27 per cent) don’t see the point of changing back their spare cash at all, leaving Brits with an average £87 worth of leftover foreign currency at home.

Despite such a huge amount being spent on souvenirs every year, 63 per cent admit they never use the holiday mementoes they purchased once they return home to Blighty.

Barclays wants to make sure not a penny or cent more of hard-saved holiday spending money is lost to unwanted knick-knacks and this summer will be launching Travel Wallet, a new feature in its app to help customers stay on top of their spending when they’re overseas.

Travel Wallet allows travellers to exchange money from their current account into euros or US dollars in a matter of taps and spend abroad with their existing debit card, so customers can sit back and relax when it comes to their travel money.

To celebrate the upcoming launch, Barclays is giving holiday makers the chance to turn back the clock on their past souvenir splurges and will be holding a souvenir swap shop on Saturday 27 th July in London.

Members of the public can bring their souvenirs to be valued by seasoned traveller Gemma Collins who will then offer to reimburse them in exchange for the item. Regretful souvenir shoppers can book slots here.

Gemma Collins, Seasoned Traveller said: “I’m always bringing back ridiculous items from holiday that seemed like a good idea at the time. I probably have enough souvenirs from Marbella to open a museum in a box somewhere - I just don’t like to think about how much they’ve all cost me over the years.”

Gillean Dooney, Head of Current Accounts and Travel Money said: “The build up to a trip abroad is stressful enough without worrying about finding the time to get currency, let alone knowing how much you need to take out.

“Travel Wallet means you can strike this consideration off your holiday list and simply exchange what you need, when you need it into either euros or US dollars keeping just as much control over your money when you’re abroad as you would at home.”

The feature will automatically appear in customers’ Barclays app later this summer. To use the feature, customers simply need to open their Barclays app, go to the ‘Cards’ section under ‘Quick Links’ and tap ‘Create Travel Wallet’, select whether they want a euro or a US dollar Wallet.

They can then securely exchange money, as and when they need it, from their current account into their selected currency and spend as normal with their Barclays debit card in the local currency without being charged extra fees for card transactions.

Additionally, Barclays will not charge any additional fees for using ATMs overseas or limit the number of ATM withdrawals when customers withdraw cash from their Travel Wallet.

Top 3 weirdest holiday souvenirs

• A bust of Napoleon
• A set of teeth
• An indoor fountain

Top 10 holiday souvenirs

• Fridge magnets (50 per cent)
• Key rings (46 per cent)
• Sweets (37 per cent)
• Tea towels (30 per cent)
• Ornaments (30 per cent)
• Cuddly toys (24 per cent)
• Sunglasses (23 per cent)
• Cheap jewellery (22 per cent)
• Slogan t-shirts (22 per cent)
• Shot glasses (17 per cent)

Notes on research:

Research carried out by Ginger Comms on behalf of Barclays. Data based on a survey of 2,000 UK respondents in June 2019.

£768,542,240 calculation:

• 22% of survey respondents agreed they are most likely to spend their left over holiday cash (avg £76 per person)
• 22% of 47,042,000 total holiday visits taken by Brits in 2018, as per ONS travel estimates equals 10,349,240
• 10,349,240 multiplied by £76 = £768,542,240

Full ONS report available here:  https://www.ons.gov.uk/peoplepopulationandcommunity/leisureandtourism/datasets/ukresidentsvisitsabroad

About Travel Wallet

• Travel Wallet will be rolled out to customers who use the Barclays app and have a Barclays sterling current account this summer.
• Travel Wallet is a new feature within the Barclays app where customers can buy, store and spend euros and US dollars with their existing debit card.
• Customers do not need to pre-register for Travel Wallet. It will appear automatically in their app and they can then choose if they want to set up a travel wallet.
• Customers will be able to see exactly how many euros or US dollars they will receive in-app before they make a conversion.
• Barclays will not limit the number of ATM withdrawals customers can make or charge any fees for these withdrawals
• There are no fees for Travel Wallet card transactions or converting remaining currency back into GBP after a trip.
• Travel Wallet currently supports euros and dollars with more currencies to be added over time.

