Moss review

The monthly fee is €0, so the account carries no recurring charge. That makes it a straightforward option for business users who just want somewhere to hold a balance. Across the site, the typical monthly fee is €0, so Moss sits with the majority of free plans.

It is a German company, Moss GmbH, based in Germany. It holds licence 159024 under BaFin, and the same authorisation appears in the register as PSD_EMI DE_BAFIN!159024. For business users, that means the account sits inside the German system.

It is a debit card rather than a credit card, so spending draws on the balance you hold. A virtual card is listed as a feature, which suits ordering online without a physical card in hand. Card type matters here: 73.4% of the cards on the site are debit.

The stated audience is business, so the product is shaped around paying out and working with crypto balances rather than everyday personal banking. That focus is common in this category: 64.6% of the brands on the site target businesses.

Support runs through email, phone and help centre, so you can email, call or use the help centre. That is a wider spread than email alone, and phone support is less usual here, with 44.7% of the site reaching it compared with 79.6% running a help centre.

Moss was founded in 2019 and operates from DE as Moss GmbH. Its licence with BaFin is recorded as 159024, which ties the business to the German regulator.

On the monthly fee, Moss ranks 1 out of 379 brands compared here, at €0. The wider price median across the site is €0, rising to €65.46 at the upper end, so headline cost is low but other charges still apply.