Viabuy review
Updated September 28, 2026 · HodlCue Editorial Team · Facts checked September 26, 2026
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Our verdict
Viabuy suits anyone who already holds euros and spends them across the eurozone, since the balance sits on a prepaid card rather than drawing down an account. The catch sits in the numbers: a monthly fee of €9.95 applies to every account, and a currency conversion fee of 2.75% makes foreign spending costly.
Key facts
- Best for
- Eurozone spending with euro balances, where cash withdrawals and Mastercard acceptance matter more than holding many coins.
- Monthly fee
- €9.95↗
- Currency conversion fee
- 2.75%↗
- Free ATM withdrawals
- €5↗
- Card type
- Prepaid↗
- Top-up fee
- 0.9% SEPA transfer↗
- Card network
- Mastercard↗
- Official website
- viabuy.com
Facts checked September 26, 2026, 1 source
Apps and profiles
- Get the app
- Google Play
Pros and cons
Pros
- Free ATM withdrawals up to €5 each month, which beats a typical card allowance in the comparison.
- The card is a prepaid card on the mastercard network, so it is accepted at ordinary retail terminals.
- Loads come with a modest fee of 0.9% SEPA transfer, well below a bank transfer at a typical provider.
- A monthly fee of €9.95 applies to every plan, with no paid tier to upgrade to or downgrade from.
Cons
- A monthly fee of €9.95 is charged regardless of how much you spend, so an inactive account still costs.
- The currency conversion fee of 2.75% applies on spending outside the euro, and ranks near the back of the cards compared.
- A load fee of 0.9% SEPA transfer is added on top of the monthly fee and the conversion fee, so several small charges stack up.
Who it suits
- Eurozone residents who mostly spend in the currency the card is denominated in.
- Anyone who values free ATM withdrawals up to €5 over holding a wide coin selection.
- People who want a plain card to tap with, since the card is a prepaid card on the mastercard network.
Who should look elsewhere
- Monzo Flex, Wise and Bitpanda list a monthly fee of £0, £0 and €0, so they suit anyone who wants to avoid a standing charge.
- Wise suits frequent foreign spending, since the conversion fee here is 2.75% and ranks near the back of the cards compared.
- Bitpanda suits buyers who want coin selection alongside a card, where this card is built around a balance rather than a trading platform.
Trading and withdrawal fees
The cost starts before any spending. A monthly fee of €9.95 applies to the account, and the currency conversion fee of 2.75% applies on top of that. Adding to the balance carries its own fee of 0.9% SEPA transfer, so a eurozone spender pays the standing monthly charge and nothing else, while anyone converting or topping up regularly pays all three lines at once. None of these are on a paid tier, so there is no cheaper plan to move to.
Where it sits among rivals
Against the cards compared here, the monthly fee of €9.95 sits near the back of the ranking, at position 363 of 379. The currency conversion fee of 2.75% is also near the back, at position 193 of 237. Free ATM withdrawals of €5 place the card much closer to the front, at position 33 of 104. The pattern is consistent: good on cash, weak on charges.
How Viabuy compares
8.7 vs 9.4
8.7 vs 9.0
8.7 vs 8.2
8.7 vs 9.5
8.7 vs 9.6
8.7 vs 9.0
8.7 vs 9.1A monthly fee of €0 and a card bundled with a trading platform, which suits readers who want to buy coins as well as tap with them.
8.7 vs 8.9
8.7 vs 8.1
8.7 vs 8.2
8.7 vs 9.5
8.7 vs 9.4
8.7 vs 9.2
8.7 vs 9.1
8.7 vs 9.0
8.7 vs 8.9- 8.7 vs 8.8
8.7 vs 8.8
8.7 vs 8.6
8.7 vs 8.5
8.7 vs 8.3
Frequently asked questions
What does Viabuy cost each month?+
A monthly fee of €9.95 applies to the account. It is the standing charge that sets this card apart from free plans, and it does not depend on how much you spend, so a lightly used account pays the same as a busy one.
What does it cost to convert currency?+
The currency conversion fee is 2.75%, and it is charged on spending in a currency other than the one the card holds. That sits near the back of the cards compared here, at position 193 of 237.
Is there a fee for loading the card?+
Yes, a load fee of 0.9% SEPA transfer applies when you add money to the account. It is separate from the monthly fee, so frequent top-ups add a third line to what the card costs you.
How many free ATM withdrawals are included?+
Free ATM withdrawals run up to €5 each month. That is the strongest point for this card, placing it at position 33 of 104 on free withdrawals, ahead of most of the cards compared.
What kind of card is it and what network does it run on?+
It is a prepaid card on the mastercard network, so it is a physical card you load with money rather than a card linked to a bank current account. You spend the balance you have added.
Does Viabuy offer a free plan?+
No. A monthly fee of €9.95 applies on the only plan, and there is no free tier or paid upgrade to compare it against. Readers who want no standing charge should look at Monzo Flex, Wise or Bitpanda, which list a monthly fee of £0, £0 and €0.
Is my money protected by a compensation scheme?+
The card is described as a prepaid card, which means the balance is held as funds you load rather than as a bank deposit. A balance left on the card sits with the provider, so keep only what the card is meant to cover.
Is this a good card for a eurozone spender?+
It suits that pattern, since the account is euro denominated and a currency conversion fee of 2.75% applies once spending leaves the euro. The monthly fee of €9.95 is what makes it a poor fit for anyone who rarely taps the card.
Sources
- viabuy.com/pricing checked September 26, 2026
Backs: Free ATM withdrawals, Card type, Currency conversion fee, Top-up fee, Monthly fee, Card network
“VIABUY Prepaid Mastercard - main retail product”
Compiled from 1 source page, checked September 26, 2026. We did not open an account.
Not confirmed yet: Protection.
Viabuy
Eurozone spending with euro balances, where cash withdrawals and Mastercard acceptance matter more than holding many coins.