Leobank review

Leobank charges a monthly fee of AZN 0 for the card, so there is no separate subscription to budget for. Compare that with Monzo Flex at £0 and Wise at £0, which also sit at no monthly cost. The reward side comes from spending rather than from a fee tier.

It is a debit card, so spending draws on a bank balance rather than on crypto holdings. Card costs stay simple with a monthly fee of AZN 0, and rewards come from cashback of 20% on ordinary retail purchases.

Spending earns cashback of 20%, and the card itself carries a monthly fee of AZN 0, so the reward applies to day to day purchases rather than to a balance you hold. The card is a debit card, so the cashback comes from shopping rather than from account activity.

Leobank lists kids and business as the audiences it serves, so a family with a child or a small business is the clear target. The account is built for local use out of AZ rather than for crypto buyers or for people who want a multi-market setup.

The card comes from Unibank, a bank based in Azerbaijan. Its support is handled through phone and chat. The business is therefore a local bank rather than an exchange or a wallet provider, and that shape decides what the card can do with your money.

Support runs on phone and chat, so a phone call or a live chat covers most questions. Those are the channels the brand names, which means a card question about the monthly fee of AZN 0 or the cashback of 20% goes to a call or a chat.

Leobank's monthly fee is AZN 0, and Monzo Flex charges £0 while Wise charges £0. Bitpanda's card also sits at €0. On monthly cost alone the four are level, so the deciding factors are the card type of debit and the cashback of 20%.