Up review

The monthly fee is AUD 0 and the currency conversion fee is 0%, so holding the card adds no monthly or conversion cost. Up ranks 1 on the monthly fee and 1 on conversion among the brands listed here, which is the cost profile readers shopping at the top of the tables look for.

The free ATM allowance is AUD 0, so there is no charge for withdrawing cash. If a machine declines a withdrawal, support runs on email, chat and phone, so the card can be sorted with a phone call or a chat message rather than left unusable.

It is not. Up is a debit card issued by Bendigo and Adelaide Bank Limited and the features listed are travel and virtual card, so spending draws on a bank balance and no digital assets sit on the account. Buyers who want crypto-linked card spending should read the crypto card options instead.

Up is issued by Bendigo and Adelaide Bank Limited, a bank based in Australia. The account runs under an Australian credit licence and the National Credit Code, licence 237879, so the credit side is licensed and the card sits with a bank rather than a crypto platform.

Support runs on email, chat and phone, so you can reach the team by phone or chat, send a question by email, or check the help centre first. The phone and chat routes matter when a card is blocked while travelling, and the help centre holds the routine answers on fees and limits.

It is a debit card on the mastercard network, with travel and virtual card among the listed features for travel and online use. A debit card spends what sits in the account, so the balance has to cover each payment rather than drawing on a revolving credit balance.

The account is based in Australia and travel and virtual card includes travel among the features, so using the card away from home is part of the design. Because the conversion fee is 0%, overseas spending does not add a currency conversion charge to the bill.

On the monthly fee the three alternatives sit alongside Up: £0 at Monzo Flex, £0 at Wise and €0 at Bitpanda, against AUD 0 here. None of them costs more to hold, so the pick comes down to currency market, support and whether crypto spending matters.