Telcell review

The account carries a monthly fee of AMD 0, so holding the card costs nothing in itself. Payments run on the visa network. Ask about conversion costs before spending in another currency, since the median fee across 56 virtual cards is 1.5%.

It is a virtual card. That means it is used for online and app payments rather than handed over in a shop or fed into a cash machine. Anyone who pays in person or needs to withdraw money will want a different kind of card, and the visa network does not change that.

Support runs on email and phone only, so email and phone are the routes in. Email suits questions you want on record, and a phone call is the faster option for a blocked card or a payment that will not go through. Compare that with the wider choice many rivals list before relying on it round the clock.

The account is run by Tel-Cell OJSC, based in Armenia. The operator has been trading since 2007, which is a long record in this market. Card payments go through the visa network, the same network most major banks issue cards on.

The monthly fee is AMD 0, and the median monthly fee across 56 virtual cards is €0. Fee levels in this group sit low, so the things that separate cards tend to be card type, network and support rather than price.

The card sits on visa, so acceptance follows that network wherever a visa terminal is used. Being a virtual card, it lives in your app or browser rather than in your wallet, so it is no substitute for a physical card abroad. Travellers usually keep a second card for cash and terminals.

It fits people in AM who pay for online services, subscriptions and shopping and want a virtual card with a AMD 0 charge. It suits light users rather than anyone who needs cash machines or several currencies held in one account.