The Revolutionary 212 Card
No FX fee, true interbank rate, no spread markup
Zero
FX fee, true interbank rate
Up to 10%*
cashback on your spending
4%
AER on your pounds
12
major currencies
Free
No monthly subscription
Interest applies on cash in an investment account. Terms apply. ATM withdrawals are free up to £400 per month, 1% ATM fee applies thereafter.
Spend in 176 currencies
with the ultimate travel card
No FX fee, true interbank rate, no spread markup
0% FX fee applies to all 212 card transactions. 0.15% FX fee applies when you convert funds in the app.
Last update 19:40 UTC.
We do not include accounts with limited availability due to eligibility requirements, such as high minimum balance, high annual income, etc.
FX exchange is offered only in the context of Trading 212's investment services. Comparisons to other service providers are made by Trading 212 and are based on published rates on their websites. Learn how we collect this data.
Multi-currency account
Earn high interest on your cash
No subscription fee
Our card is free - no sneaky fees or plans. See the difference.
Standard
Standard
Current
Subscription fee
£0
£0
£0
£0
£0
FX fee
0%
1%
after the free exchange limit of £1,000 per mo. is exceeded
From 0.42%
Fee varies by currency
0%
0%
FX rate
True interbank
No mark-up
Custom “Revolut” rate
Interbank + variable mark-up
Mid-market
Mastercard rate
Mid-market + 0.75%
Mastercard rate
Mid-market + 0.75%
Weekend FX fee
None
1%
None
None
None
ATM withdrawal fees
Free up to £400
per month
1% thereafter
Free up to £200 per month
2% thereafter
Free up to £200
per month
1.75% + £0.50 per withdrawal thereafter
Free up to £400
per month
3% thereafter (0%, if Monzo is your main bank)
Free
Withdrawals capped at £500 a day
Interest on GBP cash
4% AER
on uninvested cash
2.29% AER
3.31% AER
4.10% AER
Capped at £100,000
1.00% AER
Cashback
Up to 10%*
on selected brands, 1.5% on all other purchases*
0%
points system
0%
2-10%
applies on transactions with partner retailers only
1%
only if £500 was deposited for the month. Capped at £15 per month.
- Subscription fee
£0
- FX fee
0%
- FX rate
True interbank
No mark-up
- Weekend FX fee
None
- ATM withdrawal fees
Free up to £400
per month1% thereafter
- Interest on GBP cash
4% AER
on uninvested cash
- Cashback
Up to 10%*
on selected brands, 1.5% on all other purchases*
Standard
- Subscription fee
£0
- FX fee
1%
after the free exchange limit of £1,000 per mo. is exceeded
- FX rate
Custom “Revolut” rate
Interbank + variable mark-up
- Weekend FX fee
1%
- ATM withdrawal fees
Free up to £200 per month
2% thereafter
- Interest on GBP cash
2.29% AER
- Cashback
0%
points system
- Subscription fee
£0
- FX fee
From 0.42%
Fee varies by currency
- FX rate
Mid-market
- Weekend FX fee
None
- ATM withdrawal fees
Free up to £200
per month1.75% + £0.50 per withdrawal thereafter
- Interest on GBP cash
3.31% AER
- Cashback
0%
Standard
- Subscription fee
£0
- FX fee
0%
- FX rate
Mastercard rate
Mid-market + 0.75%
- Weekend FX fee
None
- ATM withdrawal fees
Free up to £400
per month3% thereafter (0%, if Monzo is your main bank)
- Interest on GBP cash
4.10% AER
Capped at £100,000
- Cashback
2-10%
applies on transactions with partner retailers only
Current
- Subscription fee
£0
- FX fee
0%
- FX rate
Mastercard rate
Mid-market + 0.75%
- Weekend FX fee
None
- ATM withdrawal fees
Free
Withdrawals capped at £500 a day
- Interest on GBP cash
1.00% AER
- Cashback
1%
only if £500 was deposited for the month. Capped at £15 per month.
Comparisons to other service providers are made by Trading 212 and are based on published costs on their websites as of 12 February 2024.
One time cost applies when ordering physical card. Issuing a virtual card is free.
Move money instantly between
saving, investing, and spending
Pay fast and easy in shops, in apps, and online with Apple Pay.
Frequently asked questions
What rate do I get from Trading 212?
You always get the live interbank rate with no additional spreads or markups.
If you're converting during the weekend, you get the last available interbank rate from the weekday, as there is no live interbank rate during the weekend.
In case we don't have an interbank rate, we'll use Mastercard's exchange rate without adding additional spreads or markup.
What is the interbank rate?
The interbank rate is the rate at which banks exchange currencies with each other. This rate is not a single rate but rather a range defined by the buy and sell prices.
The sell price is the highest price a buyer is willing to pay for a currency, and the buy price is the lowest price at which a seller is willing to sell. The difference between these two prices is known as the spread.
For example, if EUR/USD's current buy and sell prices are 1.07700 / 1.07750, that is the interbank rate range.
The interbank rate for buying USD with EUR is 1.07750.
The interbank rate for selling EUR for USD is 1.07700.
What is the mid-market rate?
The mid-market rate is the midpoint between the buy and sell prices of the currencies on the global currency markets.
For example, if EUR/USD's current buy and sell prices are 1.07700 / 1.07750, mid-market rate is 1.07725, the value that's in the middle of 1.07700 / 1.07750.
The same rate of 1.07725 will apply whether you're buying or selling.
What is the difference between interbank rate and mid-market rate?
The difference between the interbank rate and the mid-market rate is the position within the buy and sell price range.
The interbank rate varies depending on if you are buying or selling currency - it's the specific rate you get at that moment.
The mid-market rate is the average of the buy and sell rates and is the same whether you are buying or selling. It's like the halfway point between what buyers are willing to pay and what sellers are willing to accept.
*See our Cashback Terms & Merchant-funded Terms. 1.5% cashback applies when you opt-in to the Cashback Investing promotion.