OCA review

The account carries a monthly fee of UYU 0 and a currency conversion fee of 0%. Top-ups by transfer from any bank are free, so the only regular charge is the monthly one, and spending abroad does not add a conversion cost on top.

It is issued by OCA S.A. (OCA Blue: OCA Dinero Electronico S.A.) and regulated in Uruguay by the Banco Central del Uruguay. Because the card is prepaid (prepaid) rather than a current account, the balance is held with the issuing bank, so read what the issuer says about safeguarding before loading large sums.

It is a prepaid card (prepaid) on the visa network, so you load money first and then spend what is on it. A single widely used network means the card works at everyday card terminals, and the currency conversion fee of 0% keeps foreign spending cheap.

The account covers 2 currencies, which is a short list next to the multi-currency rivals. The feature set is listed as multi currency and crypto, so crypto spending is the core of the offer while the currency range is the part to weigh against your own travel plans.

Top-ups by transfer from any bank are free, and the monthly fee is UYU 0, so funding the account does not cost extra. As a prepaid card (prepaid) it works on a load-then-spend basis, so the balance on the account is the balance you can spend.

Yes. Cashback of 2% applies on card spending, so purchases give something back. The rest of the cost picture is light too, with a monthly fee of UYU 0 and a currency conversion fee of 0%.

Support runs on phone, email and help centre, so a phone call, an email or the help centre all work as routes. The help centre handles routine account questions, while the phone line suits anything urgent on a card that spends in real time.

On the monthly charge the rivals sit at £0, £0 and €0 respectively, so price alone does not decide it. What separates OCA Blue is that it is a prepaid crypto card (prepaid) from a Uruguayan bank group rather than a current account or an exchange card.