6 Best Travel Cards for Estonia

Getting an international travel card before you travel to Estonia can make it cheaper and more convenient when you spend in Euro. You'll be able to easily top up your card in NZD before you leave New Zealand, to convert seamlessly to EUR for secure and flexible spending and withdrawals.

Browse travel cards

This guide walks through the best travel cards available for anyone from New Zealand heading to Estonia, like Wise or Revolut. We'll walk through a head to head comparison, and a detailed look at their features, benefits and drawbacks.

Medley of travel cards available in New Zealand.

6 best travel money cards for Estonia:

Let's kick off our roundup of the best travel cards for Estonia with a head to head comparison on important features. Here's an overview of the providers we've picked to look at, for customers looking for ways to spend conveniently overseas when travelling from New Zealand:

CardCard schemeFees for spendingTrustpilot scoreGo to provider
WiseVisa / MastercardNo fees to spend currencies you hold4.2 / 5 (200,000+)Go to Wise
RevolutVisaNo fees to spend currencies you hold4.2 / 5 (147,000+)Go to Revolut
OneSmartVisa / MastercardNo fees to spend currencies you hold, 2.5% currency conversion feeNot active on TrustpilotGo to OneSmart
TravelexMastercardNo fees to spend a currency you hold, 4% foreign transaction fee when spending a currency you don’t hold4 / 5 (1,500)Go to Travelex
Cash PassportMastercardNo fees to spend currencies you hold, 5.95% fee to spend a currency you don’t holdNot active on TrustpilotGo to Cash Passport
WestpacMastercardNo fees to spend currencies you hold, 5.95% fee to spend a currency you don’t holdNot active on TrustpilotGo to Westpac

Each of the international travel cards we’ve picked out have their own features and fees, which may mean they suit different customer needs. Keep reading to learn more about the features, advantages and disadvantages of each - plus a look at how to order the travel card of your choice before you head off to Estonia.

Wise travel card

Delivered in New ZealandDelivered in New ZealandVisa/Mastercard debit cardVisa/Mastercard debit cardVirtual card availableVirtual card availableMid-market exchange rateMid-market exchange rate

Open a Wise account online or in the Wise app, to order a Wise travel card you can use for convenient spending and withdrawals in Estonia. Wise accounts can hold 40+ currencies, so you can top up in NZD easily from your bank or using your card. Whenever you travel, to Estonia or beyond, you’ll have the option to convert to the currency you need in advance if it’s supported for holding a balance, or simply let the card do the conversion at the point of payment.

In either case you’ll get the mid-market exchange rate with low, transparent fees whenever you spend in EUR, plus some free ATM withdrawals every month - perfect if you’re looking for easy ways to arrange your travel cash.

Wise features

CardFees for spendingATM feesWithdraw limitAnnual feeApp availableTrustpilot score
Visa or Mastercard Debit CardNo fees to spend currencies you hold

Some fee free withdrawals monthly, with low fees after that

7,000 NZD a monthN/AiOS & Android4.2 / 5 (200,000+)

Wise travel card pros and cons

  • Hold and exchange 40+ currencies with the mid-market rate
  • Spend seamlessly in EUR when you travel
  • Some free ATM withdrawals every month, for those times only cash will do
  • Ways to receive payments to your Wise account conveniently
  • Manage your account and card from your phone
  • 14 NZD delivery fee for your first card
  • ATM fees apply once you've exhausted your monthly free withdrawals
  • Physical cards may take 7 - 10 days to arrive (you can use your virtual card right away)

How to apply for a Wise card

Here’s how to apply for a Wise account and order a Wise  travel card in New Zealand:

  1. Open the Wise app or desktop site

  2. Select Register and confirm you want to open a personal account

  3. Register with your email, Facebook, Apple or Google ID

  4. Upload your ID document to complete the verification step

  5. Tap the Cards tab to order your card

  6. Pay the one time 14 NZD fee, confirm your mailing address, and your card will be on the way, and should arrive in 7 - 10 days

