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<article>
<h2>20 Ways To Make Money Online</h2>
<p>Making money online is a dream for many people. The allure of working from home, setting your hours, and making a significant income is very tempting.</p>
<p>But knowing where to start or what opportunities are legitimate can be challenging.</p>
<p>In this article, we will explore 20 different ways that you can make money online. Some of these methods are very simple and require little to no investment, while others may require some skill or experience.</p>
<p>But there is something for everyone on this list, and we hope you find a method that works for you.</p>
<h2>1. Sell Products Online</h2>
<p>One of the simplest ways to make money online is to sell products you already have.</p>
<p>This could be anything from clothes to electronics to books. If you have any items that you no longer need or use, consider selling them online.</p>
<p>There are several different platforms that you can use to sell products online, such as eBay, Amazon, and Etsy.</p>
<h2>2. Provide Services Online</h2>
<p>Another great way to make money online is to provide services people are willing to pay for.</p>
<p>This could be anything from design work to technical support. If you have a skill or experience that you can offer others, there is likely a market for it online.</p>
<p>There are many different platforms that you can use to sell services online, such as Fiverr and Upwork.</p>
<h2>3. Write Articles For Money</h2>
<p>If you enjoy writing, you can make money by writing articles for different websites and publications. This is a great way to earn extra income and can be done from the comfort of your home.</p>
<p>You can use several websites to find writing gigs, such as Freelancer and iWriter.</p>
<p>It's no secret that writing can be a very lucrative career. Many people make a good living by writing articles for websites and publications. The amount of money you can make will vary depending on the website or publication, but it is generally possible to make several hundred dollars per article. So if you are a talented writer, there are many opportunities to make money online.</p>
<h2>4. Earn Money On YouTube</h2>
<p>If you enjoy making videos, you can make money by uploading them to Youtube. You can make money from ads that are displayed on your videos, or you can make money through Youtube&rsquo;s partner program.</p>
<p>To be eligible for the partner program, you must have a certain number of subscribers and views.</p>
<p>According to recent estimates, around five percent of Americans make a living from Youtube. This number is likely higher for people living in countries with a larger population.</p>
<p>Remember that making engaging videos that attract many viewers can be a long process. There is a steep learning curve that you will experience as a creator on YouTube.</p>
<h2>5. Sell Digital Products</h2>
<p>If you are creative, you can make money by selling digital products, such as e-books, courses, and templates. This is a great way to make passive income, as once you create the product, you can sell it repeatedly.</p>
<p>There are several different platforms that you can use to sell digital products, such as Gumroad and Sellfy.</p>
<h2>6. Monetize A Blog Or Website</h2>
<p>If you have a blog or website, you can make money by placing ads on your site or selling products through your site.</p>
<p>You can also make money through affiliate marketing, promoting other people&rsquo;s products on your site, and earning a commission when someone buys through your link.</p>
<p>While this is a popular strategy to monetize your blog, it can take several months or years until you have established your site as a trustworthy authority on a given subject. It takes hard work and long hours to succeed in affiliate marketing.</p>
<h2>7. Use Google AdSense Or Mediavine</h2>
<p>You may generate money through Google's AdSense program by displaying advertisements on your blog or website.</p>
<p>You will be paid every time someone clicks on an ad, and the amount you make will depend on the type of ad and the amount of traffic you have.</p>
<p>Mediavine is the best alternative to Google's AdSense. This ad network offers excellent support and terms if you manage to get listed. To be accepted on Mediavine, you have to get at least 50,000 unique visitors to your site per month.</p>
<h2>8. Sell Photos Online</h2>
<p>You can make money by selling your photos online if you are a good photographer. There are several different platforms that you can use to sell your photos, such as Shutterstock and iStockphoto.</p>
<p>To sell photos online, you must ensure that your photos are of high quality. You will also need to ensure you have the right to sell them.</p>
<p>Some platforms, such as Shutterstock and iStockphoto, require you own the copyright to the photos you submit.</p>
<h2>9. Create An Online Course</h2>
<p>You can make money by creating an online course if you have knowledge or expertise in a particular area.</p>
<p>This could be anything from cooking to programming.</p>
<p>There are several different platforms that you can use to create and sell your courses, such as Udemy, Thinkific, and Skillshare.</p>
<p>Creating an online course is a great way to make money, and it can be done from the comfort of your home.</p>
<p>You will need some essential equipment and software to create an online course. You will also need to create a course outline and recording scripts. Here are some tips on how to get started.</p>
<div class="tips-box">
<ol>
<li>Choose a topic you are passionate about and know about. This will make creating the course much easier and more enjoyable.</li>
<li>Research the market to see if there is a demand for your course. You can search for similar courses on sites like Udemy and Skillshare.</li>
<li>Choose a platform to host your course. There are several different platforms that you can use.</li>
<li>Create a course outline and recording scripts. This will make creating the course much easier and ensure it is well-structured.</li>
<li>Record your videos and upload them to your chosen platform.</li>
<li>Promote your course to ensure people are aware of it. You can do this through social media, paid ads, or creating a sales page for your course.</li>
<li>7. Launch your course and start making money!</li>
</ol>
</div>
<h2>10. Start A Podcast</h2>
<p>If you enjoy talking, you can make money by starting a podcast.</p>
<p>You can make money through ads that are played on your podcast, or you can make money through affiliate marketing.</p>
<p>To be successful with a podcast, you need to have a large and engaged audience and brands willing to sponsor your podcast episodes. Monetizing a podcast can be difficult, and it's certainly not the easiest way to make money online.</p>
<p>To start a podcast, you will need some essential equipment and software. You will also need to create a course outline and recording scripts.</p>
<h2>11. Use Crowdlending Platforms</h2>
<p>Making money with <a href="https://p2pempire.com/en/crowdlending">crowdlending</a> platforms is a great way to generate passive income. There are several different platforms that you can use, such as <a href="https://p2pempire.com/en/review/peerberry">PeerBerry</a> and <a href="https://p2pempire.com/en/review/estateguru">EstateGuru</a>.</p>
<p>With these platforms, you can loan money to individuals or businesses and earn interest on the loans.</p>
<p>Explore our <a href="https://p2pempire.com/en/review">reviews here on P2P Empire</a> to find the <a href="https://p2pempire.com/en/best-p2p-lending-platforms-europe">best P2P lending platform</a>.</p>
<h2>12. Participate In Online Surveys</h2>
<p>You can make money by participating in online surveys. Several different companies offer online surveys, such as Survey Junkie and Swagbucks.</p>
<p>You will be paid for each survey you complete, and the amount you make will depend on the length and complexity of the survey.</p>
<p>This will depend on the company you are working for and the type of survey you are completing. Typically, you will be paid between $0.50 and $5.00 per survey.</p>
<h2>13. Create Voiceovers</h2>
<p>If you have a pleasant speaking voice, you may get money by performing voiceovers.</p>
<p>There are many different websites that you can use to find voiceover gigs, such as Fiverr and Upwork.</p>
<p>To do voiceovers, you will need a good quality microphone. You'll also need somewhere quiet to record that isn't distracting for listeners. While finding clients may take some time, it can pay off in the long run.</p>
<h2>14. Transcribe Articles</h2>
<p>If you are good at transcribing, you can make money by transcribing audio files. Several different companies offer transcription work, such as Rev and Scribie.</p>
<p>To transcribe audio files, you will need a good-quality headset. While transcribing, you'll also want a relatively quiet area to concentrate. Background noise might be distracting when transcribing, so ensure you are not working in a coffee shop.</p>
<h2>15. Do Customer Service Work</h2>
<p>You may earn money by providing customer service if you enjoy assisting others. Many different companies offer customer service work, such as LiveOps and Arise.</p>
<p>You will need a quiet area to work in and a good headset to do customer service work. You'll also need to be able to type quickly and accurately.</p>
<h2>16. Do Data Entry Work</h2>
<p>You can make money by doing this work if you are good at data entry. Many companies offer data entry work, such as Clickworker and DionData Solutions.</p>
<p>You will need a computer and a good internet connection for data entry work. You'll also need to be able to type quickly and accurately.</p>
<h2>17. Online Research</h2>
<p>If you like conducting research, this could be an excellent supplement to your income. Different companies offer online research, such as Leapforce and Lionbridge.</p>
<p>You will need a computer and a good internet connection to research online. Some online companies that focus on research require their contractors to do cold calls to gather valuable first-hand information.</p>
<p>Generally, you will be hired on a need basis. You should have to have excellent communication skills to achieve your targets.</p>
<h2>18. Sell In eBay</h2>
<p>You can make money by selling items on eBay if you enjoy selling things.</p>
<p>To succeed on eBay, you need to find items that are in demand and priced reasonably.</p>
<p>You'll also need to take good pictures and write clear and concise descriptions.</p>
<h2>19. Sell Handmade Items Online</h2>
<p>If you have a knack for creating things, you may earn money by selling your handmade goods on the internet.</p>
<p>You can use different websites to sell your handmade items, such as Etsy and Artfire.</p>
<p>When selling handmade items online, it's critical to sell high-quality goods at a fair price. You should also take excellent pictures and write clear and concise descriptions.</p>
<h2>20. Be A Virtual Assistant</h2>
<p>If you're organized and know about customer service, you may make money by working as a virtual assistant. Many companies offer virtual assistant work, such as Zirtual and Time Etc.</p>
<p>You will need a computer and a good internet connection to work as a virtual assistant. You'll also need to be able to type quickly and accurately.</p>
<p>Contact us if you are interested in finance and can write engaging articles. We are always looking to hire talented people interested in working with P2P Empire.</p>
<h2>How Long Does It Take To Make Money Online?</h2>
<p>There is no definitive answer to this question. It depends on several factors, such as the type of work you're doing, the amount of time you're willing to spend, and the amount of money you're hoping to make.</p>
<p>You can be sure that it won't be easy. Making money online takes time and skill. Commonly, for the first few months, you won't be able to make a living out of your earned money.</p>
<h2>Is Making Money Online Easy?</h2>
<p>There is no easy way to make money online. It takes dedication and hard work to make money online. However, there are many ways to make money online quickly and easily.</p>
<h2>Final Thoughts</h2>
<p>Making money online is a great way to make extra cash or a full-time income. There are several ways to make money online, and the amount you can make will depend on the method you choose and the amount of time and effort you're willing to put into it. If you decide to pursue your dream and make a living from online work, we recommend having enough money saved to support yourself for at least 12 months. Earning a substantial amount of money will take time, so you have to be patient.</p>
</article>

How To Make Money Online

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20+ Ways How To Make Money In One Hour

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<article>
<h2>How To Make Money With Your Phone Without Investment</h2>
<p>Do you want to make extra money? You are in luck! There are several ways to earn money online without investing in mobile.</p>
<p>This blog post will discuss some of the best methods for doing so. So whether you have a few minutes or a few hours each day, there is something for everyone! Keep reading to learn more.</p>
<h2>1. 💻 Take Online Surveys</h2>
<p>Many companies want to hear your opinion! They will pay you for your time and efforts by giving you surveys to complete. In return, you will get paid cash or gift cards.</p>
<p>Just be sure to read the site's terms and conditions before signing up so that you know how they operate.</p>
<p>A few popular survey sites include:</p>
<div class="checklist-box">
<ul>
<li><button class="redirect externaltext" value="pawns">pawns.app</button></li>
<li><button class="redirect externaltext" value="inboxdollars">inboxdollars.com</button></li>
<li>swagbucks.com</li>
<li>mypoints.com</li>
</ul>
</div>
<p>Take a few minutes daily to complete surveys, and you will start racking up the extra cash!</p>
<p>The requirements to join survey sites vary depending on the site.</p>
<p>However, most require that you are a United States or UK resident at least 18 years old. Additionally, some sites may require that you complete a survey before signing up.</p>
<p>This ensures that only interested individuals join the site. Join Inboxdollars today to get a free $5 sign-up bonus.</p>
<button class="redirect external_link_button promo" value="inboxdollars">Get $5 For Free With Inboxdollars</button>
<div class="tips-box">
<h3>Make Money With Pawns</h3>
<p>Pawns.app is one of the fastest-growing money-making apps that enables everyone to make money by completing surveys or sharing their unused bandwidth. The surveys usually take a few minutes and pay up to $2 each, so you can <a href="https://p2pempire.com/en/how-to-make-money-online">make money online</a> while commuting, during a commercial break, or whenever you have a few minutes free!</p>
<button class="redirect external_link_button promo" value="pawns">Get Started</button></div>
<h2>2. 🎧 Watch Videos Or Listen To Music</h2>
<p>This one is super easy! Many websites will pay you to watch videos or listen to music. All you have to do is create an account and start watching or listening. You can usually do this in your spare time, and it doesn't take much effort.</p>
<p>A few popular sites include:</p>
<div class="checklist-box">
<ul>
<li>slidejoy.com</li>
<li>cashcrate.com</li>
<li>fusioncash.net</li>
</ul>
</div>
<p>So why not get paid for something you would do anyway? It doesn't get much easier than that! For more tips, check out our guide on <a href="https://p2pempire.com/en/how-to-make-money-in-one-hour">how to make money in one hour</a>.</p>
<h2>3. 👤 Sign Up For Services</h2>
<p>Many companies will pay you to sign up for their services or complete offers. This is usually a way for them to get new customers. In return, they will give you a cash bonus.</p>
<p>Read the terms and conditions before completing any offers to know what you're getting into.</p>
<p>A few popular sites include:</p>
<div class="checklist-box">
<ul>
<li>instagc.com</li>
<li>cashcrate.com</li>
<li>rewardport.com</li>
<li>mypoints.com</li>
</ul>
</div>
<p>So, these are some great options to earn a little extra cash! Another worthy alternative is the <a href="https://p2pempire.com/en/review/bondora">Bondora Go &amp; Grow</a> product, where you get &euro;5 for free upon signing up.</p>
<h2>4. 📲 Download And Use Apps</h2>
<p>Many apps will pay you to use them. These are usually task-based, and you will get paid for completing the tasks. For example, you may be asked to take a picture of a store display or answer questions about a product.</p>
<p>A few popular apps include:</p>
<div class="checklist-box">
<ul>
<li>fieldagent.net</li>
<li>gigwalk.com</li>
<li>easyShiftApp.com</li>
</ul>
</div>
<p>So if you have a few minutes here and there, why not make some extra money? T</p>
<h2>5. 👥 Participate In Focus Groups</h2>
<p>You can also participate in focus groups or surveys. These usually take longer than regular surveys, but you will be paid more for your time. Companies want your opinion on their products or services and are willing to pay for them!</p>
<p>A few popular sites include:</p>
<div class="checklist-box">
<ul>
<li>20/20 panel</li>
<li>Respondent .io</li>
<li>Survey Junkie</li>
</ul>
</div>
<p>These are great options if you want to make some extra cash! Participating in focus groups or surveys is a great way to do so.</p>
<h2>6. 🎍 Sell Products Online</h2>
<p>Do you have products that you no longer use? Or are you a crafter with handmade goods?</p>
<p>If so, you can sell them online! You can sell your products on many platforms, such as Etsy or Amazon. You can use your mobile and take photos of the stuff you want to sell online.</p>
<p>Ensure you have a thorough product description, so your customers can find your products more quickly.</p>
<p>If you dislike selling through a third-party marketplace, you can use various Facebook groups to list your goods.</p>
<h2>7. 🌐 Translate Text</h2>
<p>Are you from India, Pakistan, or the Philippines, and can you communicate in English? Many businesses are looking for native speakers of foreign languages to help scale their business in new markets.</p>
<p>You can use platforms like <button class="redirect externaltext" value="upwork">Upwork</button> to create an account and start offering translation services.&nbsp;</p>
<p>While completing tasks on a computer is beneficial, you might do it on your mobile phone. Translating is a great way to earn money online without investment.</p>
<p>Clients from the West appreciate excellent communication and a professional approach on <button class="redirect externaltext" value="upwork">Upwork</button>, so if you are serious about this job, ensure you can fulfill the expectations.</p>
<h2>8. 🎮 Play Games</h2>
<p>This one is for the gamers out there! You can get paid to play games. How cool is that?</p>
<p>Many companies will pay you to test new games or give your feedback on existing ones. So if you love playing games, why not get paid?</p>
<p>A few popular sites include:</p>
<div class="checklist-box">
<ul>
<li>playtestcloud.com</li>
<li>userlytics.com</li>
<li>enginyard.com</li>
</ul>
</div>
<p>PlaytestCloud supports mobile game testing, making it one of the trusted online money-making sites without investment. You can earn up to $36 / hour.</p>
<p>If you are into gaming, these are great options to earn extra cash! Why not get paid to do something you love?</p>
<p><mark>For more content, explore our guide on <a href="https://p2pempire.com/en/how-to-make-money-in-one-hour">how to make money in one hour</a>!</mark></p>
<h2>9. ☎️ Provide Customer Support</h2>
<p>Many companies are looking for customer support representatives. You can work from home and provide customer support to people worldwide!</p>
<p>A few popular sites include:</p>
<div class="checklist-box">
<ul>
<li>liveops.com</li>
<li>startek.com</li>
<li>convergys.com</li>
</ul>
</div>
<p>So, this is an excellent option if you're looking for a way to earn extra cash! You can <a href="https://p2pempire.com/en/how-to-make-money-from-home">make money from your home</a> and help people worldwide.</p>
<p>These are just a few of the many ways you can earn money online without investment in mobile. So if you're looking for ways to make some extra cash, these are some great options! Why not give them a try?</p>
<p><mark>Are you from the UK? Learn <a href="https://p2pempire.com/en/how-to-make-money-online-uk">how to make money online as a UK resident</a>.</mark></p>
<h2>10. 🎙️ Do Voiceovers</h2>
<p>In today's world, most of the marketing budget is spent on video and audio production. Many companies seek voiceover artists to translate videos or ads into other languages. If you can plug a microphone into your phone, you might as well record your voiceovers.&nbsp;</p>
<p>Clients looking for voiceover artists expect high-quality recordings in a dedicated language.</p>
<p>If you don't have a strong dialect or your dialect fits the demand of your clients, doing voiceovers can be a lucrative side hustle as it allows you to earn money online without investment. An easy way to do voiceovers is to apply for jobs on sites like <button class="redirect externaltext" value="upwork">Upwork</button> or <button class="redirect externaltext" value="fiverr">Fiverr</button>.</p>
<button class="redirect external_link_button promo" value="fiverr">Make Money With Voiceovers</button>
<h2>11. 🧪 Become A User Tester</h2>
<p>Websites such as enrollapp.com enable you to access these websites on your phone and report bugs. You can test websites from anywhere and earn attractive rewards, which will be paid to your Paypal account.</p>
<p>If you are looking for apps that pay you real money without investment, enrollapp.com is likely one of your best options.&nbsp;</p>
<h2>12. 👠&nbsp;Sell Pictures Of Your Feet</h2>
<p>If you are open to bizarre ways to earn money online with your phone without investment, selling pictures of your feet might be worth a shot.&nbsp;</p>
<p>With websites like <button class="redirect externaltext" value="funwithfeet">funwithfeet.com</button> you can offer a collection of pictures of your feet for sale. Users earn between $10 and $30 per collection. This website is ideal for making money from your phone. Just take a picture of your feet and upload it to the marketplace.</p>
<button class="redirect external_link_button promo" value="funwithfeet">Sell Your Feet Pics</button>
<h2>Final Takeaways</h2>
<p>Making money with your phone without investment might not be the most profitable way to earn an income. There are, however, a few worthy options on the internet that enable you to make money with your phone.</p>
<p>While most jobs will require you to put in some work, often, it may be worth your time to earn some extra cash on the side.&nbsp;</p>
</article>

How to Earn Money Online Without Investment In Mobile

Ready to learn how to earn money online without investment in mobile?  ⏩ Find out more about online earning without investment. Earn some extra cash now!

12 Ways How to Earn Money Online Without Investment In Mobile

Ready to start earning money from your phone?

<article>
<h2>7 Ideas On How To Make Money from Home</h2>
<p>There are many reasons why you might want to make money from home. Maybe you&rsquo;re looking for some extra spending money. Perhaps you need to make a little extra to make ends meet. Or maybe you want to be your own boss!</p>
<p>Whatever your reasons, there are several ways you can make money from home. Here are seven ideas to get you started:</p>
<h2>1. Get A Job That Allows You To Work From Home</h2>
<p>You can do many jobs from home, such as customer service, data entry, and virtual assistant work.</p>
<p>You can find these jobs on FlexJobs, Indeed, and Upwork.</p>
<p>Working from home is a dream for many people. But it&rsquo;s not as easy as it seems. To be successful, you need to be able to stay focused and get the work done.</p>
<h2>2. Start Your Own Business</h2>
<p>If you&rsquo;re looking for a way to make money from home, why not start your own business?</p>
<p>You can start several businesses with little to no money. For example, you can start a blog, an online store, or a YouTube channel.</p>
<p>Of course, starting your own business takes a lot of work, and it can take up to one year to start generating income from your business.</p>
<p>If you&rsquo;re looking to start a business from home, the best place to start is by researching your options.</p>
<h2>3. Sell Products And Services Online</h2>
<p>One of the best ways to make money from home is to sell products and services online. You can use several platforms to sell your products, such as Etsy, Amazon, and eBay.</p>
<p>You can also sell your services online. For example, if you&rsquo;re a freelance writer, you can sell your services on a site like Fiverr. Keep in mind, however, that there is a lot of competition on those platforms. So you will likely not make money fast.</p>
<p>You will need to get positive reviews first to attract new clients.</p>
<h2>4. Participate In Paid Online Surveys</h2>
<p>You can make money from home by participating in paid online surveys, which is for someone of the preferred ways to <a href="https://p2pempire.com/en/how-to-make-money-online">make money online</a>.</p>
<p>There are several paid survey sites in the UK. Some of the most popular ones include Survey Junkie, Panel Opinion, and Prolific Academic.</p>
<p>Paid surveys are a great way to make extra money in your spare time. However, they won&rsquo;t make you rich.</p>
<h2>5. Invest In Penny Stocks</h2>
<p>You could invest in penny stocks to make money from home.</p>
<p>Penny stocks are shares of small companies that trade for less than &pound;1 per share. They&rsquo;re risky, but they can offer big rewards in the long run.</p>
<p>You&rsquo;ll need to open an account with a penny stock broker.</p>
<p>The best penny stock broker in the UK is probably a site like Etoro. They offer a wide range of penny stocks and don&rsquo;t charge commission fees.</p>
<h2>6. Invest In P2P Loans</h2>
<p>Another way to make money from home is to invest in P2P loans.</p>
<p><a href="https://p2pempire.com/en/p2p-lending">P2P lending</a> is a type of investing where you loan money to individuals or businesses. The loans can be secured or unsecured.</p>
<p>Here on P2P Empire, we specialize in investing in P2P loans. While <a href="https://p2pempire.com/en/is-peer-to-peer-lending-safe">P2P lending is risky</a>, it can offer attractive returns if chosen wisely. Navigate to our reviews to learn more about individual P2P lending platforms.</p>
<h2>7. Invest In Crypto</h2>
<p>You could invest in crypto if you&rsquo;re looking for a high-risk, high-reward way to make money from home.</p>
<p>Cryptocurrencies are digital assets that use cryptography to secure their transactions.</p>
<p>Many of them are decentralized, which means they&rsquo;re not subject to government or financial institution control.</p>
<p>If you decide to invest in cryptocurrencies, you should only focus on the most popular ones, such as Bitcoin or Ethereum.</p>
<p>Investing in unknown crypto projects that sound too good to be true is the perfect recipe for losing your money.</p>
<p>A straightforward way to buy cryptocurrencies and earn interest is through <a href="https://p2pempire.com/en/crypto-lending">crypto lending platforms</a> such as <a href="https://p2pempire.com/en/review/youhodler">YouHodler</a>.</p>
<p>Learn more about the best crypto interest accounts here on P2P Empire.</p>
<h2>Conclusion</h2>
<p>Making money from home is possible. But it&rsquo;s not easy. You need to be willing to work hard and be disciplined.</p>
<p>The ideas above are just a few ways to make money from home. So if you&rsquo;re looking to make some extra money, why not try one of them?</p>
</article>

How To Make Money From Home

Here are 7 ideas how to make money from home ⏩ Start earning money today ⏩ Easy-to-follow strategies to earn money from home.

7 Ideas How To Make Money from Home In 2025

Looking for ideas about how to make money from home? Here they are!

<article>
<h2>20 Tested Ideas on How To Make Money Online In The UK</h2>
<p>Making money online in the UK can seem daunting. But it doesn't have to be! There are many real ways to make money online, and many are very easy. This guide will discuss 20 ways to start making money from home today. So we have something for you, whether you want to create your own business or make a little extra cash on the side!</p>
<h2>1. Start A Blog</h2>
<p>Starting a blog is one of the easiest ways to make money online. You can create a blog for as little as &pound;20, and many free platforms are available such as WordPress. You must choose a niche, write engaging content, and promote your blog through social media and other channels. Once you start getting traffic to your site, you can monetize it through advertising or affiliate marketing.</p>
<p>Blogging is a great way to make money online because it allows you to share your passions and expertise with the world. It can also be a very profitable business if done correctly.</p>
<p>The best way to start a blog is by using WordPress, which is the easiest and cheapest way to get started.</p>
<p>The process is very straightforward. First, buy a domain with the name of your website; you can do so at any domain registrar, such as GoDaddy or Namecheap.</p>
<p>Then, sign up for WordPress hosting with a company like SiteGround or WP Engine. Once your account is set up, you can install WordPress with a few clicks.</p>
<p>After that, start creating content! You can write about what other people are looking for. Remember that to succeed in the blogging business, you must become an authority on a dedicated topic.</p>
<p>As soon as you get 50,000 visitors to your blog, you can put ads on your website and earn passive income.</p>
<h2>2. Do Online Surveys</h2>
<p>You can make easy money by doing online surveys in your spare time. Companies are always looking for feedback from consumers, and they're willing to pay for it.</p>
<p>Many different companies offer online surveys, such as Survey Junkie and InboxDollars. You can sign up for as many companies as possible and take as many surveys as you like.</p>
<p>The amount of money you can make from online surveys varies depending on the length and complexity of the survey. You can expect to earn anywhere from a few pounds to a few hundred pounds per survey.</p>
<p>Most companies pay out in cash, but some offer rewards such as gift cards.</p>
<p>To get started, simply create an account with a survey company and take surveys!</p>
<p>You will need to provide basic information about yourself, such as your name and email address.</p>
<p>Once you're signed up, you can start taking surveys immediately.</p>
<p>Just be sure to complete your profile to be eligible for the highest-paying surveys.</p>
<p>You can also increase your earnings by referring friends and family to the survey company.</p>
<p>Many companies offer referral bonuses, so you can make even more money by taking advantage of this program.</p>
<p>It's easy to make money with online surveys! Just sign up with a few companies and start taking surveys today.</p>
<p>You can make anywhere from a few pounds to a few hundred pounds per survey, depending on the length and complexity of the survey.</p>
<h2>3. Sell Products On eBay or Amazon</h2>
<p>If you have products to sell, one of the easiest ways to make money online is to sell them on eBay or Amazon. You can list your products for sale in just a few minutes, and people from all over the world will be able to see and purchase them.</p>
<p>The best part about selling products online is that you can do it anywhere in the world. You only need an internet connection and a camera to take pictures of your products.</p>
<p>You can also use social media to promote your products and drive traffic to your eBay or Amazon listings.</p>
<p>To start, create an account with eBay or Amazon and list your products for sale.</p>
<p>Be sure to take great pictures of your products and write accurate and detailed descriptions.</p>
<p>The more information you provide, the more likely people will purchase your products.</p>
<p>Once you start getting sales, you can increase your prices and add more products to your listings.</p>
<p>You can also use Amazon's Fulfillment program to store and ship your products. This can save you time and money if you're selling many products.</p>
<p>Selling products online is a great way to make money, and it's easy to start. Just create an account with eBay or Amazon, take pictures of your products, and start listing them for sale.</p>
<p>You can make money if you have popular products that sell well. So what are you waiting for? Start selling today!</p>
<h2>4. Write Articles For Money</h2>
<p>If you love writing, you can make money by writing articles for sites like Examiner.com and HubPages.com. You can also reach out to some of your favorite online magazines looking for writers.</p>
<p>You can write about any topic and get paid for each article. The amount of money you earn varies depending on the length and quality of your article.</p>
<p>You can also create an account on Upwork and let the community know you are available to write articles. Remember that writing articles for money is a popular way to make money online in the UK; hence, you will have to beat some competition.</p>
<p>To succeed in writing articles for money, you must be a good writer.</p>
<p>Be sure to choose a passionate topic so it's easy to write about, and reach out to websites publishing content about the topics you are interested in.</p>
<h2>5. Use Your Skills To Start a Freelance Business</h2>
<p>If you have skills that others need, you can start a freelance business and offer your services online.</p>
<p>Some popular services include writing, web design, SEO, social media marketing, and virtual assistant work.</p>
<p>Create an account on a freelancing platform like Upwork or Fiverr to get started.</p>
<p>Create a strong profile and include samples of your previous work.</p>
<p>The more information you provide, the more likely people will be to hire you for your services.</p>
<p>You can start by offering your services at a lower rate to build up your portfolio and attract clients. Once you have some happy clients, you can raise your rates.</p>
<p>If you provide quality work, you will soon have a steady stream of clients willing to pay you for your services.</p>
<p>While Upwork and Fiverr are real ways to get started quickly, those platforms take a cut from your earnings, meaning you will earn less.</p>
<p>If you are convinced of your skills, you can also reach out directly to websites or YouTube channels and ask whether they are looking for someone to improve their SEO, website design, or any other business sector.</p>
<p>Manual outreach can be time-consuming, but it may be worth it in the long run.</p>
<p>So what are you waiting for? Start freelancing today!</p>
<h2>6. Rent Out A Toom In Your House</h2>
<p>Do you have an extra room in your house that you're not using? You can make money by renting out that room on Airbnb.</p>
<p>You can list your room for free, and people looking for a place to stay can book your room.</p>
<p>To get started, create an account on Airbnb and list your room.</p>
<p>Be sure to take great pictures of your room and write an accurate and detailed description.</p>
<p>The more information you provide, the more likely people will be to book your room.</p>
<p>You can also offer additional services, like breakfast or laundry, for an extra fee.</p>
<p>If you live in a popular tourist destination like London or Manchester, you can make a lot of money by renting your room on Airbnb.</p>
<h2>7. Offer Pet-Sitting Services</h2>
<p>Do you love animals? You can make money by offering pet-sitting services.</p>
<p>You can create a profile on Rover, where people needing pet-sitting services can find you.</p>
<p>To get started, create a profile and begin Accepting Requests from pet owners.</p>
<p>Remember to include your rates, services offered, and availability.</p>
<p>You can also offer additional services, like dog walking or feeding, for an extra fee.</p>
<p>Pet-sitting might be the perfect gig if you love animals and want to make extra money.</p>
<h2>8. Take Online Paid Surveys</h2>
<p>You can make money by taking online surveys. Many websites offer paid surveys, like Survey Junkie and InboxDollars.</p>
<p>Create an account on a survey website and take surveys.</p>
<p>The amount of money you earn depends on the length and quality of the survey.</p>
<p>The more information you provide, the more likely you will qualify for a survey.</p>
<p>You won't get rich through online surveys, but you can make extra money in your spare time.</p>
<p>And who doesn't love making money for doing nothing?</p>
<h2>12. Do Micro-Jobs Online</h2>
<p>You can do micro-jobs online if you want to make some quick and easy money.</p>
<p>Many websites offer micro-jobs, like Amazon Mechanical Turk and Fiverr.</p>
<p>Micro-jobs are small tasks that can be completed in a short amount of time, like writing product descriptions or transcribing audio files.</p>
<p>Create an account on a micro-job website and start completing tasks.</p>
<p>The amount of money you earn depends on the task.</p>
<p>Micro-jobs are a great way to make some quick and easy money online.</p>
<h2>13. Review Websites For Cash</h2>
<p>You can get paid to review websites to make quick and easy money.</p>
<p>Many companies will pay you to review their websites, like UserTesting and WhatUsersDo.</p>
<p>Create an account on a website testing website and start reviewing sites.</p>
<p>The amount of money you earn depends on the length and quality of the review.</p>
<p>The more information you provide, the more likely you will get paid. Apart from reviewing websites, you can also check products. Many companies are looking for people who would review their products on Amazon to improve their ratings.</p>
<p>Reviewing websites and products is a great way to make quick and easy money online.</p>
<h2>14. Do Data Entry Work</h2>
<p>You can do data entry work to make quick and easy money.</p>
<p>Many companies will pay you to do data entry, like CrowdFlower and Dataforce.</p>
<p>Create an account on a data entry website and start completing tasks.</p>
<p>The amount of money you earn depends on the task. While data entry can be tedious, it's an excellent way to start.</p>
<p>Data entry is a great way to make quick and easy money online.</p>
<h2>15. Sell Handmade Crafts or Products</h2>
<p>You can make money online fast by selling handmade crafts or products if you're crafty.</p>
<p>Many people sell handmade goods on Etsy, like jewelry and clothes.</p>
<p>To start, create an account on Etsy and start listing your products.</p>
<p>Be sure to take great pictures of your products and write accurate descriptions.</p>
<h2>16. Provide Professional Services Such As Consulting Or Coaching</h2>
<p>You can make money by providing your services online, like consulting or coaching, if you have a professional service.</p>
<p>Many people provide professional services online, like Virtual Assistant Services and Career Coaching.</p>
<p>Create an account on a freelancing website and start offering your services. Many coaches also use social media such as Instagram or Tiktok to reach their audience.</p>
<p>The coaching business can be very lucrative if you get clients. Many online coaches from the UK make good money from consulting other people.</p>
<p>Getting clients as an upcoming coach might be difficult, and you will have to spend a lot of time on social media. Building a community and being constantly present for your audience is the key to attracting clients and making money online in the UK.</p>
<p>Coaching can be a good fit if you enjoy talking to people all day and have something to offer.</p>
<h2>17. Be a Virtual Assistant</h2>
<p>If you aren't as extroverted to be a coach, you can also become a virtual assistant. Running businesses can be very complex, and many business owners are looking for people who would take over some of the less essential tasks to focus on high-priority tasks.</p>
<p>As a virtual assistant, your responsibilities might include tasks such as customer service, social media management, or data entry.</p>
<p>While you can also look for clients on sites such as Fiverr or UpWork, we recommend joining various Facebook groups for entrepreneurs or virtual assistants and engaging with job postings directly.</p>
<p>We also recommend reaching out to small businesses with potential directly. You might be surprised how many companies are looking for a virtual assistant to help them scale their business and save time.</p>
<h2>18. Start a Transcription Business</h2>
<p>You can start a transcription business to make money if you're a fast typer.</p>
<p>A transcription business involves transcribing audio files into written text.</p>
<p>Create an account on a transcription website and transcribe audio files. The amount of money you earn depends on the length and quality of the audio file.</p>
<p>Transcription is a great way to make money if you're a fast typer with good attention to detail.</p>
<p>There are a few things you will need to start transcribing videos:</p>
<ul>
<li>A computer or laptop</li>
<li>Headphones</li>
<li>mic (either built-in or external)</li>
<li>Transcription software</li>
</ul>
<p>You can find transcription software online, many of which are free to use.</p>
<h2>19. Create And Sell E-books</h2>
<p>If you're a good writer, you can make money by writing and selling e-books.</p>
<p>E-books are becoming increasingly popular, especially among independent authors.</p>
<p>To start, write your book and list it for sale on Amazon Kindle Direct Publishing or another platform.</p>
<p>The amount of money you make depends on the price of your book and how many copies you sell.</p>
<p>Remember that writing an e-book and promoting it is time-consuming. It might be a good idea to hire someone to help you with the promotion part if you want to make a full-time income from selling e-books.</p>
<h2>20. Invest in P2P Loans</h2>
<p>If you want to make money online without work, you can invest in P2P loans.</p>
<p>P2P loans are loans given to people by other people, not by banks. As an investor from the UK, you can create a European bank account with <button class="redirect externaltext" value="wise">Wise.com</button> or <button class="redirect externaltext" value="revolut">Revolut</button> and invest in loans on reliable platforms such as <a href="https://p2pempire.com/en/review/esketit">Esketit</a>, <a href="https://p2pempire.com/en/review/robocash">Robocash</a>, <a href="https://p2pempire.com/en/review/peerberry">PeerBerry</a>, or <a href="https://p2pempire.com/en/review/estateguru">EstateGuru</a>.</p>
<p>Investing in loans can earn up to 10% interest per year, making it a great <a href="https://p2pempire.com/en/savings-account-alternative">alternative to a savings account</a>. Here on P2P Empire, you can find <a href="https://p2pempire.com/en/best-p2p-lending-platforms-europe">suitable P2P lending platforms</a> that offer excellent protection and high yield.</p>
<h2>Final Thoughts</h2>
<p>Making money online in the UK is not as difficult as it might seem initially. With a little bit of creativity and effort, you can start earning a full-time income from home.</p>
<p>We hope you found this guide helpful and that you now have a better understanding of how to make money online in the UK. For our female readers, we have created a special guide about <a href="https://p2pempire.com/en/how-to-make-money-fast-as-a-woman">how to make money fast for woman</a>.</p>
</article>

How To Make Money Online In The UK

Earn money online in the UK ⏩ Real ways to make money ⏩ Earn 1000£ per month ⏩ How to make money online UK

20 Real Ways How To Make Money Online In The UK

Ready to make money online in the UK?

