BFC Pay review
Updated September 28, 2026 · HodlCue Editorial Team · Facts checked September 26, 2026
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Our verdict
BFC Pay suits travellers who want a single card for many currencies: it holds and spends across 30 of them on the visa network, and the card itself is prepaid. Its listed features, multi currency, virtual card and travel, sit in the travel category, and the Central Bank of Bahrain is the named regulator.
Key facts
- Best for
- Travellers who want a multi-currency card and a 0% currency conversion fee.
- Currency conversion fee
- 0%↗
- Card type
- Prepaid↗
- Card network
- Visa↗
- Currencies
- 30↗
- Legal entity
- BFC Payments B.S.C. (C)↗
- Headquarters
- Bahrain↗
- Founded
- 2018↗
- Support channels
- Email, Phone, Help-centre↗
- Features
- Multi-currency, Virtual card, Travel
- Official website
- bfcpay.com
Facts checked September 26, 2026, 4 sources
Apps and profiles
- Get the app
- App StoreGoogle Play
Pros and cons
Pros
- A prepaid card on the visa network that covers 30 currencies.
- Its multi currency, virtual card and travel include a virtual card alongside the physical travel card.
- Support runs through email, phone and help centre, including phone and email.
Cons
- BFC Pay issues a prepaid card, so readers after the debit setup at Monzo Flex are looking at a different model.
- Support runs on email, phone and help centre, so there is no live chat channel for quick questions.
Who it suits
- Travellers who want to spend in local currency without a conversion charge.
- Readers who want a virtual card option inside a travel money setup.
Who should look elsewhere
- Readers who want a bank debit card like Monzo Flex, since BFC Pay issues a prepaid card.
- Anyone set on the debit card from Bitpanda, which sits in a different category to a prepaid travel card.
- Travellers who prefer a paid conversion charge, such as the 0.1% fee at Wise, to a 0% fee.
The company behind it
BFC Pay is operated by BFC Payments B.S.C. (C), registered in Bahrain, and the Central Bank of Bahrain is the named regulator. The company says it was founded in 2018. Support runs through email, phone and help centre, so questions can go by email or phone as well as through the help centre.
How BFC Pay compares
9.1 vs 9.4
9.1 vs 9.0
9.1 vs 8.2
9.1 vs 9.5
9.1 vs 9.6
9.1 vs 9.0
9.1 vs 9.1Consider Bitpanda for a debit rather than a prepaid travel card.
9.1 vs 8.9
9.1 vs 8.1
9.1 vs 8.2
9.1 vs 9.5
9.1 vs 9.4
9.1 vs 9.2
9.1 vs 9.1
9.1 vs 9.0
9.1 vs 8.9- 9.1 vs 8.8
9.1 vs 8.8
9.1 vs 8.6
9.1 vs 8.5
9.1 vs 8.3
Where BFC Pay is available
- Available
- Bahrain
- Licence in Bahrain
- Central Bank of Bahrain, checked September 26, 2026
Countries from the brand (Source, checked September 26, 2026)
Frequently asked questions
What does BFC Pay cost to use?+
Fees on the listed card come down to a currency conversion fee of 0%, and the card is prepaid on the visa network. Cards in this group sit at a 1% median conversion fee, which puts BFC Pay at the cheaper end.
What kind of card is the Travel Buddy?+
BFC Pay describes it as a prepaid card on the visa network, with a virtual card among its multi currency, virtual card and travel. That shapes it as travel money rather than a bank account card, and a different setup from the debit option.
How do I reach BFC Pay support?+
Support runs on email, phone and help centre, so you can email, call or work through the help centre. Across this group a help centre is the most common support channel at 62.2%, with email close behind at 58.5%.
Who regulates BFC Pay?+
BFC Pay is licensed in Bahrain by the Central Bank of Bahrain, and the operating entity is BFC Payments B.S.C. (C). The licence covers the card business in Bahrain. For anyone checking the safety of the money, the regulator matters more than the fee.
Is BFC Pay built for travel?+
Travel Buddy is the travel product, and its multi currency, virtual card and travel put multi-currency and travel at the front, with a virtual card for online bookings. The card covers 30 currencies, which is what makes it useful away from home rather than locally.
How old is BFC Pay?+
BFC Pay says it was founded in 2018, so it is a young operation next to long standing banks. The company behind the card is BFC Payments B.S.C. (C), based in Bahrain, with the Central Bank of Bahrain as the named regulator.
Who is the Travel Buddy card for?+
BFC Pay is built for travellers carrying more than one currency on a trip: a 0% conversion fee across 30 currencies, plus a virtual card. Readers after a debit card from Monzo Flex or a debit card from Bitpanda will find a different model here.
Sources
- bfcpay.com/about-us checked September 26, 2026
Backs: Founded, Licences
“Established in 2018, BFC Payments B.S.C. (C)”
- bfcpay.com/contact-us checked September 26, 2026
Backs: Support channels
“customerservice@bfcpayments.com - support department is available on all days”
- bfcpay.com/terms-and-conditions/travel-buddy checked September 26, 2026
Backs: Card type, Headquarters, Legal entity
“Travel Buddy Card means the prepaid multicurrency reloadable Card”
- bfcpay.com/travelbuddy checked September 26, 2026
Backs: Currencies, Features, Currency conversion fee, Card network
“30 + currencies to hold - Travel Buddy Card”
Compiled from 4 source pages, checked September 26, 2026. We did not open an account.
Not confirmed yet: Monthly fee, Free ATM withdrawals, Protection.
BFC Pay
Travellers who want a multi-currency card and a 0% currency conversion fee.