Resources

Zabeler tools

The tools real digital nomads use, scored.

Banks, eSIMs, insurance, coworkings, tax and travel. Every tool with its Zabel Score, best part, catch and who it fits.

24 available · 4 scoring pillars

Your tool kit, matched to the kind of nomad you areFour ready-made combinations for starting out, working, saving or travelling long term.

Notion

Free / from $10/mo

8.9
Work & productivityZabel pick

Workspace for organising notes, projects, documents and databases.

Nomad tolerance10
Value for money9
Ease & mobile app8
Support & fine print8
Best part
Your whole life and work in one place, works anywhere.
The catch
Sluggish on weak connections.
Best for
Organising projects, trips and finances.
Visit site

Google Flights

Free

8.9
Travel & staysZabel pick

Flight search with price calendars, alerts and a destination map.

Nomad tolerance10
Value for money9
Ease & mobile app9
Support & fine print7
Best part
Super fast price calendar and destination map.
The catch
Misses some low-cost airlines.
Best for
Comparing flexible dates.
Visit site

Wise

Free + FX fee

8.8
Money & bankingZabel pick

Multi-currency account for receiving, converting and sending money internationally.

Nomad tolerance9
Value for money9
Ease & mobile app9
Support & fine print8
Best part
Real exchange rate and local accounts in EUR, USD, GBP and more.
The catch
Not a full bank: no credit and limited interest depending on country.
Best for
Getting paid by international clients.
Visit site

World Time Buddy

Free / cheap Pro

8.8
Work & productivityZabel pick

Time-zone comparison tool for coordinating international meetings.

Nomad tolerance10
Value for money10
Ease & mobile app7
Support & fine print7
Best part
Schedule across time zones in seconds.
The catch
Dated interface.
Best for
Anyone with clients on another continent.
Visit site

Skyscanner

Free

8.7
Travel & staysZabel pick

Flight, hotel and car-rental metasearch with flexible dates.

Nomad tolerance10
Value for money9
Ease & mobile app9
Support & fine print6
Best part
Search to “everywhere” and price alerts.
The catch
Some agencies it lists have poor service.
Best for
Finding your next cheap destination.
Visit site

NordVPN

From ~€3.50/mo (annual)

8.5
Connectivity & eSIMStrong choice

Virtual private network for protecting connections and browsing from other countries.

Nomad tolerance9
Value for money8
Ease & mobile app9
Support & fine print8
Best part
Safe public wifi and access to your bank without IP alerts.
The catch
Renewal price is much higher.
Best for
Working from cafés and coworkings.
Visit site

Slack

Free / from $7.25/mo

8.5
Work & productivityStrong choice

Messaging and collaboration for remote teams and asynchronous work.

Nomad tolerance10
Value for money7
Ease & mobile app9
Support & fine print8
Best part
The standard for async remote teams.
The catch
Free plan hides history older than 90 days.
Best for
Teams across time zones.
Visit site

Airalo

From ~$4 per pack

8.3
Connectivity & eSIMStrong choice

eSIM marketplace for getting connected on arrival in over 200 countries.

Nomad tolerance9
Value for money8
Ease & mobile app9
Support & fine print7
Best part
eSIMs in 200+ countries, active in minutes.
The catch
Mostly data-only; pricey on big packs.
Best for
Landing with data, no shop needed.
Visit site

Genki

From ~€50/mo

8.3
Health & insuranceStrong choice

Subscription-based international health insurance built for life on the road.

Nomad tolerance9
Value for money8
Ease & mobile app8
Support & fine print8
Best part
No deductible on many covers, built for nomads.
The catch
Age and residence limits by plan.
Best for
Solid medical cover at a fair price.
Visit site

Booking.com

Free for travellers

8.3
Travel & staysStrong choice

Global platform for booking hotels, apartments and other accommodation.

