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Pixpay FR review

Updated September 28, 2026 · DebitCue Editorial Team · Facts checked September 26, 2026

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Our verdict

Pixpay FR is a debit card for kids, which suits a parent who wants a child's spending kept on a separate account with a fixed cost. It charges a monthly fee of €2.99 and a currency conversion fee of 2%, which makes it a pocket money tool rather than a travel money choice.

Key facts

Best for
A kids card for parents who want a predictable monthly cost.
Monthly fee
€2.99 (Source, checked September 26, 2026)
Currency conversion fee
2% (Source, checked September 26, 2026)
Card type
Debit (Source, checked September 26, 2026)
Card network
Mastercard (Source, checked September 26, 2026)
Headquarters
France (Source, checked September 26, 2026)
Founded
2019 (Source, checked September 26, 2026)
Support channels
Chat, Help-centre (Source, checked September 26, 2026)
Audience
Kids
Official website
pixpay.fr

Credit cards

Currency conversion fee
2% (Source, checked September 26, 2026)
Rewards type
None (Source, checked September 26, 2026)
Headquarters
France (Source, checked September 26, 2026)
Founded
2019 (Source, checked September 26, 2026)
Support channels
Chat, Help-centre (Source, checked September 26, 2026)
Audience
Kids

Apps and profiles

Elsewhere
LinkedInfr-fr.facebook.cominstagram.com

Pros and cons

Pros

  • The stated audience is kids, so the account is shaped around a child's money rather than a general banking switch.
  • It is a debit card on mastercard, so purchases draw on the account balance instead of building up a credit line.
  • The monthly fee of €2.99 is a fixed charge, so a pocket money budget can be set around it.
  • Help runs on chat and help centre, so a blocked payment or a lost card can be sorted without a branch visit.

Cons

  • A monthly fee of €2.99 against £0 at Wise and $0 at the Varo Believe Secured Credit Card, so this card costs more to hold.
  • Its rank of 365 out of 419 brands on monthly fee puts the price at the dear end of the field.
  • Support runs on chat and help centre only, so a parent with an urgent question has no phone route listed.
  • Currency conversion of 2% sits on top of the €2.99 monthly fee, so a card used abroad costs more than one used at home.
Pixpay FR

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Who it suits

  • Parents who want a child's spending kept on a debit card, tied to the money in the account.
  • Families whose child spends at home, where the €2.99 monthly fee is the main cost to weigh.
  • Households that treat the card as a spending tool and do not expect rewards.

Who should look elsewhere

  • Anyone who wants a fee-free account: Wise charges £0 a month, so the €2.99 here is added cost.
  • Readers sorting on price alone: the Varo Believe Secured Credit Card sits at $0 a month and the Chime Card at $0, both cheaper to hold.

Fees and currency costs

The cost of this account is easy to price. The monthly fee is €2.99, charged for holding the account, and the currency conversion fee is 2%, charged when a purchase is made in another currency. Both apply to the same Pixpay account, so the figure a parent holds in mind is the pair of them. For a child who spends on school supplies, snacks and transport, the monthly fee is the number that matters, because the card is used in the home currency and the conversion charge never comes into it. For a child who takes the card abroad, the ordering flips: the monthly fee stays the same and 2% applies on top of it, growing with each foreign purchase. Comparing this card with an account that carries no monthly charge means starting with the subscription figure, because that is paid whatever the card is used for, while a conversion charge is only paid on foreign spend.

Using it day to day

The card is a debit card, so money leaves the account rather than a credit line, which is the point for a young cardholder. It runs on mastercard, the network that decides where the card is accepted at a till, in a shop window and at a machine. Support runs on chat and help centre, so a question is answered by opening a chat or by reading the help centre, with no branch visit and no appointment. Day to day, the debit design keeps spending tied to the money in the account, and the network keeps the card usable wherever mastercard acceptance is normal. The help centre suits the repeated questions a family asks about a block, a lost card or a new purchase, while chat suits the quick ones. Because those are the only listed channels, a family that prefers to talk a problem through has fewer routes to pick from.

Where it sits among rivals

Pixpay sits late in the field on price. On monthly fee it ranks 365 out of 419 brands, and on currency conversion fee it ranks 160 out of 259. The conversion rank is the stronger of the pair, yet both placements sit in the part of the table where the numbers are higher rather than lower. That is worth saying plainly: a card ranking near the end of a cost list is charging more than most of the field on that measure, not less, so a reader sorting by cost first will move past it. The monthly charge is what places Pixpay where it is, more than the conversion charge does. The ranking makes no allowance for a narrow audience, so the fee has to be judged on cost alone.

Using it abroad

Abroad, a purchase depends on the conversion fee of 2% and on the network the card runs on, mastercard. The conversion figure matters for a child spending in another currency, because it applies each time the card is used outside the home market. A week of daily spending repeats that charge on every payment, which is where a holiday budget gets eaten. The network works differently: it sets how widely the card is accepted in the country being visited, and whether it is any use in a place where smaller domestic cards are not. Read together, frequent foreign spend makes 2% the deciding number, while occasional use keeps the cost of a trip small enough that the card still does its job.

How Pixpay FR compares

Where Pixpay FR is available

Available
France, Spain

Countries from the brand (Source, checked September 26, 2026)

Frequently asked questions

How much does a Pixpay account cost each month?+

Pixpay charges a monthly fee of €2.99 for the account. That is the standing cost a parent pays whatever the card is used for, and it is the figure to weigh before anything else. Wise and the Varo Believe Secured Credit Card list £0 and $0 a month, so paying here is a choice about the kids focus rather than the price.

What does Pixpay charge when my child spends in another currency?+

Spending outside the home currency carries a currency conversion fee of 2%. It applies each time the card is used abroad, so a holiday of daily payments multiplies it. For a child whose card stays at home that charge never appears, and the monthly fee is the only cost to plan for.

Is the Pixpay card a debit card or a credit card?+

It is a debit card. Spending draws on the money in the account, so no credit line builds up behind the purchases and there is no interest to think about. That design suits a child learning to handle a card, because the balance sets the limit rather than a lender.

Which network does the Pixpay card run on, and will it work abroad?+

The card runs on mastercard, which decides where it is accepted at a till and at a machine. Acceptance abroad follows the same network, so a country with a strong presence is easy and one with a thin presence is not. Currency conversion of 2% is the cost to plan on top of that.

How do I get help from Pixpay?+

Support runs on chat and help centre, which means a chat or a help centre article. Both are reached from inside the service, so there is no branch to visit and no appointment to book. A parent who prefers a spoken conversation has no phone route listed, so it is worth keeping the chat to hand for anything urgent.

Who is Pixpay built for?+

The stated audience is kids, which is why the account is framed around a child's spending rather than general banking. Founded in 2019 and based in France, it serves families who want a card for a young account holder, so an adult switching bank is not the case it serves.

Does the Pixpay card pay cashback or points?+

The rewards type is none, so there is no cashback, points or miles on spending. On a kids account that is a defensible choice, because there is no scheme to explain and nothing to lose track of, but it also means the €2.99 monthly fee is not offset by anything.

How does Pixpay compare with cards that carry no monthly charge?+

On price it sits near the dear end of the field: Pixpay ranks 365 out of 419 brands on monthly fee, and its €2.99 fee compares with £0 at Wise and $0 at the Chime Card. If price decides the choice, those are cheaper to hold.

Sources

Compiled from 6 source pages, checked September 26, 2026. We did not open an account.

Not confirmed yet: Free ATM withdrawals, Protection.

Pixpay FR

Pixpay FR

A kids card for parents who want a predictable monthly cost.

8.5/10Visit