Sparda-Bank Hamburg review

The card carries a monthly fee of €0, the same figure Monzo Flex lists at £0 and Wise at £0. That makes it one of the cheaper ways to hold and use a card day to day, and it places the bank at position 1 on monthly fee among the brands compared here.

It is a debit card, so it draws on the balance in your current account rather than on money loaded onto the card in advance. Debit is also the most common card type in this field, at 73.4% across the site and 74.7% in this category.

The card runs on the mastercard network, so it is accepted wherever Mastercard cards are taken. Mastercard covers 36.9% of the cards in this category and 38.9% across the site, so acceptance is broad, though the largest group in this category uses a different network.

The legal entity is Sparda-Bank Hamburg eG, a co-operative based in Germany. Co-operative status means the members own the bank, which is the main structural difference between it and the fintechs and card issuers you may set it against.

Cost is the only score part available here, and it reads 6. The overall picture across the site sits at 6, so a fee free card does not make an account cheap on every measure. Work out what your own spending needs are before you choose.

Not through the card itself. It is a debit card from a DE bank, so it covers a single market and spends ordinary bank balance. The crypto cards in this category run on custodial balances, which is 67.2% of them.

Not at all. The median monthly fee here is €0, the upper middle of the range is €0, and the top of the range is €148.23. Paying for a card therefore needs a clear reason.

It belongs to a current account rather than a standalone wallet, so the debit card and the account come as one package from Sparda-Bank Hamburg eG. The monthly fee on the card arrangement is €0, and spending comes out of the account you already hold.