Pago review

The monthly fee is ALL 0, so keeping the business debit account open costs nothing each month. That matches the debit card market, where the median monthly charge is €0. The account is run by Rubicon Sh.a. from Albania.

Currency conversion fees run 0% to 2% on the business account. The debit card median sits at 1%, so Pago is at the market middle rather than at the cheapest end, which reaches 0% across the site.

Yes, card top-ups carry a fee. Topping up the Pago account by debit or credit card is charged a share of the amount added, so money you load by card is more expensive than money you hold in the account itself. Check the tariff before you top up often.

Pago issues a debit card that runs on the mastercard network, so it is accepted wherever that network works. The card is listed for business customers and marked as a travel option, which suits staff paying costs abroad.

Pago holds an e-money institution licence from the Bank of Albania (Council of Supervision) in Albania, under licence 52. The published details do not state what any deposit protection scheme covers, so the licence itself is the main reassurance on offer.

Support runs through a help centre only. That means self-service answers rather than a call or live chat, which is worth weighing if your business needs to resolve a blocked payment quickly during travel.

Free ATM withdrawals are listed at ALL 0, so there is no included allowance of free withdrawals in the published tariff. Compared with the debit card market, where the median allowance is €0 and the upper quartile reaches €177.93, plan to check withdrawal charges before relying on cash abroad.

The account is listed for a business audience, which is business customers rather than personal users. Combined with the debit card and a ALL 0 monthly charge, it is built for company spending and travel costs, not for everyday personal banking.