Next Bank review
Updated September 28, 2026 · HodlCue Editorial Team · Facts checked September 26, 2026
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Our verdict
Next Bank is a Taiwan-based debit card from Next Commercial Bank Co., Ltd. that suits residents who want a plain bank card with no monthly charge. The monthly fee is TWD 0, and help runs on chat and phone through chat and phone.
Key facts
- Best for
- Taiwan residents who want a fee-free bank debit card with phone and chat support.
- Monthly fee
- NT$0↗
- Card type
- Debit↗
- Card network
- Visa↗
- Legal entity
- Next Commercial Bank Co., Ltd.↗
- Headquarters
- Taiwan↗
- Support channels
- Chat, Phone↗
- Official website
- nextbank.com.tw
Facts checked September 26, 2026, 2 sources
Pros and cons
Pros
- Monthly fee of TWD 0 on a bank account
- Card runs on the visa network
- Support covers chat and phone through chat and phone
- Backed by a named bank entity, Next Commercial Bank Co., Ltd.
Cons
- Monthly fee is charged in TWD, so the card suits Taiwan-based spending rather than multi-currency use
- Support runs on chat and phone only, through chat and phone
- It is a bank debit card, not a prepaid or virtual card, so debit card users elsewhere get less
Who it suits
- Taiwan residents paying everyday costs from a bank account
- People who want help by phone as well as chat, through chat and phone
- Customers of Next Commercial Bank Co., Ltd. who prefer a bank-issued card rather than a prepaid one
Who should look elsewhere
- Anyone outside Taiwan looking for a multi-currency card, where Wise fits better
- Prepaid or virtual card users, who would find Monzo Flex a closer match
- Crypto buyers wanting crypto-linked card features, where Bitpanda makes more sense
The company behind it
The card is issued by Next Commercial Bank Co., Ltd., which is based in Taiwan. That means the money behind the card sits with a bank rather than a payments startup, and the account behaves like an ordinary bank account with a card attached. Anyone who wants to see the issuing institution before opening an account can check Next Commercial Bank Co., Ltd. and the country it operates from. Support is listed as chat and phone, so questions can go to a person rather than a ticket queue.
How Next Bank compares
Bitpanda is the pick for crypto buyers who want crypto-linked card features, with a monthly fee of €0.
Where Next Bank is available
- Available
- Taiwan
Countries from the brand (Source, checked September 26, 2026)
Frequently asked questions
How much is the monthly fee on a Next Bank card?+
The monthly fee is TWD 0 on the bank account behind the card. The fee is charged in TWD, which suits spending in Taiwan. Anyone budgeting across several currencies should compare the alternatives listed here.
What kind of card is it?+
It is a debit card, meaning the money comes straight from a bank account rather than a prepaid balance. The card runs on the visa network, so it should work wherever Visa is accepted.
Who issues the card?+
The card is issued by Next Commercial Bank Co., Ltd.. That is a named bank entity rather than a payments startup, and it is based in Taiwan.
How do I get help?+
Support runs on chat and phone, listed under chat and phone. That means a person is reachable during banking hours as well as through in-app chat. It is a narrower channel list than providers that also run email or a public help centre.
Which country is Next Bank based in?+
Next Bank is based in Taiwan and is run by Next Commercial Bank Co., Ltd.. The card is built for customers of that bank, so it makes the most sense for people banking in Taiwan rather than users opening an account from abroad.
Is there a monthly charge on any tier of the account?+
The stated monthly fee is TWD 0, so there is no recurring card charge to budget for. Other costs, such as currency conversion or cash withdrawals, sit with the bank and are not part of the monthly figure shown here.
How does this compare with a crypto card?+
Next Bank is a debit bank card, not a crypto-linked product, and it supports chat and phone through chat and phone. Readers who want crypto features alongside the card should look at the crypto card alternatives listed here instead.
Sources
- nextbank.com.tw/contact checked September 26, 2026
Backs: Headquarters, Legal entity, Support channels
- nextbank.com.tw/product/card checked September 26, 2026
Backs: Card type, Monthly fee, Card network
“VISA 簽帳金融卡 VISA debit card”
Compiled from 2 source pages, checked September 26, 2026. We did not open an account.
Not confirmed yet: Currency conversion fee, Free ATM withdrawals, Protection.
Next Bank
Taiwan residents who want a fee-free bank debit card with phone and chat support.