Nomad tolerance9
Value for money8
Ease & mobile app9
Support & fine print7
Best part
Free cancellation and Genius discounts.
The catch
Fewer long-stay options than Airbnb.
Best for
Short, flexible stays.
Visit site

SafetyWing

From ~$56 / 4 weeks

8.2
Health & insuranceStrong choice

Flexible international health insurance designed for nomads and long trips.

Nomad tolerance10
Value for money8
Ease & mobile app8
Support & fine print6
Best part
Buy while already abroad, renew monthly.
The catch
Basic coverage with deductible; slow claims.
Best for
First nomad year on a budget.
Visit site

Saily

From ~$4 per pack

8.1
Connectivity & eSIMStrong choice

Simple, affordable travel eSIM created by the NordVPN team.

Nomad tolerance9
Value for money8
Ease & mobile app8
Support & fine print7
Best part
Tight pricing with built-in security features.
The catch
Slightly less coverage than Airalo in remote spots.
Best for
Cheaper Airalo alternative.
Visit site

Deel

Free for contractors

8.1
Tax & legalStrong choice

Platform for contracts, payroll and payments for international teams.

Nomad tolerance9
Value for money8
Ease & mobile app8
Support & fine print7
Best part
Compliant international contracts and multi-currency payouts.
The catch
Depends on your client using it.
Best for
Remote workers for foreign companies.
Visit site

Xolo

From ~€79/mo

8.0
Tax & legalStrong choice

Service for creating and managing a digital business and its invoicing in Europe.

Nomad tolerance9
Value for money7
Ease & mobile app8
Support & fine print8
Best part
Estonian company fully online (e-Residency).
The catch
Doesn't remove tax duties where you live.
Best for
Freelancers with EU clients.
Visit site

Heymondo

Per trip

7.9
Health & insuranceWorth a look

Travel insurance with assistance and medical consultations through an app.

Nomad tolerance7
Value for money8
Ease & mobile app9
Support & fine print8
Best part
App with 24/7 doctor chat and Spanish support.
The catch
Built for trips with a return date, not indefinite nomading.
Best for
Long trips with an end date.
Visit site

Flatio

No deposit on many flats

7.9
Travel & staysWorth a look

Furnished home rentals for stays from one to twelve months.

Nomad tolerance9
Value for money8
Ease & mobile app7
Support & fine print7
Best part
1–12 month rentals, no deposit, with contract.
The catch
Mostly Europe-focused.
Best for
Mid-term stays with proper paperwork.
Visit site

Revolut

Free / from €3.99/mo

7.8
Money & bankingWorth a look

Digital account for spending, exchanging currencies and managing money from your phone.

Nomad tolerance8
Value for money8
Ease & mobile app9
Support & fine print6
Best part
Excellent app, virtual cards and daily spending in 150+ currencies.
The catch
Weekend FX markups and slow support if the account gets frozen.
Best for
Everyday spending on the road.
Visit site

Croissant

From ~$29/mo

7.8
Work & productivityWorth a look

Subscription providing flexible access to an international coworking network.

Nomad tolerance9
Value for money7
Ease & mobile app8
Support & fine print7
Best part
One pass for hundreds of coworkings across cities.
The catch
Patchy coverage outside the US and major capitals.
Best for
Moving often and still having a desk.
Visit site

Holafly

Unlimited data from ~€19 / 5 days

7.5
Connectivity & eSIMWorth a look

Travel eSIM focused on unlimited data plans by destination.

Nomad tolerance9
Value for money6
Ease & mobile app8
Support & fine print7
Best part
Unlimited data, no counting gigs.
The catch
Throttling after heavy use and costly for long stays.
Best for
Short trips with heavy data use.
Visit site

Cigna Global

From ~€150/mo

7.5
Health & insuranceWorth a look

Comprehensive international private health insurance for expats.

Nomad tolerance9
Value for money6
Ease & mobile app7
Support & fine print8
Best part
Comprehensive international cover, including chronic care.
The catch
Expensive; long onboarding.
Best for
Long-term nomads or families.
Visit site

Airbnb

Fee included in price

7.5
Travel & staysWorth a look

Marketplace for private accommodation, from short trips to monthly stays.

