Revolut’s mobile foreign exchange makes travel money a thing of memory – together with the fees that accompany it. The free (for now) service offers foreign currency exchange at the interbank rate, combining a card + app available across 23 currencies. The Revolut app also has a host of applications for those sending money overseas. As of January 2016, 81,000 users across 150 countries had transacted $182m, saving approximately $15m between them. Revolut also topped Which? Magazine’s chart for the best FX rates.