BigPay review

BigPay charges 2% when you convert between currencies. Wise lists 0.1% for the same job, and Monzo Flex and Bitpanda list 0%, so BigPay is the costliest of the four on this measure. That is the figure to weigh before opening an account for travel.

BigPay issues a debit card that runs on the visa network, so it is accepted wherever that network is accepted. Debit means spending draws on the balance already in the account, and the app also offers a virtual card for online payments.

The account covers 12 currencies, so a single wallet can cover more than a single market. The feature list runs to multi-currency, a virtual card and travel, and the card is built for spending away from home.

Support runs on email, phone and help centre. That means a phone line for anything urgent, email for questions that need a written trail, and a help centre for the everyday questions about the account and the card.

BigPay was founded in 2017, so it is an established name rather than a recent launch. The account covers 12 currencies and issues a debit card on the visa network, with help offered on email, phone and help centre.

Travel is on the feature list, and the debit card runs on the visa network, so it is accepted abroad wherever that network works. The account holds 12 currencies, so trip money can be split across currencies before you travel.

The gap is wide. BigPay's 2% sits above 0.1% at Wise, 0% at Monzo Flex and 0% at Bitpanda. On cost alone the other three come first, and BigPay earns its place through multi-currency features, a virtual card and support on email, phone and help centre.

BigPay fits readers who want a multi-currency wallet, a virtual card and travel features in a single app, plus support by phone. It suits people who convert currency less often, since the 2% fee is well above 0.1% at Wise and 0% at Bitpanda.