Nomad tolerance9
Value for money6
Ease & mobile app9
Support & fine print6
Best part
Monthly discounts and flats with kitchen and desk.
The catch
Inflated prices in nomad hubs, wifi not guaranteed.
Best for
First month in a new city.
Visit site

N26

Free / from €4.90/mo

7.0
Money & bankingWorth a look

European mobile bank with an IBAN, card and everyday money management in its app.

Nomad tolerance6
Value for money8
Ease & mobile app8
Support & fine print6
Best part
European IBAN, clean app and no fees in euros.
The catch
Requires residence in a supported country; may close non-resident accounts.
Best for
EU residents travelling part-time.
Visit site

Taxfix

Per return

6.9
Tax & legalWorth a look

Guided app for preparing and filing personal tax returns.

Nomad tolerance5
Value for money8
Ease & mobile app8
Support & fine print7
Best part
File your tax return from your phone.
The catch
Only in some countries (Germany, Spain, Italy).
Best for
Those keeping tax residence there.
Visit site

Payoneer

Receiving and withdrawal fees

6.6
Money & bankingWorth a look

Payment platform for getting paid by international clients and marketplaces.

Nomad tolerance8
Value for money6
Ease & mobile app6
Support & fine print6
Best part
Integrated with Upwork, Fiverr and marketplaces.
The catch
High fees and weak exchange rates.
Best for
Marketplace freelancers.
Visit site

Head to head

The most searched duels, with a verdict.

Wise 8.8vs7.8 Revolut

Zabel verdict: Wise to get paid and move money across currencies; Revolut for daily spending. Best: both.

Airalo 8.3vs7.5 Holafly

Zabel verdict: Airalo if you track your data on long trips; Holafly for short, data-heavy trips.

SafetyWing 8.2vs8.3 Genki

Zabel verdict: SafetyWing is cheaper and easier to start; Genki covers more with no deductible.

Airbnb 7.5vs7.9 Flatio

Zabel verdict: Airbnb has more global supply; Flatio wins mid-term in Europe with no deposit.

Compare two tools

Wise 8.8
Nomad tolerance9
Value for money9
Ease & mobile app9
Support & fine print8

Best for: Getting paid by international clients.

The catch: Not a full bank: no credit and limited interest depending on country.

Revolut 7.8
Nomad tolerance8
Value for money8
Ease & mobile app9
Support & fine print6

Best for: Everyday spending on the road.

The catch: Weekend FX markups and slow support if the account gets frozen.

Kits by profile

Pick your lifestyle, get the combo.

01

First-trip kit

The bare minimum to leave with peace of mind.

WiseAiraloSafetyWingNotion
02

Global freelancer kit

Get paid, invoice properly and have a desk anywhere.

WiseDeelXoloCroissantNordVPN
03

Lean & cheap kit

Spend little without giving up safety.

RevolutSailySafetyWingSkyscannerFlatio
04

Long-term nomad kit

For those with no return date.

WiseGenkiNordVPNNotionWorld Time Buddy

How we score

  • Nomad tolerance30%
  • Value for money30%
  • Ease & mobile app20%
  • Support & fine print20%

FAQ

Which bank won't freeze my account when I change country?

Wise has the best nomad tolerance and is built to be used from anywhere. Revolut also works but may ask for extra checks. Always carry two accounts.

What's the best eSIM for digital nomads?

Airalo for coverage (200+ countries) and Saily for price. For stays over a month a local SIM is usually cheaper.

Which health insurance can I buy while already travelling?

SafetyWing and Genki can be bought while abroad. SafetyWing is cheaper; Genki offers broader cover.

How is the Zabel Score for tools calculated?

Weighted average of 4 pillars scored 1–10: nomad tolerance (30%), value for money (30%), ease & app (20%) and support & fine print (20%).

Does Zabel get paid to recommend tools?

Scores are editorial. If a brand is a partner we show a badge, and it never changes its score.

Want to join the tribe?

Join the tribe for free to see the combos other Zabelers use and share yours.