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Something like a Travelex Travel Money Card.
https://www.travelex.co.uk/travel-money-card/
Preload currency onto it, use as a debit card abroad.
Obviously you'll be paying FX fees when you load it, and only use it when it is cheaper than using a zero FX fee sterling debit card, e.g. Monzo
chez_jay
Emyr
It would be convenient for me to add Dollar and Euro denominated accounts to my existing current account.
My bank (HSBC) allows this, but only as currency holding accounts - I can transfer money in and out of them, but I can't use them in the same way that I can use my current account, i.e. to pay for something using a debit card.
This makes the foreign currency account almost (but not totally) useless.
Anyone know of a bank that would meet my requirements here, or have a different route to achieving what I want? (Which is to be able to pay for stuff without getting hit with constantly variable FX charges, when in Europe and the US).