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Mastercard Multi-currency Cash Passport review

Updated September 28, 2026 · SumCue Editorial Team · Facts checked September 26, 2026

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Our verdict

Mastercard Multi-currency Cash Passport is a prepaid card for UK travellers who want local currency in hand before a trip rather than after landing. The trade-off is plain: 22 currencies sit behind a conversion fee of 5.75%, which is high for this market.

Key facts

Best for
Travellers holding several currencies before a trip who want a prepaid card rather than a bank account.
Currency conversion fee
5.75%↗
Card type
Prepaid↗
Top-up fee
2% on Pound Sterling wallet top up; free on foreign currency wallets↗
Card network
Mastercard↗
Currencies
22↗
Legal entity
PrePay Technologies Limited↗
Support channels
Email, Phone, Help-centre↗
Features
Multi-currency, Travel
Official website
cashpassport.com

Facts checked September 26, 2026, 4 sources

Apps and profiles

Get the app
App Store

Pros and cons

Pros

  • Holds 22 currencies, so one card can cover a trip that spans several countries.
  • Foreign currency wallets are topped up free of charge, while a top up fee applies on pound sterling wallets.
  • Support runs on email, phone and help centre, so phone and email are both available.
  • Built for multi currency and travel, with the card running on the mastercard network.

Cons

  • The currency conversion fee of 5.75% leaves the card at 254 of 258 on the site for that measure.
  • The top up fee applies on pound sterling wallet top ups, so sterling has to be loaded with that charge in mind.
  • The balance is held by PrePay Technologies Limited in a prepaid account, which is a different arrangement from holding money in a bank account.
Mastercard Multi-currency Cash Passport

Ready to try Mastercard Multi-currency Cash Passport?

Scored 8.6 / 10 by SumCue.

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Who it suits

  • UK travellers who want local currency ready before departure rather than sorting it out on arrival.
  • People visiting several countries on one trip who want a single card instead of juggling bank cards and local cash.
  • Anyone who wants help by phone or email, since support runs on email, phone and help centre.

Who should look elsewhere

  • Wise, where conversion costs 0.1%, for readers who convert often while abroad.
  • bunq, where conversion fees run 0.5% to 3%, for trips centred on the euro.
  • Varo Believe Secured Credit Card, a debit card, for readers who would rather spend from a bank balance than load a prepaid wallet.

Fees and FX

The main cost is the currency conversion fee of 5.75%. The top up fee is a separate line: it applies on pound sterling wallet top ups, while top ups of foreign currency wallets are free. So the two fees pull in different directions, and the cheaper route is to fund the foreign currency wallets rather than the sterling one.

How Mastercard Multi-currency Cash Passport compares

Where Mastercard Multi-currency Cash Passport is available

Available
Australia, Canada, Japan, Malawi, New Zealand, Qatar, South Africa, United Kingdom
Licence in United Kingdom
Financial Conduct Authority (900010), checked September 26, 2026

Countries from the brand (Source, checked September 26, 2026)

Frequently asked questions

How much does it cost to use the card abroad?+

The currency conversion fee is 5.75%, and it is the main cost of spending abroad. There is also a top up fee that applies on pound sterling wallet top ups, while foreign currency wallets are topped up free of charge. Loading the wallets needed before the trip keeps the total predictable.

Who runs the account, and what licence covers it?+

The account is run by PrePay Technologies Limited, authorised by the Financial Conduct Authority under reference 900010 in the UK. The card is a prepaid card, so the balance is loaded by you rather than held as a bank deposit.

What kind of card is it and how does it work?+

The card is a prepaid card on the mastercard network, and it holds 22 currencies at once. Each currency sits in its own wallet, which is why the top up fee distinguishes pound sterling wallets from foreign currency ones.

How do I get help if something goes wrong abroad?+

Support runs on email, phone and help centre, so a traveller can reach the team by phone or by email as well as through the help centre. The card sits on the mastercard network, and the operator behind the wallets is PrePay Technologies Limited.

Is the conversion fee competitive?+

Not especially. At 5.75%, the card ranks 254 of 258 on the site for currency conversion fee, and the prepaid card median is 0.4%. Wise lists 0.1% and bunq 0.5% to 3%, so conversion is cheaper elsewhere.

Who is this card for?+

It suits UK travellers who want local currency in hand before departure, since one card holds 22 currencies and the card is listed for multi currency and travel. Spending from a single foreign currency wallet also avoids the top up fee that applies on pound sterling wallets.

Would a bank card suit my trip better?+

A prepaid wallet keeps travel money apart from day to day banking, and this card holds 22 currencies. If the spend comes from a bank balance, a debit card such as Varo Believe Secured Credit Card is debit, while Wise charges 0.1% on conversion.

Sources

  • cashpassport.mastercard.com/uk checked September 26, 2026

    Backs: Currencies, Features

    “One Card, Twenty Two Currencies. ... Load up to 22 different currencies on one card.”

  • cashpassport.mastercard.com/uk/contact-us checked September 26, 2026

    Backs: Support channels

    “Email us at cardservices_prepaid@mastercard.com ... Be sure to check out our help centre first. ... UK - 0800 056 0572”

  • cashpassport.mastercard.com/uk/fees-and-limit checked September 26, 2026

    Backs: Currency conversion fee, Legal entity, Top-up fee, Licences

    “Foreign exchange fee 5.75% Fee for using your card for a transaction in a currency which is not available on your card”

  • cashpassport.mastercard.com/uk/help checked September 26, 2026

    Backs: Card type, Card network

    “The Multi-currency Cash Passport is a chip and PIN protected prepaid Mastercard® currency card.”

Compiled from 4 source pages, checked September 26, 2026. We did not open an account.

Not confirmed yet: Monthly fee, Free ATM withdrawals, Protection.

Mastercard Multi-currency Cash Passport

Mastercard Multi-currency Cash Passport

Travellers holding several currencies before a trip who want a prepaid card rather than a bank account.

8.6/10See alternatives