CBC Banque SA review

The standard account carries a monthly fee of €0, so holding it costs nothing each month. The site ranking puts it first on monthly fee across 379 brands, though the overall score of 6 is mid-table.

Yes, the card type is debit, so spending comes straight out of the balance you hold. Credit and prepaid cards are not among the listed types, which means the card is tied to the money already in the account.

The card runs on mastercard, so it is accepted at Mastercard merchants and at Mastercard cash machines at home and abroad. Cards on Mastercard make up 38.9% of the brands on the site.

The account is run by CBC Banque SA, and the country of record is BE. That makes it a standard banking product rather than an exchange balance, which suits you if you want the card and the bank balance in one place.

Conversion charges are not among the listed fees for this debit card, so spending outside the euro is hard to price. The group median conversion fee is 1%, a useful yardstick if you often pay in another currency.

A free cash machine allowance is not among the listed fees for this mastercard card, so withdrawal costs are unclear. The group median free allowance is €0, and many comparable cards set none at all.

No regulator, licence or protection scheme is named for this brand, so there is nothing stated about deposit protection. The money sits as a bank balance with CBC Banque SA in Belgium, so check the deposit guarantee position with the bank.

The monthly fee of €0 matches Monzo Flex at £0, Wise at £0 and the BMW Card von American Express at $0. On price alone they are level, so the card type and network decide it.