Moneybase review
Updated September 28, 2026 · HodlCue Editorial Team · Facts checked September 26, 2026
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Our verdict
Moneybase suits businesses that pay staff and suppliers in several currencies, offering a Mastercard debit card, multi-currency balances and a virtual card. The monthly fee is €0, the same as £0 and $0, and it is licensed for electronic money by the MFSA in Malta.
Key facts
- Best for
- A multi-currency business card with no monthly fee.
- Monthly fee
- €0↗
- Card type
- Debit↗
- Card network
- Mastercard↗
- Currencies
- 24↗
- Legal entity
- MONEYBASE LIMITED↗
- Headquarters
- Malta↗
- Founded
- 1971↗
- Support channels
- Help-centre↗
- Features
- Multi-currency, Virtual card, Travel
- Audience
- Business
- Official website
- moneybase.com
Facts checked September 26, 2026, 4 sources
Apps and profiles
- Get the app
- App Store
Pros and cons
Pros
- No monthly charge on the business account: €0.
- A multi currency, virtual card and travel account covering 24 currencies.
- A debit card on mastercard, with a virtual card in the same feature set.
- Ranked 1 on monthly fee among 379 brands compared.
Cons
- Support runs on a help centre only, so written replies are the route for an urgent card problem.
- Moneybase is built for a business audience, so personal spend gets little from the account.
- Card payments run on mastercard, a less common network across the site at 38.9%.
Who it suits
- Companies paying staff or suppliers in more than one currency
- Teams that want a virtual card for subscriptions alongside a physical card
- Sole traders who want a card with no monthly charge
Who should look elsewhere
- Anyone without company spend in mind, because Moneybase targets a business audience while the fees at Monzo Flex and Wise work out the same at £0 and £0.
- Anyone who wants a different card network, since Moneybase runs on mastercard and BMW Card von American Express sits on American Express instead.
The company behind it
The card comes from MONEYBASE LIMITED, headquartered in Malta and operating since 1971. Its electronic money licence in Malta is recorded as PSD_EMI MT_MFSA!MNB with the local regulator. Day to day, customer questions are handled through a help centre, so help is written rather than spoken for most account holders.
How Moneybase compares
9.3 vs 9.4
9.3 vs 9.0
9.3 vs 8.2
9.3 vs 9.5
9.3 vs 9.6
9.3 vs 9.0
9.3 vs 9.1
9.3 vs 8.9
9.3 vs 8.1
9.3 vs 8.2
9.3 vs 9.5
9.3 vs 9.4
9.3 vs 9.2
9.3 vs 9.1
9.3 vs 9.0
9.3 vs 8.9- 9.3 vs 8.8
9.3 vs 8.8
9.3 vs 8.6
9.3 vs 8.5
9.3 vs 8.3
Where Moneybase is available
- Available
- Malta
- Licence in Malta
- MT_MFSA (PSD_EMI MT_MFSA!MNB), checked September 26, 2026, also valid in Malta
Countries from the brand (Source, checked September 26, 2026)
Frequently asked questions
What does it cost to keep a Moneybase account?+
The monthly fee is €0 on the business account, so holding the card adds nothing to a monthly budget. Moneybase ranks 1 on monthly fee among 379 brands compared, which puts it with the cheapest group on the site.
Who regulates Moneybase?+
Moneybase holds an electronic money licence in Malta, recorded as PSD_EMI MT_MFSA!MNB with the local regulator. The licence belongs to MONEYBASE LIMITED, the same entity that issues the card, and the company is headquartered in Malta.
How many currencies can I hold and spend?+
The account covers 24 currencies for holding and spending. The multi currency, virtual card and travel feature set is built around multi-currency use, with a virtual card option and travel in mind, which suits teams paying suppliers across several markets.
What kind of card do I get?+
The card is a debit card on the mastercard network, so it works wherever Mastercard is accepted and draws straight from the account balance. A virtual card also sits in the multi currency, virtual card and travel feature set for online payments and subscriptions.
Who can open a Moneybase account?+
Moneybase is built for a business audience, so the account is aimed at companies and their teams rather than personal users. The multi-currency setup and the virtual card option cover most day to day company spending.
How do I get help if my card stops working abroad?+
Support runs on a help centre only, so an answer arrives in writing rather than during the trip. Loading the 24 currencies you need before you travel keeps the card usable while a reply is pending.
How long has Moneybase been trading?+
The business dates back to 1971 and trades as MONEYBASE LIMITED, based in Malta. An operating history that long is worth something when you want an established counterparty behind the card.
Which alternatives also cost nothing a month?+
Monzo Flex charges £0 a month, Wise charges £0, and BMW Card von American Express charges $0. All sit at no monthly charge, so the choice comes down to account type and currency support.
Sources
- euclid.eba.europa.eu/register/downloads/PSDMD/20260926/do... checked September 26, 2026
Backs: Headquarters, Legal entity, Licences
“EntityCode=MT_MFSA!MNB; EntityType=PSD_EMI; ENT_NAM=MONEYBASE LIMITED”
- careers.moneybase.com/o/product-owner-1 checked September 26, 2026
Backs: Founded
“founded the Maltese financial services industry in 1971”
- moneybase.com/blog/banking-basics/your-moneybase-masterca... checked September 26, 2026
Backs: Card type, Card network
“Your Moneybase Mastercard”
- moneybase.com/extras/business-to-business-solutions checked September 26, 2026
Backs: Audience
“Open a personal, corporate or broker account”
- moneybase.com/wp-content/uploads/2024/07/Moneybase-Cardho... checked September 26, 2026
Backs: Currencies, Features, Monthly fee, Support channels
“Exchange 24 currencies at competitive rates”
Compiled from 5 source pages, checked September 26, 2026. We did not open an account.
Not confirmed yet: Currency conversion fee, Free ATM withdrawals, Protection.