FriMi review

Monthly fees run at LKR 0, so keeping the account costs nothing. Monzo Flex also charges £0 and Wise charges £0, so the free monthly fee is not a reason on its own to pick FriMi over those cards.

It is not. FriMi issues a debit card, and multi-currency is the only feature listed (multi currency), so spending draws on your bank balance rather than on crypto holdings. If you want to spend digital assets straight from a card, you need a crypto card instead.

The card runs on mastercard, so it is accepted wherever Mastercard is accepted. Mastercard also covers 36.9% of the crypto cards on the site, so a FriMi card works in the same places as plenty of crypto cards.

The account is held with Nations Trust Bank PLC, the bank behind the brand, which is based in Sri Lanka. Spending with the debit card comes out of that bank balance, so the strength of the bank behind the account is what matters for how safely the money is held.

The card is multi-currency (multi currency), so several currencies sit behind one card. The listed features stop there, with no crypto balances added to the account, so the multi-currency part is about bank money rather than digital assets.

FriMi is based in Sri Lanka and issued by Nations Trust Bank PLC, which makes it a Sri Lanka card rather than a multi-country one. If you are opening an account in another market, start with a provider that already operates there, such as Monzo Flex or Wise.

All three alternatives are free monthly too: £0 at Monzo Flex, £0 at Wise and €0 at Bitpanda, alongside LKR 0 for FriMi. The real difference is what the card is attached to, not the monthly price.

Pick FriMi if you want a plain bank card for everyday spending across several currencies. Pick a crypto card if you want the balance on the card to track crypto holdings, because the only feature listed here is multi-currency (multi currency) on a debit card.