1st National Bank Saint Lucia review
Updated September 28, 2026 · HodlCue Editorial Team · Facts checked September 26, 2026
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Our verdict
1st National Bank Saint Lucia suits people in Saint Lucia who want a bank debit card for everyday and travel spending rather than a crypto card. The monthly fee of XCD 5 and conversion charge of 2% sit well above the free alternatives listed here.
Key facts
- Best for
- Everyday and travel spending from a Saint Lucia bank account.
- Monthly fee
- EC$5↗
- Currency conversion fee
- 2%↗
- Free ATM withdrawals
- EC$0↗
- Card type
- Debit↗
- Card network
- Visa↗
- Legal entity
- 1st National Bank St Lucia Limited↗
- Headquarters
- Saint Lucia↗
- Founded
- 1938↗
- Support channels
- Email, Phone↗
- Features
- Multi-currency, Travel
- Official website
- 1stnationalbankonline.com
Facts checked September 26, 2026, 4 sources
Apps and profiles
Pros and cons
Pros
- The card carries multi currency and travel features, so travel spending fits the card's design.
- It is a debit card on the visa network, so it works wherever Visa is accepted.
- Support runs on email and phone, giving you email and phone contact with a bank.
Cons
- A monthly fee of XCD 5 where Monzo Flex, Wise and Bitpanda charge none.
- A conversion charge of 2%, above the 1% typical on this site.
- No free ATM withdrawals, since the free allowance is XCD 0.
Who it suits
- People in Saint Lucia who bank with 1st National Bank and want one card for daily spending.
- Travellers who hold several currencies and would rather use a bank card than a crypto exchange card.
Who should look elsewhere
- Anyone who wants to hold a card with no monthly charge: Wise has a monthly fee of £0.
- Converters who chase low rates: Monzo Flex charges a monthly fee of £0, while the 2% conversion charge here is the heavier cost.
Fees
The card carries a monthly fee of XCD 5 and a currency conversion charge of 2%. The conversion rate is the cost that matters most if you spend or withdraw in another currency, and it applies on top of the monthly fee rather than replacing it. Compared with the monthly fees at Monzo Flex, Wise and Bitpanda, this card sits at the expensive end of this group.
The company behind it
1st National Bank Saint Lucia trades as 1st National Bank St Lucia Limited and is based in Saint Lucia. It has been a bank since 1938, which puts it among the longest established providers here. Support runs on email and phone, so you reach the bank by email or phone rather than through an in-app chat.
How 1st National Bank Saint Lucia compares
9.2 vs 9.4
9.2 vs 9.0
9.2 vs 8.2
9.2 vs 9.5
9.2 vs 9.6
9.2 vs 9.0
9.2 vs 9.1Its monthly fee of €0 is aimed at crypto buying rather than local everyday banking.
9.2 vs 8.9
9.2 vs 8.1
9.2 vs 8.2
9.2 vs 9.5
9.2 vs 9.4
9.2 vs 9.2
9.2 vs 9.1
9.2 vs 9.0
9.2 vs 8.9- 9.2 vs 8.8
9.2 vs 8.8
9.2 vs 8.6
9.2 vs 8.5
9.2 vs 8.3
Where 1st National Bank Saint Lucia is available
- Available
- Saint Lucia
Countries from the brand (Source, checked September 26, 2026)
Frequently asked questions
What kind of card is this?+
It is a debit card, so the money comes straight from your bank balance. It runs on the visa network, so it is accepted wherever Visa cards are taken, at card terminals and cash machines alike.
What does the card cost each month?+
The monthly fee is XCD 5, and that is the first number to weigh. The free alternatives here, Monzo Flex, Wise and Bitpanda, all charge no monthly fee, so this card costs more simply to hold.
How much does it cost to convert currency?+
Converting currency costs 2%, above the 1% typical across this site, and it ranks 151 of 237 on that measure. It only bites when you spend or withdraw away from home.
Are there free ATM withdrawals?+
The free ATM allowance is XCD 0, so cash machine use is a charge here rather than a free part of the account. Many cards in this group include a free allowance, with a typical top figure of €118.23.
Why would I want a multi-currency card?+
The card carries multi currency and travel features, so it suits people who hold more than one currency or who travel often. You keep the balance with a bank you already use and pay with the same card at home and away.
How do I get help if the card goes wrong?+
Support runs on email and phone, so you can reach the bank by email or by phone. Across this site, email support appears on 60.9% of brands and phone support on 44.7%.
Who runs this card?+
The card comes from 1st National Bank St Lucia Limited, based in Saint Lucia and trading since 1938. It is a bank rather than a crypto exchange, so the card spends from a bank balance in a single local market.
Who is this card for?+
It suits people in Saint Lucia who bank with 1st National Bank and want one card for daily and travel spending. If you would rather hold a card with no monthly charge, Wise has a monthly fee of £0.
Sources
- 1stnationalbankonline.com checked September 26, 2026
Backs: Headquarters, Legal entity, Support channels
“Head office situated in Rodney Bay, Saint Lucia”
- 1stnationalbankonline.com/services/1st-debit-card checked September 26, 2026
Backs: Card type, Features, Card network
“1st Debit Card”
- 1stnationalbankonline.com/tariff-guide checked September 26, 2026
Backs: Free ATM withdrawals, Currency conversion fee, Monthly fee
“Transactions at the bank's own ATMs are free for debit cardholders”
- en.wikipedia.org/wiki/1st_National_Bank_of_St_Lucia checked September 26, 2026
Backs: Founded
“incorporated in 1937 and opened for business in January 1938”
Compiled from 4 source pages, checked September 26, 2026. We did not open an account.
Not confirmed yet: Protection.
1st National Bank Saint Lucia
Everyday and travel spending from a Saint Lucia bank account.