Eversend review

The card is a virtual, built around multi currency, virtual card and crypto. Nothing physical is issued, so the card details are entered at checkout and nothing has to be carried. That makes it a poor fit for tills that want to take a card out of a wallet.

Conversion costs 0.9%. That is below the 0.1% at Wise, but well above the 0% at Bitpanda and the 0% at Monzo Flex. Spending in a currency you already hold keeps the charge out of the way.

The account covers 16 currencies. That is enough to keep a balance for a trip lined up before departure rather than converting on the day. Fees of 0.9% still apply whenever money moves between currencies.

Support runs on help centre and email, so a help centre and email are the routes available. There is no phone line or live chat in that list. Anyone who wants to talk a problem through is better served by a provider with wider support.

The listed features are multi currency, virtual card and crypto. In practice that means holding more than one currency, spending crypto alongside cash balances, and using a virtual card while travelling. It is aimed at multi-currency spend rather than a wide exchange of many assets.

The common monthly charge across the brands compared here sits at the €0 median. Eversend's costs are the ones that show up per transaction, chiefly conversion at 0.9%, so the number of conversions matters more than any subscription.

The company was founded in 2017. The conversion fee of 0.9% is the figure to weigh against the 1% median across the brands compared here, and against 0% at Bitpanda, which charges less on every conversion.