CBC Banque SA review

The current account that carries the card has a monthly fee of €0, so holding the account adds nothing to a monthly budget. Running costs for the account sit with the bank as the card issuer, CBC Banque SA. Readers weighing day to day spending can treat the account as free and look elsewhere for currency charges.

Yes. The credit card option carries an annual fee of €88, which is a real yearly cost for anyone who signs up. For comparison, the site median annual fee across brands is €0, so this card sits above the middle. The account and the card are billed separately.

No. The rewards type on the credit card is none, so spending on it returns nothing in cashback, points or miles. That is a fair trade only if the €88 annual fee feels worth the benefits that come from the bank relationship, such as a Mastercard card and local service.

The card type is debit and it runs on the mastercard network. A debit card spends the money already in the account, which keeps spending tied to the balance rather than to a credit line. Debit cards are the most common card type on the site, at 74.3% of the brands listed.

The registered home country is BE, and the legal entity behind the card is CBC Banque SA. That places the account under Belgian banking practice, including the general banking conditions the bank publishes. Anyone living outside the country should check whether the account can be opened and used at all.

Both sides appear: the card type for the everyday account is debit, while the card kind on the credit offering is credit. Most cards on the site are credit cards, at 96.8%, but this pairing means the debit card handles daily spending and the credit card handles borrowing.

The account's monthly fee of €0 is the cheapest part of the offer, and it matches the site median monthly fee of €0. The credit card is where costs appear, through the €88 annual fee. Compare that figure with the credit card medians before deciding whether the pairing is worth it.

Belgian customers who already want one bank for a current account and a credit card, and who do not expect rewards. The Mastercard debit card suits ordinary retail and cash machine spending. People who want a free credit card or cashback should compare the alternatives instead.