<article>
<h2>How to Save Money on Your Food Budget: 27 Tips That Work</h2>
<p>You're lucky if you're looking to save money on your food budget. There are plenty of ways to do it, and most are straightforward.</p>
<p>There are several ways to save money on your food budget, and most are straightforward. This blog post will discuss 27 tips to help you save money on food spending. We'll cover everything from saving money on food shopping to saving money on dining out. So whether you're a student trying to make ends meet or just want to find ways to reduce your grocery bill, these tips will help!</p>
<p>Here are 27 tips to help you save money on your food budget:</p>
<h2>1. Start by creating a budget</h2>
<p>Creating a budget is a great starting point if you want to save money on your food budget. It'll help you figure out how much money you need to spend on food each month, and from there, you can start looking for ways to cut back.</p>
<h2>2. Plan your meals in advance</h2>
<p>Meal planning is a great way to save money on your food budget. Planning your meals ensures you're only buying the necessary ingredients and not wasting anything.</p>
<p>Plus, it'll help you avoid those last-minute trips to the grocery store where you spend more than you need to.</p>
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<p><mark>Learn more in our guide about </mark></p>
</center>
<h2>3. Cook at home as often as possible</h2>
<p>Eating out can be expensive, so cooking at home as often as possible is a great way to save money on your food budget. You can easily find recipes online or in cookbooks that are cheap and easy to make.</p>
<p>And if cooking isn't your thing, there are plenty of quick and easy meals you can make without spending hours in the kitchen.</p>
<h2>4. Use leftovers to create new meals</h2>
<p>If you find leftovers after cooking a meal, don't let them go to waste! You can use plenty of recipes to turn those leftovers into new and delicious meals.</p>
<p>Not only will this save you money, but it'll also help you avoid wasting food.</p>
<h2>5. Shop for groceries online</h2>
<p>Shopping for groceries online can help you save money in a few different ways. First, you can often find better deals and coupons online than in-store.</p>
<p>Shopping online can help you avoid impulse purchases and stick to your grocery list. And if you have a tight budget, you can always opt for a cheaper delivery option or pick up your groceries in-store.</p>
<h2>6. Compare prices between stores</h2>
<p>If you're looking to save money on groceries, it's worth comparing store prices. This can help you find the store that offers the best deals on the items you need.</p>
<p>You can compare prices online or use a price book to keep track of the prices at different stores.</p>
<p>By comparing prices, you can ensure you get the best deal possible on your groceries.</p>
<h2>7. Avoid processed foods and eat more whole foods</h2>
<p>Processed foods are often more expensive than whole foods and can be unhealthy. So, if you're looking to save money on your food budget, it's worth avoiding processed foods.</p>
<p>Instead, focus on eating more whole foods like fruits, vegetables, and whole grains. These foods are not only cheaper but also much healthier for you.</p>
<p>Eating more whole foods is a great way to save money and improve your health.</p>
<h2>8. Grow your own food</h2>
<p>If you have the space, growing your food is a great way to save money on your food budget. You can grow fruits, vegetables, and herbs at home with little effort.</p>
<p>Not only will you save money, but you'll also be satisfied knowing you grew your food.</p>
<p>Plus, you can be sure that your food is fresh and pesticides-free.</p>
<p>Growing your own food is a great way to save money and eat healthy.</p>
<h2>9. Bring your own lunch to work or school</h2>
<p>Packing your own lunch is a great way to save money on your food budget. It's cheaper than buying lunch out, and you can control what goes into your lunch.</p>
<p>Packing a healthy and filling lunch will help you avoid buying unhealthy snacks or overeating. Plus, it's a great way to save money.</p>
<h2>10. Get in the habit of packing snacks</h2>
<p>Packing snacks when you leave the house is a great way to save money on your food budget. If you're constantly snacking while out, it can add up quickly.</p>
<p>By packing your own snacks, you can control how much you're eating and how much you're spending. Plus, you can be sure you're eating healthy snacks.</p>
<h2>11. Make a grocery list and stick to it</h2>
<p>Making a grocery list is a great way to save money on your food budget. It helps you plan your meals and avoid buying things you don't need.</p>
<p>And when you're at the store, be sure to stick to your list. This will help you avoid impulse purchases and save money.</p>
<h2>12. Avoid buying convenience foods</h2>
<p>Convenience foods are often more expensive than regular foods. And while they may be convenient, they're not always healthy.</p>
<p>So, it's worth avoiding convenience foods if you want to save money on your food budget. Instead, focus on buying regular foods and cooking meals at home.</p>
<h2>13. Buy in bulk when possible</h2>
<p>Buying in bulk can help you save money on your food budget. This is especially true if you can find a good deal on bulk items.</p>
<p>When buying in bulk, only buy what you need. Otherwise, you may end up wasting food and money.</p>
<h2>14. Try store brands instead of name brands</h2>
<p>Store-brand products are often just as good as name-brand products but are much cheaper. So, it's worth trying store brands if you want to save money on your food budget.</p>
<p>You may be surprised at how much you can save by switching to store brands.</p>
<h2>15. Clip coupons and use them</h2>
<p>Coupons can help you save money on your food budget. Be sure to clip coupons for the items you regularly buy.</p>
<p>And when you're at the store, be sure to use your coupons. This will help you save money on your groceries.</p>
<h2>16. Cook from scratch as much as possible</h2>
<p>Cooking from scratch is a great way to save money on your food budget. It's cheaper than buying prepared meals, and you can control what goes into your food.</p>
<p>Cooking from scratch does take more time than buying prepared meals. But it's worth the effort if you're looking to save money.</p>
<h2>17. Plan your meals around what's on sale</h2>
<p>Check the store circulars before you plan your meals. This way, you can base your meals around what's on sale and save money on your food budget.</p>
<p>You can also sign up for store loyalty programs to access special deals and coupons.</p>
<h2>18. Cook in large batches and freeze leftovers</h2>
<p>Cooking in large batches is a great way to save money on your food budget. You can cook once and eat for several days. Plus, you can freeze leftovers for future meals.</p>
<p>Cooking in large batches does take some planning. But it's worth the effort if you're looking to save money on your food budget.</p>
<h2>19. Eat seasonally to take advantage of lower prices</h2>
<p>Prices for seasonal produce are often lower than for non-seasonal produce. So, eating seasonally is a great way to save money on your food budget.</p>
<p>Plus, seasonal produce is often fresher and tastier than non-seasonal produce. So, it's a win-win!</p>
<h2>20. Take advantage of grocery store loyalty programs</h2>
<p>Many grocery stores offer loyalty programs to help you save money on your food budget. These programs often provide coupons and discounts on groceries.</p>
<p>So, if your local grocery store has a loyalty program, sign up. It could help you save money on your food budget.</p>
<h2>21. Shop at farmers' markets and local farms</h2>
<p>Farmers' markets and local farms often sell products at lower prices than grocery stores. So, shopping at these places is a great way to save money on your food budget.</p>
<p>You can also find fresh, seasonal produce at farmers' markets and local farms.</p>
<h2>22. Make a grocery list and stick to it</h2>
<p>Making a grocery list is a great way to save money on your food budget. When you make a list, you're less likely to buy things you don't need.</p>
<p>And when you're at the store, be sure to stick to your list. This will help you stay on budget and save money.</p>
<h2>23. Use a grocery price comparison app</h2>
<p>Several apps allow you to compare prices at different stores. This can help you find the best deals on groceries and save money on your food budget.</p>
<p>Before going to the store, check for deals using a grocery price comparison app. This could help you save money on your groceries.</p>
<h2>24. Find student discounts at local restaurants</h2>
<p>If you're a student, you may be able to get discounts at local restaurants. So, if you're looking to save money on your food budget, ask about student discounts.</p>
<p>You can also find discounts at fast food restaurants and chain restaurants. So, if you're on a budget, be sure to ask about discounts before you order.</p>
<h2>25. Make a list of cheap and easy-to-make meals</h2>
<p>If you're on a budget, it's helpful to have a list of cheap and easy-to-make meals. This way, you can save money on your food budget and still eat healthy.</p>
<p>Many websites provide lists of cheap and easy-to-make meals. So, if you're on a budget, check them out.</p>
<h2>26. Drink more water and avoid sugary drinks</h2>
<p>Drinking water is a great way to save money on your food budget. Water is free, and it's good for you. So, drink up!</p>
<p>Sugary drinks are often costly, and they're not good for you. So, if you're looking to save money on your food budget, avoid sugary drinks.</p>
</article>

How To Save Money On Food

Here are 27 actionable tips on how to save money on food ⏩ Reduce your food bill ⏩ Save money as a student ⏩ Start saving money today!

How to Save Money on Your Food Budget 🎖️ 27 Tips That Actually Work

Ready to save some money on food? Let's do it!

<article>
<h2>10 Actionable Tips to Earn Money Online without Investment for Students</h2>
<p>Are you a student looking for ways to make money online without investment? If so, you're in luck! This blog post contains ten actionable tips that will help you start earning money right away. Keep reading to learn how you can start making money from the comfort of your own home.</p>
<h2>1. Start a blog or vlog</h2>
<p>One of the best ways to make money online is to start your blog or vlog. You can earn money through advertising, affiliate marketing, or selling products and services. If you're unsure where to start, check out this how-to guide on starting a blog.</p>
<p>There are a few things to keep in mind when starting a blog or vlog:</p>
<ul>
<li>Choose a niche that you're passionate about. This will make it easier to write quality content and grow your audience.</li>
<li>Consistency is key. Make sure to post regularly and promote your content across social media and other channels.</li>
<li>Be patient! It takes time to build an audience and start earning money from your blog or vlog.</li>
</ul>
<p>If you follow these tips, you'll be well on making money online without investment.</p>
<h2>2. Offer your services as a tutor or editor</h2>
<p>If you're skilled in a particular subject, why not offer your services as a tutor or editor? You can sign up to tutor sites like Tutor.com or edit papers on sites like EditMyPaper.net.</p>
<p>Tutoring and editing are great ways to make money online without investment as a student because you can work from home and set your own hours. Plus, you can usually earn a pretty decent hourly rate!</p>
<p>When you offer your skills as a tutor or editor, there are a few things to keep in mind:</p>
<ul>
<li>Before signing up, ensure you're familiar with the site's terms and conditions.</li>
<li>Take the time to create a profile that accurately reflects your skills and experience.</li>
<li>Tutor subjects that you are passionate about.</li>
<li>Be responsive to clients' needs and requests. This will help you build a good reputation and earn more work.</li>
</ul>
<p>You can earn significantly from tutoring or editing without investing any money upfront if you offer high-quality services. One way to earn money online is by offering your services on platforms like Fiverr. This is possible also for students without any particular skills.</p>
<h2>3. Participate in paid online surveys</h2>
<p>Did you know that you can get paid to take online surveys? It's true! Many companies offer paid surveys in exchange for your opinion.</p>
<p>Paid surveys are a great way to make money online without investment because they're usually quick and easy. Plus, you can do them from anywhere with an internet connection.</p>
<p>Here are a few things to remember when participating in paid internet surveys:</p>
<ul>
<li>Sign up with a reputable company like <button class="redirect externaltext" value="pawns">Pawns.app</button> or InboxDollars.</li>
<li>Be sure to complete your profile, so you're matched with appropriate surveys.</li>
<li>Take the time to answer questions thoughtfully and honestly. This will help you earn more money and avoid getting screened out of surveys.</li>
</ul>
<p>Paid online surveys are a great way to make extra money without putting it down upfront.</p>
<h2>4. Sell your artwork or crafts online</h2>
<p>Why not sell your artwork or crafts online if you're creative and crafty? You can set up a shop on Etsy or sell through other platforms like Amazon Handmade.</p>
<p>Selling your artwork or crafts online is a great way to make money without investment because you can start with little to no upfront costs. You only need a platform to sell your products and some great photos.</p>
<p>Here are a few things to keep in mind when selling artwork or crafts online:</p>
<ul>
<li>Take the time to create quality listings with great photos.</li>
<li>Offer competitive prices that reflect the quality of your work.</li>
<li>Promote your shop through social media and other channels.</li>
</ul>
<p>You can make a good income from selling your artwork or crafts online if you create quality products and market your shop effectively.</p>
<h2>5. Do odd jobs for people in your community</h2>
<p>Do you like helping people? Why not do odd jobs for people in your community then? You can find gigs on Craigslist or other job board sites.</p>
<p>Doing odd jobs is a great way to make money without investment because you can usually get paid cash upfront. Plus, it's a great way to help out people in your community.</p>
<p>Here are a few things to keep in mind when doing odd jobs:</p>
<ul>
<li>Make sure you know the job requirements before accepting any gigs.</li>
<li>Be punctual and professional. This will help you build a good reputation and get more work.</li>
<li>Negotiate your rates upfront, so there's no confusion later on.</li>
</ul>
<p>You can easily make money without investment by doing odd jobs for community members. Here are even more tips on <a href="https://p2pempire.com/en/how-to-make-money-online">how to make money online</a>.</p>
<h2>6. Offer your services as a pet sitter or dog walker</h2>
<p>Do you love animals? Why not offer your services as a pet sitter or dog walker then? You can create a profile on Rover.com or another pet-sitting platform.</p>
<p>Pet sitting and dog walking is excellent ways to make money without investment because you can usually get paid cash upfront. Plus, it's a great way to spend time with animals.</p>
<p>Here are a few things to keep in mind when offering your services as a pet sitter or dog walker:</p>
<ul>
<li>Before signing up, ensure you're familiar with the platform's terms and conditions.</li>
<li>Create a profile that accurately reflects your skills and experience.</li>
<li>Be responsive to clients' needs and requests.</li>
</ul>
<p>You can make good money as a pet sitter or dog walker if you create a strong profile and offer quality services.</p>
<h2>7. Start a home-based business</h2>
<p>If you're entrepreneurial and want to be your own boss, why not start a home-based business? There are many businesses you can start with little to no upfront costs.</p>
<p>Starting a home-based business is a great way to make money without investment because you can control your own income. Plus, it's a great way to be your own boss and set your own hours.</p>
<p>Here are a few things to keep in mind when starting a home-based business:</p>
<ul>
<li>Make sure you choose a business that you're passionate about.</li>
<li>Do your research and create a business plan.</li>
<li>Be prepared to work hard and invest time and effort into your business.</li>
</ul>
<p>You can make a good income from a home-based business if you choose the right business and are willing to do the work. Explore even more ways about <a href="https://p2pempire.com/en/how-to-make-money-from-home">how to make money from home</a>.</p>
<h2>8. Do transcription work or data entry</h2>
<p>If you're looking for ways to make money online without investment, transcription work or data entry may be perfect. You can find transcription jobs on sites like Rev.com or Data Entry Jobs.</p>
<p>Doing transcription work or data entry is a great way to make money without investment because you can usually get paid per audio hour or project. Plus, it's a great way to work from home.</p>
<p>Here are a few things to keep in mind when doing transcription work or data entry:</p>
<ul>
<li>Make sure you understand the job requirements before accepting any projects.</li>
<li>Be accurate and detail-oriented. This will help you get more work and earn a good reputation.</li>
<li>Meet deadlines and be professional.</li>
</ul>
<p>You can make good money from transcription work or data entry if you're accurate and detail-oriented.</p>
<h2>9. Sell homemade food or baked goods</h2>
<p>Do you love to cook or bake? Why not sell homemade food or baked goods then? You can sell your products online or at local markets.</p>
<p>Selling homemade food or baked goods is a great way to make money without investment because you can usually get paid cash upfront. Plus, it's a great way to showcase your culinary skills.</p>
<p>When selling baked goods or homemade meals, there are a few things to bear in mind:</p>
<ul>
<li>Before signing up, ensure you're familiar with the platform's terms and conditions.</li>
<li>Create a profile that accurately reflects your skills and experience.</li>
<li>Be responsive to clients' needs and requests.</li>
</ul>
<p>You can make good money from selling homemade food or baked goods if you create a strong profile and offer quality products.</p>
<h2>10. Participate in paid focus groups or online studies</h2>
<p>Do you love giving your opinion? Why not participate in paid focus groups or online studies then? You can find opportunities on sites like Respondent.io or Survey Junkie.</p>
<p>Participating in paid focus groups or online studies is a great way to make money without investment because you can usually get paid cash for your participation. Plus, it's a great way to voice your opinion on different topics.</p>
<p>Here's a list of pointers for doing well in paid focus groups or internet research.:</p>
<ul>
<li>Make sure you understand the job requirements before accepting any projects.</li>
<li>Be honest and transparent in your answers.</li>
<li>Meet deadlines and be professional.</li>
</ul>
<p>You can make good money from participating in paid focus groups or online studies if you're honest and transparent in your answers.</p>
<p>These are just a few ways you can make money online without investment. If you're looking for ways to earn extra cash, explore all your options and find the best fit for you. Remember, there's no one-size-fits-all solution when it comes to making money. What works for someone else may not work for you. So, find what works best for you and stick with it. With a little hard work and dedication, you can find success.</p>
</article>

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<article>
<p>Learning to save money fast on a low income is more critical in these tough economic times. If you struggle to make ends meet, don't worry - you are not alone! This comprehensive guide will teach you how to slash expenses and put more money in your pocket. We will cover everything from budgeting tips to reducing your energy consumption. So read on and learn how to save money fast on a low income!</p>
<h2>1. Make a budget</h2>
<p>One of the best ways to save money fast on a low income is to create a budget and make sure you stick to it.</p>
<p>Track your monthly spending so you know where your money is going, then identify areas where you can cut back. For example, if you spend $100 a month on coffee, try making coffee at home instead.</p>
<p>If you are unsure where to start, many budgeting apps and websites can help you track your</p>
<p>spending and creating a budget.</p>
<p>Creating a budget for every spending category is essential to know where your income goes.</p>
<p>You can split the budget into groceries, transportation, rent, energy, education, and entertainment.</p>
<p>Once you have a budget that fits your income, stick to it!</p>
<h2>2. Cut back on expenses</h2>
<p>Once you have a budget, it will be easier to identify areas where you can cut back on expenses.</p>
<p>For example, if you spend a lot of money on take-out food, try cooking at home more. You can also save money by cutting back on other non-essential expenses like entertainment and shopping.</p>
<p>Ask yourself whether you need non-essential subscriptions and memberships.</p>
<p>If you have debt, it is also essential to pay it off as quickly as possible. The sooner you are debt-free, the more money you will have to save each month.</p>
<p>There are many ways to cut back on expenses, so take a close look at your budget and see where you can make some changes.</p>
<h2>3. Shop around for the best deals</h2>
<p>Make sure you shop for the best deals whenever you need something.</p>
<p>There are many ways to do this, such as using coupons, comparing prices online, and waiting for sales.</p>
<p>You can also save money by buying bulk or second-hand items whenever possible.</p>
<p>Looking for the best deals can help you save a lot of money in the long run.</p>
<p>Take advantage of sales and discounts, whether they are online or in brick-and-mortar stores.</p>
<p>You can also use coupons for discounts on groceries and other necessary items.</p>
<p>Don't be afraid to haggle when buying second-hand items or services.</p>
<h2>4. Reduce your energy consumption</h2>
<p>One of the best ways to save money fast is to reduce energy consumption. This can lower your monthly bills and help the environment.</p>
<p>There are many easy ways, such as turning off lights when you leave a room, unplugging appliances when unused, and wearing warmer clothes in the winter.</p>
<p>You can also save money on your energy bill by insulating your home and using energy-efficient appliances.</p>
<p>Reducing energy consumption is a great way to save money and help the environment.</p>
<h2>5. Get creative with meals</h2>
<p>Another way to save money on a low income is to get creative with your meals.</p>
<p>This doesn't mean you have to eat ramen noodles daily. Instead, try cooking simple meals at home using inexpensive ingredients.</p>
<p>You can also stretch your food budget by making big batch recipes that will last for several days or weeks.</p>
<p>And don't forget to take advantage of leftovers! There are many delicious ways to use them up.</p>
<p>Getting creative with your meals is a great way to save money on a tight budget.</p>
<h2>6. Sell unused belongings</h2>
<p>If you have unused or unwanted belongings, consider selling them. You can do this online or at a garage sale.</p>
<p>You can also donate items to charity or give them to friends and family members who may need them.</p>
<p>Selling unused belongings is a great way to declutter your home and make extra money.</p>
<h2>7. Make extra money</h2>
<p>There are many ways to make extra money, such as freelancing, tutoring, and becoming a pet-sitter. There are <a href="https://p2pempire.com/en/how-to-make-money-online-uk">many ways to make money online</a> or <a href="https://p2pempire.com/en/how-to-make-money-from-home">earn extra cash from home</a>.</p>
<p>You can also make money by selling handmade items or doing odd jobs.</p>
<p>Making extra money is a great way to boost your savings. Here are additional tips on <a href="https://p2pempire.com/en/how-to-save-5000-in-6-months">how to save $5000 in six months</a>.</p>
<h2>8. Use public transportation or walk</h2>
<p>If you have a car, you must consider how much you spend on gas each month. With the increased gas prices, a car can be a considerable expense, especially if you earn a lower income.</p>
<p>One way to save money is to use public transportation or walk whenever possible. This can help you save money on gas and reduce your carbon footprint.</p>
<p>Public transportation or walking is a great way to save money and help the environment.</p>
<p>If you live in a bike-friendly city, consider biking to work or running errands. This is a great way to get some exercise and save money on transportation costs.</p>
<p>Biking or walking is a great way to save money and get some exercise.</p>
<h2>9. Buy generic brands</h2>
<p>When grocery shopping, try to buy generic or store-brand items instead of name-brand products. Store brands are often located at the lower end of the shelves. There is no need to use fancy brands that are the same product that store brands offer. If you want to save money fast on a low income, buying store brands is the way.</p>
<p>You might be surprised at how much money you can save by doing this.</p>
<p>Buying generic brands is a great way to save money on groceries.</p>
<h2>Final Thoughts</h2>
<p>In conclusion, learning how to save money fast on a low income is essential for anyone who struggles to make ends meet. By following the tips in this guide, you will be well to put more money in your pocket each month. So what are you waiting for? Start saving today!</p>
<p><mark>Are you interested in increasing your income? Look at our article about <a href="https://p2pempire.com/en/how-to-make-money-on-fiverr-without-skills">how to make money on Fiverr without skills</a>.</mark></p>
</article>

How to Save Money Fast on a Low Income

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<article>
<h2>How to Save 5000 in 6 Months: A Comprehensive Guide</h2>
<p>Being smart about your finances is more important than ever in today's economy. One way to save money is by implementing a savings plan and sticking to it. In this blog post, we will provide a comprehensive guide on how to save $5000 in 6 months. But that's not all &ndash; we will also give you actionable tips so you can get started immediately! So whether you are just starting or have been struggling to save money, read on for the advice you need to get ahead financially.</p>
<h2>1. Why saving money is important</h2>
<p>Saving money is essential for several reasons. First, it gives you a cushion in an unexpected financial emergency. Second, it can help you reach your long-term financial goals, such as buying a house or retiring comfortably. Finally, saving money can provide peace of mind and reduce stress levels.</p>
<p>When it comes to saving money, every little bit counts. So if you're unsure where to start, don't worry &ndash; we will give you some actionable tips below.</p>
<h2>2. How to create a savings plan</h2>
<p>Creating a savings plan is a great way to stay on track with your finances. To start, you will need to calculate your monthly income and expenses. Then, you can determine how much you can afford to save each month. Once you have a savings goal in mind, set up a budget and stick to it!</p>
<p>Creating a savings plan is a great way to stay on track with your finances. To start, you will need to calculate your monthly income and expenses. Then, you can determine how much you can afford to save each month.</p>
<h2>3. Tips for sticking to your savings plan</h2>
<p>Once you have a savings plan, it's essential to make sure you stick to it. Here are a few tips to help you stay on track:</p>
<ul>
<li>Set up automatic transfers: Have a certain amount of money automatically transferred from your paycheck into your monthly savings account. This way, you won't even have to think about saving &ndash; it will happen automatically!</li>
<li>Make saving a priority: When making your budget, allocate enough money for savings. This way, you will be less likely to dip into your savings account for other purposes.</li>
<li>Stay motivated: Keep your long-term financial goals in mind and remember why saving is essential.</li>
</ul>
<h2>4. How to save money on groceries</h2>
<p>One of the most significant expenses for many families is groceries. But there are several ways you can save money on this essential expense. For example, you can cook at home more often, plan meals, and compare shop at different stores. You can also take advantage of sales and coupons to get the best deals.</p>
<p>Another way to save money on groceries is to buy in bulk. This can be a great option if you have the storage space and can take advantage of bulk discounts. Make sure you only buy what you need so that nothing goes to waste!</p>
<p><em>Check out more tips in our guide on </em><a href="https://p2pempire.com/en/how-to-save-money-on-food" target="_blank" rel="noopener noreferrer"><em>how to save money on food</em></a><em>.</em></p>
<h2>5. How to save money on utilities</h2>
<p>Utilities are another necessary expense, but there are ways to save money on this bill. One way is to make energy-efficient home upgrades, such as installing LED light bulbs or weatherstripping your doors and windows. You can also save money by conserving energy, such as turning off lights when you leave a room or using a power strip to turn off multiple electronics at once.</p>
<p>You can also save money on your water bill by making simple changes, such as fixing leaks, installing low-flow fixtures, and only running the dishwasher and washing machine when they are full.</p>
<h2>6. How to save money on transportation</h2>
<p>Transportation costs can add up quickly, but there are ways to save money on this expense. One way is to carpool or use public transportation when possible. You can also save money by walking or biking instead of driving. If you must drive, keep your car in good condition so you don't have to pay for unnecessary repairs. You can also save on gas by planning your trips to make fewer stops.</p>
<p>Another way to save money on transportation is to buy a used car instead of a new one. Used cars are often much cheaper than new ones and can still provide reliable transportation. Just do your research before buying a used car to know what to look for and what to avoid.</p>
<p>For more money-saving tips, head over to our guide about <a href="https://p2pempire.com/en/how-to-save-money" target="_blank" rel="noopener noreferrer">how to </a>save money.</p>
<h2>7. How to save money on entertainment and dining out</h2>
<p>Entertainment and dining out can be expensive, but there are ways to save money on these expenses. For example, you can take advantage of free or discounted events in your area. You can also cook at home more often and eat out less. When you eat out, look for restaurants offering discounts, such as happy hour specials.</p>
<p>You can also save money on entertainment by finding free or low-cost activities. For example, you can hike, visit a museum, or attend a community event. There are many fun things to do that don't have to cost a lot of money!</p>
<p><mark>Are you a student? Explore our guide on <a href="how-to-earn-money-online-without-investment-for-students">how to earn money online without investment for students</a>.</mark></p>
<h2>8. Final thoughts on saving money</h2>
<p>Saving money is essential for several reasons. First, it gives you a cushion in an unexpected financial emergency.</p>
<p>Second, it can help you reach your long-term financial goals, such as buying a house or retiring comfortably. Finally, saving money can provide peace of mind and reduce stress.</p>
<p>These are just a few ways to save money each month. For more tips, be sure to check out our complete guide on how to save money!</p>
<p>Saving money doesn't have to be complicated &ndash; you can make many small changes to your budget that can add to significant savings. Just remember to be mindful of your spending, set realistic goals, and create a plan for how you will save. You can save $5000 in six months with little effort! Curious about how to make money online? Explore our guide with <a href="https://p2pempire.com/en/how-to-make-money-online">20 ways to make money online</a>.</p>
</article>

