HesabPay review

HesabPay charges a monthly fee of AFN 15 for the account and its card. That is a standing charge rather than something paid per use, so it suits users who will lean on the card often. For comparison, Wise is £0 a month and the Bitpanda card is €0.

The HesabPay card is virtual, so there is no plastic card to carry, lose or keep in a wallet. That suits paying in apps and online, and for anyone who wants card details on file without a physical card. A virtual card is a narrower fit if you want something to hand over in person.

The HesabPay card runs on the visa network, the same scheme used by much of the travel card ranking, where 60.6% of cards sit on it. Network coverage matters more than the fee when a trip involves paying in several markets, and a virtual card keeps that choice in the app.

HesabPay's feature set covers multi currency and travel. The multi-currency side suits someone paid or spending in more than one currency, and travel use is part of the design, with virtual card numbers. It is aimed at users in the market HesabPay operates from, AF, rather than a single market elsewhere.

HesabPay support runs on email and phone, so help comes by email or by phone rather than through an in-app chat window. 67.3% of brands in the comparison offer phone contact, so direct line help sits above the norm here, and it suits users who would rather talk a payment through than type a thread.

Not on the monthly charge. HesabPay costs AFN 15 a month, while Starling Personal Account Debit Card is £0. What HesabPay adds is a virtual card and multi-currency features, so the standing fee buys flexibility rather than a lower bill.

It suits people paying in several currencies who want a virtual card for online and app spending, and who are happy with support on email and phone. A travel feature is part of the account, which is where the multi-currency side earns its keep. If you pay in a single currency at home, the fee is harder to justify.