neo by Bank Audi review
Updated September 28, 2026 · DebitCue Editorial Team · Facts checked September 26, 2026
We earn a commission when you sign up through links on this site. Partner status can affect where a brand appears in our rankings.
Our verdict
neo by Bank Audi suits people in Lebanon who want a multi-currency card with a virtual card option. The monthly fee of $1.99 is well above the free accounts offered by Wise and Varo Believe, and currency conversion costs more too.
Key facts
- Best for
- Lebanese residents who want a multi-currency card with a virtual card and travel perks
- Monthly fee
- $1.99 (Source, checked September 26, 2026)
- Currency conversion fee
- 1.5% to 4.8% (Source, checked September 26, 2026)
- Card type
- Debit (Source, checked September 26, 2026)
- Top-up fee
- 3.5% of total amount (Source, checked September 26, 2026)
- Currencies
- 6 (Source, checked September 26, 2026)
- Legal entity
- Bank Audi S.A.L. (Source, checked September 26, 2026)
- Headquarters
- Lebanon (Source, checked September 26, 2026)
- Founded
- 1830 (Source, checked September 26, 2026)
- Support channels
- Phone, Chat, Help-centre (Source, checked September 26, 2026)
- Features
- Multi-currency, Virtual card
- Official website
- neo.com.lb
Credit cards
- Currency conversion fee
- 1.5% to 4.8% (Source, checked September 26, 2026)
- Rewards type
- Miles (Source, checked September 26, 2026)
- Rewards rate
- 1.5 miles per USD 1 spent (Source, checked September 26, 2026)
- Perks
- Airport lounge access, Travel discounts, Travel insurance, Purchase protection (Source, checked September 26, 2026)
- Card kind
- Credit (Source, checked September 26, 2026)
- Legal entity
- Bank Audi S.A.L. (Source, checked September 26, 2026)
- Headquarters
- Lebanon (Source, checked September 26, 2026)
- Founded
- 1830 (Source, checked September 26, 2026)
- Support channels
- Phone, Chat, Help-centre (Source, checked September 26, 2026)
- Features
- Multi-currency, Virtual card
Apps and profiles
- Get the app
- App StoreGoogle Play
- Elsewhere
- LinkedInXfacebook.comyoutube.com
Pros and cons
Pros
- A multi-currency card covering 6 currencies, so several balances can sit on one card
- A virtual card feature, which is listed by multi currency and virtual card alongside multi-currency
- The account is run by Bank Audi S.A.L., a bank rather than an app-only provider
- Airport lounge access, travel discounts, travel insurance and purchase protection are listed as Airport lounge access, Travel discounts and Travel insurance
- Support runs on phone, chat and help centre, which covers phone, chat and a help centre
Cons
- The monthly fee of $1.99 compares with a monthly fee of £0 at Wise and $0 at Varo Believe
- Currency conversion costs 1.5% to 4.8%, above a median of 1% across the cards on the site
- Loading the account costs 3.5% of total amount
- Card rewards are miles at a rate of 1.5 miles per USD 1 spent, a rewards type only 2.6% of debit cards on the site use
Who it suits
- People living in Lebanon who spend or hold several currencies at once
- Card holders who want a virtual card for online payments
- Anyone who values lounge access and travel insurance over a low monthly cost
Who should look elsewhere
- People who want a free account, since Wise charges a monthly fee of £0 and Varo Believe charges $0
- Frequent travellers who need low currency conversion costs, since conversion runs at 1.5% to 4.8%
- Shoppers who want cashback or points, since rewards here are miles
Using it day to day
neo is a debit card, so spending comes straight out of the bank account behind it rather than from a prepaid balance you top up. The card is multi-currency and there is a virtual card option too, both listed under multi currency and virtual card. That means a plastic card for everyday payments and a virtual one for online use, with 6 currencies supported on the account. Help is available on phone, chat and help centre, which covers phone, chat and a help centre. The account sits with Bank Audi S.A.L., a bank rather than a standalone app, so the money sits with an established bank and the card works as an ordinary debit card at the till.
Fees and currency costs
The monthly fee is $1.99 for the debit account. That is the number that separates neo from most of the cards on this site: the median monthly fee across the 670 brands listed is €0, and both Wise and Varo Believe charge a monthly fee of £0. Currency conversion is the second cost to watch. The conversion fee runs 1.5% to 4.8%, compared with a median of 1% and a lower quartile of 0% across the site. Loading the account carries its own charge of 3.5% of total amount, so a top up is not free either. Added together, the fees sit well above the free alternatives for anyone who spends regularly abroad or moves money in often.
