Advanzia Bank review
Updated September 28, 2026 · DebitCue Editorial Team · Facts checked September 26, 2026
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Our verdict
Advanzia Bank issues a free Mastercard credit card aimed at frequent travellers who want travel perks with nothing to pay to hold it. With an annual fee of €0 and a currency conversion fee of 0%, it ranks 1 of 301 brands on annual fee.
Key facts
- Best for
- Holidaymakers and rental car bookers who want cashback and travel insurance with no fee to hold the card.
- Annual fee
- €0
- Currency conversion fee
- 0%
- Rewards type
- Cashback
- Rewards rate
- 5% back on rental car bookings, 5% travel credit on bookings
- Perks
- Up to 7 weeks interest-free payment target, Travel insurance included, Free 24h customer service, 1.7 million ATMs and 35 million acceptance points worldwide, Mobile payment with Google Pay, Apple Pay and Garmin Pay, Advanzia mobile app, No minimum spend
- Card kind
- Credit
- Legal entity
- Advanzia Bank S.A. (Source, checked September 26, 2026)
- Headquarters
- Luxembourg (Source, checked September 26, 2026)
- Founded
- 2005 (Source, checked September 26, 2026)
- Support channels
- Phone
- Pricing model
- No annual fee
- Features
- Rewards
- Official website
- advanzia.com
Debit cards
- Monthly fee
- €0 (Source, checked September 26, 2026)
- Currency conversion fee
- 0%
- Card network
- Mastercard (Source, checked September 26, 2026)
- Legal entity
- Advanzia Bank S.A. (Source, checked September 26, 2026)
- Headquarters
- Luxembourg (Source, checked September 26, 2026)
- Founded
- 2005 (Source, checked September 26, 2026)
- Support channels
- Phone
- Features
- Rewards
Pros and cons
Pros
- Both holding costs are nil: the annual fee is €0 and the monthly fee is €0.
- The currency conversion fee is 0%, which ranks 1 of 181 brands on the site.
- The reward is cashback rather than points, so the cash comes back as spend happens.
- Extras come as standard, including travel insurance, a wide ATM network and no minimum spend: up to 7 weeks interest free payment target, travel insurance included and free 24h customer service.
Cons
- Support runs on phone only, so there is no email or live chat route.
- The earn is narrow, because 5% back on rental car bookings, 5% travel credit on bookings leaves everyday shopping earning nothing.
- The card runs on mastercard alone, so a terminal that takes only Visa will not work.
Who it suits
- People who pay in several currencies and want a conversion fee of 0% on what they spend abroad.
- Travellers who book trips and hire cars, since the cashback is cashback on that spending.
- Holders who prefer paying by phone, the channel listed for phone, and like round-the-clock service.
Who should look elsewhere
- Varo Believe Secured Credit Card, whose annual fee is $0, if you want a secured card rather than travel rewards.
- Wise, whose annual fee is £0, if the priority is holding and converting money across accounts.
- Chime Card, whose annual fee is $0, if you would rather hold a secured Visa credit card.
How Advanzia Bank compares
9.0 vs 9.4
9.0 vs 9.0
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9.0 vs 8.5
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9.0 vs 8.8
9.0 vs 8.7
9.0 vs 9.2
9.0 vs 9.0
9.0 vs 8.9
9.0 vs 8.8
9.0 vs 9.6
9.0 vs 9.4
9.0 vs 9.4
9.0 vs 9.2
9.0 vs 9.1
9.0 vs 9.1
9.0 vs 9.1
9.0 vs 9.1
9.0 vs 8.8
9.0 vs 8.8- 9.0 vs 8.8
- 9.0 vs 8.8
9.0 vs 8.8- 9.0 vs 8.8
9.0 vs 8.5
9.0 vs 8.5
9.0 vs 8.5
9.0 vs 8.3
9.0 vs 8.2
9.0 vs 8.0
9.0 vs 8.0
Where Advanzia Bank is available
- Available
- Germany
Countries from the brand (checked September 26, 2026)
Frequently asked questions
What does the Advanzia Bank card cost to hold?+
The annual fee is €0 and the monthly fee is €0, so there is no charge for keeping the account open. There is no minimum spend on the card either, which sits among the terms in up to 7 weeks interest free payment target, travel insurance included and free 24h customer service. Pay the balance in full and the card costs nothing to run.
What does it cost to spend in another currency?+
The currency conversion fee is 0%, and on this measure the card ranks 1 of 181 brands. The median conversion fee across the site is 1%, so charging nothing sets it apart for anyone paying in several currencies.
What rewards does the card pay?+
The reward type is cashback and the rate is 5% back on rental car bookings, 5% travel credit on bookings. The earn sits on travel rather than everyday spend, so a shopper who never books trips or cars would take very little back. For a traveller it works as a small offset on holiday spending.
How does the interest free period work?+
This is a credit card, and the interest free payment target is one of the terms listed in up to 7 weeks interest free payment target, travel insurance included and free 24h customer service. Clear what you owe inside that window and you pay nothing on the balance, while a balance left above it is charged as on any credit card.
Who issues the card and where is it accepted?+
The card is issued by Advanzia Bank S.A. and sits on the mastercard network, so it is usable wherever that network is accepted. The same list of terms in up to 7 weeks interest free payment target, travel insurance included and free 24h customer service sets out the acceptance points and ATMs available to holders, at home and abroad.
Which apps and wallets can be used?+
Mobile payment with Google Pay, Apple Pay and Garmin Pay is included, and a mobile app for the bank appears in up to 7 weeks interest free payment target, travel insurance included and free 24h customer service. That matters on a trip, since the balance can be checked and the interest free payment target watched without reaching for the plastic card.
How do I get help when something goes wrong?+
Support runs on phone, with free round the clock service listed among up to 7 weeks interest free payment target, travel insurance included and free 24h customer service. Because it is one channel, anyone who prefers email or chat should weigh that before applying and keep a note of the calls they make.
Who does this card suit?+
It suits people who travel, book rental cars and want cashback while paying €0 a year and 0% in conversion fees. It suits local everyday spend less well, since the earn in 5% back on rental car bookings, 5% travel credit on bookings is tied to travel bookings.
Sources
- advanzia.com checked September 26, 2026
Backs: Legal entity
“Advanzia Bank S.A.”
- en.wikipedia.org/wiki/Advanzia_Bank checked September 26, 2026
Backs: Founded, Headquarters
“established in 2005 in Luxembourg”
- giromatch.com/en/review/mastercard-gold-advanzia checked September 26, 2026
Backs: Monthly fee, Card network
“Advanzia Mastercard Gold Review: No Annual Fee Card”
Compiled from 3 source pages, checked September 26, 2026. We did not open an account.
Not confirmed yet: APR.
Advanzia Bank
Holidaymakers and rental car bookers who want cashback and travel insurance with no fee to hold the card.