Revolut travel card

Delivered in New ZealandDelivered in New ZealandDifferent account plansDifferent account plansVisa debit cardVisa debit card5 currencies5 currencies

Revolut has recently launched in New Zealand, initially with the Standard plan only - with a view to rolling out additional plan options overtime. If you choose a Revolut Standard plan there are no monthly fees - the higher tier options typically have monthly charges but unlock extra features and benefits. All accounts come with a smart Revolut card you can use in Estonia, with some no fee ATM withdrawals and currency conversion monthly, depending on the plan you pick. Use your Revolut account to hold and exchange 5 currencies, and get extras based on your account tier, like account options for under 18s, budgeting tools and more.

Revolut features

CardFees for spendingATM feesWithdraw limitAnnual feeApp availableTrustpilot score
Visa Debit CardNo fees to spend currencies you hold

Some no fee withdrawals monthly based on account tier, with low fees after that

Up to the currency equivalent of 3,000 GBP per dayN/A - monthly fees apply for some account tiersiOS & Android4.2 / 5 (147,000+)

Revolut travel card pros and cons

  • Pick the Revolut account plan that suits your spending needs
  • Hold and exchange 5 currencies, and spend in 150 countries
  • Accounts come with different card types, depending on which you select
  • All accounts have some no fee currency exchange and some no fee ATM withdrawals monthly
  • Some account tiers have travel perks like complimentary or discounted lounge access
  • You need to upgrade to an account with a monthly fee to get all account features
  • Delivery fees may apply for your travel card
  • Fair usage limits apply once you exhaust your currency conversion and ATM no fee allowances
  • Out of hours currency conversion has additional fees

How to apply for a Revolut card

Set up your Revolut account before you leave New Zealand and order your travel card. Here’s how:

  1. Download and open the Revolut app

  2. Register by adding your personal and contact information

  3. Upload your ID document to complete the verification step

  4. Follow the prompts to confirm your address and order your card

  5. Pay any required delivery fee - costs depend on your account type

OneSmart travel card

Delivered in New ZealandDelivered in New ZealandVisa/Mastercard debit cardVisa/Mastercard debit card9 currencies9 currencies

If you’re an Air New Zealand customer, the OneSmart card is a way to spend and make withdrawals in Estonia while earning rewards. You can earn Airpoints dollars as you spend in 9 major currencies including NZD.

It’s worth checking that EUR is supported for holding and exchange before you start to use your card, as holding a currency balance can make it more convenient when you’re abroad. It’s also worth noting that there’s a 2.5% currency conversion fee when you need to switch from one currency to another, which is worth factoring into your budget before you fly.

OneSmart features

CardFees for spendingATM feesWithdraw limitAnnual feeApp availableTrustpilot score
Visa or Mastercard Debit Card

No fees to spend currencies you hold

2.5% currency conversion fee

3 fee free withdrawals monthly, with low fees after that which vary, around 3 NZD

3,000 NZD a day1 NZD a month fee appliesiOS & AndroidNot active on Trustpilot

OneSmart travel card pros and cons

  • Hold 9 currencies
  • Earn rewards and Airpoints dollars as you spend
  • No fee to spend a currency you hold
  • Mastercard for global acceptance
  • 2.5% currency conversion fee
  • ATM fees apply once you've made a few withdrawals
  • Ongoing fee of 1 NZD a month
  • Exchange rate markup of 3.6% on average when loading supported currencies

How to apply for a OneSmart card

Here’s how to apply for a OneSmart account and order a travel card in New Zealand:

  1. Visit the OneSmart website or app

  2. Click Apply

  3. Complete the details, following the onscreen prompts

  4. Get verified and top up your account

  5. You’ll need to activate your card once you have it, in order to start spending

Travelex travel card

Delivered in New ZealandDelivered in New ZealandMastercard debit cardMastercard debit cardNo ATM withdrawal feeNo ATM withdrawal fee9 currencies9 currencies

Use your Travelex travel card for spending in Estonia and beyond. Order your card online for delivery or collection, or just call into a Travelex location with your normal ID documents to take your card away instantly. Travelex cards can hold 9 major currencies, and you can spend globally wherever you see the Mastercard symbol.

