Winner: Instarem

No money, no problem: Instarem promises you’ll never be left high and dry overseas. The digital transfer provider offers a fast, secure, and user-friendly way to send and receive money internationally, completing transfers in just one or two business days. What’s more, its multi-currency card lets you connect to your Mastercard or Google Pay for better exchange rates, convenient access to cash in your pocket, and more.

Instarem is licensed and regulated in 11 countries across Asia, Europe, and the United States, allowing travellers to dine, shop, and sightsee in style without running out of cash.