BSP Samoa Classic Visa Debit Card review

The monthly fee is WST 0, the same level as the €0 across debit cards in this comparison. Spending comes straight from the money already in the account, so there is no interest to weigh and the cost of holding the card is the monthly figure alone.

It is a debit card, so purchases come straight from the account balance rather than a credit line. Debit cards account for 100% of the cards in this ranking, and this one is picked for its running cost rather than for borrowing.

The card runs on visa, and 60.6% of the travel cards in this ranking share that network, so it is accepted widely abroad. It is also listed for travel, which suits spending away from home rather than use in a single market.

Everyday spending at home and travel. Travel is the feature the bank lists, and travel features appear on 90.7% of the cards in the travel ranking, so this card sits with the cards built for trips. Help runs through email, phone and help centre if a payment is declined abroad.

Help is available through email, phone and help centre. Email, phone and a help centre cover most card questions, and a help centre is the most common support channel among the cards compared here, at 75.6%.

The card is issued by Bank of South Pacific Limited, a bank that has been trading since 1957 and is based in Samoa. The account behind it is a debit account, so the card works from money the bank already holds for you rather than a separate card balance.

It is aimed at people who bank with Bank of South Pacific Limited in WS and want everyday spending on a debit card with a monthly fee of WST 0. People who want to borrow, build a credit record or hold several currencies at once are served better elsewhere.

On monthly cost the three alternatives are level with this card: £0 for Wise, $0 for Varo Believe Secured Credit Card and $0 for Chime Card. The difference is the product, since this is a debit card from a bank rather than a credit card.