Your Existing Card vs Revolut
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
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
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
| Feature | Your Existing Card | Revolut |
|---|---|---|
| Method | Your existing card | App / Card |
| Exchange Rate | Bank rate (2-5% markup) | Near mid-market |
| Fees | 1-3% foreign transaction | Low + free ATM limit |
| Setup Required | None | App + card (1-2 weeks) |
| ATM Cash Withdrawal | Most ATMs | 7-Eleven, Post Office, Aeon |
| Best For | No preparation needed | Frequent travelers |
Pros & cons
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
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
Our verdict
Revolut edges ahead with 4.4/5. Both are solid choices — pick based on your priorities.