How to open a Travel Wallet

Customers can open a Travel Wallet instantly in a few quick taps. They simply need to go into the Barclays app, go to the ‘Cards’ section and select ‘Open Travel Wallet’, choosing whether they want a euro or a US dollar Wallet. They can then securely move money as and when they need it from their current account into their selected currency

• At the point they select how much they want to transfer, they will be shown the current exchange rate and how many euros or US dollars they will get.
• After setting up a Travel Wallet, customers can make payments in local currency with their existing debit card. When making a purchase, the payment terminal may offer customers the choice to pay in pounds sterling or local currency. If given a choice, customers should select the local currency on the payment terminal to pay directly from their Travel Wallet and avoid fees.
• Any balance remaining at the end of a trip can be either be left in Travel Wallet ready for the next holiday or converted back into pounds (GBP) for free.
• Travel Wallet currently supports euros and US dollars with more currencies to be added over time.

Important information

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• The Xbox Mastercard, issued by Barclays, now available in the U.S. with more value

No annual fee card converges virtual experiences and everyday purchases, allowing cardmembers to earn points on purchases in the Microsoft Store, dining delivery, streaming services, and more

In September 2023 , Xbox Insiders received early access to the Xbox Mastercard, Xbox’s first-ever co-branded credit card in the United States, issued by Barclays US Consumer Bank. Today, the card is available in all 50 states to qualified US residents 18 years of age and older.

With no annual fee and a bonus of 5,000 card points after the first purchase (a $50 value), the card, with the flexibility of use across contactless payments and digital wallets, is designed to seamlessly integrate into players’ lifestyles, providing card points and benefits for their purchases in the Microsoft Store and everyday purchases. The Xbox Mastercard is equipped with five iconic designs and the option to customize with players’ Xbox gamertag to add a personalized touch.

The Xbox Mastercard offers benefits for new and existing cardmembers, including three months of Xbox Game Pass Ultimate for new Game Pass members after their first purchase, 5X points on eligible products at the Microsoft Store , 3X points on select streaming and dining delivery services, 1X card points for all other everyday purchases, and more. Cardmembers also receive access to their FICO® Credit Score for free, and the benefits of the Mastercard network including ID Theft Protection™, Zero Liability Protection and Global Services for emergency assistance for added peace of mind. For those interested in building financial knowledge on credit scores, fraud prevention, budgeting and more, visit Barclays Money Basics.

To provide even more meaningful value for players, additional benefits are available today for new and existing cardmembers:

• Two three-month codes to gift to friends or family to try Game Pass Ultimate for the first time, with $7,000 or more spent within the first 12 months of opening the card account.
• Upgrade to Level 2 of Microsoft Rewards to earn faster rewards.
• Boost the volume with three free months of Spotify Premium Individual for new and existing cardmembers (for new Spotify Premium Individual users only). Terms apply.
• More options to redeem card points, including on Xbox consoles, in-game and in the Xbox App for PC. Card points can now be redeemed for purchases of consoles, accessories, Xbox Gift Cards, and more.
• Terms and conditions apply.

Xbox, Barclays and Mastercard have worked to provide a path to integrate players’ passion for gaming with their everyday spending. With a focus on enhancing the cardmember experience, the Xbox Mastercard provides eligible players with more choice, added value, and flexibility. The card is also another step forward in Microsoft and Mastercard’s longtime partnership that has supported safer commerce experiences, helped small business scale, and more.

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Microsoft (Nasdaq “MSFT” @Microsoft) enables digital transformation for the era of an intelligent cloud and an intelligent edge. Its mission is to empower every person and every organization on the planet to achieve more.

About Barclays US Consumer Bank

Barclays US Consumer Bank is a leading co-branded credit card issuer and financial services partner in the United States that creates highly customized programs to drive customer loyalty and engagement for some of the country’s most successful travel, entertainment, retail, and affinity institutions. The bank offers co-branded, small business, and private label credit cards, installment loans, online savings accounts, and CDs. For more information, please visit www.BarclaysUS.com.

About Mastercard (NYSE: MA)

Mastercard is a global technology company in the payments industry. Our mission is to connect and power an inclusive, digital economy that benefits everyone, everywhere by making transactions safe, simple, smart and accessible. Using secure data and networks, partnerships and passion, our innovations and solutions help individuals, financial institutions, governments and businesses realize their greatest potential. With connections across more than 210 countries and territories, we are building a sustainable world that unlocks priceless possibilities for all.

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