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BO2 by Byblos Bank review

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

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Our verdict

BO2 by Byblos Bank suits people who want a no-cost multi-currency debit card and do not mind paying for currency conversion. The monthly fee is $0 and the card runs on visa, so the only recurring cost to weigh is the FX charge.

Key facts

Best for
Anyone wanting a free multi-currency debit card with a virtual card option
Monthly fee
$0 (Source, checked September 26, 2026)
Currency conversion fee
3% to 4.5% (Source, checked September 26, 2026)
Free ATM withdrawals
$0 (Source, checked September 26, 2026)
Card type
Debit (Source, checked September 26, 2026)
Card network
Visa (Source, checked September 26, 2026)
Currencies
7 (Source, checked September 26, 2026)
Legal entity
Byblos Bank S.A.L. (Source, checked September 26, 2026)
Headquarters
Lebanon (Source, checked September 26, 2026)
Founded
2025 (Source, checked September 26, 2026)
Support channels
Phone (Source, checked September 26, 2026)
Features
Multi-currency, Virtual card, Travel
Official website
byblosbank.com

Apps and profiles

Get the app
App StoreGoogle Play
Elsewhere
WikidataWikipediainstagram.comfacebook.comX

Pros and cons

Pros

  • No monthly charge, so the account costs nothing to keep open: $0
  • Holds several currencies in one account, with 7 available
  • Features listed include a virtual card and a travel focus
  • Support is offered by phone, through phone

Cons

  • Currency conversion costs 3% to 4.5%, which is high for regular spending abroad
  • No free ATM withdrawals included, with $0 free
BO2 by Byblos Bank

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Who it suits

  • People who want a second currency held without a monthly charge
  • Travellers who mainly spend a card abroad rather than withdraw cash
  • Customers of Byblos Bank who want the BO2 app alongside an existing account

Who should look elsewhere

  • Wise, if you convert currency often and want lower conversion fees
  • Starling Personal Account Debit Card, if you want free ATM withdrawals included
  • Bitpanda, if you want a virtual card for online spending as the main draw

Fees and FX

The account carries a monthly fee of $0, and ATM withdrawals are not part of the deal, with $0 free withdrawals. The cost that matters for travel is currency conversion, charged at 3% to 4.5%. Cardholders can hold 7 currencies in the account, and the feature list includes multi-currency, a virtual card and travel use. On the visa network, the card behaves like an ordinary debit card.

The company behind it

BO2 is issued by Byblos Bank S.A.L., which is headquartered in Lebanon and dates the app to 2025. Support runs through phone, so a phone call is the route for questions about the account. The app itself is listed for download on mobile stores, and the card type is debit, meaning money comes straight from the bank balance rather than a prepaid balance.

How BO2 by Byblos Bank compares

Where BO2 by Byblos Bank is available

Available
Lebanon

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

Frequently asked questions

What does it cost to keep a BO2 account open?+

The monthly fee is $0, so there is no recurring charge for holding the account. Costs come from how the card is used, mainly converting currency at 3% to 4.5% or withdrawing cash, where $0 withdrawals are free.

How much does BO2 charge to convert currency?+

Conversion is charged at 3% to 4.5%. That is higher than many rival cards, so the account is cheapest for spending in a currency already held rather than converting on the fly.

Does BO2 include free ATM withdrawals?+

Free ATM withdrawals come to $0. Cash taken out will therefore carry a charge, which is worth weighing if a trip involves withdrawing in a foreign market.

What type of card is BO2?+

It is a debit card on the visa network. The feature list also includes a virtual card, so a separate card number can be issued for online spending.

How many currencies can I hold?+

The account supports 7 currencies at once, with multi-currency listed as a core feature. Balances sit in the account rather than being converted each time you spend.

Who runs BO2 and where are they based?+

BO2 is issued by Byblos Bank S.A.L., headquartered in Lebanon, and the app dates to 2025. It is a digital banking app rather than a standalone fintech.

How do I get help with the account?+

Support runs on phone, so phone is the channel listed. Anyone who prefers written help or in-app messaging may find the support mix narrower than larger banks offer.

Is BO2 aimed at travellers?+

Travel is listed among its features, alongside multi-currency and the virtual card. It suits people who spend in a second currency regularly, though the conversion fee of 3% to 4.5% is the part to watch.

Sources

Compiled from 4 source pages, checked September 26, 2026. We did not open an account.

Not confirmed yet: Protection.

BO2 by Byblos Bank

BO2 by Byblos Bank

Anyone wanting a free multi-currency debit card with a virtual card option

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