Belfius review

The monthly fee is €0, so keeping the account open costs you nothing day to day. That places Belfius at rank 1 out of 419 on this measure, so it sits at the front of the field on cost.

The free ATM allowance is €0, so no cash withdrawals are included with the account. Belfius ranks 41 out of 115 on free ATM withdrawals, which is a fair way down the field. If you take money out often, weigh that before applying.

It is a debit card, so spending comes straight from your account balance and nothing is lent to you. You get a plain everyday card for daily use, without a credit offer or a rewards scheme attached to it.

The account is set up with kids in mind and is listed under the kids audience, so it is a sensible first card for a child with a parent holding the account. It works just as well for adults who want a Mastercard card and a monthly fee of €0.

The card runs on the mastercard network, so it can be used wherever Mastercard is accepted in a shop or at a cash machine. Because the card type is debit, every payment comes out of your balance, which keeps the cost side simple.

On monthly fee the rank is 1 out of 419, the strongest showing in the group. On free ATM withdrawals it falls to 41 out of 115. The overall score is 6, so the card is cheap to run and light on extras.

All four charge no monthly cost: Belfius at €0, Varo Believe Secured Credit Card at $0, Wise at £0 and Chime Card at $0. The choice then comes down to the card itself, since Belfius is a debit card set up with kids in mind.