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<article>
<h2>Wise Card Review 2023</h2>
<p>The Wise Debit Card is an established player in the world of debit cards. It has some great features and benefits that make it worth considering if you are in the market for a new debit card.</p>
<p>In this review, we will take an in-depth look at the Wise Debit Card, its features, costs, benefits, and disadvantages so you can decide whether it is worth it.</p>
<h2>What Is The Wise Card?</h2>
<p>Wise Card is a physical card issued by Visa and offered by Wise (formerly Transferwise).</p>
<p><img class="lazy" src="https://p2pgallery.s3.eu-central-1.amazonaws.com/EN/wise-card-review.webp" border="0" alt="transferwise card" width="auto" height="auto" loading="lazy" /></p>
<p>The Wise Card is connected to your personal or business account at Wise, a licensed payment provider, enabling you to easily store, receive and send money in multiple currencies for the lowest fees.</p>
<p>The Wise Debit Card lets you pay safely online or in your local supermarket. Wise also supports Apple Pay and Google Pay giving you even more options to pay for goods and services worldwide at the lowest cost.</p>
<div class="checklist-box">
<h3>Wise Card in a Nutshell</h3>
<ul>
<li>UK, US, EU bank accounts</li>
<li>Multi-currency account and exchange feature</li>
<li>Pay safely anywhere</li>
<li>Low fees</li>
</ul>
</div>
<p class="question">Ready to save money with Wise?</p>
<button class="redirect external_link_button promo" value="wise">Get your Wise card now!</button>
<h2>Wise Pros And Cons</h2>
<p>As with any debit card, there are always pros and cons that you should consider before registering. Let's have a look at the pros and cons of the Wise Debiut Card.</p>
<div class="pros">
<h3>Pros of the Wise Card</h3>
<ul>
<li>Lowest multi-currency transfers</li>
<li>Very user-friendly banking app on Desktop and Mobile</li>
<li>FCA regulated</li>
<li>Over 15 million customers</li>
<li>Available worldwide</li>
<li>Best for travelers and freelancers</li>
</ul>
</div>
<div class="cons">
<h3>Cons of the Wise Card</h3>
<ul>
<li>Fees for ATM withdrawals of more than &euro;200 per month</li>
</ul>
</div>
<h2>Who Is The Wise Card Suitable For?</h2>
<p>The Wise debit card is suitable for sending and receiving money in multiple currencies. You can store your funds in up to 49 currencies.</p>
<p>Even if you decide not to use the multi-currency feature, Wise is famous among travelers mainly due to the best exchange rates when paying with the card in foreign currencies.</p>
<p>The Wise account enables you to get a EURO IBAN, a UK account number, or a US routing number, which is fantastic if you are a freelancer with clients from various continents.</p>
<p><mark>The Wise Card is also suitable for investors who wish to invest on European <a href="https://p2pempire.com/en/best-p2p-lending-platforms-europe">P2P lending platforms</a>, as it provides an IBAN required by most platforms.</mark></p>
<h2>Who Can Apply For A Wise Card?</h2>
<p>Almost anyone living in Europe, Canada, the USA, Australia, or New Zealand can apply to get a Wise debit card. Wise is also available for users in Brazil, Singapore, Malaysia, and Japan.</p>
<div class="tips-box">
<h3>How to deposit cash on Wise?</h3>
<p>Depositing cash on your Wise account is fast and straightforward.</p>
<ol>
<li>First, you have to create an account and verify your identity. The account creation takes five minutes, but identity verification can take up to 72 hours.</li>
<li>After the successful verification, you will receive an email notifying you that your bank account is active.</li>
<li>When you sign into your account, you must open an account or click on the already opened account to retrieve the account details.</li>
<li>You can use the bank account number (IBAN for European accounts) to top-up your account from your other bank account.</li>
<li>Depositing cash takes up to two days, depending on the account from where you are sending your money to Wise.</li>
</ol>
</div>
<p><mark>When your account is verified, sending and receiving money is very reliable. We have been using Wise for more than five years without any issues.</mark></p>
<h2>Wise Card Fees</h2>
<p>While the Wise Debit Card is very affordable, there are a few fees you should be informed about.</p>
<table class="comparison2">
<tbody>
<tr>
<th>Service</th>
<th>Fee</th>
</tr>
<tr>
<td>Opening account</td>
<td>Free</td>
</tr>
<tr>
<td>Holding 50+ currencies &amp; bank account details</td>
<td>Free</td>
</tr>
<tr>
<td>Sending EUR</td>
<td>Free with SEPA</td>
</tr>
<tr>
<td>Sending money outside of EU</td>
<td>From 0.41% * depending on the transfer type</td>
</tr>
<tr>
<td>Receiving non-USD funds</td>
<td>Free</td>
</tr>
<tr>
<td>Receiving USD funds</td>
<td>4.14 USD</td>
</tr>
<tr>
<td>Ordering the Wise Debit card</td>
<td>8 EUR, 9 USD</td>
</tr>
<tr>
<td>Express delivery (only EU)</td>
<td>from 18.4 EUR</td>
</tr>
<tr>
<td>Replacing the Wise Debit card</td>
<td>4 EUR / 5 USD</td>
</tr>
<tr>
<td>Virtual Wise Card</td>
<td>Free</td>
</tr>
<tr>
<td>ATM withdrawals</td>
<td>2 withdrawals per month of less than 200 EUR for free</td>
</tr>
<tr>
<td>&nbsp;</td>
<td>2 withdrawals of more than 200 EUR per month for 1.75% (2% in the U.S.)</td>
</tr>
<tr>
<td>&nbsp;</td>
<td>3 or more withdrawals per month: 0.5 EUR per withdrawal + 1.75% of the amount over 200 EUR (1.5 USDT + 2% in the U.S)</td>
</tr>
</tbody>
</table>
<p>As you can see, the Wise Debit Card is a pretty good deal considering the value that you get. The only cost that might accumulate over time will occur if you are a heavy cash user.</p>
<p>While you are likely to pay cash-less in most countries, you will need to withdraw money which may become pricey in many developing countries.</p>
<p><mark><a href="https://p2pempire.com/en/revolut-metal-review">Revolut Metal</a> will be a better fit for you if you are sure you will need to withdraw from ATMs frequently. Compare the free plans between Revolut and Wise in our ultimate comparison <a href="https://p2pempire.com/en/wise-vs-revolut">Wise vs Revolut</a>.</mark></p>
<h2>Wise Limits</h2>
<p>The payment limit per transaction depends on the transaction type and your country.</p>
<p>We highly recommend navigating to the card section in your account and reviewing the spending limits for various card transactions. You can retrieve the default limit and change it if required.</p>
<p><img class="lazy" src="https://p2pgallery.s3.eu-central-1.amazonaws.com/EN/wise-limits.webp" border="0" alt="wise limits" width="auto" height="auto" loading="lazy" /></p>
<p>Here are the limits for card transactions by EU-based users in EUR:</p>
<table class="comparison4">
<tbody>
<tr>
<th>Limit</th>
<th>Single Transaction</th>
<th>Day</th>
<th>Month</th>
</tr>
<tr>
<td>Chip and PIN and mobile wallet</td>
<td>Default: 2.500 Max. 10.000</td>
<td>Default: 3.500 Max. 10.000</td>
<td>Default: 10.000 Max. 30.000</td>
</tr>
<tr>
<td>ATM withdrawals</td>
<td>Default: 1.000 Max. 1.000</td>
<td>Default: 1.500 Max. 1.500</td>
<td>Default: 3.000 Max. 4.000</td>
</tr>
<tr>
<td>Contactless transactions</td>
<td>Default: 500 Max. 500</td>
<td>Default: 500 Max. 1.000</td>
<td>Default: 4.000 Max. 4.000</td>
</tr>
<tr>
<td>Magnetic stripe transactions</td>
<td>Default: 300 Max. 1.200</td>
<td>Default: 400 Max. 1.200</td>
<td>Default: 1.200 Max. 6.000</td>
</tr>
<tr>
<td>Online payments</td>
<td>Default: 1.000 Max. 1.000</td>
<td>Default: 1.000 Max. 10.000</td>
<td>Default: 2.000 Max. 30.000</td>
</tr>
</tbody>
</table>
<p>And here, you can review the limits for card transactions by U.S.-based users in USD:</p>
<table class="comparison4">
<tbody>
<tr>
<th>Limit</th>
<th>Single Transaction</th>
<th>Day</th>
<th>Month</th>
</tr>
<tr>
<td>Chip and PIN and mobile wallet</td>
<td>Default: 1.000 Max. 2.000</td>
<td>Default: 1.000 Max. 2.000</td>
<td>Default: 5.000 Max. 15.000</td>
</tr>
<tr>
<td>ATM withdrawals</td>
<td>Default: 250 Max. 1.000</td>
<td>Default: 250 Max. 1.000</td>
<td>Default: 1.500 Max. 6.000</td>
</tr>
<tr>
<td>Contactless transactions</td>
<td>Default: 200 Max. 400</td>
<td>Default: 500 Max. 1.000</td>
<td>Default: 1.500 Max. 4.000</td>
</tr>
<tr>
<td>Magnetic stripe transactions</td>
<td>Default: 1.000 Max. 1.500</td>
<td>Default: 1.000 Max. 1.500</td>
<td>Default: 1.500 Max. 6.000</td>
</tr>
<tr>
<td>Online payments</td>
<td>Default: 1.000 Max. 2.000</td>
<td>Default: 1.000 Max. 2.000</td>
<td>Default: 2.000 Max. 15.000</td>
</tr>
</tbody>
</table>
<p>Note that the default spending limits might change over time. You can always adjust your limits in the Wise App.</p>
<h2>Wise App</h2>
<p>The Wise App is intuitive and better than most banking apps offered by other banks.</p>
<p><img class="lazy" src="https://p2pgallery.s3.eu-central-1.amazonaws.com/EN/wise-app.webp" border="0" alt="wise app" width="auto" height="auto" loading="lazy" /></p>
<p>Right after you login in, you can access all the essential information about your account.</p>
<p>On the left side, you can use the menu to:</p>
<div class="checklist-box">
<ul>
<li>Send money</li>
<li>Add new recipients</li>
<li>Manage your account</li>
<li>Manage your cards</li>
</ul>
</div>
<p>In the main account overview, you can retrieve the balances of your active accounts and the latest transactions.</p>
<h3>Sending Money With Wise</h3>
<p>Sending money with Wise is very simple. Wise offers you two options:</p>
<div class="tips-box">
<ol>
<li>Send money from any of your bank accounts (suitable for multi-currency transfers)</li>
<li>Send money from your Wise account (from your available balances)</li>
</ol>
</div>
<p>It's important to understand that company also offers <a href="https://p2pempire.com/en/wise-money-transfer">Wise money transfer</a> services for users that don't have a Wise account.</p>
<p><mark>The Wise money transfer service is used by several banks, including N26, as we have explained in our <a>N26 review</a>.</mark></p>
<p><img class="lazy" src="https://p2pgallery.s3.eu-central-1.amazonaws.com/EN/wise-money-transfer.webp" border="0" alt="wise account" width="auto" height="auto" loading="lazy" /></p>
<p>If you have topped up your Wise account and wish to send money from your balance, choose "Your Wise balance" and add the recipient to proceed with the payment.</p>
<p>Sending money is simple, and Wise will guide you through the entire process, which takes one to two minutes.</p>
<h2>Wise Virtual Card</h2>
<p>If you don't need to withdraw money from ATMs, you don't need to order any Wise Debit Card. Simply use the Wise Virtual Card instead.</p>
<p><img class="lazy" src="https://p2pgallery.s3.eu-central-1.amazonaws.com/EN/wise-virtual-card.webp" border="0" alt="wise virtual card" width="auto" height="auto" loading="lazy" /></p>
<p>You can use the card information to pay online or add it to your Apple and Google Pay app to pay in stores with your phone or wearables.</p>
<p>You can regenerate new card details at any time and save yourself some money for shipping a physical card.</p>
<h2>Is The Wise Debit Card Safe?</h2>
<p>Wise is licensed by the FCA in the UK and European users will get a Belgium IBAN. Since Wise is a payment provider and not a bank, your funds are not secured by a governmental protection scheme but instead safeguarded by Wise.</p>
<p>Your account is protected by 2-factor authentication, and often, you are requested to confirm transfers with your password. Outgoing online payments are always subject to verification from your end. Should your card get stolen or lost, you can immediately freeze it in your account.</p>
<p>You can also set up notifications on your phone to be informed about any activity on your account, which is quite convenient for many users.</p>
<p>As with any bank account, you should always access your dashboard from a safe device and follow the best practices to avoid bad actors accessing your account.</p>
<p>We believe that Wise offers sufficient protection for users' funds.</p>
<h2>Final Takeaways</h2>
<p>If you are still reading, the Wise card is a good fit for you. The Debit Card is affordable and extremely useful for anyone looking for a convenient way to store, spend and receive funds online.</p>
<p>Even if you decide not to use Wise as your primary bank account, the convenience that you get together with the cheapest way to send and receive money in different currencies is worth signing up for.</p>
<p class="question">What are you waiting for?</p>
<button class="redirect external_link_button promo" value="wise">Get your card now!</button></article>

Wise Card Review 2025 

Wise Card Review 2023 ⏩ Is the Wise Debit Card worth it? ☑️ Wise Virtual Cards ✅ Transferwise Card Fees ⭐ Transferwise card reviewed.

Wise Card Review 2025 - Is Wise Debit Card Worth It?

Are you wondering whether you should get your Wise card?

<article>
<h2>N26 Review - After 6 Years</h2>
<p>Are you looking for a modern banking experience that fits your lifestyle? If so, the N26 bank might be worth considering. In this review of N26, we&rsquo;ll take an in-depth look at the features and services offered by this digital bank to help you decide if it is right for you.</p>
<p>We&rsquo;ll cover topics such as N26's safety, mobile app offerings, customer service options, and more. By the end of this review, you should better understand whether or not using N26 would benefit your financial needs.</p>
<h2>What is N26?</h2>
<p>The N26 is a licensed bank in Germany that launched one of the first mobile banks on the market. Today the bank offers its banking app to users from all over Europe looking for a modern and well-built mobile baking experience.</p>
<div class="checklist-box">
<h3>N26 Overview</h3>
<ul>
<li>Get a german bank account</li>
<li>Mobile-first banking experience</li>
<li>Cheap transfers in foreign currencies via <a href="https://p2pempire.com/en/wise-money-transfer">Wise money transfer</a></li>
<li>Low fees</li>
</ul>
</div>
<p class="question">Are you ready to embrace the mobile banking experience with N26?</p>
<button class="redirect external_link_button promo" value="n26">Open your free N26 account</button>
<h2>N26 Pros And Cons</h2>
<p>As with any bank account, there are always pros and cons that you should consider before registering.</p>
<div class="pros">
<h3>Pros of N26</h3>
<ul>
<li>Free bank account</li>
<li>Three product tiers with various features</li>
<li>Unlimited free ATM withdrawals in the EU</li>
<li>Free virtual card</li>
<li>Regulated in Germany</li>
</ul>
</div>
<div class="cons">
<h3>Cons of N26</h3>
<ul>
<li>Cards can only be sent to your home address; if you lose your card abroad, N26 won't be able to deliver you a new one</li>
<li>The differences between some of the N26 accounts are marginal</li>
</ul>
</div>
<h2>Who is the N26 bank account suitable for?</h2>
<p>N26 suits anyone looking for a bug-free mobile banking app to manage their finances and save, send, and receive money. It's suitable for anyone living an international lifestyle. If you often send money in different currencies or travel to various countries, N26 is one of the best banking products on the market.</p>
<h2>Who can apply for the N26 debit card?</h2>
<p>Anyone over 18 years old who resides in the following countries is eligible to open an N26 bank account and order an N26 card: Austria, Belgium, Denmark, Estonia, Finland, France, Germany, Greece, Iceland, Ireland, Italy, Liechtenstein, Luxembourg, the Netherlands, Norway, Poland, Portugal, Slovakia, Slovenia, Spain, Sweden, and Switzerland.</p>
<p>The N26 bank account isn't available for Non-European residents.</p>
<div class="checklist-box">
<h3>Suitable bank for P2P investors</h3>
<p>N26 Bank GmbH is also a suitable digital bank for European P2P investors who wish to open a free bank account. Most European <a href="https://p2pempire.com/en/best-p2p-lending-platforms-europe">P2P lending platforms</a> require investors to send money from a EUR bank account. The N26 bank is a suitable option to consider.</p>
</div>
<h2>How to open an N26 bank account?</h2>
<p>Opening an N26 bank account is straightforward and can be done online within ten minutes. Click here to get started.</p>
<div class="tips-box">
<ol>
<li>Select your country of Residence</li>
<li>Insert your personal information, mobile phone, home address, and tax information, and create a password</li>
<li>Download the app</li>
<li>Verify your identity</li>
<li>Approve your account and order your N26 account</li>
</ol>
</div>
<p>While the application is speedy, verifying and activating your account may take a few hours or days.</p>
<h2>N26 fees</h2>
<p>When it comes to banking services, fees are often an essential factor to consider. The N26 bank offers a free service for users who want to use virtual cards.</p>
<p>You must pay a monthly fee for a physical card or additional features.</p>
<p>If you want to open an N26 bank account, the fee you will pay depends on the account type you will sign up for and the service you will use.</p>
<p>Here is a breakdown of account types as well as fees to consider.</p>
<img class="lazy" src="https://p2pgallery.s3.eu-central-1.amazonaws.com/EN/n26-fees.webp" border="0" alt="n26-fees" width="auto" height="auto" loading="lazy" />
<h3>N26 Standard</h3>
<p>N26 Standard is a free N26 bank account with a free virtual card and an optional physical card which costs &euro;10.</p>
<p>This bank account offers the following features:</p>
<div class="checklist-box">
<ul>
<li>Free virtual card</li>
<li>Free contactless payments</li>
<li>Mobile payments</li>
<li>100% mobile banking</li>
<li>Free payments worldwide</li>
<li>3 domestic ATM withdrawals</li>
<li>Unlimited domestic cash withdrawals with CASH26 partners</li>
<li>Unlimited free ATM withdrawals in the EU</li>
<li>In-app chat</li>
</ul>
</div>
<p>The N26 Standard account is excellent for students or users seeking essential banking services.</p>
<p>This account offers only three domestic ATM withdrawals for free. If you need more, you will have to pay a &euro;2 withdrawal fee in your home country. Alternatively, you can use CASH26 retail shops in Germany without any limitations for free.</p>
<p><mark>The CASH26 retail shops can be located through your N26 banking app.</mark></p>
<p><strong>The total cost for N26 Standard will be &euro;10 for the optional card and &euro;2 ATM withdrawal fee if you exceed your three free domestic ATM withdrawals. </strong></p>
<h3>N26 Smart</h3>
<p>N26 Smart bank account will cost you &euro;4.90 per month. A physical debit card is included in the monthly subscription price. In addition to the perks you get with N26 Standard, you will also benefit from the following:</p>
<div class="checklist-box">
<ul>
<li>5 free domestic ATM withdrawals</li>
<li>Phone support</li>
<li>Access to "Spaces" which is a savings feature in the N26 app</li>
<li>Free debit card in five different colors</li>
</ul>
</div>
<p>The N26 Smart does only give you two more free domestic ATM withdrawals and the free debit card available in 5 color variations. The N26 Smart debit card will only pay off if you use the five free ATM domestic withdrawals.</p>
<p><mark>N26 runs a 2-month Smart free trial promotion for all Standard users, so if you sign up, you can access this promo from your phone. </mark></p>
<p>The annual cost for the N26 Smart in the first year is &euro;49 if you use the 2-month free trial and continue paying for the remaining ten months every month.</p>
<p>If you decide to pay for the annual subscription immediately after your 2-month trial, you will get a 20% discount, meaning you pay around &euro;47 for 14 months.</p>
<p>If you know that you will use at least 5 ATM withdrawals in your home country, then the N26 Smart is a much better deal for you.</p>
<p><mark>N26 Standard and N26 Smart users will have to pay a 1.7% ATM withdrawal fee for withdrawals abroad. </mark></p>
<h3>N26 You (Editor's Choice)</h3>
<p>N26 You is the perfect bank account for travelers who seek additional perks such as travel insurance and free ATM withdrawals worldwide.</p>
<p>The N26 You account offers the same perks as N26 Smart but also:</p>
<div class="checklist-box">
<ul>
<li>Free ATM withdrawals abroad</li>
<li>Best currency exchange rates</li>
<li>Medical travel insurance</li>
<li>Travel cancellation insurance</li>
<li>Pandemic travel coverage</li>
<li>Flight insurance</li>
<li>Luggage coverage</li>
<li>Mobility Insurance</li>
<li>Winter sports insurance</li>
</ul>
</div>
<p>The most significant benefit of the N26 You account is free ATM withdrawals worldwide. This is handy if you travel a lot, as not every country is as cashless as western Europe.</p>
<p>Not only are you not being charged any fees from N26 to withdraw cash abroad, but you will also get the best exchange rate if you let N26 make the conversion and not the local ATM machine.</p>
<p>Depending on your usage of this feature, you can likely pay the subscription price back with just the ATM withdrawals. N26 You also offers a list of travel insurance perks if you pay for your trip with your N26 bank card.</p>
<p>Especially the insurance for travel and flight cancelations, delays, and luggage coverage is useful in unexpected travel situations.</p>
<p>The insurance package is provided by Allianz Assistance and covers the following:</p>
<div class="checklist-box">
<ul>
<li>Medical insurance up to &euro;1,000,000 for you, your partner, and your kids in case of emergencies</li>
<li>Compensation of up to &euro;500 for flight delays over 4 hours.</li>
<li>Compensation of up to &euro;500 for baggage delays over 12 hours and up to &euro;2,000 if it goes missing.</li>
<li>Trip cancellation or curtailment up to &euro;10,000.</li>
</ul>
</div>
<p><strong>The N26 You account costs &euro;9.90 per month or &euro;95 per year if you are opt-in to pay the annual fee upfront.</strong></p>
<p>The N26 You account is likely your best option if you are a frequent traveler.</p>
<h3>N26 Metal</h3>
<p>N26 Metal is a premium N26 bank account with a metal debit card. This subscription plan offers the same features as the N26 You plan with the following additional perks:</p>
<div class="checklist-box">
<ul>
<li>18-gram metal card</li>
<li>8 Free domestic ATM withdrawals</li>
<li>Phone insurance of up to &euro;1,000 for mobile theft and damage</li>
</ul>
</div>
<p>The price of the N26 Metal is &euro;16.90 per month if you choose to pay monthly or &euro;162 for the annual plan. You essentially save &euro;40 by opting for the yearly membership.</p>
<p>The value you get from the additional cost of the N26 Metal compared to N26 You isn't worth it, in our opinion. The metal debit card is more of a status symbol as it doesn't provide any enhanced functionality compared to a plastic card.</p>
<p>If you don't need three additional free domestic ATM withdrawals and mobile insurance, the N26 Metal isn't worth the added cost.</p>
<div class="alert-box">
<h3>Fees for Incoming SWIFT transfers</h3>
<p>While SEPA transfers are free, N26 bank will charge you &euro;12,50 + 0,1% of the transaction amount for any incoming SWIFT transfers. You will be charged this fee independently from your subscription.</p>
</div>
<h2>N26 Banking App</h2>
<p>The N26 banking app is available for mobile and desktop devices, although most users will likely only use it on their phones.</p>
<p>The app offers a handy overview of your spending, balances, and transactions.</p>
<img class="lazy" src="https://p2pgallery.s3.eu-central-1.amazonaws.com/EN/n26-app.webp" border="0" alt="n26-app" width="auto" height="auto" loading="lazy" />
<p>You can quickly locate your recent transactions, top-up your account, send money, or schedule transfers.</p>
<p>As with every modern bank account, you can easily download bank statements. The usability of the N26 bank is superior to most traditional banks.</p>
<p>The N26 banking app does a great job of categorizing your expenses and managing your monthly budget. It can also be used as a budgeting tool that helps you keep track of your finances.</p>
<h3>N26 Spaces</h3>
<p>N26 Spaces is here to help you put money aside for trips or future expenses. It's a handy tool that will help you save money without even thinking about it. You can imagine it like a digital piggy bank.</p>
<p>N26 Spaces also support "round-ups" that automatically round up your expenses and save the change in a dedicated space.</p>
<h3>Perks And Insurances</h3>
<p>N26 premium users can also benefit from various insurances and perks that N26 offers. You can find it in your app's "Explore N26" section.</p>
<img class="lazy" src="https://p2pgallery.s3.eu-central-1.amazonaws.com/EN/n26-bank-review.webp" border="0" alt="n26-bank review" width="auto" height="auto" loading="lazy" />
<p>This is also the view where you can file an insurance claim or explore other products that N26 offers.</p>
<p>Overall the N26 banking app offers all you might need from a mobile-friendly digital bank.</p>
<h2>N26 Business Account</h2>
<p>N26 also offers an N26 business account for freelancers with a 0.1% cashback on all card purchases.</p>
<p>The account offers a dedicated debit card and five free ATM monthly withdrawals. You can pay in any currency; the bank won't charge you for foreign transactions.</p>
<p>The N26 business account offers similar budgeting features and statistics as the regular N26 bank account. The business account offers a handy feature that uses "Spaces" to set money aside for tax payments. This account also supports SEPA Instant Credit Transfers for speedy payments.</p>
<p>The N26 business account is made for freelancers or self-employed people and can provide an excerpt from a business registry.</p>
<p>N26 offers the same free and premium tiers as personal accounts.</p>
<p>The N26 business account is available for freelancers from Austria, Belgium, Denmark, Estonia, Finland, France, Germany, Greece, Iceland, Ireland, Italy, Liechtenstein, Luxembourg, the Netherlands, Norway, Poland, Portugal, Slovakia, Slovenia, Spain, Sweden, and Switzerland.&nbsp;</p>
<p>Unfortunately, N26 doesn't allow users to simultaneously own personal and business accounts. You can either get a personal or business account.</p>
<p><mark>While there is a workaround for this, and N26 offers a Meastro card for personal expenses, we don't think it's worth it, considering the cost and the usability of Meastro cards. </mark></p>
<h2>Is N26 Safe?</h2>
<p>N26 is a regulated German bank, meaning that the deposit protection scheme protects your money up to &euro;100,000.</p>
<p>The banking app offers a variety of security features such as passwords, PINs, two-factor authentication, and biometrics. You will also be asked to verify your login or any outgoing payments.</p>
<p>The N26 app allows you to enable notifications so you can be constantly updated about any activity on your account.</p>
<p>We have been using the N26 bank for more than six years, and we haven't had any issues with the app. Customer support is available through in-app chat, so you can ask for help within just two minutes directly from your phone should you ever need assistance.</p>
<h2>Final Takeaways</h2>
<p>N26 is an excellent choice for an affordable and convenient digital banking experience.</p>
<p>With great features like a mobile app, low fees, and free international transfers, it&rsquo;s an excellent option for those seeking an alternative to traditional banking.</p>
<p>If you sign up and opt-in to one of the paid plans, we suggest the N26 You annual membership. This plan offers excellent value for money, especially if you travel frequently.</p>
<p class="question">Ready to manage your finance with N26?</p>
<button class="redirect external_link_button promo" value="n26">Open account</button></article>

N26 Review 2025 

Honest N26 Review 2025 after 6 years ⏩ Is N26 safe? ☑️ What are the N26 fees ✅ How good is the N26 app? ⭐ Is N26 a real bank?

N26 Review 2025 🎖️ Is the N26 bank worth it?

Is the N26 bank worth it?

<article>
<h2>Wise Money Transfer Review 2023</h2>
<p>The money transfer service from Wise enables you to send money to 175 countries in 50 currencies. In this article, we will dive deeper into how Transferwise works and whether you should consider this service when sending money abroad.</p>
<p>In this step-by-step guide to Wise money transfer service, you will learn how to use the payments with Wise to send money internationally at the best rates and lowest fees.</p>
<h2>What Is TransferWise?</h2>
<p>Wise (formerly TransferWise) is a money-transferring service and a licensed payment provider offering a dedicated account and a <a href="https://p2pempire.com/en/wise-card">Wise card</a>.</p>
<p>Wise is one of the fastest-growing fintech companies, serving 15 million customers worldwide.</p>
<p>The service is used mainly to send money in different currencies at the lowest cost possible. With the Wise multicurrency account, you can receive payments and store money in 49 currencies.</p>
<div class="pros">
<h3>Pros</h3>
<ul>
<li>Flexible transfer options (send money from your debit or credit cards or bank account)</li>
<li>Best exchange rates</li>
<li>Exchange rates tracker</li>
<li>Fast money transfer service</li>
<li>Multicurrency transfers</li>
<li>Guaranteed rates for up to 32 hours</li>
<li>No hidden fees</li>
</ul>
</div>
<div class="cons">
<h3>Cons</h3>
<ul>
<li>Wise is not a licensed bank with a governmental deposit protection scheme</li>
</ul>
</div>
<p class="question">Ready to save money on international transfers?</p>
<button class="redirect external_link_button promo" value="wise">Sign up</button>
<h2>How To Transfer Money With Wise?</h2>
<p>Transferring money with Wise is intuitive and fast. Let's explain how wise payments work.</p>
<p>First, click this 👇 button to reach the Wise money transfer service page.</p>
<button class="redirect external_link_button promo" value="wise">Transfer money</button>
<p><img class="lazy" src="https://p2pgallery.s3.eu-central-1.amazonaws.com/EN/wise-transfer-money.webp" border="0" alt="wise transfer money" width="auto" height="auto" loading="lazy" /></p>
<p>On the Wise money transfer page, you can type in the amount of money you want to send in your local or recipient's currency.</p>
<p>Wise will also show you the transfer fees and the currency exchange rate, guaranteed for up to 32 hours, depending on the recipient's currency.</p>
<p>Exploring the <strong>Transfer types</strong> is essential if you are looking for the cheapest money transfer. You can review it by clicking on the "Fast transfer fee" dropdown item.</p>
<p><img class="lazy" src="https://p2pgallery.s3.eu-central-1.amazonaws.com/EN/wise-money-transfer-fees.webp" border="0" alt="wise money transfer fees" width="auto" height="auto" loading="lazy" /></p>
<p>As you can see, Wise is, by default offering a more expensive and faster money transfer service. If you are not in a rush or prefer to save money, you may also opt in for a cheaper transfer type offered by the "Low-cost transfer".</p>
<p>You should be informed about the following three transfer types:</p>
<div class="tips-box">
<ol>
<li>Fast transfer - send money from your debit or credit card (the most expensive)</li>
<li>Low cost transfer - send money from your bank account (most affordable)</li>
<li>Easy transfer - send money from your bank with online payment (reasonably priced)</li>
</ol>
</div>
<p>When you click on "Get started" you will be requested to create an account. This is useful as Wise can save your transfers, and you can send money faster in the future.</p>
<p>After you create your account, you will land on a landing page that will walk you through the money transfer processes.</p>
<p><img class="lazy" src="https://p2pgallery.s3.eu-central-1.amazonaws.com/EN/wise-payment.webp" border="0" alt="wise payments" width="auto" height="auto" loading="lazy" /></p>
<p>You can review your payment amount and compare prices to other money transfer service providers.</p>
<p><img class="lazy" src="https://p2pgallery.s3.eu-central-1.amazonaws.com/EN/money-transfer-fees-comparison.webp" border="0" alt="money transfer fees wise comparison" width="auto" height="auto" loading="lazy" /></p>
<p>Naturally, Wise compares itself only to providers who offer the same or more expensive services.</p>
<p>It's, however, helpful to see which banks are using Wise money transfer service to enable their clients to send money internationally.</p>
<p><mark>The N26 bank, for example, also uses Wise for international money transfers, as explained in our <a href="https://p2pempire.com/en/n26-review">N26 review</a>. </mark></p>
<p>By clicking on "Continue", you can send the money to your bank account, someone else, or a business or charity.</p>
<p><img class="lazy" src="https://p2pgallery.s3.eu-central-1.amazonaws.com/EN/wise-sending-money.webp" border="0" alt="wise sending money internationally" width="auto" height="auto" loading="lazy" /></p>
<p>You will need to type in the bank account details. Input the recipient's bank details depending on the recipient's currency. Typing in the recipient's email is optional.</p>
<p>After inserting the recipient's bank details, confirm your input and click "Continue".</p>
<p><img class="lazy" src="https://p2pgallery.s3.eu-central-1.amazonaws.com/EN/wise-payment-method.webp" border="0" alt="wise payment methods" width="auto" height="auto" loading="lazy" /></p>
<p>In the next step, you will be requested to:</p>
<div class="tips-box">
<ol>
<li>Review the data</li>
<li>Type in your payment reference</li>
<li>Choose your preferred transfer type</li>
</ol>
</div>
<p>If you want to pay immediately with your debit or credit card, you can choose the "Fast transfer"; otherwise, you can select the "Low-cost transfer" to save on fees.</p>
<p>After you choose your transfer type, click on "Continue to payment".</p>
<div class="checklist-box">
<ul>
<li>If you have chosen to pay with a debit or credit card, you type in your card information to send your payment.</li>
<li>If you have chosen the low-cost transfer, you have to log in to your bank account and transfer money with the payment details provided by Wise on the next screen.</li>
</ul>
</div>
<p>You need to initiate the transfer for Wise to make the payment to the recipient's account.</p>
<p><img class="lazy" src="https://p2pgallery.s3.eu-central-1.amazonaws.com/EN/wise-money-transfer-review.webp" border="0" alt="wise money transfer review" width="auto" height="auto" loading="lazy" /></p>
<p>As you can see on the chart above, you are essentially sending money to Wise, which will convert it between the local and foreign Wise banks before sending it to your recipient.</p>
<p><mark>It's essential to type in an apparent payment reference so the recipient can allocate your transfer. </mark></p>
<p>The money transfer time depends on the recipient's country and its bank. If you have sent money to the recipient via Wise in the past, the international transfer might be faster than if you sent money the first time.</p>
<p>Wise gives you an estimated money transfer time for every transaction. You can also track the transaction in your Wise app.</p>
<p>Additionally, the money transfer provider will notify you via email about the progress of your transaction.</p>
<h3>In Which Countries Can You Transfer Money With Wise?</h3>
<p>You can send money with Wise to the following countries: Argentina, Australia, Bangladesh, Brazil, Bulgaria, Canada, Chile, China, Colombia, Costa Rica, Czech Republic, Denmark, Egypt, Europe, Georgia, Ghana, Hong Kong, Hungary, Kenya, Malaysia, Mexico, Morocco, Nepal, New Zealand, Norway, Pakistan, Philippines, Poland, Romania, Singapore, South Africa, South Korea, Sri Lanka, Sweden, Switzerland, Liechtenstein, Tanzania, Thailand, Turkey, Uganda, Ukraine, UAE, UK, USA, Uruguay, Vietnam, and Zambia.</p>
<p><mark>Note that the available "transfer types" might vary in every region</mark>.</p>
<p>If the recipient's country is not on the list, you can still send money if the bank account is denominated in USD, EUR, or GBP.</p>
<h3>How Long Do International Transfers Take?</h3>
<p>In the US, receiving an international transfer takes 4 to 5 working days. Domestic transfers take between 1 and 3 working days. In Europe, SEPA transfers typically take less than one working day. Repeat transfers may take just a few minutes.</p>
<h3>Are There Any Transfer Limits With Wise?</h3>
<p>You must follow certain limits when sending money in various currencies. Here are the limits for U.S.-based clients.</p>
<table class="comparison4">
<tbody>
<tr>
<th>Payment type</th>
<th>Per transfer</th>
<th>Per day</th>
<th>Per Week</th>
</tr>
<tr>
<td><strong>Wire transfer</strong></td>
<td>1,000,000 USD</td>
<td>-</td>
<td>-</td>
</tr>
<tr>
<td><strong>ACH payment</strong></td>
<td>15,000 USD</td>
<td>15,000 USD</td>
<td>-</td>
</tr>
<tr>
<td><strong>Debit/credit card</strong></td>
<td>2,000 USD</td>
<td>2,000 USD</td>
<td>8,000 USD</td>
</tr>
</tbody>
</table>
<p>On top of those limits, U.S.-based clients may receive up to 20,000,000 USD per transfer or up to 35,000,000 USD per year to their Wise USD account.</p>
<h3>Transferwise International vs. Local</h3>
<p>When sending money internationally, you might wonder whether using your local bank is cheaper. Here is a comparison of fees you should expect to pay when using your US bank vs. the money transfer service from Wise.</p>
<table class="comparison3">
<tbody>
<tr>
<th>Type of fee</th>
<th>International (SWIFT) transfers</th>
<th>Wise charges</th>
</tr>
<tr>
<td><strong>Sending transfer fee</strong></td>
<td>Ranges from 10 USD - 35 USD</td>
<td>0.5% - 2.5%</td>
</tr>
<tr>
<td><strong>Intermediary bank fees</strong></td>
<td>Yes</td>
<td>None</td>
</tr>
<tr>
<td><strong>Exchange rate markup</strong></td>
<td>Yes</td>
<td>None</td>
</tr>
<tr>
<td><strong>Recipient transfer fee</strong></td>
<td>Yes, from 0 USD - 9 USD</td>
<td>There is no Wise fee and most banks don't charge for local transfers</td>
</tr>
</tbody>
</table>
<h2>Wise Currency Rates</h2>
<p>Wise offers one of the best currency converters on the market. You can choose the currency you wish to convert and the destination currency to check the current exchange rate.</p>
<p>You can also set up an alert to get a notification when the exchange rate reaches your desired rate.</p>
<p><img class="lazy" src="https://p2pgallery.s3.eu-central-1.amazonaws.com/EN/wise-currency-converter.webp" border="0" alt="wise currency converter" width="auto" height="auto" loading="lazy" /></p>
<p>Wise uses the mid-market rate for which you can sell and buy currencies. That's better than most of the rates other money exchange services offer, which always add a markup.</p>
<p>Here is an example of how much more you will pay if you don't get the mid-market rate.</p>
<p><img class="lazy" src="https://p2pgallery.s3.eu-central-1.amazonaws.com/EN/wise-currency-rate.webp" border="0" alt="wise currency rate" width="auto" height="auto" loading="lazy" /></p>
<p>The currency rate you will pay for your transfer is essential, especially when sending larger amounts, where every change in the rate can result in paying more than needed.</p>
<p>When it comes to the exchange rate, Wise offers, in almost all instances, the best rates, remember, however, that the rate is just one factor in the equation.</p>
<p>Wise will also charge a transfer fee, depending on the transfer type and currency.</p>
<p><mark>When comparing transfers between Revolut and Wise. In our <a href="https://p2pempire.com/en/revolut-review">Revolut review</a>, you will learn that the bank often uses an identical or even better rate, but the fees are higher, which makes Wise a better option. </mark></p>
<p>Especially when sending large amounts, it's recommended to compare <a href="https://p2pempire.com/en/wise-vs-revolut">between Wise and Revolut</a>. The benefit of Wise is that you always know what you are paying. There are no hidden costs that you need to pay attention to.</p>
<h2>Is Transferwise Legit?</h2>
<p><strong>Wise is not a bank</strong> and, therefore, cannot lend your money to borrowers like it's the case with licensed banks.</p>
<p>If a bank goes bankrupt due to poor lending practices, the governments tend to offer a financial protection scheme that protects many European clients in theory for up to &euro;100,000.</p>
<p>Wise doesn't lend money to borrowers and is therefore not backed by a deposit protection scheme. Instead, Wise is following strict procedures to safeguard your funds.</p>
<p>The safeguarding principles vary depending on the regulation in a particular region.</p>
<p>Wise stores the funds in regulated large banks for UK clients, mainly in the UK and Estonia. According to Wise, the funds safeguarded for UK clients are partially invested in low-risk assets like bonds.</p>
<p>Wise doesn't disclose whether the company is investing assets from non-UK clients.</p>
<p>The funds are stored at large banks in Estonia and Ireland for clients from the European Economic Area.</p>
<p>To learn more about Wise's business model and financials, navigate to wise.com/owners.</p>
<p><mark>Wise is a public company in the UK that experienced a growth of 55% in revenue between 2021 and 2022. </mark></p>
<p>Based on the extensive information about Wise, its impressive track record, and our experience with the money transfer service, we believe that Wise offers an honest and competitive service for anyone looking to transfer funds between various currencies for fair rates.</p>
<p class="question">Ready to save money on international transfers with Wise?</p>
<button class="redirect external_link_button promo" value="wise">Get started</button></article>

Wise Money Transfer Review

Honest Wise Money Transfer 2025 after 5 years ⏩ Is Wise safe? ☑️ Wise money transfer fees ✅ How to send money internationally ⭐ Is Wise legit?

Wise Money Transfer Review 2025 | Is Wise Safe?

Learn how the Wise money transfer works!