Whenever you need to convert currencies, the exchange rate used is set by Travelex and Mastercard, and may include a markup. There’s also a 4% fee to spend a currency you don’t hold in your account, so do double check EUR is supported before you decide on this card option. Local ATM withdrawals may come with a fee - but there’s no ATM fee abroad.

Travelex features

CardFees for spendingATM feesWithdraw limitAnnual feeApp availableTrustpilot score
Mastercard Debit CardNo fees to spend a currency you hold - 4% foreign transaction fee when spending a currency you don't hold

No fees

3,000 NZD per dayN/AiOS & Android4 / 5 (1,500)

Travelex travel card pros and cons

  • Hold 9 major currencies
  • Order online or in person, for delivery to home, or in store collection
  • No international ATM fees
  • Mastercard perks available to cardholders
  • 24/7 emergency support
  • Fees may apply to get your card if you order it in person
  • Exchange rate markup of 4.6% on average when loading supported currencies
  • Inactivity fees apply after 12 months of not using your card, and a close out cost may be applied to retrieve any remaining balance

How to apply for a Travelex card

Get your Travelex card in New Zealand by either ordering online or calling into a local Travelex store with your ID document. You can get the card delivered to your home if you’d like to - or collect it in a store.

Cash Passport travel card

Delivered in New ZealandDelivered in New ZealandMastercard debit cardMastercard debit cardAirport lounge accessAirport lounge accessIn-store/online collectionIn-store/online collection

The Mastercard Cash Passport can be a handy option for spending in Estonia, which can also be collected in person instantly in a selection of stores if you don’t have time to wait for a delivery. You can add money in NZD to convert to 10 currencies at the time of writing. As supported currencies can change you’ll want to check whether EUR is available before you get your card. If you don’t convert your money in advance or if you spend in an unsupported currency, a foreign transaction fee of 5.95% applies which pushes up the costs overall.

Cash Passport features

CardFees for spendingATM feesWithdraw limitAnnual feeApp availableTrustpilot score
Mastercard Debit Card

No fees to spend currencies you hold

5.95% fee to spend a currency you don't hold

Varied by country, around the equivalent of 4 NZD

3,000 NZD a dayN/AiOS & AndroidNot active on Trustpilot

Cash Passport travel card pros and cons

  • Hold 9 currencies
  • Earn rewards and Airpoints dollars as you spend
  • No fee to spend a currency you hold
  • Mastercard for global acceptance
  • 2.5% currency conversion fee
  • ATM fees apply once you've made a few withdrawals
  • Ongoing fee of 1 NZD a month
  • Exchange rate markup of 4.3% on average when loading supported currencies

How to apply for a Cash Passport card

You can pick up your Cash Passport card in New Zealand by either ordering online or calling into a local partner store with your ID document. Partner stores include Travel Money Oz and House of Travel.

Westpac travel card

Delivered in New ZealandDelivered in New ZealandMastercard debit cardMastercard debit cardNo ATM feesNo ATM fees9 currencies9 currencies

The Westpac Global Currency Card is available whether or not you’re already a Westpac customer, and can be handy when you head off to Estonia. Order your card online and add money in NZD from your bank account or with a card, to spend and make withdrawals in EUR easily. 9 currencies are supported at the point of writing - it’s worth double checking the currency or currencies you’re going to need are available for holding a balance, as there’s a high fee of 5.95% to spend a currency you don’t have in your account. There are no Westpac international ATM fees, and no ongoing charges for this card.

