Kyash review

The monthly fee is ¥0, and Kyash ranks 1 on monthly fee among the 419 brands compared here. Bank top-ups cost nothing either, Bank top-up free, which keeps holding and funding the card cheap.

The cashback rate is 0.5% on spending with the card. Because the card is prepaid, the balance comes from money you have loaded rather than a credit line, so the reward is a small addition to a funded balance.

It is a prepaid card that runs on the visa network, so it is accepted wherever that network is taken rather than at one merchant only. Spending draws on money you have loaded, and the card carries a monthly fee of ¥0.

Top-ups come through your bank, and Bank top-up free means the transfer itself costs nothing. The card is prepaid, so the loaded amount is what you can spend, and the monthly fee of ¥0 adds nothing on top.

Support runs on help centre only, with no live chat or phone line listed, so most questions end up answered by self-service articles. The help centre covers the card, its prepaid balance and bank top-ups, so anything urgent is worth raising early.

Kyash is run by 株式会社Kyash, based in Japan and founded in 2015. Its product is a prepaid card on the visa network, with cashback of 0.5% as the reward. The cost to check first is the ¥0 monthly fee.

Skrill charges €5 a month, against ¥0 for Kyash. Kyash carries the lower monthly fee of the two, and it pays cashback of 0.5% on spend. Over a year of holding both, that gap is the part that adds up.

A virtual card is part of the line-up, so online spending does not have to wait for a physical card to arrive. It runs on the visa network, and the card is prepaid with a monthly fee of ¥0, so the same cost logic applies as for the main card.