Leobank review

The monthly fee is AZN 0 and the annual fee is AZN 0, so there is no charge for keeping the account open. You still pay whatever you spend, and the lending side is a credit card, so interest only applies if a balance is carried.

Both sit under the same bank. The everyday card is a debit card for spending from the balance, while the credit card is the one that lends, with a grace period and instalment plans in 62 day grace period and instalment plan.

Rewards are paid as cashback, and the card earns Up to 20% cashback on what you spend. The return is cashback, so it goes back to the balance rather than into a separate rewards balance.

Perks for the card include 62 day grace period and instalment plan. The grace period gives breathing room before a purchase turns into interest, and the instalment plan spreads a larger cost over time, which suits a big purchase better than paying it in one go.

Leobank lists kids and business users as its audience (kids and business), so the cards cover a household and a company. The bank sits in Azerbaijan (AZ), which sets where the accounts are held.

Support runs on phone and chat, so you can call or start a chat with the bank. Branches and email are not listed as routes, so a problem needing a written record has to go through those two channels.

The cards are issued by Unibank (Unibank), the bank behind Leobank, and it is based in Azerbaijan (AZ). Unibank is the entity that holds the account and issues both the debit card and the credit card.