<article>
<h2>Trade Republic Review</h2>
<p>Trade Republic is one of the fastest-growing online brokers in the EU, available in 17 countries. In this Trade Republic review, we will examine hidden fees, spreads, and pros and cons to determine whether the online broker is a good fit for you.</p>
<img class="lazy" src="https://p2pgallery.s3.eu-central-1.amazonaws.com/EN/trade-republic-fees.webp" border="0" alt="trade republic fees" loading="lazy">
<h2>What Is Trade Republic?</h2>
<p>Trade Republic is one of German's leading online brokers that offer investments in 10,400 stocks and ETFs. The company is known for its user-friendly app, no order fees, free savings plans, and the option to invest in fractional shares.</p>
<h2>Pros And Cons Of Trade Republic</h2>
<p>As with any online broker, there are always pros and cons that you need to consider when trading your hard-earned money.</p>
<div class="pros">
<h3>Pros</h3>
<ul>
<li>2% APY on uninvested funds</li>
<li>&euro;15 to &euro;25 free stock during sign up</li>
<li>No order fees</li>
<li>No account management fees</li>
<li>Free savings plans are available</li>
<li>Regulated by BaFin in Germany</li>
<li>10,400 stocks and ETFs</li>
</ul>
</div>
<div class="cons">
<h3>Cons</h3>
<ul>
<li>Trades are available only on one stock exchange Lang &amp; Schwarz</li>
<li>You don't own your cryptocurrencies</li>
<li>Trading outside of trading hours is expensive</li>
<li>Spread is not always in your favor</li>
<li>Support is not always reachable</li>
</ul>
</div>
<div class="tips-box">
<h3>Who Is Trade Republic Suitable For?</h3>
<p>Trade Republic is suitable for investors who appreciate maximal comfort and low fees when investing in the stock market.</p>
</div>
<h2>Trade Republic Fees</h2>
<p>Trade Republic is one of the most affordable brokers on the market. Let's have a look at the broker's fees.</p>
<table class="comparison2">
<tbody>
<tr>
<td><strong>Order commission</strong></td>
<td>free of charge</td>
</tr>
<tr>
<td><strong>Third-party fee</strong></td>
<td>&euro;1.00 per order</td>
</tr>
<tr>
<td><strong>Savings plan purchase ETF / stock / crypto</strong></td>
<td>free of charge</td>
</tr>
<tr>
<td><strong>Custody account management</strong></td>
<td>free of charge</td>
</tr>
<tr>
<td><strong>Custody account transfer (outbound)</strong></td>
<td>free of charge</td>
</tr>
<tr>
<td><strong>Transfer order by letter</strong></td>
<td>&euro;25.00</td>
</tr>
</tbody>
</table>
<p>As you can see, trading costs on the Trade Republic are relatively low. There aren't any order fees, but you will be charged a third-party fee of &euro;1 per trade.</p>
<p>Apart from the affordable trading fees, you <strong>should pay attention to the spread</strong>.</p>
<h3>Trade Republic Spread</h3>
<p>The spread represents the difference between buying and selling price of a security. Suppose you buy and immediately sell a stock; you will lose money due to the spread.</p>
<p>You will always be offered a higher price when buying stocks and a lower price when selling stocks.</p>
<p><mark>Trade Republic claims on its website that they offer a 43% better spread than the market average. This is, however, a statement based on a study they paid for in 2021, so investors should take this information with a grain of salt. </mark></p>
<p>While trades on Trade Republic will be executed during business days between 7:30 am to 11:00 pm CET, you will receive the best spreads between 9:00 am and 5:30 pm CET as the spreads are linked to XETRA, Trade Republic's reference exchange, which operates during weekdays until 5:30 pm CET.</p>
<p>The spread on Trade Republic is dynamic and ranges between 0.5% and 2%.</p>
<p><mark>While the spread won't incur a high cost when trading smaller volumes, if you plan to trade bigger positions, it's worth comparing the prices of various brokers. </mark></p>
<p>Outside of the above-mentioned fees, Trade Republic allows you to leverage your position with over 40,000 derivates, which may result in costs or a capital loss.</p>
<p><mark>Trading with leverage is connected to extreme risk, and most traders lose money. </mark></p>
<h2>Trade Republic Short Selling</h2>
<p>Short selling on Trade Republic is available via derivates. Traders can buy and sell leveraged knock-out certificates, either mini futures or open-end turbo.</p>
<p>The financial product you can trade on Trade Republic is issued by HSBC and is <strong>subject to risks</strong>. This type of <strong>speculative investment may lead to the total loss of the invested capital</strong>.</p>
<h2>Trade Republic Fractional Shares</h2>
<p>Trade Republic offers you the option to buy fractional shares for just &euro;1.</p>
<p>This means that if a stock's price is set at &euro;300, you can still purchase a fraction of the stock and benefit from the volatility in the market. Fractional shares enable you to build a more diversified portfolio within your budget.</p>
<h2>Trade Republic Savings Plans</h2>
<img class="lazy" src="https://p2pgallery.s3.eu-central-1.amazonaws.com/EN/traderepublic-savings-plan.webp" border="0" alt="traderepublic savings plan" loading="lazy">
<p>Trade Republic offers 2,400 ETFs available as savings plans, including stocks or cryptocurrencies.</p>
<p>All savings plans on Trade Republic can be traded for free. There is no third-party fee, as it's the case when buying individual shares.</p>
<p>The trading app offers a wide variety of options. You can launch a savings plan from just &euro;1, making it suitable for beginners looking to invest in ETFs automatically every month at no fees.</p>
<p>On Trade Republic, you can choose from weekly, bi-weekly, monthly, or quarterly savings intervals.</p>
<h2>Savings Account</h2>
<img class="lazy" src="https://p2pgallery.s3.eu-central-1.amazonaws.com/EN/traderepublic-saving.webp" border="0" alt="trade republic interest rate" loading="lazy">
<p>Trade Republic currently offers 2% annual interest on your uninvested funds, calculated daily. The trading firm will pay you 2% interest up to &euro;50,000 of uninvested funds. This function has to be activated in the mobile app.</p>
<h2>Crypto</h2>
<img class="lazy" src="https://p2pgallery.s3.eu-central-1.amazonaws.com/EN/traderepublic-crypto.webp" border="0" alt="traderepublic crypto" loading="lazy">
<p>The trading app also offers the option to buy and sell more than 40 cryptocurrencies. You can simply top-up your account with a bank transfer, credit card or Google Pay to trade cryptocurrencies on Trade Republic.</p>
<p>You will be charged a &euro;1 third-party fee and a 1.5% spread, higher than on most crypto exchanges.</p>
<p>Note that on Trade Republic, you cannot withdraw your crypto to your hardware wallet, meaning you are never the owner of your assets as you don't own the private keys.</p>
<p>Your cryptocurrencies are stored at Bitgo, which is a regulated custodian in Germany.</p>
<p>If you want to be in control of your cryptos, we recommend using hardware wallets from <button class="redirect externaltext" value="trezor">Trezor</button>, which offer more flexibility than the custody solution provided by Trade Republic.</p>
<h2>Is Trade Republic Safe?</h2>
<p>German BaFin, the local financial regulator, regulates Trade Republic.</p>
<p>All investor's deposits are legally protected up to &euro;100,000 per investor. The client's uninvested funds are held in Solarisbank SE, Citibank Europe plc, and Deutsche Bank, also regulated in Germany. Citibank Europe plc is regulated in Ireland.</p>
<p>Invested capital is not protected by any deposit protection scheme and is subject to risk.</p>
<p>Your portfolio is held at HSBC bank in Germany. According to Trade Republic, you own all purchased shares in your portfolio.</p>
<p>You should know that there are always risks connected to trading stocks.</p>
<p>According to the Trade Republic terms, even if the firm goes bankrupt, the shares are still yours. You will be able to transfer them to a different broker. This is a risk that applies to all brokers.</p>
<h3>Poor Customer Support</h3>
<p>When engaging with financial institutions, you must have someone available if you face issues with your account.</p>
<p>Online brokers aren't famous for their customer support, which is also why Trade Republic is often criticized by its clients.</p>
<p>Support via phone is often unavailable, and emails are being answered with a generic response, which may not be helpful if you face serious issues.</p>
<p>If you encounter problems with your account, it might be challenging to resolve them with Trade Republic.</p>
<p>Some investors also report technical errors and bugs, which may increase your frustration when trading shares on the platform.</p>
<h2>Alternatives to Trade Republic</h2>
<p>You are lucky if you are looking for a worthy alternative to Trade Republic with better customer support! Here are the best options for you.</p>
<h3>Scalable Capital</h3>
<img class="lazy" src="https://p2pgallery.s3.eu-central-1.amazonaws.com/EN/scalable-capital-trade-republic.webp" border="0" alt="scalable capital" loading="lazy">
<p>Scalable Capital is likely the best alternative to Trade Republic with better support and the option to earn 2.3 % interest p.a. on your uninvested funds up to &euro;100.000.</p>
<p>While the savings feature is available only for PRIME+ Broker accounts, the trading app offers investments in over 7,000 stocks worldwide and 2,000 ETFs.</p>
<p>The fees on Scalable Capital depend on your broker account. You can either set up a free broker account where you pay only &euro;0.99 per trade and &euro;0 for savings plans, or you can opt-in for an affordable PRIME Broker or PRIME+ Broker account, where you pay just &euro;2.99 or &euro;4.99 per month and enjoy commission-free trading on all stocks and ETFs as well as savings plans.</p>
<p>Scalable Capital is a trusted broker, offering a superior trading experience at fair terms.</p>
<p class="question">Are you ready to trade with Scalable?</p>
<button class="redirect external_link_button promo" value="scalable">Get Started</button>
<p><mark>Or learn more about this trading app in our <a href="https://p2pempire.com/en/scalable-capital-review">Scalable Capital review</a>. You can compare both trading apps in our comparison <a href="https://p2pempire.com/en/scalable-capital-vs-trade-republic">Scalable Capital vs. Trade Republic</a>.</mark></p>
<center></center>
<h3>eToro</h3>
<img class="lazy" src="https://p2pgallery.s3.eu-central-1.amazonaws.com/EN/etoro-trading.webp" border="0" alt="etoro" loading="lazy">
<p>Etoro is a global trading platform offering investments in stocks, ETFs, crypto, commodities, indices, and currencies. It provides a much more extensive selection of assets than Trade Republic.</p>
<p>If you are frustrated with technical issues that some of the users on Trade Republic are experiencing, eToro might be a worthy alternative.</p>
<p>Your account on eToro is free; there are also no management fees and 0% commissions on stocks. There are, however, spreads and withdrawal fees that you should consider. eToro also supports trading fractional shares from as little as $10.</p>
<p>The trading platform offers a demo account to explore eToro's functionalities in a safe environment.</p>
<button class="redirect external_link_button promo" value="etoro">Register Now</button>
<p><mark>European investors will use eToro (Europe) Ltd., a Financial Services Company authorized and regulated by the Cyprus Securities Exchange Commission.</mark></p>
<h2>Is Trade Republic Worth It?</h2>
<p>The trading services offered by Trade Republic are suitable for most retail investors who wish to buy individual stocks or use savings plans to automate their investment in the stock market at the lowest fees possible.</p>
<p>If you have higher demands on a trading platform and wish to have access to support when required, Trade Republic might not be the best fit for you.</p>
<p>While investors might prioritize a broker with low fees, <strong>remember that you get what you pay for</strong>. If you expect to pay &euro;0 trading fees, you shouldn't expect the best customer experience or client support.</p>
<p>If you want to test Trade Republic, as a newly registered trader, you will receive a <strong>free stock of &euro;15 to &euro;25</strong>.</p>
<p><mark>If you want to earn passive income by investing in loans, navigate to our <a href="https://p2pempire.com/en/comparison">P2P lending calculator</a> to calculate your expected profit. Are you wondering how P2P lending compares to stocks? Read our article about <a href="https://p2pempire.com/en/comparison/p2p-lending-vs-stocks">P2P lending vs. stocks</a>.</mark></p>
<div class="alert-box">
<h3>Risk Disclaimer</h3>
<p>Investments in the stock market are subject to risks.</p>
<p>The statements, comments and other content contained in this article, even if individual issuers or financial instruments are mentioned, are not to be construed as investment advice and do not constitute, directly or indirectly, a recommendation or solicitation to buy, hold or sell any financial instrument or any advice relating thereto.</p>
<p>Some mentioned trading platforms offer various financial products.</p>
<p>CFDs are complex instruments and come with a high risk of losing money rapidly due to leverage. 81% of retail investor accounts lose money when trading CFDs with this provider. You should consider whether you understand how CFDs work and whether you can afford to take the high risk of losing your money.</p>
</div>
</article>

Trade Republic Review 2025

Honest Trade Republic Review 2025 ⏩ Is Trade Republic Safe? ☑️ Overview of fees ✅ Are €0 trading fees worth it? ⭐ Find out now!

Trade Republic Review 2025 | Is Trade Republic Worth It?

Is Trade Republic worth it?

<article>
<h2>Scalable Capital Review</h2>
<p>Scalable Capital is one of the best online brokers in Germany, with very competitive savings plan options enabling investors to benefit from the long-term growth of the capital markets. In this Scalable Capital review, we will have a closer look at the offered products, fees, and the pros and cons of Scalable Capital.</p>
<img class="lazy" src="https://p2pgallery.s3.eu-central-1.amazonaws.com/EN/scalable-capital-reviews.webp" border="0" alt="scalable capital reviews" loading="lazy">
<h2>What Is Scalable Capital?</h2>
<p>Scalable Capital is a Munich-based online broker that was launched in 2014 with the goal to create a convenient, easy-to-use mobile trading platform.</p>
<p>Today, Scalable Capital is mainly known for its wide variety of savings plans that enable you to automate your investments in ETFs, stocks, and crypto commission-free from as little as &euro;1. On Scalable Capital you can trade fon the gettex and Xetra exchange.</p>
<h2>Pros And Cons Of Scalable Capital</h2>
<p>As with any online broker, there are pros and cons that you should be aware of.</p>
<div class="pros">
<h3>Pros</h3>
<ul>
<li>Best savings plans on the market with 2,000 eligible ETFs</li>
<li>2.3% interest up to &euro;100,000 for PRIME+ members</li>
<li>Free deposits and withdrawals</li>
<li>Low trading fees for PRIME members</li>
<li>Savings plans can be used for just &euro;1 per execution</li>
<li>Free plan for beginners</li>
<li>Decent customer support</li>
</ul>
</div>
<div class="cons">
<h3>Cons</h3>
<ul>
<li>&euro;3.99 fees for trades on the Xetra exchange</li>
<li>Only available for residents from Germany, Austria, Italy, Spain, France, and the Netherlands</li>
</ul>
</div>
<div class="tips-box">
<h3>Who Is Scalable Capital Suitable For?</h3>
<p>Scalable Capital offers a variety of products. It is mainly <strong>suited for retail investors interested in building a long-term portfolio using the provided savings plans</strong>. The low fees and <strong>customer-oriented support</strong> make Scalable Capital one of the best neo-brokers in Germany.</p>
<button class="redirect external_link_button promo" value="scalable">Open Account</button></div>
<h2>Scalable Capital Fees</h2>
<p>As with every trading platform, you must inform yourself about the fees since this might lower your return on investment.</p>
<img class="lazy" src="https://p2pgallery.s3.eu-central-1.amazonaws.com/EN/scalable-capital-fees.webp" border="0" alt="scalable capital fees" loading="lazy">
<p>When investing with the Scalable Capital broker, you should be aware of the following costs based on the plan of your choice.</p>
<table class="comparison4">
<tbody>
<tr>
<th>&nbsp;</th>
<th>FREE Broker</th>
<th>PRIME Broker</th>
<th>PRIME+ Broker</th>
</tr>
<tr>
<td><strong>Monthly account fees</strong></td>
<td>&euro;0</td>
<td>&euro;2.99</td>
<td>&euro;4.99</td>
</tr>
<tr>
<td><strong>Savings plan fees</strong></td>
<td>&euro;0</td>
<td>&euro;0</td>
<td>&euro;0</td>
</tr>
<tr>
<td><strong>Order fees per trade min. &euro;250 (gettex)</strong></td>
<td>&euro;0.99</td>
<td>&euro;0</td>
<td>&euro;0</td>
</tr>
<tr>
<td><strong>Order fees per trade from &euro;0 (gettex)</strong></td>
<td>&euro;0.99</td>
<td>&euro;0.99</td>
<td>&euro;0.99</td>
</tr>
<tr>
<td><strong>Order fees per trade (Xetra)</strong></td>
<td>0.99%</td>
<td>0.69%</td>
<td>0.69%</td>
</tr>
<tr>
<td><strong>Custody fees</strong></td>
<td>&euro;0</td>
<td>&euro;0</td>
<td>&euro;0</td>
</tr>
<tr>
<td><strong>Deposits (transfer, direct debit)</strong></td>
<td>&euro;0</td>
<td>&euro;0</td>
<td>&euro;0</td>
</tr>
<tr>
<td><strong>Deposits via Instant</strong></td>
<td>0.99%</td>
<td>0.69%</td>
<td>0.69%</td>
</tr>
<tr>
<td><strong>Instant deposits from &euro;5,000</strong></td>
<td>&euro;0</td>
<td>&euro;0</td>
<td>&euro;0</td>
</tr>
</tbody>
</table>
<p>As you can see, Scalable Capital is very <strong>transparent in its pricing policy</strong>. The online broker offers some of the lowest fees for anyone interested in investing in stocks or using the provided savings plans at no extra cost.</p>
<p><mark>What's worth mentioning is that if you decide to invest on Xetra, you will be charged &euro;3.99 per trade as well as 0.01 %, or at least &euro;1.50 trading venue fee.</mark></p>
<p>Scalable Capital also charges between 0.99% and 0.69% on deposits via Instant. You can deposit via bank transfer or direct debit for free to avoid this fee.</p>
<h2>Scalable Capital Savings Plans</h2>
<img class="lazy" src="https://p2pgallery.s3.eu-central-1.amazonaws.com/EN/scalable-capital-savings-plans.webp" border="0" alt="scalable capital savings plans" loading="lazy">
<p><strong>Savings plans are by far the most popular products</strong> offered by Scalable Capital. Even if you use the FREE Broker plan at no monthly cost, you can <strong>invest in 2,000 eligible ETFs</strong> through savings plans for free.</p>
<p>While Scalable Capital doesn't charge you any fees to set up and run savings plans, there is a <strong>total expense ratio (TER)</strong> for every ETF that will be deducted from your account.</p>
<p>Some of the most popular savings plan ETFs on Scalable Capital are:</p>
<table class="comparison3">
<tbody>
<tr>
<th>ETF</th>
<th>ISIN</th>
<th>Total Expense Ratio (TER)</th>
</tr>
<tr>
<td><strong>Invesco MSCI World UCITS ETF</strong></td>
<td>IE00B60SX394</td>
<td>0.19 % p.a.</td>
</tr>
<tr>
<td><strong>iShares Core MSCI World UCITS ETF</strong></td>
<td>IE00B4L5Y983</td>
<td>0.20% p.a.</td>
</tr>
<tr>
<td><strong>Xtrackers MSCI World ESG UCITS ETF 1C</strong></td>
<td>IE00BZ02LR44</td>
<td>0.20% p.a.</td>
</tr>
</tbody>
</table>
<p>The benefit of using a savings plan is that you can automate your regular contribution to your portfolio or adjust it anytime based on your budget. Scalable also offers a direct debit feature, enabling the trading company to automatically deduct the funds from your bank account and execute the savings plan, without you having to transfer money to your Scalable investment account.&nbsp;</p>
<p>Investing with savings plans allows you to <strong>create a well-diversified portfolio for only &euro;1</strong> without researching companies or speculating on individual stocks.</p>
<p>You will also benefit from the <strong>dollar-cost averaging strategy</strong>, enabling you to develop disciplined investing habits without worrying about timing the market.</p>
<p>Scalable Capital offers several execution days, and you can also set your savings plan interval to be executed every month, bi-monthly, or quarterly.</p>
<p>The savings plan from Scalable Capital can be set up for ETFs, individual stocks, crypto ETPs, and funds.</p>
<p>If you are looking for a broker that offers free savings plan options that you can use to grow your portfolio, Scalable Capital is certainly a suitable option to consider.</p>
<p class="question">Ready to automate your stock portfolio?</p>
<button class="redirect external_link_button promo" value="scalable">Create A Savings Plan</button>
<h2>Savings Account</h2>
<img class="lazy" src="https://p2pgallery.s3.eu-central-1.amazonaws.com/EN/scalable-capital-interest.webp" border="0" alt="scalable capital interest" loading="lazy">
<p>Scalable Capital just recently started offering <strong>2.3% interest on uninvested capital up to &euro;100,000</strong>. This savings feature is available for all PRIME+ Broker members.</p>
<p>If you opted-in for the <strong>PRIME+ Broker plan</strong> for just &euro;4.99 per month, you can earn interest on your uninvested capital.</p>
<p>The annual fees from PRIME+ Broker will be paid off with the received interest as soon as you deposit &euro;2,600 into your Scalable Capital account.</p>
<p>The PRIME+ Broker plan enables you to trade stocks and ETFs commission-free, saving you a lot of fees if you are an active trader.</p>
<p><mark>By using the savings feature and depositing &euro;2,600 into your account, you can use the PRIME+ Broker plan at no extra cost since the interest will cover your annual fees.</mark></p>
<h2>Wealth Management - Roboadvisor</h2>
<p>Scalable Capital also offers the option to use the company's wealth management services. This service is, however, <strong>only available to investors from Germany and Austria.&nbsp;</strong></p>
<p>Based on your criteria, Scalable Capital will create a well-diversified ETF portfolio and make ongoing adjustments based on market conditions.</p>
<p>The trading firm takes over your asset management, offering personalized customer service and ongoing monitoring.</p>
<p>The wealth management service is a paid feature. Whether the personalized support is worth the cost depends on the return that the team can achieve for you.</p>
<h2>Scalable Capital Trading Hours</h2>
<p>Trading occurs via the stock exchanges gettex (Munich Stock Exchange) or Xetra (German Stock Exchange).</p>
<p>Trading is possible via gettex from 8:00 a.m. to 10:00 p.m. from Monday to Friday, Xetra is open from 9:00 a.m. to 5:30 p.m. on the same days.</p>
<p>Generally, placing orders at Scalable Capital around the clock (from 00:15 to 23:30) on trading days is possible. They are executed at the next possible time.&nbsp;</p>
<h2>Is Scalable Capital Safe?</h2>
<p>Scalable Capital is a reputable online broker from Germany that the <strong>German Federal Financial Supervisory Authority BaFin regulates</strong>.</p>
<p>Your <strong>funds are stored at Baader Bank in Germany</strong> and your uninvested capital is protected by the German deposit protection scheme up to &euro;100,000 per investor.</p>
<p>Even in the unlikely event that Scalable Capital goes bankrupt, your stocks are yours, and they won't be part of the insolvency estate. The custodian bank will allow you to transfer your securities to a different broker.</p>
<p>Scalable Capital isn't authorized to take ownership of your assets.</p>
<p>The trading platform follows the best cybersecurity practices and offers a 2FA for its users.</p>
<h2>Alternatives to Scalable Capital</h2>
<p>As with any online broker, Scalable Capital isn't the only trading firm on the market. There are plenty of other trading platforms offering similar or more advanced features. Here are some of the best alternatives to Scalable Capital.</p>
<h3>Trade Republic</h3>
<p><img class="lazy" src="https://p2pgallery.s3.eu-central-1.amazonaws.com/EN/trade-republic-fees.webp" border="0" alt="trade republic " loading="lazy"></p>
<p>Trade Republic is likely the biggest competitor to Scalable Capital. The German-based trading app offers the lowest fees on the market with no monthly plans.</p>
<p>In addition to free savings plans, Trade Republic offers 2% annual interest on uninvested funds for all its clients up to &euro;50,000.</p>
<p>Regarding savings plans, you can choose from 2,400 ETFs in which you can regularly invest from just &euro;1.</p>
<p>While Trade Republic enables you to trade securities via LS exchange, Scalable Capital offers trades through Gettex and Xetra.</p>
<p>Trade Republic is slightly cheaper than Scalable Capital, especially for users using the free plan.</p>
<p>There is, however, a difference in the quality of support. Many clients are complaining about the support of Trade Republic, whereas most customers on Scalable Capital are content with the client's support, which is an essential factor to consider when investing your hard-earned money.</p>
<p>Read our <a href="https://p2pempire.com/en/trade-republic-review">Trade Republic review</a> to learn more about this trading firm or compare both trading apps in our comparison <a href="https://p2pempire.com/en/scalable-capital-vs-trade-republic">Scalable Capital vs. Trade Republic</a>.</p>
<center></center>
<h3>eToro</h3>
<p><img class="lazy" src="https://p2pgallery.s3.eu-central-1.amazonaws.com/EN/etoro-trading.webp" border="0" alt="etoro" loading="lazy"></p>
<p>Etoro is a globally-renowned trading platform that offers its customers access to numerous investment options, ranging from stocks and ETFs to crypto, commodities, indices, and currencies.</p>
<p>It boasts an impressive variety of assets compared to Scalable Capital - one you won't want to miss out on!</p>
<p>Utilizing eToro is entirely free, with no management fees or commissions on stocks.</p>
<p>Withdrawal and spread fees should be considered, yet fractional shares can still be traded from a mere $10!</p>
<p>If you're unsure what to expect when trading via this platform, then why not trial out their demo account?</p>
<p>That way, you can explore all of the features of eToro without any risk - how great does that sound?</p>
<button class="redirect external_link_button promo" value="etoro">Register on eToro</button>
<h2>Is Scalable Capital Worth It?</h2>
<p>Scalable Capital is worth considering for investors looking to invest in ETFs with savings plans. The platform offers many options and features excellent customer support, which is difficult to find.</p>
<p>If you reside in Germany, Austria, Italy, Spain, France or the Netherlands, Scalable Capital is likely one of your best options to invest in ETFs at no additional costs.</p>
<p class="question">Ready to build your portfolio with Scalable Capital?</p>
<button class="redirect external_link_button promo" value="scalable">Register Now</button>
<p><mark>If you are looking for more investment platforms with a more predictable return, check out the <a href="https://p2pempire.com/en/best-p2p-lending-platforms-europe">best P2P lending platforms</a> in our <a href="https://p2pempire.com/en/comparison">P2P comparison and calculate your potential return</a>.</mark></p>
<div class="alert-box">
<h3>Risk Disclaimer</h3>
<p>Investments in the stock market are subject to risks.</p>
<p>The statements, comments and other content contained in this article, even if individual issuers or financial instruments are mentioned, are not to be construed as investment advice and do not constitute, directly or indirectly, a recommendation or solicitation to buy, hold or sell any financial instrument or any advice relating thereto.</p>
<p>Some mentioned trading platforms offer various financial products.</p>
<p>CFDs are complex instruments and come with a high risk of losing money rapidly due to leverage. 81% of retail investor accounts lose money when trading CFDs with this provider. You should consider whether you understand how CFDs work and whether you can afford to take the high risk of losing your money.</p>
</div>
</article>

Scalable Capital Review 2025

Honest Scalable Capital Review 2025 ⏩ Is Scalable Capital Safe? ☑️ Overview of fees ✅ Are €0 trading fees worth it? ⭐ Scalable broker review!

Scalable Capital Review 2025 | Is Scalable Capital Worth It?

Is Scalable Capital worth it?

<article>
<h2>Scalable Capital Vs. Trade Republic In 2023</h2>
<p>Scalable Capital and Trade Republic are two popular German-based online brokers that offer retail investors the option to invest in stocks and ETFs commission-free.</p>
<p>Both online brokers have a user-friendly mobile trading app that allows you to trade and monitor the performance of your portfolio.</p>
<p>In this Scalable Capital vs.Trade Republic comparison, we will compare the platforms' features and fees so you know exactly which platform fits your investment needs.</p>
<h3>Availability</h3>
<p>Before we jump into the comparison, it's essential to review the availability of both trading apps in various jurisdictions. While both German brokers offer their service in multiple markets, it's possible that they don't operate in your area yet.</p>
<p>Here is an overview of markets where Scalable Capital and Trade Republic offer services.</p>
<div class="checklist-box">
<ul>
<li>Scalable Capital is available in the following countries: France, Germany, Austria, Spain, Italy, and the Netherlands.</li>
<li>Trade Republic is available in the following countries: Germany, Austria, Spain, France, Italy, the Netherlands, Belgium, Estonia, Finland, Greece, Ireland, Latvia, Lithuania, Luxembourg, Portugal, Slovakia, and Slovenia.</li>
</ul>
</div>
<p class="question">Ready to start investing with Scalable Capital?</p>
<button class="redirect external_link_button promo" value="scalable">Create A Savings Plan</button>
<h2>Scalable Capital Vs. Trade Republic Fees</h2>
<p>The fee is a variable that every retail investor evaluates before investing in stocks, as they can impact the potential return.</p>
<p>Let's look at the costs that Trade Republic and Scalable Capital charge for their services.</p>
<table class="comparison3">
<tbody>
<tr>
<th>Service</th>
<th>Scalable Capital</th>
<th>Trade Republic</th>
</tr>
<tr>
<td>Trading account fees</td>
<td>&euro;0 - 4.99&euro; / month</td>
<td>&euro;0</td>
</tr>
<tr>
<td>Savings plan fees</td>
<td>&euro;0</td>
<td>&euro;0</td>
</tr>
<tr>
<td>Order fees per trade (gettex/LS)</td>
<td>&euro;0 - &euro;0.99</td>
<td>&euro;1</td>
</tr>
<tr>
<td>Order fees per trade (Xetra)</td>
<td>0.69% - 0.99%</td>
<td>N/A</td>
</tr>
<tr>
<td>Trading venue fees (Xetra)</td>
<td>0.01% or min. &euro;1.50</td>
<td>N/A</td>
</tr>
<tr>
<td>Custody fees</td>
<td>&euro;0</td>
<td>&euro;0</td>
</tr>
<tr>
<td>Crypto spread surcharge</td>
<td>0.69% - 0.99%</td>
<td>1%</td>
</tr>
</tbody>
</table>
<p>As you can see in the table above, Scalable Capital has a more complex fee structure, as the trading app offers a three-tier trading plan.</p>
<p>Investors who wish <strong>only to use the savings plan feature</strong> won't be paying any monthly cost on Scalable, but they will be charged higher fees for trading individual stocks on gettex or Xetra.</p>
<p><mark>ETFs from iShares, Xtrackers, and Invesco can be traded for free on Scalable Capital. </mark></p>
<p>Trade Republic, on the other hand, doesn't charge any monthly fees. You will only be requested to pay a third-party trading fee of &euro;1 per trade on the platform's Lang &amp; Schwarz (LS) exchange.</p>
<p>Trade Republic's pricing structure is straightforward, whereas Scalable Capital's pricing structure must be studied more as the cost varies depending on your activities and monthly plan.</p>
<p><mark>Continue reading to learn more about individual costs for trading stocks on Scalable Capital. </mark></p>
<p>Both companies charge additional fees for extraordinary services, such as registration for shareholder's meetings, custody account statements, or account transfer by letter. Those fees are one-off costs that won't impact your everyday trading experience.</p>
<h2>Scalable Capital Vs. Trade Republic Savings Plans</h2>
<p>Both trading apps, Scalable Capital and Trade Republic, are known for their vast and affordable savings plans.</p>
<table class="comparison3">
<tbody>
<tr>
<th>&nbsp;</th>
<th>Scalable Capital</th>
<th>Trade Republic</th>
</tr>
<tr>
<td>Savings amount</td>
<td>from &euro;1</td>
<td>from &euro;1</td>
</tr>
<tr>
<td>Savings intervals</td>
<td>monthly, bi-monthly, quarterly</td>
<td>weekly, bi-weekly, monthly, quarterly</td>
</tr>
</tbody>
</table>
<p>Scalable Capital offers 2,000 ETFs that are eligible for a savings plan, whereas Trade Republic offers 2,400 ETFs that can be used in a savings plan.</p>
<p>Both companies offer savings plans at &euro;0 order fees, meaning you can build up your portfolio without any costs from the brokers.</p>
<div class="tips-box">
<p>Remember that every ETF comes with an annual Total Expense Ratio, which depends on the type of ETF you invest in. Even though the brokers don't charge anything, you still will need to pay the TER.</p>
</div>
<p>Regarding the savings plan amount, Scalable Capital and Trade Republic allow you to invest just &euro;1 per execution. Trade Republic offers slightly more flexibility with the execution intervals as you can execute your plan weekly, whereas, on Scalable Capital, you can set up monthly savings intervals.</p>
<p>On Scalable Capital, you can invest in ETFs from Invesco, iShares, and Xtrackers, whereas Trade Republic offers a bigger variety of ETFs eligible for a savings plan. On Trade Republic, you can invest in ETFs from Lyxor, Amundi, Xtrackers, WisdomTree, and iShares.</p>
<p>While on both platforms, the majority of ETFs cover a variety of sectors, Trade Republic gives a better overview for those wishing to focus on a specific industry such as finance, energy, or IT.</p>
<div class="tips-box">
<h3>Inflation Adjustment</h3>
<p>On Scalable Capital, you can set up an "inflation adjustment," which will increase your savings plan amount by a predefined percentage point, that way, you can increase your savings plan rate according to the inflation rate you set.</p>
</div>
<h2>Investing in Stocks &amp; ETFs</h2>
<p>Both companies enable you to invest in stocks or ETFs outside the savings plan. You can even trade fractional shares, allowing you to customize your portfolio and control the diversification according to your preferences.</p>
<p>Scalable Capital offers 7,000 stocks, and Trade Republic offers 8,000 stocks.</p>
<p>Both companies use different exchanges. On Scalable, you can trade stocks listed on gettex or Xetra, whereas Trade Republic offers stocks listed only on the LS exchange.</p>
<p>On Trade Republic you will be charged a flat &euro;1 third-party fee per trade. On Scalable Capital, you will be charged a fee based on your subscription plan and the exchange where the stock is listed.</p>
<p>Here is the overview of trading fees you should consider depending on your subscription plan on Scalable Capital.</p>
<table class="comparison4">
<tbody>
<tr>
<th>&nbsp;</th>
<th>FREE Broker</th>
<th>PRIME Broker</th>
<th>PRIME+ Broker</th>
</tr>
<tr>
<td><strong>Monthly account fees</strong></td>
<td>&euro;0</td>
<td>&euro;2.99</td>
<td>&euro;4.99</td>
</tr>
<tr>
<td><strong>Order fees per trade min. &euro;250 (gettex)</strong></td>
<td>&euro;0.99</td>
<td>&euro;0</td>
<td>&euro;0</td>
</tr>
<tr>
<td><strong>Order fees per trade from &euro;0 (gettex)</strong></td>
<td>&euro;0.99</td>
<td>&euro;0.99</td>
<td>&euro;0.99</td>
</tr>
<tr>
<td><strong>Order fees per trade (Xetra)</strong></td>
<td>0.99%</td>
<td>0.69%</td>
<td>0.69%</td>
</tr>
</tbody>
</table>
<div class="alert-box">
<h3>Trading On Xetra</h3>
<p>Trading on Xetra is expensive. You will be charged a 0.01% or at least &euro;1.50 trading volume fee per trade regardless of which monthly plan you choose on Scalable Capital.</p>
</div>
<h3>Order Types</h3>
<p>In our comparison "Scalable Capital vs. Trade Republic", we must consider the available order types.</p>
<p>Both trading apps offer market and limit orders, but only Scalable Capital supports stop loss and stop limit options.</p>
<p>Those order types might be helpful if you are an active trader and want to automate your trading or protect yourself from losses.</p>
<h2>Trading Crypto</h2>
<p>Due to the global popularity of crypto, Scalable Capital and Trade Republic offer the option to buy and sell crypto via their trading apps. Here is a number of coins you can trade on both trading platforms.</p>
<div class="checklist-box">
<ul>
<li>13 cryptocurrencies on Scalable Capital</li>
<li>52 cryptocurrencies on Trade Republic</li>
</ul>
</div>
<p>When comparing the crypto trading feature on Scalable Capital vs. Trade Republic, you must understand that you are trading exchange-traded crypto products or ETPs on regulated exchanges.</p>
<p>ETPs are essentially a product that tracks the value of an underlying cryptocurrency. This type of investment can also be called exchange-traded-note (ETN) or exchange-traded-cryptocurrency (ETC).</p>
<p>Your coins are deposited with a regulated crypto custodian without the option to withdraw your crypto assets.</p>
<div class="alert-box">
<h3>Issuer Risk</h3>
<p>This type of product is the bearer bond of the issuer. You receive a claim to a payment by the issuer. If the issuer goes bankrupt, you can lose all your capital.</p>
</div>
<p>Both Scalable Capital and Trade Republic add a margin spread on your crypto purchases, often more than on some crypto exchanges.</p>
<p>Your "crypto" on Trade Republic is stored with Bitgo, a regulated custodian in Germany. Scalable Capital doesn't publically share the custodian with investors.</p>
<p>Trading crypto on Scalable Capital or Trade Republic is convenient for those with minimal crypto exposure and don't mind storing it on a centralized exchange and bearing the additional issuer risk.</p>
<p>Anyone more exposed to crypto should use a dedicated crypto exchange and store the crypto in a cold wallet such as Trezor. This type of custody gives you actual ownership of your coins and more flexibility.</p>
<p>Buying crypto on a dedicated crypto exchange is also often cheaper as the spreads aren't that high.</p>
<h2>Savings Accounts</h2>
<p>Most of your fees can be offset with the savings account both trading companies offer their clients.</p>
<table class="comparison3">
<tbody>
<tr>
<th>&nbsp;</th>
<th>Scalable Capital</th>
<th>Trade Republic</th>
</tr>
<tr>
<td>Interest</td>
<td>2.3%</td>
<td>2%</td>
</tr>
<tr>
<td>Max. Savings Amount</td>
<td>&euro;100,000</td>
<td>&euro;50,000</td>
</tr>
<tr>
<td>Interest Payout</td>
<td>monthly</td>
<td>monthly</td>
</tr>
<tr>
<td>Availability</td>
<td>PRIME+ users</td>
<td>All users</td>
</tr>
</tbody>
</table>
<p>As you can see in the table, you can earn interest on your uninvested funds.</p>
<p>Trade Republic offers a 2% interest rate on your available funds of up to &euro;50,000, if you choose to activate the savings account feature in the trading app.</p>
<p>Scalable Capital offers a 2.3% annual interest rate on up to &euro;100,000 of your uninvested funds if you are a PRIME+ member and pay &euro;4.99 monthly.</p>
<p><mark>The PRIME+ membership will pay for itself once you have &euro;2,600 of uninvested funds in your Scalable Capital account or if you make three monthly trades. </mark></p>
<p>The deposit protection scheme protects uninvested funds up to &euro;100,000 on both platforms, making the savings account feature attractive for many users, considering banks offer a significantly lower rate.</p>
<h2>Support</h2>
<p>When comparing Scalable Capital vs. Trade Republic, you should pay attention to the quality of support you receive on both platforms.</p>
<p>Regarding customer service, online brokers notoriously fall short in providing a satisfactory experience.</p>
<p>Whether you want to use the broker's savings plan or be more active and trade individual stocks, you might sometimes require assistance.</p>
<p>And when the time comes, you want to be able to talk to someone immediately.</p>
<p>In recent months, many users have criticized Trade Republic's customer support. The phone hotline was often shut off, and users received only generic email responses, which didn't solve their problem.</p>
<p>This type of behavior can create a lot of frustration, especially when it's connected to your money, which the trading app has under management.</p>
<p>Scalable Capital, on the other hand, offers somewhat better support than Trade Republic.</p>
<p>Remember that you get what you pay for. If you are expecting to pay nothing to someone who is managing your stock portfolio, you should also manage your expectations when it comes to customer support.</p>
<p><mark>If you demand a premium customer support experience, we suggest exploring <a href="https://p2pempire.com/en/best-p2p-lending-platforms-europe">P2P lending platforms</a> like <a href="https://p2pempire.com/en/review/peerberry">PeerBerry</a>, <a href="https://p2pempire.com/en/review/robocash">Robocash</a>, or <a href="https://p2pempire.com/en/review/esketit">Esketit</a>. </mark></p>
<h2>Scalable Capital Vs. Trade Republic Conclusion</h2>
<p>Both trading platforms offer a decent product. If you are looking for an online broker to enable you to invest commission-free into your savings plan, you can do that on Scalable Capital or Trade Republic.</p>
<p>If you are an active trader, Scalable offers stocks from two exchanges, whereas the offer on Trade Republic is limited to just one exchange.</p>
<p>When it comes to fees, Trade Republic is cheaper in most services. On the other hand, the support from Scalable Capital is more responsive.</p>
<p>If you are only starting out investing in stocks or ETFs, and costs are essential to you, Trade Republic might be a suitable option. If you are more serious about investing and you wish to have access to support, Scalable Capital might be a better fit.</p>
<p class="question">Ready to start investing with Scalable Capital?</p>
<button class="redirect external_link_button promo" value="scalable">Register Now</button>
<p><mark>Learn more about both platforms in our <a href="https://p2pempire.com/en/scalable-capital-review">Scalable Capital</a> review and the <a href="https://p2pempire.com/en/trade-republic-review">Trade Republic review</a>, where we cover details about further services offered by both trading apps.</mark></p>
<div class="alert-box">
<h3>Risk Disclaimer</h3>
<p>Investments in the stock market are subject to risks.</p>
<p>The statements, comments and other content contained in this article, even if individual issuers or financial instruments are mentioned, are not to be construed as investment advice and do not constitute, directly or indirectly, a recommendation or solicitation to buy, hold or sell any financial instrument or any advice relating thereto.</p>
</div>
</article>

