Absa Seychelles review

The account carries a monthly fee of SCR 0. That makes it one of the cheaper ways to hold everyday banking, since there is no recurring charge to budget for, and the card still comes with the full perk list rather than a bare product.

Two labels sit on this product. The card itself is a debit card, and the banking product is listed as credit. Spending runs off the balance in the account, while the same bank also offers credit cards within its personal range.

Absa Bank Seychelles Limited is licensed by the Central Bank of Seychelles, the country's banking regulator, and the bank has operated since 1959. The card also brings its own safety net in the shape of GCAS emergency services and emergency replacement and cash.

The card covers the practical jobs: tap and go payments, card management inside the mobile app, quick card blocking when the card goes missing, and emergency replacement and cash through GCAS emergency services. It is a debit card, so spending draws on the account balance.

Help comes on email, phone and help centre. A blocked card can be reported by phone or by email, and there is a help centre for anything that needs a written answer. Live chat is not part of the mix, so urgent problems move faster by phone.

Monthly cost is a tie: the alternatives listed here each show a monthly fee of $0, £0 and $0. The decision then comes down to product type, a debit bank card with a licensed bank behind it or a secured credit card that builds credit.

Anyone living in SC who wants everyday spending and cash access without a monthly charge, plus fast card blocking from the mobile app when the card goes missing. Borrowers get less from it, since the card is debit and the credit product is a separate line in the range.

Absa Bank Seychelles Limited has traded since 1959 and is headquartered in Seychelles. A long history counts for a local account, where cash access and a staffed help centre matter as much as the app for card controls.