BigPay review

BigPay charges 2% to convert between currencies on the debit card. That sits above the 1% median across cards on this site and just under the 2.5% upper quartile, so conversion is the main cost to weigh.

The debit card runs on the visa network, and a virtual card is listed in multi currency, virtual card and travel. That pairs a physical card for everyday payments with a virtual card for online shopping, all in the same account.

The account is multi-currency and holds 12 currencies, so several balances sit in one place rather than needing a separate provider for each. Conversion between them is charged at 2% each time you switch.

BigPay support runs on email, phone and help centre, so you can phone, email or work through the help centre. A help centre answers most routine account questions, and phone support is there when a card is blocked or a payment looks wrong.

BigPay was founded in 2017, so it has been operating for a while rather than launching recently. Its debit card and multi-currency account are the core offer, and the listed features stay focused on travel and everyday spending.

BigPay charges 2% on conversion. Wise charges 0.1%, and Bitpanda and Starling Personal Account Debit Card charge 0% and 0%. On cost alone BigPay is the dearest here, so the multi-currency account has to justify the difference.

On currency conversion fee, BigPay sits at position 160 out of 259 brands compared, which is well down the field. The debit ranking median is 1%, so a card that converts money often costs more here than most debit rivals.

BigPay suits people who spend across several currencies and want a single card rather than a stack of them. The multi currency, virtual card and travel set points at travel and online shopping, and the multi-currency account keeps balances in 12 currencies together. It is less convincing for anyone who mostly wants a cheap everyday debit card.