Scalable Capital vs. Trade Republic

Scalable Capital vs. Trade Republic ⭐ Which trading app is better? ⏩ Comparison of Features & Fees ⏩ Which broker should you use?

Scalable Capital vs. Trade Republic | The Ultimate Comparison

Which trading app is better?

Revolut Review 2025

Revolut Review 2025 after five years ⏩ Is Revolut worth it? ☑️ Revolut fees ✅ Comparison of Revolut Plans ⭐ Is Revolut safe?

Revolut Review 2025 | Is Revolut Worth It?

Is Revolut worth it?

<article>
<h2>How To Use Revolut Abroad</h2>
<p>Revolut offers one of the best travel cards for payments abroad. If you are a frequent traveler who often pays in different currencies and spends time in airports, the Revolut travel card is worth considering.</p>
<p>In this guide, we will explain <strong>how to use Revolut abroad</strong>. The Revolut travel card lets you withdraw cash when traveling and pay for goods or services abroad. You can, however, also benefit from complimentary travel insurance or airport lounge passes.</p>
<p>In this article, we will explain the benefits and disadvantages of using Revolut abroad so you know how the Revolut travel card works.</p>
<div class="checklist-box">
<h3>Verified &amp; Tested In +20 Countries</h3>
<p>The team behind P2P Empire, has tested the Revolut travel card in more than 20 countries. This blog post includes practical tips on getting the most benefits from using Revolut abroad.</p>
</div>
<h2>Using Revolut Abroad - Pros &amp; Cons</h2>
<p>When traveling abroad, you must have a reliable travel card enabling you to withdraw cash or pay for your accommodation. Some banks aren't suitable for traveling abroad, so you should also consider the pros and cons of the Revolut travel card.</p>
<div class="pros">
<h3>Pros Of Using Revolut Abroad</h3>
<ul>
<li>The Revolut Travel Card from Mastercard is accepted globally in most ATMs and vendors.</li>
<li>Unlimited no-fee payments in any currencies</li>
<li>Best exchange rate for payments in foreign currencies</li>
<li>Unlimited virtual cards</li>
<li>No-Fee ATM withdrawals from &pound;200 / &pound;800 per month</li>
<li>Instant mobile notifications for transactions with your Revolut travel card</li>
<li>Secure mobile app with the ability to freeze lost or stolen travel cards</li>
<li>Travel insurance for Revolut Premium and Metal users</li>
<li>Travel card replacements in case of lost or stolen travel cards</li>
</ul>
</div>
<div class="cons">
<h3>Cons Of Using Revolut Abroad</h3>
<ul>
<li>Low limits on ATM withdrawals for Revolut Standard and Plus users</li>
<li>Limited travel insurance coverage</li>
</ul>
</div>
<p>As you can see, using Revolut abroad has many advantages, which you will certainly appreciate. Are you ready to order your Revolut travel card?</p>
<button class="redirect external_link_button promo" value="revolut">Order Your Travel Card</button>
<p><mark>Remember that Revolut will only work abroad when connected to the internet. Ensure to get a suitable data plan when traveling to benefit from Revolut's features fully. Compare the best international data plans on <a href="https://simpackers.com/">Simpackers.com</a>.</mark></p>
<h2>Revolut Travel Card</h2>
<p>When using Revolut abroad, you want to have <strong>at least one physical Revolut card</strong>.</p>
<p>While the support for contactless payments via Google Pay and Apple Pay is increasing, it's still unavailable in all countries. We recommend ordering a physical card so you can be <strong>confident that you can use it to withdraw money from ATMs or pay for services</strong>.</p>
<p>There are various Revolut travel cards to choose from. Let's explain every Revolut travel card option, so you can decide which one fits your needs.</p>
<p>Here is a quick overview of Revolut's plans. Continue reading our guide about using Revolut abroad to find out which Revolut travel card is the best match.</p>
<table class="comparison5">
<tbody>
<tr>
<th>Service</th>
<th>Standard</th>
<th>Plus</th>
<th>Premium</th>
<th>Metal</th>
</tr>
<tr>
<td>Price</td>
<td>No-Fee</td>
<td>&pound;2.99 or /month</td>
<td>&pound;6.99 / month</td>
<td>&pound;12.99 / month</td>
</tr>
<tr>
<td>No-Fee ATM withdrawals</td>
<td>&pound;200/m or 5x</td>
<td>&pound;200/m</td>
<td>&pound;400/m</td>
<td>&pound;800/m</td>
</tr>
<tr>
<td>Personalized cards</td>
<td>No</td>
<td>Yes</td>
<td>Yes</td>
<td>Yes</td>
</tr>
<tr>
<td>No-Fee card delivery</td>
<td>No</td>
<td>Yes</td>
<td>No-Fee express</td>
<td>No-Fee express</td>
</tr>
<tr>
<td>24/7 priority support</td>
<td>No</td>
<td>Yes</td>
<td>Yes</td>
<td>Yes</td>
</tr>
<tr>
<td>Cashback</td>
<td>No</td>
<td>No</td>
<td>No</td>
<td>Yes</td>
</tr>
<tr>
<td>Travel Insurance</td>
<td>No</td>
<td>No</td>
<td>Yes</td>
<td>Yes</td>
</tr>
</tbody>
</table>
<h2>Revolut Standard Travel Card</h2>
<p>If you are on a budget and looking for a no-fee Revolut Travel Card, the Revolut Standard plan is the best option.</p>
<p>You only need to pay &pound;4.99 to cover the shipping fees of your new Revolut travel card. The Revolut card itself is issued for all registered clients.</p>
<p>Keep in mind that the Revolut Standard plan doesn't offer express delivery and it can take up to 10 days to receive your Revolut travel card.</p>
<p><mark>If you are traveling abroad soon, you should perhaps consider the <a href="https://p2pempire.com/en/revolut-premium-review">Revolut Premium</a> or Metal plans that come with no-fee express delivery. </mark></p>
<p>Here are some of the features that the Revolut Standard plan offers.</p>
<table class="comparison2">
<tbody>
<tr>
<th>Feature</th>
<th>Standard Plan</th>
</tr>
<tr>
<td>Monthly Price</td>
<td>&pound;0</td>
</tr>
<tr>
<td>No-Fee ATM withdrawals</td>
<td>&pound;200/m or 5x</td>
</tr>
<tr>
<td>No-Fee payments abroad</td>
<td>Yes</td>
</tr>
<tr>
<td>No-Fee card delivery</td>
<td>No</td>
</tr>
<tr>
<td>24/7 Priority Support</td>
<td>No</td>
</tr>
<tr>
<td>Travel Insurance</td>
<td>No</td>
</tr>
<tr>
<td>Cashback</td>
<td>No</td>
</tr>
</tbody>
</table>
<p>As you can see, there aren't many features that come with the Revolut Standard plan. If you want additional perks, you can easily upgrade your plan.</p>
<h2>Revolut Plus Travel Card</h2>
<p>Revolut Plus is a newly launched plan that lets you personalize your Revolut travel card. If you are someone, who prefers to choose a unique design for your card, this plan is a good fit for you.</p>
<p>Additionally, Revolut will <strong>waive the shipping fee</strong>, and you will also get <strong>24/7 priority support</strong> via the Revolut app.</p>
<p>The Revolut Plus plan costs &pound;2.99 per month. If you decide to pay the annual plan upfront, you will get a <strong>discount of around 20%</strong>.</p>
<p>Here are the features of the Revolut Plus travel card.</p>
<table class="comparison2">
<tbody>
<tr>
<th>Feature</th>
<th>Plus Plan</th>
</tr>
<tr>
<td>Monthly Price</td>
<td>&pound;2.99</td>
</tr>
<tr>
<td>No-Fee ATM withdrawals</td>
<td>&pound;200/m</td>
</tr>
<tr>
<td>No-Fee payments abroad</td>
<td>Yes</td>
</tr>
<tr>
<td>No-Fee card delivery</td>
<td>Yes</td>
</tr>
<tr>
<td>24/7 Priority Support</td>
<td>Yes</td>
</tr>
<tr>
<td>Travel Insurance</td>
<td>No</td>
</tr>
<tr>
<td>Cashback</td>
<td>No</td>
</tr>
</tbody>
</table>
<p>The most valuable feature of the Revolut Plus travel card, which you will use when traveling abroad, is the 24/7 priority support.</p>
<p>When using banking products abroad, you want to be able to reach someone if you encounter an issue. You can be sure that sooner or later, you will find yourself in a situation where a transaction is blocked or your Revolut travel card gets lost or stolen. In that scenario, <strong>Revolut's 24/7 priority support is worth every penny</strong>.</p>
<h2>Revolut Premium Travel Card</h2>
<p>When using Revolut abroad, you certainly want to have the option to withdraw money to pay for travel expenses. The Revolut travel card with the Premium plan allows you to <strong>withdraw </strong><strong>&pound;400 per month </strong>(or equivalent).</p>
<p>In many developing countries, it's not as easy to pay for goods and services with your card, as you might be used to in your home country. If you are traveling to South America, Asia or Africa, you will almost certainly have to withdraw cash at some point during your trip.</p>
<p>The Revolut Premium Travel Card costs &pound;6.99 per month and you will receive it within <strong>three business days with Revolut's no-fee express delivery</strong>.</p>
<p>Here are all the features of the Revolut Premium plan.</p>
<table class="comparison2">
<tbody>
<tr>
<th>Feature</th>
<th>Premium Plan</th>
</tr>
<tr>
<td>Monthly Price</td>
<td>&pound;6.99</td>
</tr>
<tr>
<td>No-fee ATM withdrawals</td>
<td>&pound;400/m</td>
</tr>
<tr>
<td>No-fee payments abroad</td>
<td>Yes</td>
</tr>
<tr>
<td>No-fee card delivery</td>
<td>Yes</td>
</tr>
<tr>
<td>24/7 Priority Support</td>
<td>Yes</td>
</tr>
<tr>
<td>Travel Insurance</td>
<td>Yes</td>
</tr>
<tr>
<td>Cashback</td>
<td>No</td>
</tr>
</tbody>
</table>
<p>Continue reading to determine which Revolut plan offers the best travel insurance coverage.</p>
<h2>Revolut Metal Card (Editor's Pick)</h2>
<p>The <a href="https://p2pempire.com/en/revolut-metal-review">Revolut Metal Card</a> is the best plan for expats, digital nomads, or people who frequently travel abroad. The Revolut Metal plan enables you to withdraw up to &pound;800 (or equivalent) per month from any ATM worldwide.</p>
<p>In addition to <strong>no-fee express delivery</strong>, and <strong>fancy-looking metal travel card</strong> you will also be able to receive <strong>cashback </strong>on your purchases abroad.</p>
<p><a href="https://p2pempire.com/en/revolut-free-money">Revolut is literally giving away money</a>.</p>
<p>If you are <strong>spending your money in Europe, Revolut will pay you 0.1% cashback</strong>; if you are spending <strong>outside Europe, you will get a 1% cashback on all payments up to </strong><strong>&pound;12.99 per month</strong>, covers the monthly price of the Revolut Metal plan.</p>
<p>If you decide to purchase the Revolut Metal annual plan, you will get a 20% discount. By using Revolut abroad (Metal), you can essentially pay off any fees with cashback, making it<strong> the best travel card for frequent travelers</strong>.</p>
<p>Here are the features you get when using Revolut Metal abroad.</p>
<table class="comparison2">
<tbody>
<tr>
<th>Feature</th>
<th>Metal Plan</th>
</tr>
<tr>
<td>Monthly Price</td>
<td>&pound;12.99</td>
</tr>
<tr>
<td>No-Fee ATM withdrawals</td>
<td>&pound;800/m</td>
</tr>
<tr>
<td>No-Fee payments abroad</td>
<td>Yes</td>
</tr>
<tr>
<td>No-Fee card delivery</td>
<td>Yes</td>
</tr>
<tr>
<td>24/7 Priority Support</td>
<td>Yes</td>
</tr>
<tr>
<td>Travel Insurance</td>
<td>Yes</td>
</tr>
<tr>
<td>Cashback</td>
<td>Yes</td>
</tr>
</tbody>
</table>
<button class="redirect external_link_button promo" value="revolut">Get Your Metal Card</button>
<h2>Fees When Using Revolut Abroad</h2>
<p>When using Revolut abroad, you must pay your monthly fee, depending on your Revolut plan.</p>
<p><mark>If you have purchased the discounted annual plan, you won't be paying anything on a monthly basis.</mark></p>
<p>If you are using the no-fee Standard plan, you don't have to pay any recurring fees, but the <strong>no-fee ATM withdrawal limits are limited</strong>, and you also don't get all the other travel perks offered by Premium and Metal plans.</p>
<p>While payments worldwide are at np extra cost, you must pay a ATM withdrawal fee if you reach the no-fee monthly ATM withdrawal limit offered by your Revolut plan.</p>
<p>In this table, you can review the fees that Revolut charges if you wish to withdraw more than what's offered in your Revolut plan.</p>
<table class="comparison5">
<tbody>
<tr>
<th>Revolut Fees</th>
<th>Standard</th>
<th>Plus</th>
<th>Premium</th>
<th>Metal</th>
</tr>
<tr>
<td>ATM withdrawal above the limit</td>
<td>2% (min. &pound;1)</td>
<td>2% (min. &pound;1)</td>
<td>2%</td>
<td>2%</td>
</tr>
</tbody>
</table>
<p>That's the only fee you must pay when using Revolut abroad. In certain situations, however, you might lose your Revolut travel card, which can cause further fees.</p>
<h2>Revolut Replacement Card</h2>
<p>When using Revolut abroad, you may, at some point, lose your card, or it get's stolen. The first step is to<strong> freeze your Revolut travel card</strong> in your Revolut app on your mobile phone.</p>
<div class="tips-box">
<ol>
<li>Log in to your Revolut app</li>
<li>Navigate to the "Cards" tab</li>
<li>Choose your physical card that is lost</li>
<li>Click on Freeze</li>
</ol>
</div>
<p>You can <strong>also unfreeze cards</strong> if you find your card later.</p>
<p>If you don't recover your lost card, it's time to request a replacement. There is nothing more frustrating than losing access to your money while being in a foreign country.</p>
<p>Getting a card replaced can be pretty frustrating with some banks. Certain banks don't allow you to request a new card online, others send your replacement card to your home address which is pretty useless if you need the card abroad.</p>
<p>Revolut is one of the best banks we reviewed, which <strong>sent a replacement card to us while we were still abroad</strong>.</p>
<p>To do so, you need an address, and Revolut can ship you the replacement card in just a few days. You can use the address of your accommodation and Revolut in many countries; you will request express delivery, which is priceless when using Revolut abroad.</p>
<p>You can order a Revolut replacement card directly from your Revolut app. The fees to get your card replaced depend on your Revolut plan.</p>
<table class="comparison5">
<tbody>
<tr>
<th>Revolut Fees</th>
<th>Standard</th>
<th>Plus</th>
<th>Premium</th>
<th>Metal</th>
</tr>
<tr>
<td>Card replacement</td>
<td>&pound;5 + delivery fee</td>
<td>&pound;5 + delivery fee</td>
<td>&pound;5 + delivery fee</td>
<td>&pound;35 + delivery fee</td>
</tr>
</tbody>
</table>
<p><mark>When traveling abroad, we always recommend having at least two physical cards from various banks, kept at two separate places so if one gets lost, you can still access your money. Learn more about an alternative travel card in our <a href="https://p2pempire.com/en/n26-review">N26 review</a>.</mark></p>
<h2>Revolut Travel Insurance Abroad</h2>
<p>Revolut offers basic travel insurance for Premium and Metal plans. The travel insurance coverage for Metal plan users is somewhat higher as shown in the following table.</p>
<table class="comparison5">
<tbody>
<tr>
<th>Insurance &amp; Travel</th>
<th>Standard</th>
<th>Plus</th>
<th>Premium</th>
<th>Metal</th>
</tr>
<tr>
<td>No-Fee currency exchange during weekdays</td>
<td>&pound;1,000/limit</td>
<td>&pound;1,000/limit</td>
<td>Unlimited</td>
<td>Unlimited</td>
</tr>
<tr>
<td>Overseas medical insurance</td>
<td>No</td>
<td>No</td>
<td>&pound;10M/y limit</td>
<td>&pound;10M/y limit</td>
</tr>
<tr>
<td>Car hire excess</td>
<td>No</td>
<td>No</td>
<td>No</td>
<td>Yes</td>
</tr>
<tr>
<td>Personal liability insurance</td>
<td>No</td>
<td>No</td>
<td>No</td>
<td>&pound;1 M/y limit</td>
</tr>
<tr>
<td>Flight insurance</td>
<td>No</td>
<td>No</td>
<td>&pound;5,000/y limit</td>
<td>&pound;5,000/y limit</td>
</tr>
<tr>
<td>Baggage loss, damage or delay</td>
<td>No</td>
<td>No</td>
<td>&pound;1,000/y limit</td>
<td>&pound;1,000/y limit</td>
</tr>
<tr>
<td>Winter sport cover</td>
<td>No</td>
<td>No</td>
<td>&pound;3,000/y limit</td>
<td>&pound;3,000/y limit</td>
</tr>
<tr>
<td>No-Fee lounge access with SmartDelay</td>
<td>No</td>
<td>No</td>
<td>You +1 friend</td>
<td>You +3 friends</td>
</tr>
<tr>
<td>Discounted airport lounge access</td>
<td>No</td>
<td>No</td>
<td>Yes</td>
<td>Yes</td>
</tr>
<tr>
<td>Theft and accident coverage</td>
<td>No</td>
<td>&pound;1,000/y limit</td>
<td>&pound;2,500/y limit</td>
<td>&pound;10,000/y limit</td>
</tr>
<tr>
<td>Ticket and event coverege</td>
<td>No</td>
<td>&pound;1,000/y limit</td>
<td>&pound;1,000/y limit</td>
<td>&pound;1,000/y limit</td>
</tr>
<tr>
<td>Refund protection</td>
<td>No</td>
<td>&pound;600/y limit</td>
<td>&pound;600/y limit</td>
<td>&pound;600/y limit</td>
</tr>
<tr>
<td>Purchase protection</td>
<td>No</td>
<td>&pound;1,000/y limit</td>
<td>&pound;2,500/y limit</td>
<td>&pound;10,000/y limit</td>
</tr>
</tbody>
</table>
<p>Remember that while the Revolut travel insurance abroad is an excellent option for "emergencies", it comes with certain limitations.</p>
<p>If you travel for <strong>more than 90 days</strong> and something happens to you, Revolut's travel insurance <strong>won't cover you</strong>.</p>
<p>If you are doing a gap year, relocating for a more extended period, or just moving abroad permanently, Revolut's medical insurance is pretty worthless, and you need to get dedicated travel insurance with a third party like Safetywing.</p>
<h3>Lounge Access &amp; Airport Travel Perks</h3>
<p>Revolut's travel insurance and SmartDelay feature are for travelers who spend a lot of time in the airport.</p>
<p>Premium and Metal users can get discounted access to Airport Lounges and their baggage is insured for up to &pound;1,000 / year if lost, damaged, or delayed.</p>
<p>Additionally, there is also flight insurance of up to &pound;5,000, which is great if your flight gets canceled and you need to extend your stay or look for alternative transportation.</p>
<p>With SmartDelay, you get a no-fee lounge pass for if your flight is delayed for more than one hour.</p>
<p><mark>To activate this feature, you must register your flight in the Revolut app at least two hours before departure. </mark></p>
<h2>Using Revolut Abroad - Is It Safe?</h2>
<p>Using Revolut abroad is safe if you use common sense while being abroad.</p>
<p>If you use your Revolut travel card to withdraw cash from trusted banks or pay for services with trusted vendors, not much could go wrong.</p>
<p>Revolut's travel cards are accepted worldwide; you can use virtual and physical cards simultaneously to pay for services and goods hassle-free.</p>
<p>You can set up notifications on your mobile phone to get a quick overview of transactions, which is very useful.</p>
<p>The notification will show you the paid amount in foreign and local currency. That way, you don't need to calculate the exchange rate between currencies when traveling abroad and paying with the Revolut travel card.</p>
<p><mark>Find out how Revolut compares to Wise in our ultimate comparison <a href="https://p2pempire.com/en/wise-vs-revolut">Wise vs Revolut</a>.</mark></p>
<p>The Revolut app allows you to locate trusted ATMs nearby and set up spending limits or enable and disable online transactions, swipe and contactless payments, or ATM withdrawals for any physical card.</p>
<p>Revolut travel card is a great companion when traveling abroad. If you are looking for a reliable bank with valuable features and benefits abroad, Revolut is undoubtedly an excellent fit.</p>
<p><mark>While we <strong>recommend using the Revolut Metal annual plan</strong>, you can also test Revolut Premium for the first three months and cancel later should you not be happy with the services.</mark></p>
<p class="question">Order your Revolut travel card before the promotion ends.</p>
<button class="redirect external_link_button promo" value="revolut">Get Your Your Card</button><center>
<p>Or explore our in-depth <a href="https://p2pempire.com/en/revolut-review">Revolut Review</a>.</p>
</center></article>

Using Revolut Abroad

Learn how to use Revolut abroad in 2025 ⏩ Revolut travel card review ☑️ Revolut card replacement abroad ✅ Fees abroad ⭐ Metal Travel Card

Using Revolut Abroad | The Ultimate Guide for 2025

What you need to know about the Revolut travel card when using Revolut abroad

<article>
<h2>Wise vs Revolut - How is Wise different from Revolut?</h2>
<p>Are you wondering which bank account is more suitable for you? In this comparison between Wise vs Revolut, you will find the differences between both companies: which offers better exchange rates and which is more expensive.</p>
<div class="checklist-box">
<h3>Key Takeaways</h3>
<ul>
<li>Wise has a lower fee, making it cheaper for international transfers</li>
<li>Both Wise and Revolut offer multi-currency accounts</li>
<li>Revolut offers a better banking experience and premium plans</li>
<li>Revolut offers budgeting and money management tools</li>
</ul>
</div>
<h2>Wise vs Revolut: Comparison</h2>
<p>When comparing both bank accounts from Wise and Revolut, you should be aware of the fees and services that you get. Every account has pros and cons, and it's up to you to decide which features are more important.</p>
<p>Since Wise doesn't have a paid plan, we will compare the no-fee plans from both Wise and Revolut.</p>
<table class="comparison3">
<tbody>
<tr>
<th>Service</th>
<th>Wise</th>
<th>Revolut</th>
</tr>
<tr>
<td><strong>Price</strong></td>
<td>Free</td>
<td>No-Fee</td>
</tr>
<tr>
<td><strong>No-Fee ATM withdrawals</strong></td>
<td>up to &pound;200/month</td>
<td>up to &pound;200/month or 5x</td>
</tr>
<tr>
<td><strong>ATM withdrawal fee</strong></td>
<td>1.75% on additional amounts</td>
<td>2% (min. &pound;1) on additional amounts</td>
</tr>
<tr>
<td><strong>Card payments worldwide</strong></td>
<td>Free</td>
<td>No-Fee</td>
</tr>
<tr>
<td><strong>Card shipping fee</strong></td>
<td>&pound;8</td>
<td>&pound;4.99</td>
</tr>
<tr>
<td><strong>Multi-currency accounts</strong></td>
<td>Yes</td>
<td>Yes</td>
</tr>
<tr>
<td>&nbsp;</td>
<td><button class="redirect external_link_button promo" value="wise">Sign Up</button></td>
<td><button class="redirect external_link_button promo" value="revolut">Sign Up</button></td>
</tr>
</tbody>
</table>
<p>As you can see, for everyday users, Revolut's fee-free Standard plan is slightly cheaper, with lower ATM fees if you withdraw more than &pound;200 per month (or equivalent in other currencies).</p>
<p>Whether Revolut or Wise is better depends on your personal situation. If you are looking to use a travel card abroad, Revolut is a better fit. If you are, however, looking to send money abroad, Wise can be cheaper.</p>
<p><mark>Find out more about Wise in our dedicated <a href="https://p2pempire.com/en/wise-card">Wise card review</a>.</mark></p>
<p>Continue reading our comparison between Revolut vs Wise to learn more about international transfers and exchange rates.</p>
<h2>Wise vs Revolut: International Transfer</h2>
<p>Both companies Revolut and Wise enable you to make international transfers.</p>
<p>Revolut and Wise (Transferwise) allow you to send money abroad from your mobile device or via their native web application.</p>
<p><em>After extensively testing both Revolut and Wise, we feel the process of sending money abroad is more intuitive with Wise. </em></p>
<p>While the usability of Wise vs Revolut is more subjective, the <strong>exchange rates and international transfer fees</strong> should be objective criterium to pay attention to.</p>
<p><strong>Sending money in Europe via SEPA is free</strong> for both Wise and Revolut. When you decide to <strong>use international transfers, you must consider additional fees and the exchange rate.</strong></p>
<img class="lazy" src="https://p2pgallery.s3.eu-central-1.amazonaws.com/EN/wise-vs-revolut-international-transfer.webp" border="0" alt="wise vs revolut international transfer" width="auto" height="auto" loading="lazy" />
<p>The <strong>exchange rate and international money transfer fees always depend on the following variables</strong>:</p>
<div class="checklist-box">
<ul>
<li>currency pair</li>
<li>weekdays vs. weekends</li>
<li>transfer amount</li>
<li>transfer type (Wise offers low-cost and fast transfers)</li>
<li>your plan (discounted transfer fees for <a href="https://p2pempire.com/en/revolut-premium-review">Revolut Premium</a> &amp; Metal)</li>
</ul>
</div>
<p>As you can see in the example above, we have compared the international money transfer from GBP to EUR at <strong>the exact time during a working day</strong>.</p>
<p>The <strong>exchange rate on Wise was more favorable, but the fees were higher than on Revolut</strong>, making Revolut the better option for this international transfer.</p>
<p>If you are about to make an international transfer, <strong>we always recommend using the calculators offered by Wise and Revolut to see which option is cheaper </strong>based on your currency pair, transfer type, amount, and your plan if you are a Revolut user.</p>
<p class="question">Are you ready to save fees with Revolut's international transfers?</p>
<button class="redirect external_link_button promo" value="revolut">Get Started</button>
<h2>Wise vs Revolut: Exchange Rates</h2>
<p>In most cases, <strong>Wise offers better exchange rates than Revolut</strong>. However, lower international transfer limits and higher Wise transfer fees make their service less attractive.</p>
<p>If you want <strong>to exchange your money between two currency pairs and keep your funds stored in your multi-currency accounts</strong> to spend them later, Revolut might also be a better choice for you.</p>
<img class="lazy" src="https://p2pgallery.s3.eu-central-1.amazonaws.com/EN/wise-vs-revolut-exchange-rate.webp" border="0" alt="wise vs revolut exchange rate" width="auto" height="auto" loading="lazy" />
<p>If you plan <a href="https://p2pempire.com/en/using-revolut-abroad">to use Revolut abroad</a>, exchanging your funds for foreign currency is a good idea when the exchange rate is favorable. That way, you can avoid currency fluctuations and save some money while traveling.</p>
<h2>Wise vs Revolut: ATM fees</h2>
<p>Both Wise and Revolut offer up to &pound;200 no-fee ATM withdrawals worldwide. For any amount above this withdrawal limit, you will pay 1.75% to Wise and 2% (or min. &pound;1) to Revolut.</p>
<p>If you are traveling abroad and would like to save money on ATM withdrawals, we recommend using the Revolut Metal card, which allows you to withdraw up to &pound;800 per month without any hidden fees. Read our <a href="https://p2pempire.com/en/revolut-metal-review">Revolut Metal review</a> to find out whether this plan is suited for you.</p>
<h2>Wise vs Revolut: Cards</h2>
<p>Revolut and Wise offer virtual and physical cards. The shipping fee for the Wise card is &pound;8, and Revolut will charge you &pound;4.99 to ship your no-fee Revolut card to your home.</p>
<img class="lazy" src="https://p2pgallery.s3.eu-central-1.amazonaws.com/EN/wise-vs-revolut-card.webp" border="0" alt="wise vs revolut card" width="auto" height="auto" loading="lazy" />
<p>The Wise card comes in green, whereas Revolut offers a gradient magenta card. Both cards are made from plastic. Revolut Metal plan members can request to receive a card from stainless steel.</p>
<h2>Revolut vs Wise - Which is better?</h2>
<p>While Wise used to offer better conditions in the past, in 2023, Revolut is undoubtedly leading the race if you are looking for a Wise alternative. Money exchange and international transfers are cheaper with Revolut, and the bank offers a much better service to its clients.</p>
<p class="question">Are you ready to sign up with Revolut?</p>
<button class="redirect external_link_button promo" value="revolut">Open Your Account</button><center>
<p>Or read our in-depth <a href="https://p2pempire.com/en/revolut-review">Revolut review</a>.</p>
</center></article>

Wise vs Revolut | The Ultimate Comparison

Wise vs Revolut Comparison ⏩ International transfers ☑️ ATM fees ✅ Exchange rates ⭐ Which is better? Revolut or Wise?

Wise vs Revolut | How is Wise different from Revolut?

Which is better - Revolut or Wise?

