D360 Bank review

Updated September 28, 2026 · HodlCue Editorial Team · Facts checked September 26, 2026

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Our verdict

D360 Bank's multi-currency debit card suits residents of SA who spend abroad and want simple costs. Monthly fees of SAR 0 and a currency conversion fee of 0% put it at the low-cost end of this comparison, though the bank only dates from 2022.

Key facts

Best for
A no-monthly-fee multi-currency debit card for everyday spending in SA and abroad.
Monthly fee
SAR 0↗
Currency conversion fee
0%↗
Card type
Debit↗
Legal entity
D360 Bank↗
Headquarters
Saudi Arabia↗
Founded
2022↗
Features
Travel, Multi-currency
Official website
d360.com

Facts checked September 26, 2026, 2 sources

Apps and profiles

Get the app
App Store
Elsewhere
LinkedInX

Pros and cons

Pros

  • Monthly fees of SAR 0 on the personal card.
  • A currency conversion fee of 0%, ranked 1 of 237 brands on this measure.
  • Features listed as travel and multi currency suit spending on a debit card.
  • Issued by D360 Bank from SA, so a named bank stands behind the card.

Cons

  • As a debit card, spending comes straight from the account balance rather than from crypto you hold.
  • Founded in 2022, D360 Bank has a shorter operating history than the long established brands next to it.
  • Accounts centre on SA, so anyone outside that market should confirm eligibility before applying.
D360 Bank

Ready to try D360 Bank?

Scored 8.8 / 10 by HodlCue.

Who it suits

  • Residents of SA who want a debit card for everyday payments.
  • People who often pay in another currency and want low conversion costs on a debit card.
  • Customers who prefer simple pricing: SAR 0 monthly and 0% to convert.

Who should look elsewhere

  • Wise, whose monthly fee is £0, if you are weighing a multi-currency account against a single debit card from SA.
  • Monzo Flex, whose monthly fee is £0, if its own plan structure suits you better than the debit card offered here.
  • Bitpanda, whose monthly fee is €0, if you want a card in the crypto card group rather than the bank debit group.

How D360 Bank compares

Where D360 Bank is available

Available
Saudi Arabia

Countries from the brand (Source, checked September 26, 2026)

Frequently asked questions

How much is the D360 Bank card each month?+

Monthly fees are SAR 0 on the personal account, and that is the only monthly charge listed for the card. It sits at the low end of this comparison, where the typical monthly fee is €0. The card is a debit card from D360 Bank.

What does D360 Bank charge to convert currency?+

The currency conversion fee is 0%, the strongest cost point for the brand. It is ranked 1 of 237 brands on this measure. Cards in the wider group typically charge 1% on conversion, so the gap to the field is wide.

Is the D360 Bank card a debit or a prepaid card?+

It is a debit card, so spending draws on money in the account rather than a balance loaded in advance. Debit cards make up 73.4% of the cards compared here, against 21.2% that are prepaid. The issuer is D360 Bank.

What is the card built for?+

The listed features are travel and multi currency, so the card is aimed at travel and holding more than one currency. That suits spending away from SA, where conversion is the usual extra cost. Fees here are SAR 0 monthly and 0% for currency conversion.

How long has D360 Bank been operating?+

D360 Bank was founded in 2022 and issues its debit card from SA. That is a shorter track record than the longer standing rivals here, and a new bank tends to raise more questions about stability and how deposits are handled.

Who is the card issued by?+

The card is issued by D360 Bank, a bank headquartered in Saudi Arabia. It is a debit card rather than a prepaid or virtual one, with features listed as travel and multi currency. Account terms, and any protection on money held, follow the bank's own published conditions.

How does D360 Bank score on cost?+

Its cost score is 8 alongside an overall score of 8. The evidence is the SAR 0 monthly fee and the 0% conversion fee, which is why cost is where the brand ranks well. Cards in the wider group typically charge 1% on conversion.

Sources

Compiled from 2 source pages, checked September 26, 2026. We did not open an account.

Not confirmed yet: Free ATM withdrawals, Protection.

D360 Bank

D360 Bank

A no-monthly-fee multi-currency debit card for everyday spending in SA and abroad.

8.8/10See alternatives