Westpac features

CardFees for spendingATM feesWithdraw limitAnnual feeApp availableTrustpilot score
Mastercard Debit Card

No fees to spend currencies you hold

5.95% fee to spend a currency you don't hold

No fee

3,000 NZD a dayN/AiOS & AndroidNot active on Trustpilot

Westpac travel card pros and cons

  • Hold 9 currencies
  • No card order fee or ongoing charges
  • No Westpac international ATM fee
  • Not linked to your everyday account
  • Full range of other banking products also available if you need them
  • 5.95% fee to spend a currency you don't hold
  • Domestic ATM fees apply
  • Exchange rate markup of 4.7% on average when loading supported currencies

How to apply for a Westpac  card

Here’s how to apply for a Westpac  account and order a  travel card in New Zealand:

  1. Visit the Westpac website or app

  2. Click Apply

  3. Complete the details, following the onscreen prompts

  4. Get verified if you’re not already a customer

  5. Top up your account

  6. Your card will arrive by post in a few days or you can collect in branch

What is a travel money card?

A travel money card is a card you can use for secure and convenient payments and withdrawals overseas.

You can use a travel money card to tap and pay in stores and restaurants, with a wallet like Apple Pay, or to make ATM withdrawals so you'll always have a bit of cash in your pocket when you travel.

Although there are lots of different travel money cards on the market, all of which are unique, one similarity you'll spot is that the features and fees have always been optimised for international use. That might mean you get a better exchange rate compared to using your normal card overseas, or that you run into fewer fees for common international transactions like ATM withdrawals.

Travel money cards also offer distinct benefits when it comes to security. Your travel money card isn't linked to your New Zealand Dollar everyday account, so even if you were unlucky and had your card stolen, your primary bank account remains secure.

Travel money vs prepaid card vs travel credit card

It's helpful to know that you'll be able to pick from several different types of travel cards, depending on your priorities and preferences. Travel cards commonly include:

  • Travel debit cards
  • Travel prepaid cards
  • Travel credit cards

They all have distinct benefits when you head off to Estonia or elsewhere in the world, but they do work a bit differently.

Travel debit and prepaid cards are usually linked to an online account, and may come from specialist digital providers - like the Wise card. These cards are usually flexible and cheap to use. You'll be able to manage your account and card through an app, although you can also often add money in person by visiting a branch - we've picked out the Westpac travel card and the Travelex travel card as popular prepaid cards with a branch network in New Zealand, for example.

Travel credit cards are different and may suit different customer needs. As with any other credit card, you may need to pay an annual fee or interest and penalties depending on how you manage your account - but you could also earn extra rewards when spending in a foreign currency, or travel benefits like free insurance for example. Generally using a travel credit card can be more expensive compared to a debit or prepaid card - but it does let you spread out the costs of your travel across several months if you'd like to and don't mind paying interest to do so.

What is a prepaid travel money card best for?

Let's take a look at the advantages of using a prepaid travel money card for travellers going to Estonia. While each travel card is a little different, you'll usually find some or all of the following benefits:

  • Hold and exchange foreign currencies - allowing you to lock in exchange rates and set a travel budget before you leave
  • Convenient for spending in person and through mobile wallets like Apple Pay, as well as for cash withdrawals
  • You may find you get a better exchange rate compared to your bank - and you'll usually be able to avoid any foreign transaction fee, too
  • Travel cards are secure as they're not linked to your everyday NZD account - and because you can make ATM withdrawals when you need to, you can also avoid carrying too much cash at once

Overall, travel cards offer flexible and low cost ways to avoid bank foreign transaction and international ATM fees, while accessing decent exchange rates.

How to choose the best travel card for Estonia

We've picked out 6 great travel cards available in New Zealand - but there are also more options available, which can make choosing a daunting task. Some things to consider when picking a travel card for Estonia include:

  • What exchange rates does the card use? Choosing one with the mid-market rate or as close as possible to it is usually a smart plan
  • What fees are unavoidable? For example, ATM charges or top up fees for your preferred top up methods
  • Does the card support a good range of currencies? Getting a card which allows you to hold and spend in EUR can give you the most flexibility, but it's also a good idea to pick a card with lots of currency options, so you can use it again in future, too
  • Are there any other charges? Check in particular for foreign transaction fees, local ATM withdrawal fees, inactivity fees and account close fees

Ultimately the right card for you will depend on your specific needs and preferences. If you're looking for a low cost card with the mid-market rate, which you can use in 150+ countries, the Wise card may be a good fit. If you'd prefer to pay a monthly fee to get higher no-fee transaction limits, take a look at Wise. And if you need to get a card in a hurry, check out a travel card from a provider with a physical branch network, like the Westpac card or the Travelex travel money card.

