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Aur review

Updated September 28, 2026 · DebitCue Editorial Team · Facts checked September 26, 2026

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Our verdict

Aur is an Icelandic Visa debit card from Kviku banki hf. that suits everyday spending and travellers who want a virtual card with no monthly or annual charge, though the 2.6% currency conversion fee sits above the 1% site median.

Key facts

Best for
Icelandic residents who want a fee free Visa debit card with a virtual card for online and travel use.
Monthly fee
ISK 0 (Source, checked September 26, 2026)
Currency conversion fee
2.6% (Source, checked September 26, 2026)
Card type
Debit (Source, checked September 26, 2026)
Card network
Visa (Source, checked September 26, 2026)
Legal entity
Kviku banki hf. (Source, checked September 26, 2026)
Headquarters
Iceland (Source, checked September 26, 2026)
Support channels
Email, Phone (Source, checked September 26, 2026)
Features
Virtual card, Travel
Official website
aur.is

Credit cards

Annual fee
ISK 0 (Source, checked September 26, 2026)
Currency conversion fee
2.6% (Source, checked September 26, 2026)
Rewards type
Points (Source, checked September 26, 2026)
Rewards rate
2.6% Klink back on foreign debit spend (Source, checked September 26, 2026)
Legal entity
Kviku banki hf. (Source, checked September 26, 2026)
Headquarters
Iceland (Source, checked September 26, 2026)
Support channels
Email, Phone (Source, checked September 26, 2026)
Pricing model
No annual fee
Features
Virtual card, Travel

Apps and profiles

Get the app
App Store

Pros and cons

Pros

  • Monthly fee of ISK 0 and annual fee of ISK 0 mean holding the account adds nothing to your budget
  • Foreign debit spend earns 2.6% Klink back on foreign debit spend in Klink points, a small earn back on travel spending
  • A virtual card is included, which keeps online payments separate from the main card
  • Support reaches you by email and phone, so phone and email are both covered

Cons

  • The currency conversion fee of 2.6% is higher than the 1% site median and the 2% travel ranking upper quartile
  • Rewards are paid as points, so Klink points only pay back on foreign debit spend
Aur

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Scored 8.9 / 10 by DebitCue.

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Who it suits

  • Icelandic residents who pay day to day bills and want a plain Visa debit card
  • Travellers from Iceland who want a virtual card for online bookings and a small earn back on foreign spend
  • Points earners who are happy to collect Klink points rather than cashback

Who should look elsewhere

  • Frequent foreign spenders who want a lower currency conversion fee, where Wise may suit better
  • Anyone wanting a credit card with an annual fee rebate, where Varo Believe Secured Credit Card is an alternative
  • US customers looking for a Chime style secured card, where Chime Card is the alternative to compare

How it compares on our data

Aur ranks 1 of 419 brands on monthly fee, since the fee is ISK 0. On currency conversion the position is 204 of 259, which reflects a conversion fee of 2.6% against a site median of 1% and a debit category upper quartile of 2.5%. So Aur is hard to beat on holding costs and weaker on travel conversion.

How Aur compares

Where Aur is available

Available
Iceland

Countries from the brand (Source, checked September 26, 2026)

Frequently asked questions

What does Aur cost to hold?+

The monthly fee is ISK 0 and the annual fee is ISK 0, so there is nothing to pay for keeping the account open. That puts Aur at the top of our monthly fee ranking at 1 of 419 brands.

What is the currency conversion fee on Aur?+

Aur charges 2.6% on currency conversion. The site median is 1% and the debit category upper quartile is 2.5%, so this sits in the dearer part of the market for anyone paying in another currency.

Does Aur give any reward on spending?+

Foreign debit spend earns 2.6% Klink back on foreign debit spend, and the rewards are structured as points. The earn is tied to foreign spend rather than everyday purchases, so most card use earns nothing back.

What kind of card does Aur issue?+

Aur issues a debit card on the visa network, and a virtual card is part of the offer. The virtual card is useful for online bookings and for keeping subscription payments off the main card.

How do I get help from Aur?+

Support runs on email and phone, which covers both phone and email. Phone support is the more common channel across the brands we track, at 67.3%, so a call is a realistic route.

Who runs Aur and where is it based?+

The account is operated by the legal entity Kviku banki hf. and the brand is based in Iceland. It is an Icelandic account, which is the main limit on who can open one.

Is Aur a good fit for travel spending?+

The account is built for travel, with a virtual card and a 2.6% Klink back on foreign debit spend earn on foreign debit spend. The 2.6% conversion fee is the counterweight, so heavy foreign use is where the cost shows.

Sources

  • aur.is checked September 26, 2026

    Backs: Features, Headquarters, Legal entity

    “Þú getur notað kortið strax í Apple Pay eða Google Pay”

  • aur.is/gengi-gjaldmidla checked September 26, 2026

    Backs: Currency conversion fee, Card network

    “byggt á grunngengi VISA - Aur kort”

  • aur.is/hafa-samband checked September 26, 2026

    Backs: Support channels

    “aur@aur.is Sími: 519-8070”

  • aur.is/kort-reikningar checked September 26, 2026

    Backs: Card type, Rewards rate, Rewards type

    “Vertu með hagstæðasta debetkortið - Aur Núll áskrift (Debetkort)”

  • aur.is/spurt-svarad checked September 26, 2026

    Backs: Pricing model

  • aur.is/verdskra checked September 26, 2026

    Backs: Annual fee, Monthly fee

    “Aur Núll áskrift (Debetkort) 0 kr.”

Compiled from 6 source pages, checked September 26, 2026. We did not open an account.

Not confirmed yet: Free ATM withdrawals, Protection.

Aur

Aur

Icelandic residents who want a fee free Visa debit card with a virtual card for online and travel use.

8.9/10See alternatives