Ok so you fall into this group
Just to pick up on the Revolut FX rates, the feedback here (& in the subsequent posts) is that sometimes you end up with a better rate from them & sometimes you get a better rate from Monzo…
Since you won’t know which rate will be better ahead of time (the FX market could move against you after all - & most FX traders get this wrong), I’m not sure how much benefit the Revolut account in a foreign currency is really giving you as a traveller?