SEB review

The card carries a monthly fee of SEK 50. That is the regular charge for holding it, and it compares with £0 for Monzo Flex, £0 for Wise and €0 for Bitpanda, all of which list no monthly charge.

It is a debit card, which means spending comes straight from the balance in the linked bank account rather than from a prepaid balance you top up. The card type is the main thing to check before applying.

The card runs on mastercard, and its listed use is travel, so the network is what a traveller meets first at a terminal. Because the card is debit, each payment is drawn from the account balance, and the network mainly sets where it can be used.

The card is issued by Skandinaviska Enskilda Banken AB (publ), which has been a bank since 1856. The money sits with that bank rather than with a card issuer or a crypto platform, so the balance stays a bank account balance throughout.

Support runs on phone, email and help centre, so a phone call is the quickest route when a card is stopped away from home. Email and the help centre cover questions that do not need an urgent fix.

The card is debit and its listed use is travel, so it is a bank payment card for a current account rather than a crypto product. Anyone after crypto balances should read the crypto card comparisons instead.

Because the card is debit, every payment comes out of the balance in the linked account. There is no separate prepaid balance to load, and the SEK 50 monthly fee applies to the card itself.

It suits customers of Skandinaviska Enskilda Banken AB (publ) who already hold an account there and want a debit card for travel, with phone, email and help centre on hand. It suits anyone wanting to pay no monthly fee less well, since the charge is SEK 50.