neo by Bank Audi review
Updated September 28, 2026 · HodlCue Editorial Team · Facts checked September 26, 2026
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Our verdict
neo by Bank Audi suits people in Lebanon who want a bank-issued card covering several currencies, 6 of them. The trade-off is cost: the monthly fee is $1.99, where Monzo Flex, Wise and Bitpanda charge £0, £0 and €0, which matters most for anyone who spends in a single currency.
Key facts
- Best for
- A bank-backed multi-currency card for customers in Lebanon who convert or pay abroad.
- Monthly fee
- $1.99↗
- Currency conversion fee
- 1.5% to 4.8%↗
- Card type
- Debit↗
- Top-up fee
- 3.5% of total amount↗
- Currencies
- 6↗
- Legal entity
- Bank Audi S.A.L.↗
- Headquarters
- Lebanon↗
- Support channels
- Phone, Chat, Help-centre↗
- Features
- Multi-currency, Virtual card
- Official website
- neo.com.lb
Facts checked September 26, 2026, 3 sources
Apps and profiles
- Get the app
- App StoreGoogle Play
- Elsewhere
- LinkedInXfacebook.comyoutube.com
Pros and cons
Pros
- It is a debit card, so purchases draw straight on the bank account you already hold.
- It offers multi currency and virtual card, and the account covers 6 currencies.
- Support runs on phone, chat and help centre.
- The account sits with Bank Audi S.A.L., a bank based in Lebanon.
Cons
- The monthly fee is $1.99, while Monzo Flex lists £0, Wise lists £0 and Bitpanda lists €0.
- Conversion between currencies costs 1.5% to 4.8%, which applies every time you spend in a currency the account does not hold.
- Loading money onto the card adds 3.5% of total amount.
Who it suits
- Bank Audi customers in LB who want a single card to cover 6 currencies.
- People who want a virtual card for online shopping alongside a physical debit card.
- Customers who would rather phone or chat than search, since support runs on phone, chat and help centre.
Who should look elsewhere
- Wise, whose monthly fee is £0, if you would rather not pay $1.99 a month for a card.
- Bitpanda, whose card lists €0 a month, if you want a card with no monthly charge.
- Monzo Flex, at £0 a month, if paying 1.5% to 4.8% to convert is the wrong trade.
Fees
The monthly fee is $1.99. Currency conversion costs 1.5% to 4.8% whenever a purchase is settled in a currency the account does not hold, and loading funds onto the card adds 3.5% of total amount. Together these make the card costly for a single currency spender, and the conversion charge is the part that applies most often to anyone travelling or buying from abroad.
The company behind it
neo is issued by Bank Audi S.A.L., a bank based in Lebanon, so the money sits with a bank rather than an exchange or a crypto platform. Support runs on phone, chat and help centre, so routine questions can be answered in the help centre or over chat, and a phone line is there for anything tied to the account.
How neo by Bank Audi compares
8.9 vs 9.4
8.9 vs 9.0
8.9 vs 8.2
8.9 vs 9.5
8.9 vs 9.6
8.9 vs 9.0
8.9 vs 9.1Its monthly fee is €0, which is the figure to weigh if a monthly charge decides it.
8.9 vs 8.9
8.9 vs 8.1
8.9 vs 8.2
8.9 vs 9.5
8.9 vs 9.4
8.9 vs 9.2
8.9 vs 9.1
8.9 vs 9.0
8.9 vs 8.9- 8.9 vs 8.8
8.9 vs 8.8
8.9 vs 8.6
8.9 vs 8.5
8.9 vs 8.3
Where neo by Bank Audi is available
- Available
- Lebanon
Countries from the brand (Source, checked September 26, 2026)
Frequently asked questions
How much does the neo card cost each month?+
The card carries a monthly fee of $1.99. Converting between the currencies the account holds costs 1.5% to 4.8% each time you spend in a currency the account does not hold, and loading funds onto the card adds 3.5% of total amount. Those are the charges to weigh before applying.
Who issues the neo card?+
neo is issued by Bank Audi S.A.L., a bank based in Lebanon. That means the card comes from a bank rather than a crypto exchange, and the balance sits with the bank behind the neo brand.
Is the neo card a debit card?+
It is a debit card, so purchases draw on the money in the account rather than on a prepaid balance topped up in advance. The card also offers multi currency and virtual card, so a virtual card is available for online spending.
How many currencies can the account hold?+
The account covers 6 currencies, so the same card can handle spending in several of them without being swapped for another. Conversions between them are charged at 1.5% to 4.8%, so how often you convert matters more than how many you hold.
How do I get help if something goes wrong?+
Support runs on phone, chat and help centre. The help centre carries the routine answers on loading and spending, chat handles quicker questions, and phone support is there for anything tied to the account or the card itself.
Where is neo available?+
The bank behind neo is based in Lebanon, and the account is built for its customers in Lebanon. The card and the 6 currency coverage are part of that bank's own offering rather than a separate worldwide service.
Is neo cheaper to hold than Wise or Bitpanda?+
On the monthly charge, no. neo costs $1.99 while Wise lists £0 and Bitpanda lists €0, so the cards compared here are cheaper to keep. Where neo has its own case is covering 6 currencies with a virtual card.
Sources
- en.wikipedia.org/wiki/Bank_Audi checked September 26, 2026
Backs: Legal entity
“Bank Audi was incorporated in its present form in 1962 as a private joint stock company with limited liability”
- neo.com.lb/english/faq checked September 26, 2026
Backs: Top-up fee, Support channels
“3.5% of total Amount for Debit card top-up”
- neo.com.lb/english/home checked September 26, 2026
Backs: Card type, Currencies, Features, Currency conversion fee, Headquarters, Monthly fee
“multi-currency physical and digital debit card”
Compiled from 3 source pages, checked September 26, 2026. We did not open an account.
Not confirmed yet: Free ATM withdrawals, Protection.
neo by Bank Audi
A bank-backed multi-currency card for customers in Lebanon who convert or pay abroad.