T-Kash Soko review

The monthly fee is KES 0, so the card carries no running charge. Loading money onto it is free. Spending then depends on where you use the card, since it runs on a local network in Kenya.

It is a prepaid card, so you top the balance up and spend from what you have loaded rather than borrowing. The card runs on a local network and is aimed at payments made in Kenya, where the account is priced. The monthly fee is KES 0.

Support runs on phone and help centre only, so the listed routes are a phone line and the help centre rather than chat or email. Both sit with Telkom Kenya Limited, the Kenyan company that issues the card and sets the terms behind it.

The account covers a single currency, 1, and it is priced in Kenya. That suits people who spend locally, but it means there is no multi-currency balance to hold or convert. Wise is the fit for anyone keeping several currencies at once.

The card is issued by Telkom Kenya Limited, a company registered in Kenya, and the account is a domestic Kenyan product rather than a multi-market service. It is a prepaid card on a local network, so its reach is shaped by that home market.

It suits people in Kenya who want a prepaid card for everyday payments and are content with a single currency, 1. It does not suit travellers or anyone keeping balances in several currencies, where Wise fits better.

Monthly cost is where they match: T-Kash Soko KES 0, Monzo Flex £0, Wise £0 and Bitpanda €0, each in its own currency. The real differences are market, currency and network.

The card runs on a local network and the account is priced in Kenya, so it is built for domestic payments. Since the balance sits in a single currency, 1, there is no foreign balance to draw on when you travel. A monthly fee of KES 0 does not change that.