<article>
<h2>Revolut Metal Review - Is The Revolut Metal Card Worth It?</h2>
<p>With the Revolut Metal plan, you can benefit from complimentary travel insurance, a fancy metal card, commission-free trading, discounts for international transfers, and higher no-fee ATM withdrawal limits. You can access all those Revolut Metal benefits for only &pound;12.99 per month or buy the annual plan at a 20% discount.</p>
<p><mark>If you reside in the U.S. we suggest reading our <a href="https://p2pempire.com/en/revolut-metal-review-usa">Revolut Metal Review USA</a>, which covers the terms as well as the pros and cons for U.S. clients.</mark></p>
<p>In this Revolut Metal review, we will dive deeper into the terms and conditions so you can determine whether the Revolut Metal card is worth the money.</p>
<table class="comparison2">
<tbody>
<tr>
<th>Feature</th>
<th>Metal Plan</th>
</tr>
<tr>
<td>🏷️ Monthly Price</td>
<td>&pound;12.99</td>
</tr>
<tr>
<td>🏧 No-Fee ATM withdrawals</td>
<td>&pound;800/m</td>
</tr>
<tr>
<td>🌐 No-Fee payments abroad</td>
<td>Yes</td>
</tr>
<tr>
<td>💳 No-Fee card delivery</td>
<td>Yes</td>
</tr>
<tr>
<td>💬 24/7 Priority Support</td>
<td>Yes</td>
</tr>
<tr>
<td>✈️ Travel Insurance</td>
<td>Yes</td>
</tr>
<tr>
<td>🎁 Cashback</td>
<td>Yes</td>
</tr>
</tbody>
</table>
<h2>Revolut Metal Benefits &amp; Disadvantages</h2>
<p>Revolut Metal has <strong>many benefits that might be of great value to you</strong>. There are, however, also a few disadvantages that you might encounter when using the <a href="https://p2pempire.com/en/revolut-metal-review">Revolut Metal card</a>.</p>
<div class="pros">
<h3>Revolut Metal Benefits</h3>
<ul>
<li>Up to &pound;800 no-fee ATM withdrawals worldwide / month</li>
<li>No-Fee express metal card delivery</li>
<li>No currency exchange fees for amounts above &pound;1,000 / month</li>
<li>0.1% cashback in the EU, 1% cashback outside of the EU</li>
<li>40% discount on international transfers</li>
<li>Travel Insurance</li>
<li>Access to discounted lounge passes</li>
<li>Priority 24/7 chat support via Revolut App</li>
<li>Lower trading fees, including 10 commission-free trades every month</li>
<li>Up to 2.76% interest</li>
</ul>
</div>
<div class="cons">
<h3>Revolut Metal Disadvantages</h3>
<ul>
<li>2% ATM withdrawal fee for monthly withdrawals of more than &pound;800</li>
<li>&pound;35 card issuance fee and delivery fee if you lose your Revolut card abroad</li>
<li>Only available with a paid plan</li>
</ul>
</div>
<p>Remember that Revolut Metal comes with all the perks offered by the no-fee and inferior paid plans. You can <strong>pay with your debit card worldwide, exchange money at the best rates, and use multi-currency accounts, virtual cards, and instant SEPA transfers</strong>.</p>
<p>Revolut Metal elevates those features by giving you additional benefits that help you save money, especially when <a href="https://p2pempire.com/en/using-revolut-abroad">using Revolut abroad</a>.</p>
<p>We have been using Revolut Metal for the past three years, so this review is enhanced with our own experience with Revolut and the Metal card.</p>
<button class="redirect external_link_button promo" value="revolut">Get Your Revolut Card</button>
<h2>Revolut Metal Fees</h2>
<p>Revolut Metal card costs &pound;12.99 per month. By subscribing to the Revolut Metal annual plan, you will save 20% on the monthly price. While Revolut Metal offers many services free of charge, there are a few fees that you should be aware of.</p>
<table class="comparison2">
<tbody>
<tr>
<th>Feature</th>
<th>Metal Plan</th>
</tr>
<tr>
<td>Monthly Price</td>
<td>&pound;12.99</td>
</tr>
<tr>
<td>Card delivery</td>
<td>No-Fee</td>
</tr>
<tr>
<td>Replacement card</td>
<td>&pound;35 / &euro;39.99 + delivery fee</td>
</tr>
<tr>
<td>ATM withdrawals</td>
<td>2% above &pound;800/month</td>
</tr>
<tr>
<td>Crypto exchange fee</td>
<td>1.49%</td>
</tr>
<tr>
<td>Commodity trading fee</td>
<td>0.5%</td>
</tr>
<tr>
<td>FX fees</td>
<td>No-Fee from Monday to Friday</td>
</tr>
</tbody>
</table>
<p>Note that Revolut offers an attractive cashback bonus, which will help you to pay back your subscription fee, especially if you live abroad or use Revolut during your travels.</p>
<h2>Revolut Metal Cashback</h2>
<p>The Revolut Metal plan offers a premium metal card and 0.1% cashback on all transactions within Europe and 1% cashback outside of Europe.</p>
<p><img class="lazy" src="https://p2pgallery.s3.eu-central-1.amazonaws.com/EN/revolut-metal-cashback.webp" border="0" alt="revolut metal cashback" width="auto" height="auto" loading="lazy" /></p>
<p>If you decide to use Revolut abroad, chances are that you will be able to pay off your the Revolut Metal subscription fee with your cashback bonus.</p>
<p>The monthly cashback amount is limited to the monthly subscription fee. If you decide to purchase the annual plan, you cannot only pay back the subscription fee by using Revolut outside of Europe but also earn some additional profit from your Revolut cashback bonus, since you can purchase the annual plan and save 20%.</p>
<h2>Revolut Metal Crypto</h2>
<p>If you are interested in buying crypto as a Revolut Metal plan user, you will be charged a 1.49% crypto exchange fee. Revolut Standard and Plus users must pay 1.99% or a minimum of &pound;0.99 per trade.</p>
<p>By using Revolut Metal you will save on trading and crypto exchange fees.</p>
<p>Revolut offers the option to purchase and hold 98 cryptocurrencies and stake 4 coins, Polkadot, Tezos, Ether, and Cardano. By buying and staking crypto, you can earn up to 12.43% with Revolut. The rewards are paid weekly and can be restaked automatically.</p>
<p><img class="lazy" src="https://p2pgallery.s3.eu-central-1.amazonaws.com/EN/revolut-crypto-staking.webp" border="0" alt="revolut crypto staking" width="auto" height="auto" loading="lazy" /></p>
<p>If you decide to unstake your crypto, your assets will remain locked for 29 days before you can sell them.</p>
<p>Your crypto tokens on Revolut will be deployed in proof-of-stake blockchains to generate rewards.</p>
<p>While you shouldn't expect complex crypto trading features, Revolut offers a beginner-friendly crypto exchange that can be used, especially if you are starting out with crypto and don't want to investigate crypto exchanges and deal with crypto wallets.</p>
<p><img class="lazy" src="https://p2pgallery.s3.eu-central-1.amazonaws.com/EN/revolut-crypto.webp" border="0" alt="revolut crypto" width="auto" height="auto" loading="lazy" /></p>
<p>With Revolut's crypto feature, you can buy and sell crypto anytime via the Revolut app.</p>
<h2>Revolut Metal Card</h2>
<p>The Revolut Metal card is one of the best-looking metal debit cards you can get. The 18-gram card, made from stainless steel, will make you stand out when paying in shops.</p>
<p><img class="lazy" src="https://p2pgallery.s3.eu-central-1.amazonaws.com/EN/revolut-metal-card.webp" border="0" alt="revolut metal card" width="auto" height="auto" loading="lazy" /></p>
<p>The Revolut Metal card lets you pay for goods and services worldwide and withdraw cash from any ATM globally. As mentioned, you can withdraw up to &pound;800 (or equivalent) monthly without paying any fees.</p>
<p>You must pay a 2% withdrawal fee to withdraw more cash. For users who live in a cash-friendly country, we recommend using the N26 Premium or Metal card, as you can make no-fee ATM withdrawals without any limits.</p>
<h2>Revolut Metal Card Design</h2>
<p>The Revolut Metal card comes in five unique designs that you can choose from.</p>
<div class="checklist-box">
<ul>
<li>Metal - Black</li>
<li>Metal - Gold</li>
<li>Metal - Space Gray</li>
<li>Metal - Rose Gold</li>
<li>Metal - Lavender</li>
</ul>
</div>
<p>If you are a Revolut Metal user, you can customize your Metal card during ordering.</p>
<p><img class="lazy" src="https://p2pgallery.s3.eu-central-1.amazonaws.com/EN/revolut-metal-card-design.webp" border="0" alt="revolut metal card design" width="auto" height="auto" loading="lazy" /></p>
<p>We have been using the Revolut Metal card for quite some time, so we recommend picking a lighter color, such as Gold, Space Gray, or Lavender.</p>
<p>The finish on the stainless steel card tends to chip away after a few months, meaning if you order the Revolut black card, it might lose the "premium look" after a while as the black finish chips away.</p>
<p><mark>Is the Revolut Metal card too expensive for you? Check out our <a href="https://p2pempire.com/en/revolut-premium-review">Revolut Premium review</a> to find out how you can get most of the benefits from Revolut Metal for the first three months.</mark></p>
<h2>How To Apply For A Revolut Metal Card?</h2>
<p>Applying for a Revolut Metal card is simple. First, you must register your phone number and download the revolut app.</p>
<button class="redirect external_link_button promo" value="revolut">Get Started</button>
<p>After you have downloaded the Revolut app, you have to follow these steps:</p>
<div class="tips-box">
<ol>
<li>Sign up for a Revolut account</li>
<li>Pass the KYC process</li>
<li>Top up your account</li>
<li>Go to "Hub" and click on your plan on the upper right corner</li>
<li>Click on the name of the plan in the left corner</li>
<li>Review the plan and change it to Metal (if you haven't done it yet)</li>
<li>Go to "Cards" in your Revolut app</li>
<li>Choose a physical card</li>
<li>Order your Metal Card</li>
</ol>
</div>
<p>The first Revolut Metal card offers express shipping. You can expect to receive it at your address within three business days. If you lose your Revolut Metal card, you can order a new one, but it will cost you &pound;35 / &euro;39.99.</p>
<p>If you are interested in applying for the Revolut Metal card, we recommend getting the annual plan as you will save around 20% compared to paying a monthly subscription fee.</p>
<h2>Revolut Metal Card Insurance</h2>
<p>The Revolut Metal plan comes with additional features that can be useful for frequent travelers and users keen to explore some of the investment features Revolut provides.</p>
<p>Revolut Metal card comes with the following perks:</p>
<ul>
<li><strong>Purchase Protection</strong> - If your phone, tablet, or other eligible item is stolen or accidentally damaged, Revolut will reimburse you to &euro;10,000/year for up to 365 days after the purchase.</li>
<li><strong>Refund Protection</strong> - Revolut will refund up to &euro;300 on your eligible purchases for up to 90 days since the purchase.</li>
<li><strong>Event Ticket Protection</strong> - Revolut will refund your ticket price up to &euro;1,000 / year if you can't attend an event.</li>
<li><strong>Unlimited FX</strong> - Revolut won't charge you any exchange fees from Monday to Friday for 29+ currencies.</li>
<li><strong>International Travel Insurance</strong> - Revolut's insurance partner will cover medical treatments up to &euro;10M with a &euro;50 excess fee for trips of a maximum of 90 days.</li>
<li><strong>Winter Sport Coverage</strong> - Revolut's insurance partner will cover injuries and lost, stolen or damaged sports equipment.</li>
<li><strong>Car-Hire Excess</strong> - Revolut's insurance partner will cover up to &euro;2,000 of the specified excess, deductible or damage liability fee.</li>
<li><strong>Personal Liability</strong> - Revolut's insurance partner will cover claims of up to &euro;1M payable to a third party for damage or injury caused by you.</li>
<li><strong>SmartDelay</strong> - You will get a fee lounge pass for you and 3 friends if your flight is delayed for over an hour.</li>
<li><strong>Reduced Rates For Crypto &amp; Commodities</strong> - With the Revolut Metal plan you can enjoy low crypto exchange fees of 1.49% and reduced exchange fees of 0.5% when trading commodities.</li>
</ul>
<p><mark>Are you wondering how Revolut compares to the competition? Check out our guide <a href="https://p2pempire.com/en/wise-vs-revolut">Revolut vs Wise</a>.</mark></p>
<h2>Revolut Pet Insurance</h2>
<p>If you are a user from England, you can also enjoy Revolut's pet insurance. You can explore Revolut's insurance coverage in your Revolut "Hub".</p>
<p>Revolut offers the following insurance package for pets:</p>
<div class="checklist-box">
<ul>
<li>24/7 online vet support</li>
<li>Medical care abroad</li>
<li>Financial compensation when your pet passes away</li>
<li>Financial compensation when your pet goes missing</li>
</ul>
</div>
<p>In your Revolut app, you can set up an insurance profile for your furry friends. Revolut's insurance partner offers three different pet insurance plans. Here is an overview of the offered insurance plans.</p>
<p><img class="lazy" src="https://p2pgallery.s3.eu-central-1.amazonaws.com/EN/revolut-pet-insurance.webp" border="0" alt="revolut pet insurance" width="auto" height="auto" loading="lazy" /></p>
<p>It's worth mentioning that the insurance price varies depending on the breed and age of your pet. You will need to request a quote directly in your Revolut app to access pricing. Generally speaking, the monthly price for Revolut's pet insurance ranges from &pound;8 to &pound;31 per month, depending on the plan.</p>
<p>Revolut Pet insurance is currently limited to specific locations.&nbsp;</p>
<h2>Is Revolut Metal Worth It?</h2>
<p>Whether the Revolut Metal card is worth, it <strong>depends on your needs</strong> and the Revolut Metal plan features in your country.</p>
<p><mark>If you are considering ordering a Revolut Metal card in the U.S., we suggest reading our Revolut Metal review for U.S. clients.</mark></p>
<p>If you <strong>appreciate modern and safe banking apps with user-friendly financial products, Revolut is undoubtedly one of the best options</strong> on the market.</p>
<p>As a <strong>frequent traveler, you will benefit from the higher no-fee ATM withdrawals and the complimentary travel insurance</strong>.</p>
<p>If you aren't traveling a lot, transferring money abroad, or comfortable using your phone to manage your money, Revolut might not be the best fit for you.</p>
<p>We have been using the Revolut Metal plan for years, and honestly, we can't imagine returning to the Standard plan.</p>
<p><strong>The 24/7 priority support alone makes the Revolut Metal plan worth it.</strong> You never know when you will need to use it, but when you do, it's great compared to the support of other digital banks.</p>
<p>Revolut is one of the few (if not the only digital bank) that can send a replacement card abroad or refund your money from bookings you couldn't attend.</p>
<p>If you are an <strong>active user of Revolut outside of Europe, you can likely pay off the Revolut Metal subscription fee with the 1% cashback</strong>. This means that you can essentially use the Revolut Metal plan at no additional costs.</p>
<p>Are you ready to apply for the Revolut Metal card?</p>
<button class="redirect external_link_button promo" value="revolut">Apply Now</button><center>
<p><mark>Or learn how the Revolut Metal plan compares to other Revolut plans in our comprehensive <a href="https://p2pempire.com/en/revolut-review">Revolut review</a> or learn <a href="https://p2pempire.com/en/revolut-free-money">how to get money on Revolut</a>.</mark></p>
</center></article>

Revolut Metal Review 2025

Honest Revolut Metal Review 2025 ⏩ Is Revolut Metal Card worth it? ☑️ User review after 3 years ✅ Benefits & Disadvantages ⭐ Revolut Metal features.

Revolut Metal Review 2025 | Is It Worth The Money?

Is the Revolut Metal Card worth the money?

<article>
<h2>Revolut Premium Review - Is Revolut Premium Worth It?</h2>
<p>The Revolut Premium plan offers some of the best value for users seeking to experience premium banking services at affordable prices worldwide. In this Revolut Premium review, we will examine the benefits and disadvantages of the Revolut Premium plan so you can determine whether the Revolut Premium plan is worth the money.</p>
<p><img class="lazy" src="https://p2pgallery.s3.eu-central-1.amazonaws.com/EN/revolut-premium-card.webp" border="0" alt="revolut premium card" loading="lazy"></p>
<table class="comparison2">
<tbody>
<tr>
<th>Feature</th>
<th>Revolut Premium</th>
</tr>
<tr>
<td>🏷️ Monthly Price</td>
<td>&pound;6.99</td>
</tr>
<tr>
<td>🏧 No-Fee ATM withdrawals</td>
<td>&pound;400/m</td>
</tr>
<tr>
<td>🌐 No-Fee payments abroad</td>
<td>Yes</td>
</tr>
<tr>
<td>💳 No-Fee card delivery</td>
<td>Yes</td>
</tr>
<tr>
<td>💬 24/7 Priority Support</td>
<td>Yes</td>
</tr>
<tr>
<td>✈️ Travel Insurance</td>
<td>Yes</td>
</tr>
</tbody>
</table>
<h2>Revolut Premium Benefits &amp; Disadvantages</h2>
<p>As with any plan from Revolut, the Premium plan also comes with certain benefits and disadvantages that you should be aware of.</p>
<div class="pros">
<h3>Revolut Premium Benefits</h3>
<ul>
<li>Up to &pound;400 no-fee ATM withdrawal per month</li>
<li>No-Fee express card delivery</li>
<li>No exchange fees from Monday to Friday</li>
<li>Discounts on accommodation bookings via Revolut Stay</li>
<li>Travel Insurance</li>
<li>Purchase Protection</li>
<li>20% discount on international transfers</li>
<li>2.34% interest on GBP savings with Revolut Premium Vault</li>
<li>1 no-fee lounge pass with SmartDelay</li>
</ul>
</div>
<div class="cons">
<h3>Revolut Premium Disadvantages</h3>
<ul>
<li>2% ATM withdrawal fee for monthly withdrawals of more than &pound;400</li>
<li>No cashback on card transactions</li>
<li>Only available with a paid plan</li>
</ul>
</div>
<button class="redirect external_link_button promo" value="revolut">Try Revolut Premium</button>
<div class="tips-box">
<h3>How To Cancel The Revolut Premium Plan</h3>
<p>Remember that our readers have the exclusive opportunity to test Revolut Premium for the first three months. After the three months, you will be charged &pound;6.99 per month, or you may purchase the annual plan at a discounted rate.</p>
<p>If you wish to cancel your no-fee Revolut Premium plan during the first three months, you can do so anytime by requesting to cancel your subscription in the Revolut chat, which can be activated from your Revolut app.</p>
</div>
<h2>Revolut Premium Fees</h2>
<p>The Revolut Premium card costs &pound;6.99 per month, but you can save 20% by purchasing the Revolut Premium annual plan. The Revolut Premium plan offers many no-fee features; however, certain fees apply when using specific services connected to ATM withdrawals or trading features.</p>
<table class="comparison2">
<tbody>
<tr>
<th>Feature</th>
<th>Revolut Premium</th>
</tr>
<tr>
<td>Monthly Price</td>
<td>&pound;6.99</td>
</tr>
<tr>
<td>Card delivery</td>
<td>No-Fee</td>
</tr>
<tr>
<td>Replacement card</td>
<td>delivery fee</td>
</tr>
<tr>
<td>ATM withdrawals</td>
<td>2% above &pound;400/month</td>
</tr>
<tr>
<td>Crypto exchange fee</td>
<td>1.49%</td>
</tr>
<tr>
<td>Commodity trading fee</td>
<td>0.5%</td>
</tr>
<tr>
<td>FX fees</td>
<td>No fees from Monday to Friday</td>
</tr>
</tbody>
</table>
<p>If you plan to <strong>use Revolut abroad</strong>, we recommend opt-in for the Revolut Metal card instead. Our <a href="https://p2pempire.com/en/revolut-metal-review" target="_blank" rel="noopener noreferral">Revolut Metal review</a> explains how you can get the Revolut Metal plan by leveraging the Revolut Metal cashback option.</p>
<p><mark>Are you wondering how Revolut compares to the competition? Check out our guide <a href="https://p2pempire.com/en/revolut-metal-review">Revolut vs Wise</a> to find out.</mark></p>
<h2>Revolut Premium Crypto Fees</h2>
<p>Revolut enables you to buy and sell up to 98 different cryptocurrencies. When using the Revolut staking option, you can earn rewards of up to 12.43% per year. Currently, Revolut offers rewards on Polkadot, Tezos, Ether, and Cardano.</p>
<p><img class="lazy" src="https://p2pgallery.s3.eu-central-1.amazonaws.com/EN/revolut-crypto-staking.webp" border="0" alt="revolut crypto staking" loading="lazy"></p>
<p>With the Revolut Premium plan, you will be charged a 1.49% exchange fee when buying and selling your crypto assets. This is the lowest exchange rate offered by Revolut. Revolut's Standard and Plus users must pay 1.99% or a minimum of &pound;0.99 per crypto trade.</p>
<h2>Revolut Premium Card</h2>
<p>After downloading the Revolut app and signing up for the Revolut Premium plan, you can order your Revolut Premium card.</p>
<div class="tips-box">
<ol>
<li>Open your Revolut app</li>
<li>Navigate to the "Cards" tab</li>
<li>Click on "Physical debit card"</li>
<li>Swipe to "Premium" and choose your color</li>
</ol>
</div>
<p>The Revolut Premium card and it comes with express shipping. You can choose from three various Revolut Premium card designs.</p>
<div class="tips-box">
<ul>
<li>Revolut Premium Space Gray</li>
<li>Revolut Premium Rose Gold</li>
<li>Revolut Premium Lavender</li>
</ul>
</div>
<p>With the Revolut Premium plan, you can customize the plastic card to make it stand out from the crowd and add your unique style.</p>
<p><img class="lazy" src="https://p2pgallery.s3.eu-central-1.amazonaws.com/EN/revolut-premium-space-grey.webp" border="0" alt="revolut premium space grey" loading="lazy"></p>
<p>The Revolut Premium card comes with express shipping, which means it will arrive at your doorstep within 3 to 5 business days.</p>
<p>Revolut's express shipping works worldwide, which are very convenient, especially if you are traveling and you lose your card. Revolut can issue a replacement card within just a few days.</p>
<button class="redirect external_link_button promo" value="revolut">Get Your Revolut Premium Card</button>
<h2>Revolut Premium Travel Insurance</h2>
<p>Revolut Premium is the first plan that offers travel insurance coverage for trips abroad lasting no longer than 90 consecutive days. Here is a quick overview of the insurance provided by Revolut Premium.</p>
<table class="comparison2">
<tbody>
<tr>
<th>Insurance &amp; Travel</th>
<th>Premium</th>
</tr>
<tr>
<td>Payments abroad</td>
<td>Yes</td>
</tr>
<tr>
<td>No-Fee currency exchange during weekdays</td>
<td>Unlimited</td>
</tr>
<tr>
<td>Overseas medical insurance</td>
<td>&pound;10M/y limit</td>
</tr>
<tr>
<td>Car hire excess</td>
<td>No</td>
</tr>
<tr>
<td>Discounted international transfers</td>
<td>No</td>
</tr>
<tr>
<td>No-Fee card delivery</td>
<td>No-Fee express</td>
</tr>
<tr>
<td>Personal liability insurance</td>
<td>No</td>
</tr>
<tr>
<td>Daily interest on GBP savings</td>
<td>Up to 2.34% AER</td>
</tr>
<tr>
<td>Flight insurance</td>
<td>&pound;5,000/y limit</td>
</tr>
<tr>
<td>Baggage loss, damage or delay</td>
<td>&pound;1,000/y limit</td>
</tr>
<tr>
<td>Winter sport cover</td>
<td>&pound;3,000/y limit</td>
</tr>
<tr>
<td>No-Fee lounge access with SmartDelay</td>
<td>You +1 friend</td>
</tr>
<tr>
<td>Discounted airport lounge access</td>
<td>Yes</td>
</tr>
<tr>
<td>Theft and accident coverage</td>
<td>&pound;2,500/y limit</td>
</tr>
<tr>
<td>Ticket and event coverege</td>
<td>&pound;1,000/y limit</td>
</tr>
<tr>
<td>Refund protection</td>
<td>&pound;600/y limit</td>
</tr>
<tr>
<td>Purchase protection</td>
<td>&pound;2,500/y limit</td>
</tr>
</tbody>
</table>
<p>As you can see, Revolut Premium provides basic travel insurance coverage. However, if you are a frequent traveler or traveling abroad for a longer period, we suggest getting dedicated travel insurance, as Revolut's coverage won't be sufficient.</p>
<h2>Revolut Premium Lounge Access</h2>
<p>Revolut Premium and Revolut Metal plan offer discounted lounge passes for airport lounges worldwide.</p>
<p><img class="lazy" src="https://p2pgallery.s3.eu-central-1.amazonaws.com/EN/revolut-premium-lounge.webp" border="0" alt="revolut premium lounge" loading="lazy"></p>
<p>All the lounge passes cost &euro;28/&pound;25 and can be booked directly from your Revolut app.</p>
<div class="tips-box">
<ol>
<li>Open your Revolut app</li>
<li>Navigate to the "Hub"</li>
<li>Click on "Lounges" in the "Lifestyle" section</li>
<li>Choose "Add Lounge pass"</li>
<li>Search the airport or city</li>
<li>Review available lounges and opening hours</li>
<li>Choose your preferred lounge and buy a lounge pass for you and your friends</li>
</ol>
</div>
<p>After you have purchased your lounge pass, you will get a QR code scanned at the airport lounge entrance.</p>
<h3>No-Fee Lounge Passes With SmartDelay</h3>
<p>If your flight is delayed for more than one hour, Revolut will generate a no-fee lounge pass. This benefit is offered only to Revolut Premium and Revolut Metal users.</p>
<p>Remember to register your flight in your Revolut app at least two hours before departure to receive a no-fee lounge pass.</p>
<div class="tips-box">
<ol>
<li>Open your Revolut app</li>
<li>Go to the "Hub"</li>
<li>Click on the "SmartDelay" icon</li>
<li>Register your flight</li>
</ol>
</div>
<p>If you are a Revolut Premium user, you can take one friend to the lounge at no extra charge. Revolut Metal users can take up to 3 friends when the flight is delayed.</p>
<p>The Revolut travel insurance package is helpful, especially if you travel a lot. Revolut's insurance partner covers delayed or canceled flights and baggage damage, delay, and loss.</p>
<h2>Revolut eSIM plans</h2>
<p>Revolut has recently started offering eSIM plans for travelers. You can now buy an eSIM directly from your Revolut app. Unfortunately, Revolut doesn't provide the best price-to-value ratio for eSIMs. When comparing eSIM plans for Thailand, the company charges up to four times more than some competitors.</p>
<p>For example, Revolut charges 4 EUR per 1 GB in Thailand for seven days, whereas on <a href="https://simpackers.com/destinations/esim-thailand" target="_blank" rel="noopener noreferral">Simpackers.com</a> you can find a cheaper eSIM for Thailand starting from 1 USD for 30 days.</p>
<p><img class="lazy" src="https://p2pgallery.s3.eu-central-1.amazonaws.com/EN/revolut-esim.webp" border="0" alt="revolut esim" loading="lazy"></p>
<h2>Revolut Premium vs Metal</h2>
<p>Many users are curious about the differences between Revolut Premium and Metal plans. The following table compares the features offered by both plans and helps you decide whether the Revolut Premium or Metal plan is better for you.</p>
<table class="comparison3">
<tbody>
<tr>
<th>Service</th>
<th>Premium</th>
<th>Metal</th>
</tr>
<tr>
<td>Price</td>
<td>&pound;6.99 / month</td>
<td>&pound;12.99 / month</td>
</tr>
<tr>
<td>No-Fee ATM withdrawals</td>
<td>&pound;400/m</td>
<td>&pound;800/m</td>
</tr>
<tr>
<td>Personalized cards</td>
<td>Yes</td>
<td>Yes</td>
</tr>
<tr>
<td>Cashback</td>
<td>No</td>
<td>Yes</td>
</tr>
<tr>
<td>Discounted international transfers</td>
<td>20%</td>
<td>40%</td>
</tr>
<tr>
<td>No-Fee card delivery</td>
<td>No-Fee express</td>
<td>No-Fee express</td>
</tr>
<tr>
<td>24/7 priority support</td>
<td>Yes</td>
<td>Yes</td>
</tr>
<tr>
<td>Daily interest on GBP savings</td>
<td>Up to 2.34% AER</td>
<td>Up to 2.76% AER</td>
</tr>
<tr>
<td>Daily interest on EUR savings</td>
<td>Up to 1% AER</td>
<td>Up to 1.15% AER</td>
</tr>
<tr>
<td>Travel Insurance</td>
<td>Yes</td>
<td>Yes</td>
</tr>
<tr>
<td>Everyday Protection</td>
<td>No</td>
<td>Yes</td>
</tr>
</tbody>
</table>
<p>The biggest advantage of the Revolut Metal plan compared to the Revolut Premium plan is the cashback that will be added to your account.</p>
<p>Revolut Metal users will get a 1% cashback on all transactions outside of Europe, up to the Revolut Metal monthly subscription price. If you live and <a href="https://p2pempire.com/en/using-revolut-abroad">use Revolut abroad</a>, chances are you can essentially pay the Revolut Metal subscription with the cashback you generate with your Revolut Metal plan.</p>
<p>The cashback feature isn't available for Revolut Premium members.&nbsp;</p>
<p>The Revolut Premium plan costs around &pound;67 if you get the annual plan.&nbsp;</p>
<h2>Revolut Plus vs Premium</h2>
<p>Are you wondering about the differences between Revolut Plus and Revolut Premium? In the following table you can see the main features offered by both Revolut plans.</p>
<table class="comparison3">
<tbody>
<tr>
<th>Service</th>
<th>Premium</th>
<th>Plus</th>
</tr>
<tr>
<td>Price</td>
<td>&pound;6.99 / month</td>
<td>&pound;2.99 / month</td>
</tr>
<tr>
<td>No-fee ATM withdrawals</td>
<td>&pound;400/m</td>
<td>&pound;200/m</td>
</tr>
<tr>
<td>Personalized cards</td>
<td>Yes</td>
<td>Yes</td>
</tr>
<tr>
<td>Cashback</td>
<td>No</td>
<td>No</td>
</tr>
<tr>
<td>Discounted international transfers</td>
<td>20%</td>
<td>No</td>
</tr>
<tr>
<td>No-fee card delivery</td>
<td>No-fee express</td>
<td>No-fee standard</td>
</tr>
<tr>
<td>24/7 priority support</td>
<td>Yes</td>
<td>No</td>
</tr>
<tr>
<td>Daily interest on GBP savings</td>
<td>Up to 2.34% AER</td>
<td>Up to 1.38% AER</td>
</tr>
<tr>
<td>Daily interest on EUR savings</td>
<td>Up to 1% AER</td>
<td>Up to 1.29% AER</td>
</tr>
<tr>
<td>Travel Insurance</td>
<td>Yes</td>
<td>No</td>
</tr>
<tr>
<td>Everyday Protection</td>
<td>No</td>
<td>No</td>
</tr>
</tbody>
</table>
<p>The Revolut Plus plan is cheaper than Revolut Premium but doesn't offer many perks. The ATM withdrawal limit is low, you don't get express delivery, and no travel insurance is included.</p>
<p>We think paying just for access to the "Everyday Protection" plan that covers theft and accidents is not worth the money.</p>
<h2>Revolut Premium vs Standard</h2>
<p>There are significant differences between Revolut Premium and Standard, which you should be informed about before signing up for the no-fee Revolut plan.</p>
<table class="comparison3">
<tbody>
<tr>
<th>Service</th>
<th>Premium</th>
<th>Standard</th>
</tr>
<tr>
<td>Price</td>
<td>&pound;6.99 / month</td>
<td>No-fee</td>
</tr>
<tr>
<td>No-fee ATM withdrawals</td>
<td>&pound;400/m</td>
<td>&pound;200/m</td>
</tr>
<tr>
<td>Personalized cards</td>
<td>Yes</td>
<td>No</td>
</tr>
<tr>
<td>Cashback</td>
<td>No</td>
<td>No</td>
</tr>
<tr>
<td>Discounted international transfers</td>
<td>20%</td>
<td>No</td>
</tr>
<tr>
<td>No-fee card delivery</td>
<td>No-fee express</td>
<td>Shipping fees apply</td>
</tr>
<tr>
<td>24/7 priority support</td>
<td>Yes</td>
<td>No</td>
</tr>
<tr>
<td>Daily interest on GBP savings</td>
<td>Up to 2.34% AER</td>
<td>Up to 1.30% AER</td>
</tr>
<tr>
<td>Daily interest on EUR savings</td>
<td>Up to 1% AER</td>
<td>Up to 1.19% AER</td>
</tr>
<tr>
<td>Travel Insurance</td>
<td>Yes</td>
<td>No</td>
</tr>
<tr>
<td>Everyday Protection</td>
<td>No</td>
<td>No</td>
</tr>
</tbody>
</table>
<p>Like Revolut Plus, Revolut Standard also offers only &pound;200 of monthly no-fee ATM withdrawals. With the Revolut Standard plan, you must cover the shipping fees for the physical card, which is &pound;4.99 in England. The costs might differ based on your location.</p>
<p>While the Revolut app offers some basic functionalities, it does not include travel insurance or the "Everyday Protection" package.</p>
<p>If you plan to use Revolut as your secondary bank account and don't travel much, the no-fee Revolut Standard plan might be sufficient for your needs.</p>
<p>It ultimately comes down to your unique situation and how you plan to use Revolut's digital bank account.</p>
<h2>Is Revolut Premium Worth It?</h2>
<p>If you travel frequently or actively trade crypto, stocks, or commodities on Revolut, the Revolut Premium plan is undoubtedly a bargain.</p>
<p>If you are a student or your budget for banking services is limited, you might as well cancel your Revolut Premium and downgrade to Revolut Standard, which doesn't have a subscription fee.</p>
<p>We have been using Revolut Metal for the past few years, and we can't think of a better product in the digital banking space. Our editorial team is based worldwide, so the Revolut Metal plan makes a lot of sense for us.</p>
<button class="redirect external_link_button promo" value="revolut">Get Revolut Premium</button>
<p><mark>Or compare all Revolut plans in our in-depth <a href="https://p2pempire.com/en/revolut-review">Revolut review</a>.</mark></p>
</article>

Revolut Premium Review 2025

Honest Revolut Premium Review 2025 ⏩ Is Revolut Premium worth it? ☑️ User review after 3 years ✅ Benefits & Disadvantages ⭐ Revolut Premium features.

Revolut Premium Review 2025 | Is Revolut Premium Worth It?

Is Revolut Premium worth it?