Who runs it
neo is issued by Bank Audi S.A.L., which was founded in 1830 and is based in Lebanon. The legal entity behind the account is a bank, which means the money sits with a bank rather than a payments app. Perks listed for the card include airport lounge access, travel discounts, travel insurance and purchase protection, and rewards are paid in miles at 1.5 miles per USD 1 spent per US dollar spent. Support is offered on phone, chat and help centre, covering phone, chat and a help centre, so there is a direct route to the bank if a payment or a load goes wrong.
How neo by Bank Audi compares
9.3 vs 9.4
9.3 vs 9.0
9.3 vs 8.9
9.3 vs 9.2
9.3 vs 8.8
9.3 vs 8.5
9.3 vs 8.5
9.3 vs 9.0
9.3 vs 8.8
9.3 vs 8.8
9.3 vs 8.7
9.3 vs 9.2
9.3 vs 9.0
9.3 vs 8.9
9.3 vs 8.8
9.3 vs 9.6
9.3 vs 9.4
9.3 vs 9.4
9.3 vs 9.2
9.3 vs 9.1
9.3 vs 9.1
9.3 vs 9.1
9.3 vs 9.1
9.3 vs 8.8
9.3 vs 8.8- 9.3 vs 8.8
- 9.3 vs 8.8
9.3 vs 8.8- 9.3 vs 8.8
9.3 vs 8.5
9.3 vs 8.5
9.3 vs 8.5
9.3 vs 8.3
9.3 vs 8.2
9.3 vs 8.0
9.3 vs 8.0
Where neo by Bank Audi is available
- Available
- Lebanon
Countries from the brand (Source, checked September 26, 2026)
Frequently asked questions
What does neo by Bank Audi cost each month?+
The debit account carries a monthly fee of $1.99. That is a recurring charge, unlike Wise at £0 and Varo Believe at $0. The median monthly fee across the 670 brands listed on the site is €0.
How much does it cost to convert currency?+
Conversion costs run 1.5% to 4.8% on the account. For comparison, the median conversion fee across the site is 1%, and the lower quartile is 0%. Travellers converting money often will feel that spread, even though the card covers 6 currencies.
Is there a charge for putting money into the account?+
Yes. Loading the account costs 3.5% of total amount. So a top up is not a free operation, and the monthly fee of $1.99 is only part of what the account costs to run. Budget for both the load charge and conversion costs if money moves in often.
Who is behind neo and where is the bank based?+
The card comes from Bank Audi S.A.L., a bank founded in 1830 and based in Lebanon. Because the account is held with a bank rather than an app, the money sits with that bank. The card itself is a debit card, so spending draws on the account balance.
What currency support does the card have?+
The card is multi-currency and supports 6 currencies, listed together under multi currency and virtual card. That lets several currencies sit on one card, which suits people who pay in more than one market. Conversion between them still costs 1.5% to 4.8%.
Does neo have a virtual card?+
Yes. A virtual card is listed among multi currency and virtual card for the account, alongside the multi-currency function. That gives a separate card for online payments while the physical card handles everyday spending. The debit account structure stays the same for both.
What rewards do I get for spending?+
Rewards come as miles, earned at 1.5 miles per USD 1 spent per US dollar spent. Perks listed for the card also include airport lounge access, travel discounts, travel insurance and purchase protection, all part of Airport lounge access, Travel discounts and Travel insurance. Miles are the least common rewards type among debit cards here, at 2.6%.
How do I get help if something goes wrong?+
Support is available on phone, chat and help centre, covering phone, chat and a help centre. Phone is the most common support channel across the brands listed, at 67.3%, with a help centre close behind at 75.6%. The bank answers directly, so a disputed payment or a failed load has a route to resolve.
Sources
- en.wikipedia.org/wiki/Bank_Audi checked September 26, 2026
Backs: Founded, Legal entity
“Bank Audi was founded in 1830, but was only incorporated as a bank in 1962”
- bankaudi.com.lb/personal-banking/cards/cards-listing/ceda... checked September 26, 2026
Backs: Perks, Rewards rate, Rewards type
“Airport lounge access via MasterCard Travel Pass, Travel insurance and purchase protection benefits”
- neo.com.lb/english/faq checked September 26, 2026
Backs: Top-up fee, Support channels
“3.5% of total Amount for Debit card top-up”
- neo.com.lb/english/home checked September 26, 2026
Backs: Card kind, Card type, Currencies, Features, Currency conversion fee, Headquarters, Monthly fee
“neo Cedar Miles Credit Card”
Compiled from 4 source pages, checked September 26, 2026. We did not open an account.
Not confirmed yet: Free ATM withdrawals, Protection.
Related by the facts
neo by Bank Audi
Lebanese residents who want a multi-currency card with a virtual card and travel perks