SelfyConto review

SelfyConto issues a debit card, so payments come straight out of the account balance rather than a separate card balance. It is an account from Banca Mediolanum S.p.A. rather than a standalone travel money card, and the setup centres on multi currency and travel use. Spending, saving and withdrawals all run through the same account.

The card runs on mastercard, a network accepted for everyday and travel spending across most markets. The account pairs that network with multi currency and travel features, and help is available through chat and help centre if a payment is declined. Cash behaves differently, with a free ATM allowance of €0.

The free ATM allowance on SelfyConto is €0, so cash is worth budgeting for. For comparison, Monzo Flex allows £200 and Wise allows £250 in free withdrawals. Starling's personal account debit card matches this account with £0.

The account is operated by Banca Mediolanum S.p.A., a bank headquartered in Italy and founded in 1997. That makes the provider behind the card an established bank rather than a new entrant, and account servicing sits with the same institution. The card itself is a debit card on mastercard.

Support runs on chat and help centre, so chat and the help centre carry the account. Both channels sit with Banca Mediolanum S.p.A., the bank behind SelfyConto, and it helps to have the help centre open before a payment or withdrawal looks wrong. Card questions and account questions go to the same desk.

Yes, multi currency and travel sit at the centre of the account, and the debit card follows the same idea. The setup suits people who hold euros and pay in other currencies, and the mastercard card is accepted in the places travellers usually spend. The free ATM allowance of €0 is the part to watch.

It suits euro holders who travel or buy in other currencies, and existing customers of Banca Mediolanum S.p.A. who want the multi currency and travel setup. The account suits people who are comfortable checking the free ATM allowance of €0 themselves before taking cash out. Card spenders get more out of it than cash users.