The Currensea card allows you to spend money abroad from your own bank account using a perfect exchange rate with no top ups.
You'll get £10 for getting it too and you can take £200 a month from ATMs for free.
To get the £10 use this link
I’m making great savings with Currensea, the card for people who travel. It’s free to sign up and you’ll get £10 back after you spend £100 in foreign currency, either online or when you travel 💳 Just enter my code RBKI14 when you sign up or just use the link www.currensea.com/refer-a-friend?utm_source=refer-a-friend&friend-referral-code=RBKI14
or code RBK14, and spend your first £100 abroad within six months. You'll get a referral code to earn £10 from others too.