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Editor's shortlist

Best debit cards

Everyday debit cards with low fees, broad ATM access, and modern banking features.

Same-footing scoring Independent and unbiased Free to use

52 cards

Ranked on the same footing - we may earn a commission.

Trade Republic Debit card
Trade Republic Card Mirror
Cash back
VISA
5.0 5.0 out of 5
Best for rewards
Debit card Trade Republic - Visa

Trade Republic Card Mirror

10.0/10

The premium mirror-finish metal Visa debit card — same rewards, standout design.

Cash back No FX fee
Fee
No fee
Foreign fee
None
Type
Debit card

Why we like it

  • 1% Saveback on eligible card spending (up to €1,500/month,…
  • Welcome bonus
  • No card fee
  • No foreign transaction fees
Apply now On Trade Republic's secure site View details
Vivid Money Debit card
Vivid Standard
Cash back
VISA
4.8 4.8 out of 5
Best for rewards
Debit card Vivid Money - Visa

Vivid Standard

9.6/10

Free everyday banking with cashback and global payments

Cash back No FX fee
Fee
No fee
Foreign fee
None
Type
Debit card

Why we like it

  • Up to €20/month cashback on card purchases across up…
  • Welcome bonus
  • No card fee
  • No foreign transaction fees
Apply now On Vivid Money's secure site View details
Zopa Bank Debit card
Biscuit by Zopa
Cash back
VISA
4.7 4.7 out of 5
Best for rewards
Debit card Zopa Bank - Visa

Biscuit by Zopa

9.4/10

Free current account with 2% cashback on bills and 2% AER on your balance

Cash back No FX fee
Fee
No fee
Foreign fee
None
Type
Debit card

Why we like it

  • 2% cashback on eligible Direct Debit bill payments, on…
  • No card fee
  • No foreign transaction fees
Apply now On Zopa Bank's secure site View details
Vivid Money Debit card
Vivid Prime
Cash back
VISA
4.6 4.6 out of 5
Best for rewards
Debit card Vivid Money - Visa

Vivid Prime

9.2/10

Premium metal Visa card with maximum cashback and global ATM access

Cash back No FX fee
Fee
€7.9 EUR/mo (≈ $8)
Foreign fee
None
Type
Debit card

Why we like it

  • Up to €100/month cashback on card purchases across up…
  • Welcome bonus
  • No foreign transaction fees
Apply now On Vivid Money's secure site View details
Monzo Debit card
Monzo Max
Cash back
MASTERCARD
4.5 4.5 out of 5
Best for travel insurance
Debit card Monzo - Mastercard

Monzo Max

9.0/10

The fully loaded account with travel and phone cover

Cash back No FX fee
Fee
£17 GBP/mo (≈ $21)
Foreign fee
None
Type
Debit card

Why we like it

  • All Perks-tier rewards plus: 3.25% AER on savings pots,…
  • No foreign transaction fees
  • Travel insurance included
Apply now On Monzo's secure site View details
N26 Debit card
N26 Go
Cash back
MASTERCARD
4.4 4.4 out of 5
Best for lounge access
Debit card N26 - Mastercard

N26 Go

8.8/10

Travel-first banking with unlimited global ATM withdrawals and Allianz insurance

Cash back No FX fee
Fee
€9.9 EUR/mo (≈ $11)
Foreign fee
None
Type
Debit card

Why we like it

  • 1% cashback on card purchases made outside the EEA,…
  • No foreign transaction fees
  • Airport lounge access
  • Travel insurance included
Apply now On N26's secure site View details
Monzo Debit card
Monzo Perks
Cash back
MASTERCARD
4.3 4.3 out of 5
Best for rewards
Debit card Monzo - Mastercard

Monzo Perks

8.6/10

Everyday perks baked into your bank account

Cash back No FX fee
Fee
£7 GBP/mo (≈ $9)
Foreign fee
None
Type
Debit card

Why we like it

  • All Extra-tier cashback and savings features, plus lifestyle perks:…
  • No foreign transaction fees
Apply now On Monzo's secure site View details
N26 Debit card
N26 Metal
Cash back
MASTERCARD
4.3 4.3 out of 5
Best for lounge access
Debit card N26 - Mastercard