<article>
<h2>How To Get Free Money On Revolut In 2025</h2>
<p>If you're searching for tips on how to get free money on Revolut, look no further! In this blog post, we will reveal five foolproof methods of obtaining money with the help of Revolut.</p>
<div class="checklist-box">
<h3>Key Takeaways</h3>
<ul>
<li>All methods of getting money on Revolut require an active Revolut account.</li>
<li>Revolut's financial tools may enable you to earn additional cashback, interest or crypto rewards.</li>
<li>The fastest way to get money on Revolut is by referring Revolut to your friends.</li>
</ul>
</div>
<p>Revolut is one of the fastest-growing digital banks in Europe, offering a wide range of financial services at low costs. Find out how you can get money on Revolut with the following unconventional strategies or explore our <a href="https://p2pempire.com/en/revolut-review">Revolut review</a> to learn more about the features Revolut is offering.</p>
<h2>6. Ways How To Get Money On Revolut</h2>
<p>Many users wonder if Revolut is worth it. We believe that if you&rsquo;re looking for a low-cost digital bank that lets you manage your finances and pay for goods and services from your mobile, then Revolut is definitely worth considering.</p>
<p>And with the right strategies, you can even make money with Revolut.</p>
<p>Here are some ways to earn bonuses, rewards, interest, or even cash with Revolut:</p>
<div class="tips-box">
<ol>
<li>Revolut Referral Code</li>
<li>Using the Revolut &lt;18 Invite Code</li>
<li>Crypto Staking With Revolut</li>
<li>Earning Money With Savings &amp; Funds</li>
<li>Earning RevPoints With Revolut</li>
<li>Sign-Up Bonuses</li>
</ol>
</div>
<p>To start earning money on Revolut, you must create an account. The digital bank offers accounts for everyone. You only need to submit your phone number, download the Revolut app and open an account.</p>
<button class="redirect external_link_button promo" value="revolut">Get Started</button>
<h2>Revolut Refer-A-Friend Campaign</h2>
<p>Revolut is regularly offering bonuses for users who refer Revolut to their friends. The money you get depends on your country and your Revolut plan. To get cash from Revolut, your referred friend must complete the following steps:</p>
<div class="tips-box">
<ol>
<li>Sign up with your Revolut referral link</li>
<li>Add money to his/her account</li>
<li>Order a physical card</li>
<li>Make 3 purchases of min &pound;5 each</li>
</ol>
</div>
<p>Once your friend completes all the steps, you will get between &pound;/&euro;10 and &pound;/&euro;200 of cash reward added to your account. Revolut doesn't specify which amount you get. The reward is selected randomly. This is the easiest way to earn money on Revolut.</p>
<p>For more details, open your Revolut app to read the terms that apply to you.</p>
<button class="redirect external_link_button promo" value="revolut">Register Now</button>
<h2>Using the Revolut &lt;18 Invite Code</h2>
<p>Parents or any adults may invite teens or their children to create a &lt;18 Revolut account. Registered users can use the &lt;18 invite code to refer Revolut to teens and children from 6 years of age.</p>
<p>The "Hub" is at your fingertips to access the current referral campaign aimed at teenagers. Send your child or teen in the family the Revolut &lt;18 invite code and watch them benefit from it!</p>
<p>After the referred user has signed up, you both will get &pound;5 for added to your Revolut accounts.</p>
<h2>Money With Crypto Staking</h2>
<p>If you are familiar with crypto staking or are keen to learn earn money on your cryptoassets, Revolut may be the right option for you.</p>
<p>Revolut doesn't only allow you to buy and sell up to 98 cryptocurrencies, the digital bank enables you to also earn money by staking your cryptos on the Revolut app.</p>
<p>Revolut pays out rewards on the following cryptos: Ether, Tezos, Cardano, and Polkadot.</p>
<p>Go to the "Crypto" tab in your Revolut app and click "Earn" to access the crypto staking feature.</p>
<p><img class="lazy" src="https://p2pgallery.s3.eu-central-1.amazonaws.com/EN/revolut-free-money-crypto.webp" border="0" alt="revolut free money crypto" loading="lazy"></p>
<p>With Revolut, you can earn up to 12.43% APY on selected cryptocurrencies! Rewards are paid out weekly, allowing you to restake and maximize the benefits of compounding interest. If you decide to sell your crypto assets later, keep in mind that Revolut requires a 29-day unlocking period before your assets become available for sale.</p>
<p>Please note, Revolut&rsquo;s crypto staking feature is currently available only to users in select countries, including Germany and the UK.</p>
<h2>Earning Money With Savings &amp; Funds</h2>
<p>Earning money with Revolut has never been easier. The "Savings &amp; Funds" feature, Revolut&rsquo;s equivalent of a traditional savings account, lets you earn interest on your deposits within a dedicated savings vault.</p>
<p>Even on the Standard plan, Revolut offers up to 1.3% interest on GBP savings. For users on the Metal plan, this rate increases to up to 4.77%, maximizing your earnings with Revolut.</p>
<p>Here&rsquo;s a breakdown of the savings rates available for Europeans based on each Revolut plan.</p>
<table class="comparison6">
<tbody>
<tr>
<th>Reward</th>
<th>Standard</th>
<th>Plus</th>
<th>Premium</th>
<th>Metal</th>
<th>Ultra</th>
</tr>
<tr>
<td>Daily interest on GBP savings</td>
<td>Up to 1.3% APY</td>
<td>Up to 1.38% APY</td>
<td>Up to 2.34% APY</td>
<td>4.77% APY</td>
<td>4.92% APY</td>
</tr>
<tr>
<td>Daily interest on USD savings</td>
<td>None</td>
<td>1.73% APY</td>
<td>2.71% APY</td>
<td>4.56% APY</td>
<td>4.91% APY</td>
</tr>
<tr>
<td>Daily interest on EUR savings</td>
<td>Up to 1.19% APY</td>
<td>Up to 1.29% APY</td>
<td>Up to 1.68% APY</td>
<td>3.28% APY</td>
<td>3.38% APY</td>
</tr>
</tbody>
</table>
<p>To open a "Savings &amp; Funds" account on Revolut and start earning interest, simply click on the "Account" button on your Home screen, scroll down to "Savings &amp; Funds," and select "Discover." Please keep in mind that interest rates may vary.</p>
<p>Deposit money into your vault to start earning interest, which you can redeem anytime.</p>
<h2>Earning Money with RevPoints</h2>
<p>Revolut&rsquo;s Metal plan once offered strong incentives with its Cashback program, but as of September 2024, this feature has been replaced by the "RevPoints" reward system.</p>
<p>With the new RevPoints system, Metal users earn 1 point for every &euro;2 spent. These points can be redeemed for Airline miles, Stays, or Experiences within the Revolut app.</p>
<h3>Airline Miles</h3>
<p>Each RevPoint converts to one mile for select airline loyalty programs. Popular partners include British Airways, Etihad, KLM, Qantas, and Qatar Airways, while others like AirAsia, Austrian, Turkish Airlines, and Emirates are currently excluded.</p>
<h3>Stays</h3>
<p>RevPoints can also be used for accommodation through an "Airbnb"-style booking system in the Revolut app. However, the conversion rate is approximately 160 RevPoints to &euro;1, making it more of a discount. For instance, a one-night stay at a decent hotel in Dubai may require around 30,000 RevPoints, making it challenging to fund an entire stay solely with points.</p>
<h3>Experiences</h3>
<p>RevPoints can also be applied as discounts on tourist attractions and experiences booked within the app. However, they are unlikely to cover the entire cost of an experience.</p>
<p>Overall, RevPoints offer less value compared to the previous Cashback program, and they may not be the best reason to choose Revolut. You may find greater savings by comparing flights, accommodations, and experiences through other booking platforms.</p>
<h2>Sign-Up Bonuses</h2>
<p>Revolut occasionally offers a sign-up bonus for new customers when you use the correct promo code during registration. These bonuses typically range from &pound;10 to &pound;20 and can be higher during special promotions.</p>
<p>In the past, Revolut offered a &euro;10 bonus, though this offer is no longer available.</p>
<p>Bookmark this page to stay informed about the latest promotions from Revolut.</p>
<h2>Final Takeaways</h2>
<p>With Revolut, the potential to earn rewards and benefits is extensive! Choosing the right plan for your needs is key. If you plan to use Revolut&rsquo;s savings or investment accounts, the interest earned might be a solid option. However, for European investors, P2P loans could offer even higher returns.</p>
<p>Revolut delivers an exceptional digital banking experience, and with its wide range of plans, you&rsquo;re sure to find a fit that complements your lifestyle perfectly.</p>
</article>

Revolut Free Money 2025

How to get free money on Revolut in 2025 ⏩ Revolut money bonuses ☑️ Revolut <18 invitation code ✅ Get between £10 and £200 ⭐ Revolut bonus.

Revolut Free Money December 2025

Learn how to get free money on Revolut!

<article>
<h2>Revolut vs N26 - How is N26 different from Revolut?</h2>
<p>Are you struggling to decide which bank account best fits your needs? With our comparison between N26 vs Revolut, you can learn about all the differences between both companies and discover which offers a superior banking experience while still staying within a budget.</p>
<div class="checklist-box">
<h3>Key Takeaways</h3>
<ul>
<li>N26 is not available in the UK</li>
<li>Only Revolut offers a multi-currency account</li>
<li>Revolut offers a better banking experience</li>
<li>N26 You offers free unlimited ATM withdrawals worldwide</li>
<li>N26 offers joint accounts for two</li>
</ul>
</div>
<h2>Revolut vs N26: Comparison Of No-Fee Plans</h2>
<p>When deciding between N26 and Revolut bank accounts, factor in the fees and services associated with each bank. Both have advantages and drawbacks; it's just a matter of what matters most.</p>
<p>We will first compare the free standard plans of N26 and Revolut before reviewing their paid plans.</p>
<table class="comparison3">
<tbody>
<tr>
<th>Service</th>
<th>N26</th>
<th>Revolut</th>
</tr>
<tr>
<td><strong>Price</strong></td>
<td>Free</td>
<td>No-fee</td>
</tr>
<tr>
<td><strong>Physical card</strong></td>
<td>No</td>
<td>Yes (+ shipping fee)</td>
</tr>
<tr>
<td><strong>No-Fee ATM withdrawals</strong></td>
<td>3 (in EUR)</td>
<td>up to &euro;200/month or 5x</td>
</tr>
<tr>
<td><strong>No-Fee ATM withdrawals EU</strong></td>
<td>Unlimited</td>
<td>up to &euro;200/month or 5x</td>
</tr>
<tr>
<td><strong>ATM withdrawal fee</strong></td>
<td>&euro;2 / withdrawal</td>
<td>2% (min. &euro;1) on additional amounts</td>
</tr>
<tr>
<td><strong>Card payments worldwide</strong></td>
<td>Free</td>
<td>No-fee</td>
</tr>
<tr>
<td><strong>Card shipping fee</strong></td>
<td>&euro;10</td>
<td>from &euro;5</td>
</tr>
<tr>
<td><strong>Multi-currency accounts</strong></td>
<td>No</td>
<td>Yes</td>
</tr>
<tr>
<td><strong>Savings accounts</strong></td>
<td>2.8% p.a.</td>
<td>3.09% p.a. (variable)</td>
</tr>
<tr>
<td>&nbsp;</td>
<td><button class="redirect external_link_button promo" value="n26">Sign Up</button></td>
<td><button class="redirect external_link_button promo" value="revolut">Sign Up</button></td>
</tr>
</tbody>
</table>
<p>When comparing the no-fee plans offered by N26 and Revolut, you will notice that the former offers a no-fee physical plastic card, whereas N26 offers only a virtual card, which you can add to your Google Pay and Apple Pay accounts.</p>
<p>Revolut doesn't differentiate between domestic and international ATM withdrawals like N26. If you surpass the free ATM withdrawal limit, you must pay a withdrawal fee with Revolut or N26.</p>
<p>The benefit of Revolut is that it offers a better banking experience and multi-currency accounts for users who wish to use&nbsp;<a href="https://p2pempire.com/en/revolut-free-money">Revolut for no-fees</a>.</p>
<h2>Revolut Plus vs N26 Smart</h2>
<p>If you are researching Revolut and N26, you might know that both companies offer a budget-friendly paid plan with minor benefits.</p>
<p>Let's look at the additional features you will get by subscribing to the first paid plan from N26 or Revolut.</p>
<table class="comparison3">
<tbody>
<tr>
<th>Service</th>
<th>N26 Smart</th>
<th>Revolut Plus</th>
</tr>
<tr>
<td><strong>Price per month</strong></td>
<td>&euro;4.90</td>
<td>&euro;3.99</td>
</tr>
<tr>
<td><strong>Physical card</strong></td>
<td>Yes</td>
<td>Yes (+ shipping fee)</td>
</tr>
<tr>
<td><strong>No-Fee ATM withdrawals</strong></td>
<td>5 (in EUR)</td>
<td>up to &euro;200/month</td>
</tr>
<tr>
<td><strong>No-Fee ATM withdrawals EU</strong></td>
<td>Unlimited</td>
<td>up to &euro;200/month</td>
</tr>
<tr>
<td><strong>Savings account</strong></td>
<td>2.8% p.a.</td>
<td>No</td>
</tr>
<tr>
<td><strong>Additional features</strong></td>
<td>Access to budgeting tools</td>
<td>Access to theft, purchase, and ticket protection</td>
</tr>
<tr>
<td><strong>Savings account</strong></td>
<td>2.8% p.a.</td>
<td>3.24% p.a. (variable)</td>
</tr>
<tr>
<td>&nbsp;</td>
<td><button class="redirect external_link_button promo" value="n26">Sign Up</button></td>
<td><button class="redirect external_link_button promo" value="revolut">Sign Up</button></td>
</tr>
</tbody>
</table>
<p>As you can see, the additional features you get by paying for your bank account are limited.</p>
<p>Both banks, Revolut and N26 offer a discounted annual plan, but in our opinion, it's not worth it for most users.</p>
<p>The N26 Smart account comes with a physical card and five domestic withdrawals included.</p>
<p>The Revolut Plus accounts have an "Everyday Protection" package that offers theft and accident coverage or purchase protection. We think the likelihood that you will ever use this service is relatively low.</p>
<h2>Revolut Premium vs N26 You</h2>
<p>Revolut and N26 offer premium accounts: N26 You and Revolut Premium. Those plans offer higher no-fee ATM withdrawals and travel insurance. Let's look at the pricing and features you get.</p>
<table class="comparison3">
<tbody>
<tr>
<th>Service</th>
<th>N26 You</th>
<th>Revolut Premium</th>
</tr>
<tr>
<td><strong>Price per month</strong></td>
<td>&euro;9.90</td>
<td>&euro;8.99</td>
</tr>
<tr>
<td><strong>Physical card</strong></td>
<td>Yes</td>
<td>Yes (no-fee express shipping)</td>
</tr>
<tr>
<td><strong>No-Fee ATM withdrawals</strong></td>
<td>5 (in EUR)</td>
<td>up to &euro;400/month</td>
</tr>
<tr>
<td><strong>No-Fee ATM withdrawals EU</strong></td>
<td>Unlimited</td>
<td>up to &euro;400/month</td>
</tr>
<tr>
<td><strong>No-Fee ATM withdrawals (abroad)</strong></td>
<td>Unlimited</td>
<td>up to &euro;400/month</td>
</tr>
<tr>
<td><strong>Additional features</strong></td>
<td>Access to budgeting tools</td>
<td>Access to theft, purchase, and ticket protection</td>
</tr>
<tr>
<td><strong>Medical travel insurance</strong></td>
<td>Up to &euro;1 M</td>
<td>Up to &euro;10 M</td>
</tr>
<tr>
<td><strong>Travel cancellation insurance</strong></td>
<td>Up to &euro;10,000</td>
<td>Up to &euro;5,000</td>
</tr>
<tr>
<td><strong>Flight insurance</strong></td>
<td>&euro;500 for delays of more than 4 h</td>
<td>&euro;500 for delays of more than 4 h</td>
</tr>
<tr>
<td><strong>Luggage coverage</strong></td>
<td>&euro;500 for luggage delay, &euro;2,000 for luggage loss</td>
<td>&euro;400 for luggage delay, &euro;1,000 for luggage loss</td>
</tr>
<tr>
<td><strong>Winter sport insurance</strong></td>
<td>Up to &euro;2,300</td>
<td>Up to &euro;1,500</td>
</tr>
<tr>
<td><strong>Mobility Insurance</strong></td>
<td>Up to &euro;20,000</td>
<td>None</td>
</tr>
<tr>
<td><strong>Max. trip duration</strong></td>
<td>90 days</td>
<td>90 days</td>
</tr>
<tr>
<td><strong>The trip must be paid for with the card</strong></td>
<td>Partially</td>
<td>No</td>
</tr>
<tr>
<td><strong>Savings account</strong></td>
<td>2.8% p.a.</td>
<td>3.69% p.a. (variable)</td>
</tr>
<tr>
<td>&nbsp;</td>
<td><button class="redirect external_link_button promo" value="n26">Sign Up</button></td>
<td><button class="redirect external_link_button promo" value="revolut">Sign Up</button></td>
</tr>
</tbody>
</table>
<p>As you can see, both premium plans offer a travel insurance package that protects you for up to 90 consecutive days. It's important to highlight that to claim with N26, at least a part of the trip has to be paid with your N26 card, whereas with Revolut, the coverage is connected to your account plan rather than your card payments.</p>
<p>With Revolut Premium, you also get access to cheaper airport lounge passes and multi-currency accounts which isn't the case with N26.</p>
<p>Both banks offer discounts on annual plans; however, we believe that the Revolut Premium plan is more valuable than N26 You.</p>
<h2>Revolut Metal vs N26 Metal</h2>
<p>Revolut and N26 offer a physical metal debit card for Metal plan users. This plan is the most expensive offered by both banks. It offers the same travel insurance package as the Premium plan but higher no-fee ATM withdrawal limits.</p>
<table class="comparison3">
<tbody>
<tr>
<th>Service</th>
<th>N26 Metal</th>
<th>Revolut Metal</th>
</tr>
<tr>
<td><strong>Price per month</strong></td>
<td>&euro;16.90</td>
<td>&euro;15.99</td>
</tr>
<tr>
<td><strong>Physical card</strong></td>
<td>Yes</td>
<td>Yes (no-fee express shipping)</td>
</tr>
<tr>
<td><strong>No-Fee ATM withdrawals</strong></td>
<td>8 (in EUR)</td>
<td>up to &euro;800/month</td>
</tr>
<tr>
<td><strong>No-Fee ATM withdrawals EU</strong></td>
<td>Unlimited</td>
<td>up to &euro;800/month</td>
</tr>
<tr>
<td><strong>No-Fee ATM withdrawals (abroad)</strong></td>
<td>Unlimited</td>
<td>up to &euro;800/month</td>
</tr>
<tr>
<td><strong>Cashback</strong></td>
<td>None</td>
<td>0.1% in Europe, 1% abroad</td>
</tr>
<tr>
<td><strong>Travel Insurance</strong></td>
<td>Yes</td>
<td>Yes</td>
</tr>
<tr>
<td><strong>Savings account</strong></td>
<td>4% p.a.</td>
<td>3.84% p.a. (variable)</td>
</tr>
<tr>
<td>&nbsp;</td>
<td><button class="redirect external_link_button promo" value="n26">Sign Up</button></td>
<td><button class="redirect external_link_button promo" value="revolut">Sign Up</button></td>
</tr>
</tbody>
</table>
<p>The most significant difference between N26 Metal and Revolut Metal is the price and the cashback you get with Revolut Metal.</p>
<p>If you live abroad (outside of Europe), Revolut will pay you 1% cashback on your transactions up to the monthly subscription price. You can, therefore, use your cashback to pay the Revolut Metal monthly fee.</p>
<p>N26 Metal offers cashback only for business accounts. Additionally, the N26 Metal plan is more expensive and doesn't provide any significant value compared to the N26 You plan, which is cheaper and offers nearly identical benefits.</p>
<h2>N26 vs Revolut: Savings Accounts</h2>
<p>As of December 2025, Revolut and N26 offer interest on your cash.</p>
<p>With Revolut, you can open a "Flexible Cash Fund," Revolut's alternative savings account that pays daily interest.</p>
<p>The interest rate varies depending on your residence and currency. With the Flexible Cash Fund, you will invest in the Fidelity Money Market Fund, considered a lower-risk investment than stocks.</p>
<p>Revolut lets you cash out your money from the alternative savings account anytime.&nbsp;</p>
<p>Compared to Revolut's alternative savings account, N26 offers a real instant savings account with a deposit protection of up to &euro;100,000 per user.&nbsp;</p>
<p>On N26, you can start with as little as &euro;1 and enjoy annual interest on your savings of up to 2.8%.</p>
<h2>N26 vs Revolut: International Transfer</h2>
<p>Both companies, Revolut and N26, enable you to make international transfers.</p>
<p>Revolut and N26 allow you to send money abroad from your mobile device or via their native web application.</p>
<p>It's important to highlight that N26 uses <a>Wise.com</a> to transfer money internationally. You get the same rates as if you would transfer money with Wise.</p>
<p><mark>Learn more about Wise in our <a href="https://p2pempire.com/en/wise-money-transfer">Wise Money Transfer review</a>.</mark></p>
<p>Despite the subjective nature of N26 compared to Revolut, exchange rates and international transfer fees should be carefully considered as objective criteria.</p>
<p>Both banks, N26 and Revolut, allow you to send money for free via SEPA. You will be charged a small fee if you use the SWIFT network or send money abroad.</p>
<p>The exchange rate and international money transfer fees always depend on the following variables:</p>
<div class="checklist-box">
<ul>
<li>currency pair</li>
<li>weekdays vs. weekends</li>
<li>transfer amount</li>
<li>transfer type (Wise offers low-cost and fast transfers)</li>
<li>your plan (discounted transfer fees for Revolut Premium &amp; Metal)</li>
</ul>
</div>
<p>Sending money abroad will be more intuitive with Wise than with N26. Chances are, the rates you will get with Revolutwille also be more favorable, making your transaction cheaper.</p>
<p>If you decide to use both banks for international money transfers, we suggest making the transfer during workdays, as the fees on the weekend are higher.</p>
<p><mark>Are you wondering which money transfer service is cheaper? Read our <a href="https://p2pempire.com/en">Wise vs Revolut comparison</a>.</mark></p>
<h2>N26 vs Revolut: ATM fees</h2>
<p>If you are traveling abroad, you might often need cash to pay for goods and services. Cash is king, especially in Asia or Africa, and paying with your N26 or Revolut card isn't always possible.</p>
<p>N26 offers unlimited ATM withdrawals outside your home country if you are a paying customer. The bank enables you to make between 3 and 8 domestic ATM withdrawals at no additional fees.</p>
<p>Revolut has a no-fee ATM withdrawal limit ranging from &euro;200 to &euro;800 per month, depending on your Revolut plan. If you live and spend money in Europe, this limit is likely sufficient for you. If you use Revolut abroad, you will often surpass this limit.</p>
<p>Revolut charges a 2% withdrawal fee (or a min. of &euro;1) if you surpass the no-fee ATM withdrawal limit. Remember that ATMs abroad might already charge a withdrawal fee, so you often withdraw a more significant amount of money at once.</p>
<p>Withdrawing money with N26 abroad is hassle-free, as you can withdraw unlimited amounts for free. If you surpass the withdrawal limit in your home country, you can either continue withdrawing money for free in Cash26 partner shops or pay a &euro;2 withdrawal fee.</p>
<h2>N26 vs Revolut: Cards</h2>
<p>Revolut and N26 offer virtual and physical cards. If you open just the no-fee Standard accounts, you must pay to get your physical card shipped.</p>
<p>Alternatively, you can connect the virtual cards to your Apple Pay or Google Pay and pay for services and goods with your phone.</p>
<p>Still, we highly recommend getting a physical card, as sometimes relying on a mobile device to pay for essential services might not be the best approach.</p>
<p>The N26 card comes in five different color schemes, whereas Revolut supports a variety of colors with the option to personalize your card if you are a premium or metal</p>
<h2>Revolut vs N26 - Which is better?</h2>
<p>We have been using N26 You and <a href="https://p2pempire.com/en/revolut-metal-review">Revolut Metal for several years</a>, and we find both plans suitable for our needs. Especially if you live abroad as a European, the N26 You account allows you to withdraw money without any hidden costs anywhere, whereas the Revolut Metal plan pays for itself with the offered cashback.</p>
<p>The N26 Premium or Revolut Premium would be sufficient if you live in the EU. Remember that N26 is no longer available in the UK, so if you are looking for a digital banking account that you can use abroad, Revolut is likely your best option.</p>
<p>Choosing the right plan for you is simple. Look at the features that both companies offer and pick the plan that fits your needs.</p>
<p>Remember that both companies offer discounts on annual subscriptions. If you decide to go with the paid plans, there is no need to be on a monthly subscription as you can get more than a 20% discount on the annual plans, which aren't publically advertised.</p>
<p class="question">Are you ready to sign up with Revolut?&nbsp;</p>
<button class="redirect external_link_button promo" value="revolut">Get Started with Revolut</button>
<p><mark>Or learn more about this digital bank in our <a href="https://p2pempire.com/en/revolut-review">Revolut review</a>.</mark></p>
<p class="question">Would you prefer to join N26 instead?</p>
<button class="redirect external_link_button promo" value="n26">Get Started with N26</button>
<p><mark>Remember that N26 isn't available in the UK. Learn more about N26 in our <a href="https://p2pempire.com/en/n26-review">N26 review</a>.</mark></p>
</article>

N26 vs Revolut

N26 vs Revolut Comparison ⏩ Bank plans ☑️ ATM fees ✅ Exchange rates ⭐ Which is better? Revolut or N26? Compare fees and features.

N26 vs Revolut 2025 | How is N26 different from Revolut?

Wondering which bank is the better fit for you? Find out in our comparison!

<article>
<h2>Revolut Metal For U.S. Clients - Is It Worth It?</h2>
<p>Revolut Metal plan offers no-fee ATM withdrawals in selected ATMs, a personalized metal debit card, five fee-free international transfers per month, no-fee express delivery, and 24/7 customer support. Is it worth the monthly $16.99 subscription fee? Let's find out in our Review of the Revolut Metal plan for clients from the U.S.A.</p>
<h2>Revolut Metal Benefits &amp; Disadvantages</h2>
<p>Revolut Metal's plan in the U.S. differed from the company's in Europe and other markets. Let's review the benefits and disadvantages you should be aware of before joining Revolut.</p>
<h3>Revolut Metal Benefits</h3>
<div class="pros">
<ul>
<li>100% no-fee ATM withdrawals in Revolut's network</li>
<li>Personalized metal debit card</li>
<li>5 no-fee international transfers per month</li>
<li>Purchase protection</li>
<li>Ticket protection (get refunded up to $1k for paid plans)&nbsp;</li>
<li>Unlimited disposable virtual cards</li>
<li>4.25% APY on your savings</li>
<li>No FX fees up to $1k per month in 25+ currencies from Sunday (6:00 PM ET) through Friday (5:00 PM ET)</li>
<li>Extensive Travel Insurance</li>
</ul>
</div>
<div class="cons">
<h3>Revolut Metal Disadvantages</h3>
<ul>
<li>No cashback bonus</li>
<li>Lack of advanced financial product offered overseas</li>
<li>$16.99 monthly subscription fee</li>
</ul>
</div>
<button class="redirect external_link_button promo" value="revolutus">Open A Revolut Account</button>
<p>Revolut in the U.S. offers different plans compared to the offer in Europe. Reviewing the terms to determine which Revolut plan is the best fit for you is crucial.</p>
<p>We have been using <a href="https://p2pempire.com/en/revolut-metal-review">Revolut Metal as European clients</a> for the past three years, so our own experience with Revolut and the Metal card enhances this review.</p>
<h2>Revolut Metal Fees</h2>
<p>Revolut Metal card costs $16.99 per month or $149.99 per year. By paying for Revolut&rsquo;s Metal plan on an annual basis, you will save 28% compared to making monthly payments. While Revolut Metal offers many services at no cost to you, there are a few fees that you should be aware of.</p>
<div class="checklist-box">
<ul>
<li>3% fee for adding money with a debit card issued outside of the USA</li>
<li>Up to 2% ATM withdrawal fee for out-network withdrawals</li>
<li>Up to 2% currency exchange fee outside of FX market hours</li>
<li>$10 fee for each U.S. Domestic Wire transfer&nbsp;&nbsp;</li>
</ul>
</div>
<p>Most everyday banking services have zero fees with Revolut, making it a great app to manage your money at affordable costs.&nbsp;</p>
<p>With Revolut Metal you can enjoy five no-fee international transfers every month.</p>
<h2>Revolut Metal Card</h2>
<p>If you're looking for a card that's stylish as well as functional, then the Revolut Metal prepaid debit card is just what you need! This 18-gram stainless steel card puts the finishing touch on any outfit and ensures that your payment will be remembered. Be noticed when paying in shops with this sleek metal card.</p>
<p>The Revolut Metal card lets you pay for goods and services worldwide and withdraw cash from over 55,000 ATMs in the U.S. fee-free.</p>
<p>If you decide to use out-network ATMs, you will be charged up to 2% per withdrawal.</p>
<h2>Revolut Metal Card Design</h2>
<p>The Revolut Metal card comes in five unique designs that you can choose from.</p>
<div class="checklist-box">
<ul>
<li>Metal - Black</li>
<li>Metal - Gold</li>
<li>Metal - Space Gray</li>
<li>Metal - Rose Gold</li>
<li>Metal - Lavender</li>
</ul>
</div>
<p>As a Metal user of Revolut, you have the opportunity to personalize your card when placing an order.</p>
<p>After long-term usage of the Revolut Metal card, it's our advice to choose lighter hues like Gold, Space Gray or Lavender. This is due to the fact that stainless steel cards tend to deteriorate in appearance over a few months as its black finish chips off; so if you were planning on choosing the Revolut Black card then be aware it might not retain its luxurious look for too long!</p>
<h2>How To Apply For A Revolut Metal Card?</h2>
<p>Applying for a Revolut Metal card is simple. First, you must register your phone number and download the revolut app.</p>
<button class="redirect external_link_button promo" value="revolutus">Get Started</button>
<p>After you have downloaded the Revolut app, you have to follow these steps:</p>
<div class="tips-box">
<ol>
<li>Sign up for a Revolut account</li>
<li>Pass the KYC process</li>
<li>Top up your account</li>
<li>Go to "Hub" and click on your plan on the upper right corner</li>
<li>Click on the name of the plan in the left corner</li>
<li>Review the plan and change it to Metal (if you haven't done it yet)</li>
<li>Go to "Cards" in your Revolut app</li>
<li>Choose a physical card</li>
<li>Order your Metal Card</li>
</ol>
</div>
<p>The first Revolut Metal card is fee-free and comes with express shipping. You can expect to receive it at your address typically within three business days. If you lose your Revolut Metal card, you can order a new one at no extra cost. If you lose the replacement card, Revolut may charge you up to $70 to get a new card.</p>
<p>For those interested in the Revolut Metal card, you should strongly consider investing in an annual plan as it will provide significant savings of around 28% compared to paying monthly.</p>
<h2>Revolut Metal Card Features</h2>
<p>Revolut is the definitive financial app for those seeking added features and reliability.</p>
<p>The Revolut Metal Card comes with the following protection features for qualifying purchases:</p>
<p><strong>Purchase Protection</strong> - If your phone, tablet, or other eligible item is stolen or accidentally damaged, Revolut will reimburse you up to 90 days after the purchase.</p>
<p><strong>Refund Protection</strong> - Revolut will refund your eligible purchases for up to 90 days from the purchase.</p>
<p><strong>Ticket Protection</strong> - Revolut will refund your ticket price up to $1,000 / year if you can't attend an event.</p>
<p><strong>Unlimited FX</strong> - Revolut won't charge you exchange fees from Sunday 6PM ET to Friday 6PM ET for 25+ currencies.</p>
<p><strong>Primary Accidental Medical Insurance</strong> - Revolut's insurance partner Chubb will cover up to $10,000 for qualifying medical treatments on covered trips.</p>
<p><strong>Trip Cancelation &amp; Interruption Protection</strong> - Up to $5,000</p>
<p><strong>Trip Delay Expense Coverage</strong> - Up to $900 to cover expenses for hotels and meals</p>
<p><strong>Delayed Baggage Coverage</strong> - Up to $600 to cover clothing, toiletries, etc.</p>
<p><strong>Lost Or Damaged Baggage Protection </strong>- Up to $3,000</p>
<p><strong>Fee-Free Lounge Access With SmartDelay</strong> - For flights delayed more than 1 hour, as long as you registered the flight at least two hours before the originally scheduled departure time.</p>
<p><strong>Discounted Airport Lounge Access</strong></p>
<p>As you can see, Revolut offers a lot of perks for frequent travelers who want to make their trip hassle-free. Having discounted access to airport lounges or reliable protection when your luggage gets lost is something many travelers would appreciate.</p>
<h2>Is Revolut Metal Worth It?</h2>
<p>Whether the Revolut Metal plan is worth it or not comes down to what you need.</p>
<p>If you're looking for a secure and state-of-the-art financial&nbsp; app that offers convenient financial services, Revolut should be your go-to destination. There is no better option on the market!</p>
<p>The Revolut Metal plan's 24/7 priority support makes it well worth the investment. Even when you least expect it, this feature is handy - especially compared to other financial apps!</p>
<p>Whether Revolut Metal is worth the money for U.S. clients depends on whether you want a metal debit card. The Revolut Premium plan offers almost identical features for only $9.99 per month or $94.99 per year, which is a better value.</p>
<p>Additionally, you can test Revolut Premium for three months at no charge.</p>
<p>Are you ready to get started with Revolut?</p>
<button class="redirect external_link_button promo" value="revolutus">Apply Now</button>
<p>Your funds are held by Metropolitan Commercial Bank, an FDIC-insured institution, and are insured up to $250,000 in case Metropolitan Commercial Bank fails.</p>
<p>Please note that Revolut is frequently updating its products and features, see the Revolut Terms and Conditions for the latest offerings.</p>
<div class="tips-box">
<h3>Disclaimers</h3>
<p>The Revolut USA Prepaid Visa&reg; and Prepaid Mastercard&reg; are issued by Metropolitan Commercial Bank pursuant to a license from Visa U.S.A. Inc. for Visa cards, and Mastercard International for Mastercard cards, and may be used everywhere Visa or Mastercard are accepted. Banking services are provided by Metropolitan Commercial Bank, Member FDIC, and are subject to the terms of a Cardholder Agreement. &ldquo;Metropolitan Commercial Bank&rdquo; and &ldquo;Metropolitan&rdquo; are registered trademarks of Metropolitan Commercial Bank &copy; 2014.</p>
<p>A note from Metropolitan Commercial Bank: Funds in your Revolut Prepaid Card Account are held at an FDIC insured institution. Your funds will be held at or transferred to Metropolitan Commercial Bank, an FDIC-insured institution. While there, your funds are insured up to $250,000 by the FDIC in the event Metropolitan Commercial Bank fails if specific deposit insurance requirements are met and your card is registered. See fdic.gov/deposit/deposits/prepaid.html for details. FDIC insurance does not protect your funds in the event of Revolut&rsquo;s failure or from the risk of theft or fraud.</p>
<p>See Terms &amp; Conditions for details. Funds in your Revolut prepaid card account are held at Metropolitan Commercial Bank, Member FDIC.</p>
<p>Card issued by Metropolitan Commercial Bank (Member FDIC). Card program marketed and administered by Revolut.&nbsp;</p>
<p>Revolut Prepaid Mastercard issued by Metropolitan Commercial Bank (Member FDIC) under Mastercard International license, subject to applicable terms.</p>
<p>Annual Percentage Yield (APY) is a variable rate and subject to change. These APYs are accurate as of DATE. Monthly fees apply for Premium and Metal plans. Terms and Conditions Apply. No minimum amount required. Savings Vault services provided by Sutton Bank, Member FDIC</p>
</div>
</article>

Revolut Metal Review USA

Are you wondering whether Revolut Metal is worth it for US clients? Find out in our Revolut Metal review where we cover the pros and cons for users from the USA.

