CSOB bank review

The Plus account runs at a monthly fee of CZK 0, which matches the site median of €0. That places it at position 1 of 419 brands on the fee ranking, so there is no monthly cost to set against everyday spending.

Both kinds appear, on different sides of the same bank. The card used for everyday spending is a debit card, while the borrowing offer is a credit card. It is worth being clear which card you are applying for, since they work differently at the till.

The credit card carries extended warranty, purchase protection and travel insurance, together with an interest-free period on spending. Those perks are the reason to hold it rather than the reward scheme, and the rewards type on the card is none.

The rewards type is none, so nothing comes back on ordinary spending. Across the brands compared here, cashback is the most common rewards type at 49.5%, while 28.7% carry no rewards at all, as this card does.

It suits customers who want everyday banking and a card with purchase cover in one place, and the Plus account runs at a monthly fee of CZK 0. It also suits those who travel, since travel insurance comes with the credit card. Reward seekers get nothing back, as the rewards type is none.

The monthly fee is CZK 0 here, and the site median is €0. The upper end of the typical range across the site is €0, while the high is €99, so this account sits in the mainstream rather than standing out on cost.

The overall score is 6 out of ten, with the cost part at 6, which places the account in the middle of the field rather than at either end. The fee and the perk list pull in opposite directions: a monthly fee of CZK 0 alongside a rewards type of none.

Other cards compared here include Varo Believe Secured Credit Card, Wise and Chime Card (Secured Visa Credit Card). Their monthly fees are $0, £0 and $0, so the choice rests on the account and the card perks rather than the monthly cost.