> You may soon discover (depending on your jurisdiction) that topping up is no longer an option, because your actual bank starts treating these transactions as

> You may soon discover (depending on your jurisdiction) that topping up is no longer an option, because your actual bank starts treating these transactions as cash advances, 3%-4% fee (and trashing your credit rating too). This should not be an issue as long as the topup is done with a debit card. > Also, from an investment pov I think Apple Pay is going to crush them. Apple Pay doesn't have any "special" features that help with travel and paying in foreign currencies. Interestingly enough, Revolut supports Apple Pay in a couple of countries.