AstroPay review

The monthly fee is $0, so there is no recurring card cost to budget for. Charges appear where you spend and where you convert, with currency conversion priced at 1.25%. The card is a debit card on the Visa network, so the balance you hold is what gets spent.

Currency conversion costs 1.25%, which is the number to watch if you pay abroad often. AstroPay holds 50 currencies in a multi-currency account, so you can keep balances in the currencies you need and convert only when the timing suits the payment.

It is a debit card, so spending draws on the balance in the account rather than a credit line. Payments run on the Visa network, and a virtual card covers online shopping where you would rather not share the main card details. It is a spending tool rather than a way to borrow.

Cashback of 6% applies on the Infinite card, which is the tier to pick if the reward matters. AstroPay has traded since 2009 as AstroPay LLP, and the cashback is the piece that lifts spending value above the basic account.

You can hold 50 currencies in one multi-currency account, which covers most pairs for paying abroad. The account is built for business use, so a company paying suppliers in different currencies keeps each balance where it is needed rather than converting on every payment.

Virtual cards are listed among the features, alongside multi-currency balances and travel use. That suits online subscriptions and one-off payments where you would rather not hand over the details of your main card, and travel support pairs with holding several currencies for a trip.

The audience is business, so the card is built for companies and freelancers paying clients and suppliers rather than for personal banking. Cashback of 6% on the Infinite card and a monthly fee of $0 make it cheap to keep open, with 50 currencies on hand.

Support runs on help centre only, so questions go through the help centre rather than a live chat or a phone line. For a business account that needs a specific payment traced, plan around that single channel when you need an answer on a transaction.