SeaBank review
Updated September 28, 2026 · HodlCue Editorial Team · Facts checked September 26, 2026
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Our verdict
SeaBank suits Philippine residents who want a debit card for everyday payments with a PHP 0 monthly fee and a virtual card to try before paying for plastic. Help runs on chat only, so anyone who wants email or a phone line should compare the alternatives.
Pros and cons
Pros
- Card type is debit, the kind used by 74.7% of providers in this group
- A virtual card comes with the account, so you can pay online before adding a physical card
- The bank sits in the Philippines under Bangko Sentral ng Pilipinas (BSP), and the account runs as SeaBank Philippines Inc.
Cons
- Support runs on chat only, where email reaches 58.5% of this group and a help centre 62.2%
- A physical card is not included with the PHP 0 monthly fee, and card prices in this group run €0 to €876.09
Who it suits
- Philippine residents paying everyday bills who want a card with no monthly charge
- People who like to open a virtual card first and only pay for a physical card later
- Buyers who want an account from a bank licensed by Bangko Sentral ng Pilipinas (BSP)
Who should look elsewhere
- Readers who want email or phone help, since support runs on chat only, suit Monzo Flex better
- Travellers who want a large free ATM allowance, where Wise is the pick to compare
- Bitpanda users who want a card tied to crypto balances rather than a plain bank balance
How SeaBank compares
8.8 vs 9.4
8.8 vs 9.0
8.8 vs 8.2
8.8 vs 9.5
8.8 vs 9.6
8.8 vs 9.0
8.8 vs 9.1A crypto card with a monthly fee of €0, aimed at crypto balances rather than plain bank money.
8.8 vs 8.9
8.8 vs 8.1
8.8 vs 8.2
8.8 vs 9.5
8.8 vs 9.4
8.8 vs 9.2
8.8 vs 9.1
8.8 vs 9.0
8.8 vs 8.9- 8.8 vs 8.8
8.8 vs 8.8
8.8 vs 8.6
8.8 vs 8.5
8.8 vs 8.3
Where SeaBank is available
- Available
- Philippines
- Licence in Philippines
- Bangko Sentral ng Pilipinas (BSP), checked September 26, 2026
Countries from the brand (Source, checked September 26, 2026)
Frequently asked questions
What does SeaBank cost each month?+
The monthly fee is PHP 0, so the account carries no recurring charge. That matches the monthly fee of £0 at Monzo Flex, £0 at Wise and €0 at Bitpanda. The only extra cost to expect is a physical card.
Is there a virtual card?+
Yes, virtual card comes with the account, which suits people who want to start paying online before committing to a physical card. In this group card prices run €0 to €876.09, so a digital card sits at the cheap end.
What kind of card is it?+
The card type is debit, drawn from the linked bank balance rather than a prepaid balance. Debit cards are the most common card type among crypto card providers, with 74.7% of them using one.
Who regulates SeaBank?+
The bank is licensed in the Philippines by Bangko Sentral ng Pilipinas (BSP). The provider behind the account is SeaBank Philippines Inc., based in Philippines, so the licence and the account sit in the same market rather than across borders.
How do I get help?+
Support runs on chat only. Providers in this group more often add email, offered by 58.5% of them, or a help centre, offered by 62.2%. Chat suits quick questions, though it is thinner for a billing dispute.
Can I withdraw cash?+
Free ATM allowances across this group run €0 to €2,000, and the median sits at €0. That spread matters for anyone drawing cash often, so check the allowance on the card before relying on it abroad.
Who is the account suited for?+
The setup fits residents of the Philippines who want a debit card for everyday spending and a virtual card to try first. It suits people paying local bills through SeaBank Philippines Inc. rather than those moving money between markets or holding balances in several currencies.
Does the free monthly fee include a physical card?+
No, the PHP 0 monthly fee covers the account rather than a physical card, which is bought on top. Card prices in this group run €0 to €876.09, so budget for the card as well as the account.
Sources
- edaily.vn/review-seabank checked September 26, 2026
Backs: Legal entity, Licences
“SeaBank Philippines Inc. (A Rural Bank)”
- maribank.ph checked September 26, 2026
Backs: Card type, Headquarters, Monthly fee, Support channels
“Get up to PHP 3,000 cashback monthly every time you pay with your MariBank Card”
- yugatech.com/news/seabank-physical-debit-card-price-down-... checked September 26, 2026
Backs: Features
“To order a physical card, users have to ensure that they have a virtual card activated first”
Compiled from 3 source pages, checked September 26, 2026. We did not open an account.
Not confirmed yet: Currency conversion fee, Free ATM withdrawals, Protection.