Erste Bank Premiumcard Visa review

The card carries a monthly fee of €3.89. That is the only recurring charge listed for it, and it sits above the €0 median monthly fee across the brands compared here. For comparison, Monzo Flex charges £0 a month.

It is a debit card, so payments come straight out of the Erste account balance rather than from a preloaded balance. It runs on the mastercard network, which is accepted widely in AT and abroad.

Spending runs on the mastercard network and draws on your Erste account balance, because the card is a debit card. Coins are outside what this card covers, so anyone wanting to buy and spend digital assets would fit one of the crypto cards compared here better.

In AT the issuer sits under the Europäische Zentralbank and the Finanzmarktaufsicht (FMA). The issuing entity is Erste Bank der oesterreichischen Sparkassen AG, the Austrian savings bank group founded in 1819, which is a long-established bank rather than a new fintech.

Support runs by phone and email. That means a phone line and email through the bank rather than live chat inside an app, which suits anyone comfortable ringing their bank. A dedicated crypto card with in-app chat support would suit those who prefer to type.

The stated audience is student and kids. That makes it a fit for young people opening a first account in AT and for parents setting up a card for a child, rather than for general adult banking with a wider account range.