Zeller review

The monthly fee is AUD 0. That is the only plan charge listed for the card, so holding it costs nothing per month. Running costs can still come from other places, and the account is built for business use, so check what your own spending triggers.

It is a debit card, so spending draws on the money sitting in the business account rather than a prepaid balance you top up. It runs on the mastercard network, which is accepted widely at home and in other markets.

The card is aimed at business users, so sole traders, limited companies and small teams are the natural fit. Personal accounts sit outside that scope, and a personal card from Monzo Flex or Wise may serve everyday banking better.

The listed feature set covers virtual card and travel, so a virtual card sits alongside travel use. The virtual card is the practical one for online subscriptions and staff purchases you would rather not tie to the main card.

Support runs through help centre, so most questions are answered in written form. Budget extra time for a reply and keep card details to hand, since there is no listed phone line for urgent card blocks.

Travel forms part of the listed features, so the card is built to be used abroad. It runs on mastercard, the network behind most international card acceptance. Currency conversion and other card charges sit apart from the monthly fee.

On plan fees Zeller matches the alternatives: AUD 0 for Zeller, £0 for Monzo Flex and £0 for Wise. The difference is what each card is for, with Zeller aimed at business accounts rather than general personal banking.

Protection terms are not set out in the published pricing and card details, and no regulator is named for Zeller. The details given stop at the monthly fee of AUD 0, the debit card and the mastercard network, so ask the provider about safeguarding before holding larger balances.