I found this app on IOS and android. Here is the site https://revolut.com/. You put money on the card through your debit card, and you have a true chip and pin card. You can exchange money for no extra fee, you can also have multiple currency's on the card. You can draw money from an ATM, or buy what you need with the card. Of course I have no vested interest in this card it is something I am contemplating using on my next international trip.