Self Bank (Selfbank by Singular Bank) review

The account carries a monthly fee of €0. The credit card sits alongside it as a separate product with its own annual charge, so treat the two as separate costs rather than a single bundle. Spending through the debit card draws on the money already in the account.

The Platinum credit card charges an annual fee of €120 a year, well above the €0 median for cards on the site. It buys travel insurance, so the card earns its place mainly if you take it abroad rather than for everyday spending.

No. The credit card's rewards type is none, so nothing comes back in cashback, points or miles when you spend. Cards with no rewards are a common choice, and what you get here instead is travel insurance on the card.

The debit card runs on visa. Visa is the most common network among the cards compared here, at 58.6% of them, so the card behaves like any other Visa card at the till and at cash machines.

Self Bank is the trading name of Singular Bank, which is based in Spain. It is supervised by Banco de España, and it also carries a CNMV registration. Because both regulators are Spanish, the account is supervised in the same market where you would use the card day to day.

Both. The everyday card is a debit card, so it spends the money sitting in the account, while the Platinum card is a credit card, meaning a revolving loan you repay each month. The account behind the debit card has a monthly fee of €0, and the credit card brings the annual charge.

Support runs on email and phone, so a phone call and an email are the routes to the bank. On the cards compared here, phone is the most common support channel at 67.3%, with help centres next at 75.6%, so a call is the most likely to land first.

It suits people in ES who want a low cost everyday account, since the monthly fee is €0 and the debit card runs on visa. The credit card adds less unless you travel, given the annual fee and the travel insurance that come with it.