Viabuy review
Updated September 28, 2026 · DebitCue Editorial Team · Facts checked September 26, 2026
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Our verdict
Viabuy is a prepaid Mastercard from Dock Financial S.A. in Luxembourg, and it suits people who want one card for spending abroad while holding only a small loaded balance. The catch is running cost: a monthly fee of €9.95 applies even when the card sits unused.
Key facts
- Best for
- Keeping a euro balance for spending abroad, loaded on demand.
- Monthly fee
- €9.95 (Source, checked September 26, 2026)
- Currency conversion fee
- 2.75% (Source, checked September 26, 2026)
- Free ATM withdrawals
- €5 (Source, checked September 26, 2026)
- Card type
- Prepaid (Source, checked September 26, 2026)
- Top-up fee
- 0.9% SEPA transfer (Source, checked September 26, 2026)
- Card network
- Mastercard (Source, checked September 26, 2026)
- Legal entity
- Dock Financial S.A. (Source, checked September 26, 2026)
- Headquarters
- Luxembourg (Source, checked September 26, 2026)
- Support channels
- Phone, Email, Chat, Help-centre (Source, checked September 26, 2026)
- Official website
- viabuy.com
Credit cards
- Annual fee
- €29.90 (Source, checked September 26, 2026)
- Currency conversion fee
- 2.75% (Source, checked September 26, 2026)
- Rewards type
- None (Source, checked September 26, 2026)
- Legal entity
- Dock Financial S.A. (Source, checked September 26, 2026)
- Headquarters
- Luxembourg (Source, checked September 26, 2026)
- Support channels
- Phone, Email, Chat, Help-centre (Source, checked September 26, 2026)
Apps and profiles
- Get the app
- Google Play
Pros and cons
Pros
- A prepaid Mastercard card, so only the amount you load sits on the account
- Free ATM withdrawals of €5 are included in the monthly price
- Support runs on phone, email and chat, covering phone, email, chat and a help centre
- Charges are published clearly, with a monthly fee of €9.95, an annual fee of €29.90 and a top-up fee of 0.9% SEPA transfer
Cons
- A currency conversion fee of 2.75% is added to the Mastercard exchange rate on foreign spending
- Every top-up is charged 0.9% SEPA transfer, so frequent small loads cost more
- An annual fee of €29.90 applies on top of the monthly charge
Who it suits
- People who travel and spend in euros and want a single prepaid card instead of several
- Anyone who prefers loading small amounts rather than holding a large balance
- Readers who want help by phone, email, chat and a help centre
Who should look elsewhere
- Anyone who spends abroad heavily, since a currency conversion fee of 2.75% is added on every foreign purchase
- Readers chasing a cheaper running cost, since Skrill charges a monthly fee of €5 and JMMB Moneyline and JMMB Money Transfer prepaid card a monthly fee of JMD 0
- People who want rewards on their spending, since the rewards type is none
Where it sits among rivals
Viabuy is expensive next to the cards on this site. On monthly fee it ranks 400 of 419, and the currency conversion fee of 2.75% puts it at 207 of 259. The free ATM withdrawals of €5 rank better, at 35 of 115, and that allowance is where the subscription earns its keep.
How Viabuy compares
8.8 vs 9.4
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Frequently asked questions
What does it cost to hold the account each month?+
The standard account carries a monthly fee of €9.95. There is also an annual fee of €29.90 in the prepaid Mastercard pricing, and top-ups are charged at 0.9% SEPA transfer. Budget for the monthly charge before you load the card.
What does it cost to spend in another currency?+
Spending outside the euro adds a currency conversion fee of 2.75% on top of the Mastercard exchange rate. That makes the card a costlier choice for trips where most of the budget goes on foreign purchases.
Is it a debit card, a prepaid card or a credit card?+
It is a prepaid Mastercard. The card type is prepaid and the network is mastercard, so the balance has to be loaded before you spend and there is no credit line to repay.
Are ATM withdrawals included?+
The account includes free ATM withdrawals of €5 as part of the monthly price. Anything beyond that allowance would fall under the bank's own charges, so heavy cash use is worth checking against the included amount first.
How do I add money to the account?+
Loading is done by SEPA transfer, and the top-up fee is 0.9% SEPA transfer. Because each load is charged, it is worth adding money in fewer, larger amounts rather than topping up often.
Does it offer any rewards?+
No rewards scheme is attached to the card. The rewards type is none, so there are no points, cashback or miles to earn, and the money you spend simply comes out of the loaded balance.
How do I reach customer service?+
Support runs on phone, email and chat, covering phone, email, chat and a help centre. The account is issued by Dock Financial S.A. in Luxembourg, so there is a written channel as well as live ones.
How does it compare with cheaper prepaid cards?+
On running cost it is the expensive option. Its monthly fee of €9.95 compares with a monthly fee of €5 at Skrill, a monthly fee of JMD 0 at JMMB Moneyline and JMMB Money Transfer prepaid card and a monthly fee of BHD 0 at CrediMax Cardy EX prepaid Visa.
Sources
- service.viabuy.com/hc/en-gb/articles/360013575277-How-can... checked September 26, 2026
Backs: Support channels
“Phone: +44 203 002 9170, Email: service.en@viabuy.com, Live Chat via account”
- viabuy.com/pricing checked September 26, 2026
Backs: Free ATM withdrawals, Card type, Currency conversion fee, Top-up fee, Monthly fee, Card network
“VIABUY Prepaid Mastercard - main retail product”
- viabuy.com checked September 26, 2026
Backs: Headquarters, Legal entity
“110, route d'Arlon, 1150 Luxembourg, Luxembourg”
- viabuy.com/prepaid-mastercard-pricing-and-fees.html checked September 26, 2026
Backs: Annual fee, Rewards type
“No yearly fees for the first three years. Year 4 onwards: €29.90”
Compiled from 4 source pages, checked September 26, 2026. We did not open an account.
Not confirmed yet: Protection.