NASS review

The prepaid card carries a monthly fee of IQD 0, so holding it adds no recurring cost beyond that figure. The card type is prepaid, which keeps your spending tied to the balance you have loaded rather than to a credit line.

It is a prepaid card running on the visa network, so it behaves like a pay as you go card rather than a direct debit from a bank account. Cards of this type make up 19.3% of the cards in this category.

A virtual card is listed among the features, virtual card and travel, alongside travel use. That gives you a card number set up for online payments, and the travel angle means it is built for spending away from home.

Support runs on phone only, so phone is the route listed for questions and problems, which means planning for a call rather than a written reply. Across the category, help centres appear at 62.2% and email at 58.5%.

It suits people who want to spend from a prepaid balance in Iraqi dinar and who travel, since a virtual card is among the features, virtual card and travel. It suits you less if you want to email or chat with support, because NASS lists phone only.

Monzo Flex charges a monthly fee of £0, Wise £0 and Bitpanda €0, while NASS lists IQD 0. The bigger difference is card type, since NASS is prepaid and prepaid cards sit in the smaller group at 19.3%.

The card runs on visa, and cards on that network make up 57.4% of the cards in this category, so it sits with the larger camp. It is prepaid, so you load a balance and spend from it rather than paying out of a current account.