S-Pankki review

The monthly fee is €0, which puts the debit card among the cheaper cards to hold. Wise lists £0 and Varo Believe Secured Credit Card lists $0, so the same level on this measure rather than a point of difference.

The card type here is debit, so spending draws on the bank account rather than a credit line. The brand also lists a credit card, so switching account type happens inside one comparison. Readers wanting the credit side can look at Chime Card (Secured Visa Credit Card), which lists a monthly fee of $0.

The card runs on Visa (visa), and Visa accounts for 59.8% of the cards in the debit ranking. That makes it the mainstream choice, so a reader already paying with Visa day to day can keep the same network on the account.

At €0, the fee sits at the cheap end rather than in the middle. The debit ranking shows a monthly fee minimum of €0 and a maximum of €83.23, so this card is priced with the cheapest group, and that is where the savings sit.

The group includes a credit card too, and credit cards make up 98.1% of the cards in the debit ranking. Models with no annual fee account for 100%, so the card kind usually decides more than the fee for a reader choosing between them.

It suits people who want one card for everyday spending and a monthly fee of €0. Because the card type is debit, the balance comes from the bank account, which suits regular spenders rather than people carrying a balance. Readers after a credit line can compare Chime Card (Secured Visa Credit Card) instead.

The cost part of the score is 6 and the overall score is 6. On the monthly fee the card sits at 1 among 419 brands, which is why the charge-free month does more work here than any extra feature.