NLB review
Updated September 28, 2026 · HodlCue Editorial Team · Facts checked September 26, 2026
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Our verdict
NLB is a bank debit card for anyone in Slovenia who keeps a current account with the bank and wants an everyday debit card. The monthly fee of €3.39 on the personal current account is the trade-off, since comparable cards here charge £0.
Key facts
- Best for
- A current account holder in Slovenia who wants a plain debit card for daily spending and will pay a monthly fee.
- Monthly fee
- €3.39↗
- Card type
- Debit↗
- Card network
- Visa↗
- Legal entity
- Nova Ljubljanska banka d.d.↗
- Headquarters
- Slovenia↗
- Official website
- nlb.si
Facts checked September 26, 2026, 4 sources
Pros and cons
Pros
- The card comes from Nova Ljubljanska banka d.d., which is headquartered in Slovenia, so the account is a banking product rather than a standalone card wallet.
- Card type is debit and the network is visa, the pair most commonly listed among the brands compared here.
- The fee belongs to a personal current account package, which is the account type it is priced under.
Cons
- The monthly fee of €3.39 is the case against it, since Monzo Flex, Wise and Bitpanda each list £0 a month.
- It ranks at 338 of 379 brands on monthly fee, against a site median of €0.
- The card is debit, so coins, conversion and earning sit outside what the card itself does.
Who it suits
- Customers in Slovenia who already hold an NLB current account and just want a card for everyday payments
- People who prefer a bank issued card and have no need for crypto balances or spending limits on the card
- Readers who want a visa card and are comfortable with a monthly account fee
Who should look elsewhere
- Monzo Flex, if the monthly fee decides it, since its monthly fee is £0
- Wise, for anyone putting running cost first, as its monthly fee is £0
- Bitpanda, if the card should sit alongside digital assets, while its monthly fee is €0
Who runs it
The card is issued by Nova Ljubljanska banka d.d., and SI is where that bank is headquartered. It is a banking product rather than a crypto platform, so the money behind the card comes from a current account at that bank and the account is run under the bank's own terms rather than a card programme from a fintech.
How NLB compares





Its monthly fee is €0 on a card linked to digital assets, where NLB is a plain debit card.












Frequently asked questions
What does the account cost each month?+
The personal current account carries a monthly fee of €3.39. That sits above the median monthly fee of €0 across the brands on the site, and comparable cards list £0 or £0 instead, so cost is the deciding factor here.
Is this a debit card or a prepaid card?+
It is a debit card, which is the most common card type in this comparison. A debit card spends straight from the bank account balance, so there is no separate card balance to top up and no digital asset balance attached to it.
Which network does the card run on?+
The card runs on visa, the network used by most of the cards in this comparison. It is the network listed for the bank's personal banking customers, and the card sits with the debit product rather than a virtual or prepaid one.
Who is behind the card?+
It comes from Nova Ljubljanska banka d.d., and SI is where that bank is headquartered. The card is issued by the bank under its own account terms rather than by a separate card company, so the balance sits with an established bank.
How does the fee compare with the cards around it?+
NLB ranks at 338 of 379 brands on monthly fee, and its fee of €3.39 sits above the €0 site median. Monzo Flex, Wise and Bitpanda all list a monthly fee of £0, so the gap here is the whole comparison.
Is NLB a crypto card?+
No, it is a bank card rather than a crypto card. The card type is debit and it is issued by Nova Ljubljanska banka d.d. in Slovenia, so it spends from a bank current account. Coins, conversion and earning are not handled by the card itself.
Who should pick this card?+
It suits customers in Slovenia who keep a current account with the bank and want a debit card for ordinary spending, at a monthly fee of €3.39. It is less suitable for anyone who wants crypto balances, conversion or earning managed on the card.
Sources
- nlb.si/content/dam/nlb/nlb-group/documents/o-nlb-skupini/... checked September 26, 2026
Backs: Headquarters
“Trg republike 2 1520 Ljubljana, Slovenia”
- nlb.si/content/dam/nlb/pdf-files/osebne-finance/privatno-... checked September 26, 2026
Backs: Card network
“NLB Karanta, NLB Mastercard, NLB Visa”
- nlb.si/content/dam/nlb/pdf-files/osebne-finance/racuni-pa... checked September 26, 2026
Backs: Legal entity, Monthly fee
“Nova Ljubljanska banka d.d., Ljubljana, Trg republike 2”
- nlb.si/content/dam/nlb/pdf-files/poslovne-finance/izvlece... checked September 26, 2026
Backs: Card type
“Cash withdrawals with NLB Visa Business Debit Card”
Compiled from 4 source pages, checked September 26, 2026. We did not open an account.
Not confirmed yet: Currency conversion fee, Free ATM withdrawals, Protection.
NLB
A current account holder in Slovenia who wants a plain debit card for daily spending and will pay a monthly fee.