Lao Viet Bank LVB DigiBank review

The published monthly fee is LAK 0, so the account carries no recurring charge. That sits in line with the debit card category, where the median monthly fee is €0. Other charges, such as currency conversion or cash withdrawals, are not stated for this card.

It is a debit card, so spending draws on the money in the account rather than a borrowing facility. Debit cards make up the clear majority of the cards compared here, at 100% of the debit category. There is no interest rate attached to the card.

The card comes from Laos - Vietnam Joint Venture Bank Co., Ltd, which is based in Laos and was founded in 1999. It is a joint venture bank rather than a standalone fintech, which suits people who prefer an established banking name for their everyday money.

Support runs on phone and help centre, meaning a phone line and a self service help centre. Live chat and email are not among the listed routes, so anyone who prefers messaging support may find other options easier. Phone support is the common choice in the wider debit category, at 68.6%.

The card is set up as a single currency domestic card rather than a multi currency one, and no currency conversion fee is published for it. That is worth weighing against cards built for travel, where 90.7% of the travel group carry travel features. Spending outside Laos would need checking with the bank first.

Monthly fees across the cards compared here run from €0 to €99, with a median of €0. Currency conversion fees are the bigger differentiator, ranging from 0% to 10.5% with a median of 1%. LVB DigiBank publishes only its monthly fee.

No free withdrawal allowance is published for this card, so the cost of cash has to be checked with the bank before you rely on it. Across the cards compared here, free allowances range from €0 to €2,000, with a median of €0. Debit cards as a group also show a median of €0.

Only if you want to borrow or build a credit history, since this is a debit card. Credit cards are the dominant kind here, at 96.8% of the group, and median APR on the site is 20.97%. For plain day to day spending from an existing balance, the debit route avoids interest entirely.