MegaPay review

The card carries a monthly fee of KGS 0, and it is listed as a virtual card. That headline figure is the same as Monzo Flex at £0, Wise at £0 and Bitpanda at €0, so price itself does not separate the brands. Card type does the separating instead: 6% of the cards in this ranking are virtual, against 74.7% for debit.

MegaPay operates under a licence from the National Bank of the Kyrgyz Republic, listed as 3028080120. The legal entity behind the brand is Kyrgyzmobilecompany LLC, so the named regulator and the company match. Across the cards in this ranking, 385 are licensed out of 1,589 listed, so a named regulator narrows the field.

The brand is run by Kyrgyzmobilecompany LLC, a company based in Kyrgyzstan and founded in 2009. Support for the account is handled by the same brand through email, phone and help centre, with phone, email and a help centre listed. The card itself runs on the visa network.

It is a virtual card on the visa network, so it is not handed over in person. Virtual cards are 6% of the cards listed in this ranking, with debit at 74.7% and prepaid at 19.3% making up the rest.

Support runs on email, phone and help centre, so a phone line, email and a help centre are the routes in. For comparison, 66.4% of the cards in this ranking offer phone support and 58.5% offer email, so MegaPay's channel list sits in the mainstream of the field.

MegaPay's home market is KG, and its licence is held in the Kyrgyz Republic, so the account is built for a single market. Acceptance follows the visa network rather than a domestic scheme. Readers in other markets should compare with Wise at £0 or Monzo Flex at £0.

Across this ranking the median currency conversion fee is 1% and the median monthly fee is €0, with the highest monthly fee at €148.23. MegaPay's own monthly fee of KGS 0 sits at the low end of that spread.