Taishin Richart review
Updated September 28, 2026 · HodlCue Editorial Team · Facts checked September 26, 2026
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Our verdict
Taishin Richart suits anyone wanting a plain debit card for everyday spending and travel in Taiwan, with a monthly fee of TWD 0 and a conversion fee of 0%. The offer is thin beyond that, resting on a cashback rate of 0.5%.
Key facts
- Best for
- A free debit card for everyday spending and travel in Taiwan.
- Monthly fee
- NT$0↗
- Currency conversion fee
- 0%↗
- Card type
- Debit↗
- Cashback rate
- 0.5%↗
- Card network
- Mastercard↗
- Currencies
- 13↗
- Legal entity
- Taishin International Commercial Bank↗
- Headquarters
- Taiwan↗
- Features
- Multi-currency, Travel
- Official website
- richart.tw
Facts checked September 26, 2026, 4 sources
Pros and cons
Pros
- A monthly fee of TWD 0, so the account is free to keep open
- A currency conversion fee of 0% on what you spend abroad
- Cashback of 0.5% added to the spending you already do
- Multi-currency and travel features, with 13 currencies available to hold and spend
Cons
- Cashback of 0.5% is modest next to dedicated travel cards
- 13 currencies is a narrow set for people who move money across many markets
Ready to try Taishin Richart?
Scored 9.3 / 10 by HodlCue.
Who it suits
- People living in TW who want a debit card with no monthly charge
- Travellers who spend in several of the 13 currencies the account holds
- Anyone who keeps one bank balance for everyday spending and holidays
Who should look elsewhere
- Wise, if you hold more currencies than the 13 offered here
- Monzo Flex, if you want more extras and plan features from the account
- Bitpanda, if buying and holding crypto matters more than card spending
Trading and withdrawal fees
The account carries a monthly fee of TWD 0, so keeping it open costs nothing month after month. That makes the card easy to hold as a spare card for travel spending. Converting between the balances you hold is charged at a fee of 0%, and every foreign purchase is priced on that rate. With no monthly charge to set against it, the conversion rate is the only line that moves the cost of a trip.
How Taishin Richart compares
9.3 vs 9.4
9.3 vs 9.0
9.3 vs 8.2
9.3 vs 9.5
9.3 vs 9.6
9.3 vs 9.0
9.3 vs 9.1Its monthly fee is €0, and it suits readers who want a card from a provider built around crypto.
9.3 vs 8.9
9.3 vs 8.1
9.3 vs 8.2
9.3 vs 9.5
9.3 vs 9.4
9.3 vs 9.2
9.3 vs 9.1
9.3 vs 9.0
9.3 vs 8.9- 9.3 vs 8.8
9.3 vs 8.8
9.3 vs 8.6
9.3 vs 8.5
9.3 vs 8.3
Where Taishin Richart is available
- Available
- Taiwan
Countries from the brand (Source, checked September 26, 2026)
Frequently asked questions
What does Taishin Richart cost to hold?+
The monthly fee is TWD 0, so there is nothing to pay for keeping the account open. Spending on the card is the main way the account earns for you, through cashback at 0.5%.
What does it cost to change currency?+
The currency conversion fee is 0%, so converting between the 13 supported currencies adds close to nothing to the rate you get. That makes card spending abroad inexpensive on the fee side.
What kind of card is it?+
It is a debit card on the mastercard network, issued by Taishin International Commercial Bank. A debit card spends the balance you already hold, so there is no credit line to manage.
Who is behind the card?+
The account is provided by Taishin International Commercial Bank, which is based in Taiwan. It is a bank account rather than a crypto platform, so your money sits with the bank instead of in a crypto wallet.
How many currencies can I hold?+
The account supports 13 currencies and is built for multi currency and travel use. That covers common travel currencies, though it is a smaller set than some multi-currency providers. Travellers with more markets in mind may find the choice narrow.
Who is this card for?+
It fits residents of TW who want everyday spending on a debit card with a monthly fee of TWD 0. It also works for travel, since the currency conversion fee is 0%.
Does it pay any rewards?+
Yes, spending earns cashback at a rate of 0.5%. That is a modest return, so people who chase higher rewards on card spend may prefer a dedicated rewards card. There is no monthly charge to weigh against it, since the fee is TWD 0.
Can I buy crypto with it?+
This is a bank account and debit card rather than a crypto exchange, so the offer stops at spending and currency holding. If buying and holding crypto matters to you, a provider built for that serves you better.
Sources
- richart.tw/TSDIB_RichartWeb/FrExpertise/About checked September 26, 2026
Backs: Headquarters, Legal entity
“The first and largest digital bank in Taiwan - Richart”
- richart.tw/TSDIB_RichartWeb/FrProducts/DebitCard checked September 26, 2026
Backs: Card type, Cashback rate, Monthly fee
“Earn 0.5% cash back with no limitation on everyday purchases in Taiwan - Richart Debit Card”
- richart.tw/TSDIB_RichartWeb/FrProducts/ForeignCurrency checked September 26, 2026
Backs: Currencies, Currency conversion fee
“Support up to 13 currencies - Multiple Currency Account”
- richart.tw/TSDIB_RichartWeb/RC25/RC250000 checked September 26, 2026
Backs: Features, Card network
“Manage 13 currencies easily in one place - Richart account”
Compiled from 4 source pages, checked September 26, 2026. We did not open an account.
Not confirmed yet: Free ATM withdrawals, Protection.