SeaBank review
Updated September 28, 2026 · DebitCue Editorial Team · Facts checked September 26, 2026
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Our verdict
SeaBank suits people in the Philippines who want a plain debit with a PHP 0 monthly fee and a virtual card. Support runs on chat only, so anyone who needs a call or email should look at Wise instead. It ranks 1 of 419 on monthly fee.
Key facts
- Best for
- Philippine residents who want a virtual debit with a PHP 0 monthly fee.
- Monthly fee
- ₱0 (Source, checked September 26, 2026)
- Card type
- Debit (Source, checked September 26, 2026)
- Legal entity
- SeaBank Philippines Inc. (Source, checked September 26, 2026)
- Headquarters
- Philippines (Source, checked September 26, 2026)
- Support channels
- Chat (Source, checked September 26, 2026)
- Features
- Virtual card
- Official website
- maribank.ph
Pros and cons
Pros
- Monthly fee of PHP 0 on the standard account, and the account runs on a debit you spend from directly
- A virtual card is included, which suits anyone who wants a card they can add to a wallet rather than carry
- Ranked 1 of 419 brands on monthly fee, and the debit ranking runs a PHP 0 too
Cons
- Support runs on chat only, with no phone or email listed
- Regulated in PH by the Bangko Sentral ng Pilipinas, so the account sits outside most other protection schemes
Who it suits
- People in PH who want a debit with a PHP 0 fee
- Anyone happy to handle their card through virtual card rather than a physical card
Who should look elsewhere
- People who need phone or email support, since support runs on chat only
- Anyone wanting a multi currency account with foreign spending, where Wise is the stronger pick
- People who want to build a credit history, since SeaBank offers a debit through SeaBank Philippines Inc.
Who runs it
SeaBank is issued by SeaBank Philippines Inc., a Philippine bank, and is headquartered in Philippines. The regulator is the Bangko Sentral ng Pilipinas. Getting hold of the company means going through chat, since that is the channel it lists. Compare that with Varo, which is a US account, if you are outside the Philippines.
How SeaBank compares
8.8 vs 9.4
8.8 vs 9.0
8.8 vs 8.9
8.8 vs 9.2
8.8 vs 8.8
8.8 vs 8.5
8.8 vs 8.5
8.8 vs 9.0
8.8 vs 8.8
8.8 vs 8.8
8.8 vs 8.7
8.8 vs 9.2
8.8 vs 9.0
8.8 vs 8.9
8.8 vs 8.8
8.8 vs 9.6
8.8 vs 9.2
8.8 vs 9.1
8.8 vs 9.1
8.8 vs 9.1
8.8 vs 8.9
8.8 vs 8.8
8.8 vs 8.8- 8.8 vs 8.8
- 8.8 vs 8.8
8.8 vs 8.8
8.8 vs 8.5
8.8 vs 8.5
8.8 vs 8.5
8.8 vs 8.3
8.8 vs 8.2
8.8 vs 8.0
8.8 vs 8.0
Where SeaBank is available
- Available
- Philippines
- Licence in Philippines
- Bangko Sentral ng Pilipinas (BSP), checked September 26, 2026
Countries from the brand (Source, checked September 26, 2026)
Frequently asked questions
How much is the monthly fee on a SeaBank account?+
The monthly fee is PHP 0 on the standard account, and it applies to the debit the bank issues. That is the same monthly fee as £0, $0 and $0, so cost is not the reason to pick one over another.
Is the SeaBank card a debit card or a credit card?+
It is a debit, so spending comes straight from the balance in your SeaBank Philippines Inc. account rather than from a credit line. Nothing in the listed details points to a credit card, which means no interest charges and no credit building.
Does SeaBank issue a physical card?+
The listed features name a virtual card rather than a plastic card, so a physical card is not part of what the account documents set out. A virtual card suits people who pay online and add it to a wallet, and less suited to anyone who needs a card in hand.
How do I contact SeaBank support?+
Support runs on chat, which is the only channel listed for SeaBank Philippines Inc.. If you would rather raise a question by phone or email, Wise lists more ways to reach a person and is worth a look.
Who regulates SeaBank and is my money protected?+
SeaBank is regulated in Philippines by the Bangko Sentral ng Pilipinas, and the account runs through SeaBank Philippines Inc.. Any deposit protection or compensation cover would depend on that regulator's scheme, and the listed details cover card fees rather than deposit cover.
Can I use SeaBank outside the Philippines?+
The account is headquartered in Philippines and is a debit in PHP, so spending abroad would put a currency conversion on each transaction. The listed facts do not include a foreign exchange fee, so check the current terms before you rely on the card overseas.
How is SeaBank's cost compared with other cards?+
On cost, SeaBank ranks 1 of 419 brands on monthly fee, and its fee of PHP 0 matches the site median of €0. The chat only support is where the comparison turns.
Who should pick SeaBank over the alternatives?+
SeaBank makes sense if you live in Philippines, want a debit with a PHP 0 fee and are comfortable handling a virtual card. Wise suits multi currency use, and Varo is a US account with the same $0 fee for people outside the Philippines.
Sources
- edaily.vn/review-seabank checked September 26, 2026
Backs: Legal entity, Licences
“SeaBank Philippines Inc. (A Rural Bank)”
- maribank.ph checked September 26, 2026
Backs: Card type, Headquarters, Monthly fee, Support channels
“Get up to PHP 3,000 cashback monthly every time you pay with your MariBank Card”
- yugatech.com/news/seabank-physical-debit-card-price-down-... checked September 26, 2026
Backs: Features
“To order a physical card, users have to ensure that they have a virtual card activated first”
Compiled from 3 source pages, checked September 26, 2026. We did not open an account.
Not confirmed yet: Currency conversion fee, Free ATM withdrawals, Protection.
Related by the facts
SeaBank
Philippine residents who want a virtual debit with a PHP 0 monthly fee.