N26 Metal

8.6/10

Premium 16g stainless-steel Mastercard with comprehensive insurance and top savings rates

Cash back No FX fee
Fee
€16.9 EUR/mo (≈ $18)
Foreign fee
None
Type
Debit card

Why we like it

  • 1% cashback on card purchases made outside the EEA,…
  • No foreign transaction fees
  • Airport lounge access
  • Travel insurance included
Apply now On N26's secure site View details
Vivid Money Debit card
Vivid Plus
Cash back
VISA
4.3 4.3 out of 5
Best for rewards
Debit card Vivid Money - Visa

Vivid Plus

8.6/10

Mid-tier plan with higher cashback and free virtual card

Cash back No FX fee
Fee
€6.9 EUR/mo (≈ $7)
Foreign fee
None
Type
Debit card

Why we like it

  • Up to €50/month cashback on card purchases across up…
  • No foreign transaction fees
Apply now On Vivid Money's secure site View details
Monzo Debit card
Monzo Extra
Cash back
MASTERCARD
4.2 4.2 out of 5
Best for rewards
Debit card Monzo - Mastercard

Monzo Extra

8.4/10

More tools to make your money work harder

Cash back No FX fee
Fee
£3 GBP/mo (≈ $4)
Foreign fee
None
Type
Debit card

Why we like it

  • All free-tier retailer cashback offers plus 5% AER on…
  • No foreign transaction fees
Apply now On Monzo's secure site View details
HDFC Bank Debit card
HDFC Bank Platinum Debit Card
Cash back
VISA
3.9 3.9 out of 5
Best for lounge access
Debit card HDFC Bank - Visa

HDFC Bank Platinum Debit Card

7.8/10

Premium debit card with golf privileges, lounge access, and lifestyle benefits

Cash back
Fee
₹850 INR/yr (≈ $10)
Foreign fee
3.5%
Type
Debit card

Why we like it

  • 1 CashBack Point per ₹200 on groceries, supermarkets, apparel,…
  • Airport lounge access
  • Travel insurance included
Apply now On HDFC Bank's secure site View details

Browse by issuer

Banks and fintechs we cover

All issuers
A Advanzia Bank S.A. A American Express A American Express Germany A American Express UK B BBVA B Bancolombia B Bank of America B Barclaycard UK C Capital One C Chase C Chime C Citi C Credit One Bank C Current C Curve D DBS Bank D Danske Bank D Discover

Good to know

How to choose a card

Which cards rank highest right now?
Right now the highest-rated cards on DebitCue are:
Which cards have no annual or monthly fee?
These cards carry no annual or monthly fee:
Which cards are best for spending abroad?
For spending abroad with no foreign-transaction fee, look at:
Which cards earn rewards or cashback?
These cards earn rewards or cashback on your spending:
How does DebitCue rank cards?
Every card is scored on the same factors - fees, APR, rewards, perks and ease of use - so the ranking reflects value, not who pays us. Sponsored placements are labelled and never change a card's score.
What is the difference between credit, debit and prepaid cards?
A credit card lets you borrow up to a limit and repay later, often with rewards and an interest-free period. A debit card spends money you already hold in an account. A prepaid card spends a balance you load in advance, with no credit check and built-in budgeting.
Do the fees and rates apply in my country?
We show fees, APR and rewards in each card's own currency and flag where availability is limited to certain regions. Set your country at the top to hide cards that are not offered where you live, and always confirm the current terms on the issuer's site before you apply.
How do I avoid foreign-transaction fees?
Look for a card with no foreign-transaction fee and pay in the local currency rather than your home currency at the terminal. Use the No foreign fee filter above to see every card that charges nothing extra abroad.
Is it free to use DebitCue?
Yes. Comparing and reviewing cards is free. When you apply through one of our links we may earn a commission from the issuer, which keeps the site free and never affects how we rank cards.