What makes a good travel card for Estonia

The best travel debit card for Estonia really depends on your personal preferences and how you like to manage your money.

Overall, it pays to look for a card which lets you minimise fees and access favourable exchange rates - ideally the mid-market rate. While currency exchange rates do change all the time, the mid-market rate is a good benchmark to use as it's the one available to banks when trading on wholesale markets. Getting this rate, with transparent conversion fees, makes it easier to compare costs and see exactly what you're paying when you spend in EUR.

Other features and benefits to look out for include low ATM withdrawal fees, complimentary travel insurance, airport lounge access or emergency cash if your card is stolen. It's also important to look into the security features of any travel card you might pick for Estonia. Look for a card which uses 2 factor authentication when accessing the account app, which allows you to set instant transaction notifications, and which has easy ways to freeze, unfreeze and cancel your card with your phone.

For Estonia in particular, choosing a card which offers contactless payments and which is compatible with mobile wallets like Apple Pay could be a good plan. Card payments are extremely popular in Estonia - so having a card which lets you tap and pay easily can speed things up and make it more convenient during your trip.

Ways to pay in Estonia

Cash and card payments - including contactless, mobile wallet, debit, credit and prepaid card payments - are the most popular ways to pay globally.

In Estonia, both card payments and cash payments are common. You'll be able to make Chip and PIN or contactless payments or use your favourite mobile wallet like Apple Pay to tap and pay on the go, but it's still worth having a little cash on you just in case - and for the odd situations where cash is more convenient, such as when tipping or buying a small item in a market.

Which countries use EUR?

You'll find that EUR can be used in several countries around the world. You may decide to keep your travel card topped up with a balance for this trip to France or for the next time you're headed somewhere which uses EUR.

Euro
Currency nameEuro
ISO codeEUR
Symbol
EUR denominationsbanknotes - €5, €10, €20, €50, €100 and coins - 1c, 2c, 5c, 10c, 20c, 50c, €1, €2
Best travel cards to take to EstoniaWise,Revolut,OneSmart,Travelex,Cash Passport,Westpac

What should you be aware of when travelling to Estonia

You're sure to have a great time in Estonia - but whenever you're travelling abroad it's worth putting in a little advance thought to make sure everything is organised and your trip goes smoothly. Here are a few things to think about:

1. Double check the latest entry requirements and visas - rules can change abruptly, so even if you're been to Estonia before it's worth looking up the most recent entry requirements so you don't have any hassle on the border

2. Plan your currency exchange and payment methods - you can change NZD to EUR before you travel to Estonia if you'd like to, but as card payments are common, and ATMs widely available, you can actually leave it until you arrive to get everything sorted as long as you have a travel money card. Top up your travel money card in NZD and either exchange to EUR in advance or at the point of payment, and make ATM withdrawals whenever you need cash. Bear in mind that currency exchange at the airport will be expensive - so hold on until you reach Estonia to make an ATM withdrawal in EUR if you can.

3. Get clued up on any health or safety concerns - get travel insurance before you leave New Zealand so you have peace of mind. It's also worth reading up on any common scams or issues experienced by tourists. These tend to change over time, but may include things like rip off taxis or tour agents which don't offer fair prices or adequate services.

Conclusion - Best travel cards for Estonia

Ultimately the best travel card for your trip to Estonia will depend on how you like to manage your money. Use this guide to get some insights into the most popular options out there, and to decide which may suit your specific needs.

How does a Euro card work?

Getting a Euro card can make managing your money easier when you travel to Estonia.

