Revolut vs Your Existing Card
Which money exchange is better for your Japan trip?
Y
Your Existing Card
3.5
Zero preparation needed — use your current debit or credit card.
Feature comparison
Revolut
MethodApp / Card
Exchange RateNear mid-market
FeesLow + free ATM limit
Setup RequiredApp + card (1-2 weeks)
ATM Cash Withdrawal7-Eleven, Post Office, Aeon
Best ForFrequent travelers
Your Existing Card
MethodYour existing card
Exchange RateBank rate (2-5% markup)
Fees1-3% foreign transaction
Setup RequiredNone
ATM Cash WithdrawalMost ATMs
Best ForNo preparation needed
| Feature | Revolut | Your Existing Card |
|---|---|---|
| Method | App / Card | Your existing card |
| Exchange Rate | Near mid-market | Bank rate (2-5% markup) |
| Fees | Low + free ATM limit | 1-3% foreign transaction |
| Setup Required | App + card (1-2 weeks) | None |
| ATM Cash Withdrawal | 7-Eleven, Post Office, Aeon | Most ATMs |
| Best For | Frequent travelers | No preparation needed |
Pros & cons
Revolut
- ✓Great exchange rates
- ✓Free ATM withdrawals up to monthly limit
- ✓Easy app interface
- ✗Weekend exchange rate markup applies
- ✗Free withdrawal limit then 2% fee
- ✗Must prepare before trip
Your Existing Card
- ✓Zero preparation needed
- ✓Works immediately on arrival
- ✓No new apps to learn
- ✗Foreign transaction fees 1-3% on every purchase
- ✗ATM fees from both banks
- ✗Worst exchange rate of all options
Our verdict
Revolut edges ahead with 4.4/5. Both are solid choices — pick based on your priorities.