First Capital Bank Mocambique review

The monthly fee is MZN 0, taken from the bank account behind the card. There is no subscription charge for keeping the debit card open, so it is free to hold as long as the account stays in use.

The currency conversion fee is 2.5%, charged when a purchase settles outside the currency you hold. That is above the 1% typical of the brands in this ranking, where the card sits at 180 of 237.

It is a debit card, drawing on the balance in your First Capital Bank, S.A. current account as you spend. It is not tied to a crypto balance or a prepaid top up, so spending never goes beyond the money in the account.

The card runs on visa, the most common network among the brands listed here at 57.4%. That makes it usable at most merchants and cash machines that accept it in MZ and abroad.

The card comes from First Capital Bank, S.A., a bank domiciled in Mozambique, and no regulator or protection scheme is listed for it here. Ask the bank which scheme applies to the account before treating the balance as protected.

No, because it is a debit card drawing on a bank account rather than a token holding, so crypto cannot be spent through it. A card tied to a crypto balance fits that need, as Bitpanda shows at a monthly fee of €0.

The monthly charge of MZN 0 matches £0 and €0, so holding the card is cheap either way. The difference sits in conversion, where 2.5% is well above the 1% median across the brands on the site.