Monix review

The monthly fee is UZS 0, so the account costs nothing to keep open. For context, Monzo Flex lists £0, Wise lists £0 and Bitpanda lists €0, so a monthly card fee is not what separates these brands.

Monix issues a debit card that runs on visa. A debit card draws on the balance in the account rather than a prepaid pot, and visa is the network behind 57.4% of the brands in this group, which makes it the more common pairing.

Both a virtual card and travel appear among the listed features, so a cardholder can shop online as soon as they sign up and can use the card while abroad. The card runs on visa and the account behind it is JSICB Ipak Yuli, so costs on a foreign trip still need checking at the point of spend.

The account is issued by JSICB Ipak Yuli, and that legal entity stands behind the debit card and its monthly fee of UZS 0. Readers who weigh who holds the money first can put that name next to the visa card when comparing offers.

A free withdrawal allowance is the question to settle first, and the clearest reference point is the group: the median free ATM allowance across these cards is €0, with the upper end at €118.23. Readers who take out cash often should confirm the terms with the bank.

Conversion cost is where a travel card earns its keep, and the visa card is built for use abroad. Across this group the median currency conversion fee is 1% and the top of the range is 10.5%, which gives readers a benchmark for the spread on a foreign spend.

Monix is a debit card issued by JSICB Ipak Yuli, so it sits in the banking part of the market. The cards in this group that do carry crypto list a median of 50 coins and a median of 50 supported coins, so readers chasing coins should weigh those offers instead.