NLB review

The current account carries a monthly fee of €3.39, charged on the account rather than on card use. That sits away from the fee free end of this comparison, where Wise charges £0 a month, Chime $0 and Varo Believe $0.

Yes, the card carries an annual fee of €20. Most of the cards compared on the site sit at or below €4.89 a year, and the median across them is €0, so the card fee is a clear addition rather than a rare extra.

The account card is listed as a debit card, and the card kind recorded for the product is credit. Spending runs against the balance in the current account, so the account and the card are read as one relationship rather than a revolving balance.

The account is issued by Nova Ljubljanska banka d.d., the same bank named on the card tariff, and the provider is headquartered in Slovenia. The account and the card sit with the same legal entity, so a single institution handles both.

Every rival here is cheaper on the account fee: Wise at £0 a month, Varo Believe Secured Credit Card at $0 and Chime Card at $0. NLB's €3.39 is the only charge of the four, so it is the part to weigh.

On the monthly fee NLB sits at position 371 of 419 brands compared, so the charge is high for this list. The lowest monthly fee on the site is €0 and the median is €0, with the top of the range at €99.

It suits customers in SI who want the current account and the card from the same bank, Nova Ljubljanska banka d.d., and who are comfortable paying €3.39 a month plus €20 for the card each year. The fees are quoted in euro, which suits paying from a local account.