Your Euro card will be linked to a digital account you can manage from your phone, so you'll always be able to see your balance, get transaction notifications and manage your card no matter where you are. Just add money to your account in pounds, and - depending on your preferences and the specific card you pick - you can either convert your balance to Euro instantly, or just let the card do the conversion when you spend or make a withdrawal.

If your card gives you the option to hold a Euro balance, there's not normally any extra fee to spend the Euro you have in your account when you're in Estonia.

Can I withdraw Euro currency with my card in Estonia?

With some cards, you'll be able to add money to your card in New Zealand Dollar, and then convert to Euro instantly online or in your card's app.

Once you have a balance in Euro you can spend with your card with no extra fees - just tap and pay as you would at home. You'll also be able to make cash withdrawals whenever you need to, with no extra conversion fee to pay. Your card - or the ATM operator - may charge a withdrawal fee, but this can still be a cheap, secure and convenient option for getting cash when you need it.

With other cards, you can't hold a balance in Euro on your card - but you can leave your money in New Zealand Dollar and let the card convert your money for you when you spend and withdraw.

Some fees may apply here - including currency conversion or foreign transaction charges - so do compare a few different cards before you sign up, to make sure you're picking the one which best suits your specific spending needs.

Bear in mind though, that not all cards support all currencies - and the range of currencies available with any given card can change from time to time. If your card doesn't let you hold a balance in Euro you might find that fees apply when you spend in Estonia, so it's well worth double checking your card's terms and conditions - and comparing the options available from other providers - before you travel, just in case.

Why should I get a Euro card?

Getting a Euro card means you can spend like a local when you're in Estonia. You'll be able to check your Euro balance at a glance, add and convert money on the move, and use your card for secure spending and withdrawals whenever you need to. Best of all, Euro cards from popular providers often offer good exchange rates and low, transparent fees, which can mean your money goes further when you're on a trip abroad.

FAQ - best travel cards for Estonia

What are ATM fees?

When you use a travel money card you may find there’s an ATM withdrawal fee from your card issuer, and there may also be a cost applied by the ATM operator. Some of our travel cards - like the Wise and Revolut card options - have some no fee ATM withdrawals every month, which can help keep down costs.

Travel money card vs prepaid travel card

Travel money cards may be debit, prepaid or credit cards. Which is best for you will depend on your personal preferences. Debit and prepaid cards are usually pretty cheap and secure to spend with, while credit cards may have higher fees but often come with extra perks like free travel insurance and extra reward points.

What's the best prepaid card to use internationally?

There’s no single best prepaid card for international use. Look out for one which supports a large range of currencies, with good exchange rates and low fees. This guide can help you compare some popular options, including Wise, Revolut and Westpac.

Can I use my debit card from New Zealand in Estonia?

Yes, you can use your local debit card when you’re overseas. However, it’s common to find extra fees apply when spending in foreign currencies with a regular debit card. These can include foreign transaction fees and international ATM charges.

What is the best way to pay when travelling in Estonia?

Usually having a selection of ways to pay - including a travel card, your credit or debit card, and some cash - is the best bet. That means that no matter what happens, you have an alternative payment method you can use conveniently.

Can I take cash out from my travel debit card?

Yes. Most travel debit cards have options to make ATM withdrawals. Check the fees that apply as card charges do vary a lot. Some cards have local and international fees on all withdrawals, while others like Wise and Revolut, let you make some no fee withdrawals monthly before a fee kicks in.

Is Visa or Mastercard better for Estonia?

Both Visa and Mastercard are globally accepted. Look out for the logo on ATMs and payment terminals in Estonia.

Best travel cards: our methodology

The cards you see on this page are ordered as follows:

For card providers that publish their exchange rates on their website, we used their NZD / EUR rate to calculate how much Euro you would receive when exchanging / spending $6,000 NZD. The card provider offering the most EUR is displayed at the top, the next highest below that, and so on.

The rates were collected at 09:36:26 GMT on 25 May 2024.

Below this we display card providers for which we could not verify their exchange rates. These are displayed in alphabetical order.