Revolut Metal Review For USA Users

Find out about the Revolut Metal card in the USA

<article>
<p>Los Angeles, a bustling metropolis with a diverse economic landscape, offers a variety of financial instruments for its residents. Among these, peer-to-peer (P2P) lending platforms and car title loans have become popular for different financial needs. While P2P lending has revolutionized personal investment and borrowing, car title loans provide a quick, albeit often costly, solution for immediate cash needs. This blog post delves into how these two seemingly different financial services can work together in the context of Los Angeles's unique financial environment.</p>
<h2>P2P Lending in Los Angeles</h2>
<p>Peer-to-peer lending platforms have gained significant traction in Los Angeles. They offer a digital marketplace where individuals can lend money to others or borrow it, bypassing traditional financial institutions. For investors, <a href="https://p2pempire.com/en/best-p2p-lending-platforms-europe">P2P platforms</a> present an opportunity to earn higher returns than traditional savings methods, with the ability to diversify their investment across various loans.</p>
<p>Borrowers find P2P platforms appealing, especially those seeking <a href="https://montanacapital.com/locations/los-angeles-14/" target="_blank" rel="noopener noreferral">personal loans for bad credit</a>. Unlike banks, P2P platforms use advanced algorithms to assess creditworthiness, often considering more than just credit scores. This inclusivity makes P2P loans a feasible option for a broader segment of Los Angeles's population, including those who might not have access to traditional banking services.</p>
<h2>The Role of Car Title Loans</h2>
<p>Car title loans, on the other hand, offer a different kind of financial service. In Los Angeles, where the car culture is ingrained in the city's DNA, title loans have become a go-to option for many seeking quick cash. Title loans allow individuals to use their vehicle as collateral for a short-term loan. The process is fast, with loans typically disbursed on the same day, making it ideal for emergencies.</p>
<p>However, title loans come with high interest rates and the risk of losing one's vehicle in case of default. They are best suited for situations where individuals need immediate cash and are confident in their ability to repay the loan quickly.</p>
<h2>Synergy Between P2P Lending and Title Loans</h2>
<p>At first glance, P2P lending and car title loans seem like opposites. However, they can work together as part of a larger financial strategy in Los Angeles. Here's how:</p>
<h3>Short-term vs. Long-term Financial Needs</h3>
<p>While P2P loans can be ideal for longer-term financial needs or consolidating debt at lower interest rates, car title loans can address immediate, short-term cash emergencies. A savvy financial planner in Los Angeles might recommend using both tools judiciously &ndash; P2P lending for planned expenses and investments and title loans for unforeseen urgent needs.</p>
<h3>Credit Building</h3>
<p>For individuals with poor credit, P2P (peer-to-peer) loans can be a viable step toward rebuilding their credit history. Regular repayments of these loans are often reported to credit bureaus, which can positively impact one's credit score. Timely payments demonstrate financial responsibility and creditworthiness, making the borrower more appealing to traditional lenders.</p>
<p>As the <a href="https://www.consumerfinance.gov/ask-cfpb/what-is-a-credit-score-en-315/" target="_blank" rel="noopener noreferral">credit score</a> improves, borrowers gain access to better interest rates and loan terms, enabling them to avoid high-cost loans like payday or title loans in the future. This can lead to a healthier financial situation, where they can leverage their improved credit for significant purchases like a home or car. Additionally, as their creditworthiness increases, they may qualify for personal loans or credit cards with more favorable conditions, further enhancing their financial stability and opportunities.</p>
<h3>Diversifying Financial Options</h3>
<p>Utilizing both P2P lending and title loans expands the financial toolkit available to Los Angeles residents. It allows them to choose the most appropriate financial solution based on their current situation, whether it's investing in a P2P loan, borrowing through one, or opting for a quick title loan.</p>
<h2>Conclusion</h2>
<p>In Los Angeles's dynamic financial landscape, <a href="https://p2pempire.com/en/best-p2p-lending-platforms-europe">P2P platforms</a> and car title loans offer complementary services catering to various financial needs and situations. While P2P lending provides a modern approach to borrowing and investing, title loans offer a quick solution for urgent cash needs. Understanding how to leverage these financial instruments effectively can empower Los Angeles residents to make informed decisions, enhancing their financial well-being. As with any financial decision, it's crucial to assess one's situation carefully and consider the risks and benefits of each option.</p>
</article>

Investing And Borrowing In Los Angeles

This article delves into the synergy between peer-to-peer (P2P) lending and car title loans in LA, explaining how they cater to different financial needs.

Investing And Borrowing In LA: P2P Lending & Title Loans

Discover the Dynamic Synergies Between P2P Lending and Car Title Loans

<article>
<p>In a time when digital technology is changing industries, the financial sector is experiencing a significant change because of the rise of lending apps. They offer unprecedented accessibility, convenience, and <a href="https://www.scnsoft.com/lending/money-lending-app-development" target="_blank" rel="noopener noreferral">effectiveness in borrowing</a>.</p>
<p>According to the most recent data, the global fintech market has reached <a href="https://www.fintechfutures.com/2024/01/global-fintech-investment-plummeted-48-in-2023/" target="_blank" rel="noopener noreferral nofollow">5.7 billion</a> in 2023, signaling the shift to online financial solutions.</p>
<p>This comprehensive guide will examine the most important aspects of making a profitable money-lending app by looking at regulatory issues, user-centric designs, safe onboarding, credit scores and customized loans.</p>
<h2>Understanding the Regulatory Landscape</h2>
<h3>Navigating Financial Regulations</h3>
<p>Before beginning the process of creating a lending app for money, it is essential to be aware and understand the intricacies of financial transactions' regulations. Compliance with domestic and global regulatory frameworks guarantees implementation reliability and builds the trust of sponsors, who are individuals or organizations investing in the app. International financial institutions irrespective of their global recognitions are also bound to follow the rules of anti-money laundering (AML) and know your customer (KYC) procedures.</p>
<h3>Compliance Measures for Lending Apps</h3>
<p>Compliance with regulations is crucial to stay ahead of the crowded tech world. Implementing robust security protocols, safeguarding the databases, and regularly updating the application to the latest versions are crucial measures to comply with latest laws. These efforts not only to protect users' data but also to protect applications from regulatory-based penalties to ensure that users are operating in a safe and secure environment.</p>
<h2>User-Centric Design and Functionality</h2>
<h3>Enhancing UX through Intuitive Interfaces</h3>
<p>The user experience (UX) is an essential element in the effectiveness of any app, and money-lending apps are not an exception. User-friendly interfaces that ease borrowing can contribute to a pleasant user experience. Clear navigation, simple call-to-action buttons, and user-friendly design elements are vital in attracting and keeping customers.</p>
<h3><br>Personalization for Seamless Navigation</h3>
<p>The secret to the ideal experience is personalization. User customization of the application's user interface encourages more involved use.</p>
<p>With its interactive features, clear dashboards, and individualized loan recommendations, the app can help users manage their finances, which ensures the user's comfort with the app's usage and boosts its standard in the app market.</p>
<h2>Secure and Seamless Onboarding</h2>
<h3>Biometric Authentication for Enhanced Security</h3>
<p>When interacting with banks, safety is essential. Users are given extra security when biometric identification techniques like fingerprint or face recognition are used. This enhances the protection for the app users and builds trust for the app in the view of users.</p>
<p>Biometric authentication system does not only provide security to their users only but it also helps app employees provide secure access to their platform.</p>
<h3>Streamlining Registration for User Convenience</h3>
<p>The simplicity of the registration process is essential. Complex and lengthy registration procedures can deter prospective users. Making registration more straightforward with simple forms and step-by-step instructions will ensure ease of use while reducing the chance of drop-offs in onboarding.</p>
<h2>Credit Scoring and Risk Assessment</h2>
<h3>Utilizing Machine Learning for Accurate Scoring</h3>
<p>Algorithms for machine learning (ML) are essential for assessing creditworthiness of a user. To improve scoring, the learning machine program analyzes the user's data, including transaction history, profit generated, and other important information. This program can make informed lending decisions since machine learning (ML) is being used to ensure accuracy in risk evaluations.</p>
<h3>Data Analytics for Informed Risk Management</h3>
<p>The application of data analytics technology enhances risk control. Early risk mitigation is possible when user behavior, market trends, and economic data are adequately monitored. Data analysis gives a fair idea of managing finances and ensuring limited risk.</p>
<h2>Customizable Loan Products</h2>
<h3>Tailoring Loan Terms to User Preferences</h3>
<p>There is no one-size-fits-all solution for financial services. Thanks to the adaptable loan conditions, customers can personalize their borrowing to meet their unique needs. If it concerns modifying the loan amount or the repayment schedule, this adaptability fosters long-lasting partnerships and raises client satisfaction.</p>
<h3>Dynamic Interest Rates for Personalized Solutions</h3>
<p>Flexible interest rates tied to economic trends personalize lending experiences, granting a unique characteristic to the process. Apps can alter the interest rate based on punctual payments or loyalty. Adjustable interest rates create options for the lenders to choose from according to their fit, establishing an advantageous relationship between the user and the app.</p>
<h2>Sum Up</h2>
<p>Ultimately, creating an app that successfully makes loans requires a thorough strategy that puts user experience first and considers regulatory issues. It offers a variety of funding options, ensures safe onboarding, and employs cutting-edge credit assessment techniques.</p>
<p>In light of the rapid evolution and expansion of the fintech industry, the money lending app can maintain its success in facilitating finance during the digital era by proactively embracing the latest technology, staying ahead of industry trends, and maintaining a strong focus on customer-centric principles.</p>
</article>

Empowering Finance: A Comprehensive Guide to Money Lending App Development

Learn about money lending apps: regulatory compliance, user-centric design, secure onboarding, credit scoring, and customizable loans

Comprehensive Guide to Money Lending App Development

Learn about the most important aspects when developing money lending apps.

<article>
<p>Financial liquidity hurdles are a familiar scenario for many small enterprises. It's a common experience for owners in this sector to occasionally grapple with the challenge of settling their bills.</p>
<p>Nonetheless, if there's a fair chance for the enterprise to navigate its present difficulties, encountering a brief period of reduced cash flow shouldn't be interpreted as an indicator of business failure.</p>
<p>It would also be imprudent to accumulate additional debts without a solid plan for meeting these new obligations. If the cash flow issue stems primarily from timing discrepancies, then devising a path through the predicament is achievable.</p>
<p>However, formulating a plan alone won't deter creditors from making contact. Without proactive measures, creditors might escalate matters by engaging collection agencies or initiating legal actions against your enterprise.</p>
<p>Below are some insights on how to adeptly manage creditor relations when your business is navigating through a period of financial tightness.</p>
<h2>Evaluate the Present Conditions</h2>
<p>The first and most important action is facing reality rather than avoiding it. While it may seem like a cash flow problem could eventually fix itself, this passive approach will not keep your creditors at bay if you fail to act.</p>
<p>It's imperative to develop a detailed daily forecast of your cash flow, incorporating all the people and entities you owe money to and those who owe you, organized by the due dates of these payments.</p>
<p>Precision is key in preventing any unforeseen financial difficulties when you are low on funds. With a comprehensive daily cash flow projection, you can pinpoint exactly when you're due to pay creditors and when the most critical cash shortages might arise.</p>
<h2>Explore Ways to Quickly Generate Cash</h2>
<p>Considering the issue's seriousness, it may be wise to look into immediate cash-generating strategies. Have you thought about selling any assets? Or perhaps offering discounts on products in a way that doesn't harm your business's financial stability?</p>
<p>Efforts to swiftly decrease cash expenditures should also be considered. This could involve cutting off any non-essential subscriptions and agreements. If push comes to shove, reducing employee hours or proceeding with layoffs might need to be contemplated.</p>
<p>If your enterprise demonstrated solid performance before the onset of this financial difficulty, securing a short-term loan could <a href="https://www.imf.org/en/Blogs/Articles/2012/08/03/bridging-the-gap-how-official-financing-can-ease-the-pain-of-adjustment" target="_blank" rel="noopener noreferral">help bridge the financial gap</a>. Selling outstanding sales invoices to a factoring company presents another avenue for quicker accounts receivable conversion into cash. Yet, obtaining further financing would hinge on proving your business's ongoing viability. Options like <a href="https://www.mycanadapayday.com/articles/weekend-payday-loans.html" target="_blank" rel="noreferral noopener">weekend payday loans</a> provide a quick and easy way to access additional funds in a time of need.</p>
<h2>Streamlining Invoicing</h2>
<p>Streamlining your invoicing procedures can greatly lower the chances of receiving late payments. Send out precise, straightforward, and prompt invoices to decrease the likelihood of disagreements and foster timely payments. Be sure to specify exact payment terms, deadlines, and clear guidelines for payment.</p>
<p>Most accountants suggest adopting electronic invoicing and providing a variety of payment methods to simplify the payment process for your clients.</p>
<h2>Review Your Daily Cash Balance</h2>
<p>Having a clear understanding of your financial situation allows you to proceed more confidently.</p>
<p>The emphasis now shifts to daily management of your bank account's cash balance. This entails monitoring incoming payments, verifying the clearance of cheques, and, according to your payment plan, identifying which creditors can be paid in line with the commitments you've agreed upon.</p>
<p>After issuing a payment, continue to step three and ensure to communicate. Make a phone call to inform them that their payment is being processed. Keeping an open line of communication is crucial. If your financial stability is further declining, seeking external professional advice and assistance is critical.</p>
<h2>Final Takeaway</h2>
<p>Navigating through a cash flow crisis demands patience, resilience, and the readiness to make tough choices. By adopting a structured plan and maintaining discipline, you can successfully overcome the challenges and come out more robust afterward.</p>
</article>

How to Manage Creditors During a Cash Flow Shortage

Learn how to manage creditors as a business through cash-generating activities and streamlining of invoicing procedures.

Learn how to manage creditors as a business

<article>
<p>The financial and trading industries have increasingly relied on referral programs as a key strategy for growth. Trading platforms have recognized that these initiatives provide a unique opportunity to expand their user base while simultaneously rewarding participants.</p>
<p>By understanding how referral programs contribute to a broker&rsquo;s expansion and why affiliates play a pivotal role, we can uncover the long-term benefits for all parties involved.</p>
<h2>How Referral Programs Drive Growth for Brokers</h2>
<p>The idea behind trading referral programs is simple but powerful: platforms reward current users or partners who introduce new traders. This strategy is especially helpful in the cutthroat arena of internet trading, where gaining new clients may be difficult.</p>
<p><a href="https://www.law.cornell.edu/wex/broker" target="_blank" rel="noopener noreferral">Brokers</a> profit from their partners' networks and trust to get new users instead of depending just on conventional advertising. They assist trading platforms in reaching specialized markets that traditional marketing strategies may not be able to successfully approach.</p>
<h2>The Role of Affiliates in Expanding Trading Platforms</h2>
<p><a href="https://www.marketingexplainers.com/affiliate-marketing" target="_blank" rel="noopener noreferral">Affiliates</a> have become indispensable for brokers because they operate with performance-based incentives, ensuring a mutually beneficial relationship.</p>
<p>As brokers grow, so do the earnings of their companions, creating a win-win scenario. Brokers often provide them with comprehensive marketing tools, including but not limited to personalized referral links, landing pages, and tracking systems.&nbsp;</p>
<p>This makes it easier to promote platforms and measure performance. A standout example is the <a href="https://www.binaryoptions.com/broker/quotex/quotex-affiliate-program/" target="_blank" rel="noopener noreferral">Quotex referral program</a>, where affiliates can earn up to 80% of the broker&rsquo;s profits or up to 5% of trading volume generated by referred traders.</p>
<p>This impressive commission structure shows why brokers prioritize affiliative initiatives: they bring in substantial new business while earning attractive rewards for both parties. Such initiatives also have proven successful in broadening platforms' reach across multiple regions.</p>
<p><img class="lazy" src="https://p2pgallery.s3.eu-central-1.amazonaws.com/EN/referal-prgoram-trading.webp" border="0" alt="referal program trading" loading="lazy"></p>
<h2>How Do Referral Programs Benefit Trading Platforms?</h2>
<p>The benefits of referral programs for brokers extend far beyond increased user acquisition. Here are some ways these programs positively impact trading platforms:</p>
<div class="pros">
<ul>
<li>Referral programs allow brokers to minimize advertising costs by incentivizing affiliates, who promote the platform at a fraction of the cost of traditional marketing campaigns.</li>
<li>Companions often have established credibility within their communities, making it easier for them to attract new traders through recommendations.</li>
<li>New traders referred by affiliates are often more engaged, leading to higher retention rates compared to users acquired through cold outreach.</li>
<li>Referral programs can be scaled globally, helping platforms penetrate new markets through localized affiliate strategies.</li>
</ul>
</div>
<h2>Maximization of the Effectiveness of Referral Programs</h2>
<p>To make the most of referral programs, brokers need to implement structures that incentivize long-term engagement. This can be achieved through a combination of competitive commission rates, tailored marketing materials, and ongoing support for affiliates.</p>
<p>A successful example of this is shown in the table below:</p>
<table class="comparison2">
<tbody>
<tr>
<th>Feature</th>
<th>Details</th>
</tr>
<tr>
<td><strong>Commission</strong></td>
<td>Revenue share or volume-based share models</td>
</tr>
<tr>
<td><strong>Payout Frequency</strong></td>
<td>Weekly payouts ensure timely rewards for affiliate efforts</td>
</tr>
<tr>
<td><strong>Support System</strong></td>
<td>Dedicated affiliate managers, email support, and promo materials</td>
</tr>
<tr>
<td><strong>Global Reach</strong></td>
<td>Availability in numerous countries around the world</td>
</tr>
<tr>
<td><strong>Withdrawal Methods</strong></td>
<td>Cryptocurrencies, bank transfers, and more</td>
</tr>
</tbody>
</table>
<h2>Why Are Referral Programs So Attractive to Affiliates?</h2>
<p>For a number of reasons, including the great earning potential and freedom these programs provide, affiliates find attraction in them. Whether they operate specialized trading blogs or have big followings on social media, by recommending new traders to brokers they may generate consistent income.</p>
<p>Two elements usually define success in affiliate marketing: choosing the correct audience and using sensible advertising techniques. These are some doable actions affiliates should do to take full advantage of their opportunities:</p>
<div class="checklist-box">
<ul>
<li>Focus on people already interested in financial markets and trading.</li>
<li>Use blogs, YouTube, social media, and email marketing to promote referral links.</li>
<li>Offer value by educating potential traders on the benefits of joining a particular platform.</li>
<li>Regularly monitor the effectiveness of different campaigns and adjust strategies to optimize performance.</li>
</ul>
</div>
<p>Brokers, in turn, benefit from the creativity and innovation affiliates bring to marketing efforts. They can offer content that resonates more with potential traders, increasing conversion rates and ensuring sustainable growth for trading platforms.</p>
<p><img class="lazy" src="https://p2pgallery.s3.eu-central-1.amazonaws.com/EN/trading-referal-benefits.webp" border="0" alt="trading referal benefits" loading="lazy"></p>
<h2>Wrapping Up</h2>
<p>Affiliate programs have become a cornerstone of broker growth strategies because they provide cost-effective, trust-based user acquisition. By partnering with affiliates, brokers can tap into new markets, improve user retention, and grow exponentially. Affiliates, on the other hand, enjoy the flexibility and earning potential that comes with these partnerships.</p>
</article>

The Impact of Referral Programs on Broker Growth

Discover how trading platforms leverage referral programs to expand globally, reduce costs, and boost user retention. Learn why affiliates play a vital role in sustainable growth.

How Referral Programs Fuel Growth for Trading Platforms

Why Trading Platforms Prioritize Affiliates

<article>
<p>Peer-to-peer (P2P) lending has become a popular way for people to lend and borrow money directly, without traditional banks. The global P2P lending market was valued at <a href="https://www.grandviewresearch.com/industry-analysis/peer-to-peer-lending-market-report" target="_blank" rel="noopener noreferral">$5.07 billion in 2022</a> and is projected to grow at a compound annual growth rate (CAGR) of 20.2% to 2030.</p>
<p>"This growth shows that P2P lending becomes more and more attractive for individuals and small businesses due to its increasing accessibility, says Latoria Williams, the CEO of <a href="https://1firstcashadvance.org/" target="_blank" rel="noopener noreferral">1F Cash Advance</a>. But, like any investment, it comes with risks, especially when you are dealing with high-risk borrowers." Therefore, you should understand these risks when considering it as an investment option. Let&rsquo;s delve deeper.</p>
<h2>What are Peer to Peer Lending Risks?</h2>
<p>P2P lending connects borrowers and lenders through online platforms, cutting out traditional financial institutions. While this setup offers benefits, such as higher returns for investors and easier access to funds for borrowers, it also introduces several risks:</p>
<div class="checklist-box">
<ul>
<li><strong>Default risk:</strong>&nbsp;Borrowers might fail to repay their loans, leading to potential losses for investors. &nbsp;</li>
<li><strong>Platform risk:</strong> The P2P platform could face financial issues or even shut down, affecting your investments. &nbsp;</li>
<li><strong>Regulatory risk:</strong> Such lending is relatively new, which results in the lack of regulation and potential changes. &nbsp;</li>
<li><strong>Liquidity risk:</strong> Unlike stocks or bonds, P2P loans aren't easily sold or transferred, making it harder to access your money quickly. &nbsp;</li>
</ul>
</div>
<h2>How High-Risk Borrowers Impact Your Investment Returns</h2>
<p>High-risk borrowers are individuals with low credit scores or unstable financial histories. Investing in loans to these borrowers can result in higher default rates, as they are more likely to miss payments or default entirely, leading to direct losses.</p>
<p>Additionally, such investments come with increased volatility, as returns may fluctuate due to the unpredictable nature of high-risk loans.</p>
<p>However, there is also the potential for higher returns, as some platforms offer higher interest rates to compensate for the increased risk. Despite this opportunity, the likelihood of default remains a significant problem.</p>
<h2>Default Rates and Their Effect on P2P Lending Performance</h2>
<p>Default rates are a key factor in P2P lending performance. For example, such loans have an average <a href="https://www.researchgate.net/figure/Comparison-of-the-level-of-default-rates-on-P2P-loans-and-delinquency-rates-on-loans-at_fig2_374723469" target="_blank" rel="noopener noreferral">default rate of 17.3%</a>, significantly higher than traditional loans, with an average delinquency rate of 2.78%. High default rates can erode potential profits and even lead to negative returns. It's essential to consider these rates when evaluating P2P opportunities.</p>
<h2>Risk Assessment in Peer-to-Peer Lending Platforms</h2>
<p>P2P platforms assess borrower risk using various methods:</p>
<div class="checklist-box">
<ul>
<li><strong>Credit score:</strong> Evaluate credit histories to determine the likelihood of repayment. &nbsp;</li>
<li><strong>Income verification:</strong> Ensure borrowers have a stable income to fulfill their loan repayment obligations. &nbsp;</li>
<li><strong>Debt-to-income ratio analysis:</strong> Assess how much debt a borrower has relative to their income. &nbsp;</li>
</ul>
</div>
<h2>Strategies to Mitigate Risks in P2P Investments</h2>
<p>To reduce risks in P2P lending, you can implement a few practical strategies:</p>
<div class="checklist-box">
<ul>
<li><strong>Diversify your portfolio:</strong> Spread your investments across multiple loans and borrower types to minimize the impact of any single default. &nbsp;</li>
<li><strong>Invest in lower-risk loans:</strong> Focus on borrowers with higher credit scores and stable financial backgrounds. &nbsp;<br>Use reputable platforms: Choose platforms with a strong track record and transparent operations. &nbsp;</li>
<li><strong>Stay informed:</strong> Review your investments regularly and stay updated on any changes in the platform's policies or regulatory environment. &nbsp;</li>
</ul>
</div>
<h2>Is It Worth for Investors?</h2>
<p>P2P lending offers the potential for higher returns compared to traditional investments. Many peer-to-peer loans yield 5-9% net returns per year, with some <a href="https://www.sciencedirect.com/science/article/pii/S1042443123000690" target="_blank" rel="noopener noreferral">investors reporting annual returns</a> that exceed 10%.</p>
<p>However, these returns come with increased risks, higher default rates, and less liquidity. Investors must weigh the potential rewards against these risks to determine if P2P aligns with their financial goals and risk tolerance.</p>
<h2>Is Peer-to-Peer Lending a Good Investment for Different Risk Profiles?</h2>
<p>Peer-to-peer lending is not a one-size-fits-all investment. Your risk tolerance is key in determining if and how you should participate.</p>
<h3>Conservative Investors</h3>
<p>If you prioritize stability and lower risk, P2P lending may not be the best fit. Traditional investments, such as bonds or savings accounts, offer more security. Since P2P lending carries a higher default risk, conservative investors may find it too volatile.</p>
<h3>Moderate Investors</h3>
<p>Those with a balanced approach to risk might consider allocating a small portion of their portfolio to P2P lending. To manage risk effectively, they can focus on loans with lower default probabilities, such as those given to borrowers with strong credit histories. Diversification across multiple loans can also reduce exposure.</p>
<h3>Aggressive Investors</h3>
<p>Investors comfortable with higher risk may find P2P lending attractive due to its potential for high returns. They can fund riskier loans, which offer higher interest rates but have a decreased chance of borrower default. However, it&rsquo;s crucial to be prepared for potential losses and to diversify investments to mitigate risks.</p>
<h2>Bottom Line</h2>
<p>P2P lending has transformed the borrowing landscape. It offers opportunities for both investors and borrowers. However, it's essential to understand the associated risks, especially when dealing with high-risk borrowers. When you assess these risks and implement mitigation strategies, you can make informed decisions and benefit from this evolving financial model.</p>
</article>

What are P2P Lending Risks

Discover the risks of P2P lending, how high-risk borrowers impact returns, and strategies to protect your investments in this evolving financial landscape.

What are P2P Lending Risks & How High-Risk Borrowers Affect Your P2P Investment Returns

How High-Risk Borrowers Affect Your P2P Investment Returns

<article>
<p>The problem of not being able to manage debt is very common. American families have different types of debt, including credit cards, mortgages, and personal loans. According to <a href="https://asapfinance.org/" target="_blank" rel="noopener noreferral">ASAP Finance</a>, a platform that offers fast cash loans, most borrowers struggle to repay their loans on time and often renew or extend them.</p>
<p>This cycle frequently occurs due to a lack of a well-structured repayment plan.</p>
<p>Some believe paying only the minimum amount is enough to avoid serious problems. Others are completely frivolous about payments. And when there is no plan, unexpected expenses can force people to take out more loans and get into a cycle.</p>
<p>We identify seven common financial mistakes people make with debt, how they cause financial problems, and how they can be solved.</p>
<h2>Ignoring Credit Reports and Scores</h2>
<p>One of the most overlooked mistakes in managing debt is ignoring your credit report and score. Many people don&rsquo;t check their credit regularly because they assume everything is fine or fear seeing bad news.</p>
<p>But not knowing what's on your report can lead to bigger problems&mdash;like unnoticed errors, identity theft, or missed opportunities to improve your score.&nbsp;</p>
<p>Your credit report shows your history of borrowing and repayment. It includes details on credit cards, loans, payment history, and current balances. Lenders use this information to decide whether to approve your applications and what interest rate to offer.&nbsp;</p>
<p>Your credit score is based on that report&mdash;usually 300 to 850. Mistakes on credit reports are more common than many think. A 2021&nbsp;<a href="https://www.ftc.gov/news-events/news/press-releases/2013/02/ftc-study-five-percent-consumers-had-errors-their-credit-reports-could-result-less-favorable-terms" target="_blank" rel="noopener noreferral">Federal Trade Commission (FTC)</a> study found that about 1 in 5 consumers had an error on at least one of their credit reports.</p>
<p>These errors could lower your score, making borrowing harder or more expensive. You can request a free credit report every year from AnnualCreditReport.com&mdash;the only government-authorized source. In response to the pandemic, the three major credit bureaus&mdash;Equifax, Experian, and TransUnion&mdash;are still offering free weekly reports through at least the end of 2024.&nbsp;</p>
<p>Regularly checking your credit allows you to dispute incorrect information, track your debt payoff progress, see how actions like missed payments or high balances affect your score, and prepare for future financial goals like applying for a mortgage or car loan. Understanding your credit profile gives you control. Without it, you&rsquo;re making financial decisions in the dark.</p>
<h2>Over-Reliance on High-Interest Loans</h2>
<p>Certain instant loans with APRs above 300% attract individuals who need money quickly. They may include credit card cash advances, store credit cards with introductory offers, and small payday loans.</p>
<p>Although they offer fast approval, borrowers might pay more interest if they do not budget carefully. A big problem occurs when people use high-interest loans to pay everyday expenses. Many families&nbsp;<a href="https://www.urban.org/urban-wire/many-families-are-taking-debt-pay-groceries" target="_blank" rel="noopener noreferral">borrow to pay for groceries</a> and utilities, hoping to pay off the balance soon. The interest accumulates when they can&rsquo;t pay off the monthly balance, causing their bills to rise.</p>
<p>People who take out one high-interest product to pay off another might be stuck in a never-ending cycle of repayments.&nbsp;</p>
<p>They move debt from one lender to another. Such cases often result in lower credit scores because late payments are reported to credit bureaus, which makes it harder to get favorable terms in the future.</p>
<h2>No Clarity on How to Pay Off Debt</h2>
<p>Having no clear plan for paying off debt results in confusion and increased costs. You may miss due dates if you don&rsquo;t know the exact balances, interest rates, and payment schedules.</p>
<p>A lack of clarity can come from not understanding the total amount owed. For instance, you might have a low-interest mortgage and a high balance on a credit card. If you only make the minimum monthly payment on the high-interest card, you will continue to pay interest charges for many years. Complications arise when interest rates vary.&nbsp;</p>
<p>You might have two or three credit cards at different rates. You might waste money if they don&rsquo;t set a purpose of paying extra on the highest interest account. The solution is to organize debts on paper, a spreadsheet, or with the help of budgeting apps like Mint, YNAB (You Need a Budget), or Undebt.it.</p>
<p>These tools let you list each debt with its balance, interest rate, and minimum payment, helping you prioritize repayment&mdash;especially on accounts with the highest interest.&nbsp;</p>
<p>For example, by using Undebt.it, you can compare payoff strategies and visually track progress, making it easier to stay focused and save money over time. Create a plan and follow it to make the process transparent.&nbsp;</p>
<p>Track how much you pay each month, how many months remain, and what to focus on if funds are limited. Without a plan, you might get frustrated by the slow progress, and late or missed payments can reduce a credit score and cause penalty fees.</p>
<h2>No Created Emergency Fund</h2>
<p>An emergency fund is money set aside for unplanned expenses. It&rsquo;s recommended that a person hold at least 3-6 months&rsquo; worth of living costs in a separate account.</p>
<p>Such a reserve covers job loss,&nbsp;<a href="https://www.wolterskluwer.com/en/solutions/lippincott-medicine/lippincott-medical-procedures" target="_blank" rel="noopener noreferral">medical procedures</a>, and urgent utilities or repairs. It may be challenging to start an emergency fund, especially if you already have a debt. It&rsquo;s wise to pay down existing obligations, but having no savings can cause bigger problems.</p>
<p>Many Americans do not have enough cash to handle a $1,000 emergency and might use expensive credit sources. Well, start small. Saving even $20 or $50 per pay period is better than nothing.&nbsp;</p>
<p>Place these funds in a high-yield savings account to grow them. Almost any sudden cost, such as a broken water heater, can destabilize a budget without an emergency fund. Covering these expenses may require a credit card or payday loan, adding another layer of debt, so it's best to start creating your emergency fund now.</p>
<h2>No Budget Keeping During Paying Off Debts</h2>
<p>A budget is your income and expenses. When people don&rsquo;t keep a budget but repay debts, they often lose track of how much money is available.</p>
<p>Budgeting does not have to be complicated. Use mobile apps or spreadsheets to record each source of income and monthly expenses. Whatever remains could go toward extra debt payments.&nbsp;</p>
<p>Without a budget, it is impossible to see everyday habits. You should understand each loan&rsquo;s minimum payment and the interest rate. If you hope that 12 months is enough when paying off debts, you should set aside enough cash each month to do so.&nbsp;</p>
<p>Without a budget, it is guesswork. Some months, you might pay too little. In other months, you might forget a payment. The inconsistency raises the overall cost of borrowing.&nbsp;</p>
<p>Budgeting shows wasteful spending. Tracking daily expenses helps to see if you are spending more than you realized on digital subscriptions or dining out. You can redirect money toward loan balances once you see these habits. If you avoid budgeting, you risk paying more because monthly payments do not attack the principal effectively.</p>
<h2>Lack of Professional Guidance</h2>
<p>Some people believe they should manage all financial matters alone or hesitate to consult an accountant because they feel embarrassed about their financial situation.</p>
<p>Online resources can help, but a professional can offer personalized advice and personal solutions. Professional guidance is not limited to regular planners; the&nbsp;<a href="https://www.nfcc.org/" target="_blank" rel="noopener noreferral">National Foundation for Credit Counseling</a> can help people create repayment plans, negotiate with creditors, and manage their financial habits.</p>
<p>Thanks to government grants or donor support, they charge very low or no fees. Without professional help, borrowers rely on guesswork. They shuffle debt around and attempt DIY solutions that don&rsquo;t address the root cause.</p>
<p>An expert can review a person&rsquo;s credit card statements, find ways to reduce interest, and suggest programs that lower monthly payments. People who never seek expert advice might remain stuck in long-term debt.</p>
<p>Excessive interest payments continue month after month, and their credit scores suffer due to late or missed payments. Without professional support, stabilizing finances and freeing up money might take longer.</p>
<h2>Overlooking Long-Term Consequences</h2>
<p>Short-term thinking about debt often causes serious problems later. If you take out multiple loans or use credit cards without acknowledging future responsibilities, you might not have enough left to fund important goals.</p>
<p>Some overlook how a growing debt balance can affect them and tell themselves they will figure it out later.&nbsp;</p>
<p>However, many lenders and creditors measure risk by evaluating credit history over years, not months. If a borrower frequently maxes out cards or is late on payments, it can harm their credit report.&nbsp;</p>
<p>Even if they eventually pay the debt, these marks can stay on a report for seven years or more.&nbsp;</p>
<p>In many cases, ignoring the long-term consequences will result in a worse credit history, making you appear risky to borrowers.</p>
<p>A bad credit score causes higher interest rates on mortgages, car loans, and other financing. It can influence decisions about insurance rates, rental agreements, and job applications in certain industries where credit checks matter.</p>
<p>Saving for retirement or a home might become more challenging if debt repayment consumes disposable income.&nbsp;</p>
<p>People who don&rsquo;t plan for the future are also at risk of not having any financial security when they retire. By ignoring long-term impacts, borrowers can lose out on more favorable loan products or credit lines in the future.</p>
<p>Debt collectors may file lawsuits if large balances remain unpaid for too long, and even if someone eventually climbs out of debt, their credit record may still carry negative marks.</p>
</article>

7 Top Debt Mistakes To Avoid 

Avoid common debt mistakes with smart money management. Learn to steer clear of high-interest loans and poor budgeting. Take control of your finances today.

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