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BO2 by Byblos Bank review

Updated September 28, 2026 · SumCue Editorial Team · Facts checked September 26, 2026

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Our verdict

BO2 is the digital bank from Byblos Bank, built for people who want a fee-free multi-currency account with a debit card and a virtual card for travel. The monthly fee is $0, but conversion at 3% to 4.5% and support on phone only make it a fit for everyday banking rather than heavy travel spending.

Key facts

Best for
A multi-currency account with a virtual card and no monthly cost to hold it.
Monthly fee
$0↗
Currency conversion fee
3% to 4.5%↗
Free ATM withdrawals
$0↗
Card type
Debit↗
Card network
Visa↗
Currencies
7↗
Legal entity
Byblos Bank S.A.L.↗
Headquarters
Lebanon↗
Founded
2025↗
Support channels
Phone↗
Features
Multi-currency, Virtual card, Travel
Official website
byblosbank.com

Facts checked September 26, 2026, 4 sources

Apps and profiles

Get the app
App StoreGoogle Play
Elsewhere
WikidataWikipediainstagram.comfacebook.comX

Pros and cons

Pros

  • The monthly fee is $0, the same tier as bunq at €0 and Wise at £0.
  • Holds 7 currencies, and the feature list multi currency, virtual card and travel adds a virtual card and travel extras.
  • A debit card on the visa network, so it works as an ordinary card for everyday paying.

Cons

  • A currency conversion fee of 3% to 4.5%, above the debit card upper quartile of 2.5%.
  • Free ATM withdrawals come to $0, so taking cash out costs extra.
  • Support runs on phone only, with no chat or email channel listed.
BO2 by Byblos Bank

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Scored 8.4 / 10 by SumCue.

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Who it suits

  • People who want several currencies and a virtual card in one app without a monthly charge.
  • Spenders who pay and transfer in a single currency and rarely use cash machines.
  • Users happy to sort out questions by phone, since support runs on phone.

Who should look elsewhere

  • Wise suits people who convert currency in volume, where BO2 charges 3% to 4.5% on every conversion.
  • Starling Personal Account Debit Card, at £0 a month, is the alternative for anyone after a conventional bank debit card.
  • bunq saves nothing on the monthly bill: its fee is €0, the same as BO2's $0.

Where it sits among rivals

On the monthly fee, BO2 sits at 1 of 422 brands, the strongest cost position in the comparison. On free ATM withdrawals it sits at 44 of 124, the gap that follows from having no free cash withdrawals. Taken together, BO2 rewards you for holding and spending from the balance rather than for taking money out.

How BO2 by Byblos Bank compares

Where BO2 by Byblos Bank is available

Available
Lebanon

Countries from the brand (Source, checked September 26, 2026)

Frequently asked questions

What does it cost to run a BO2 account?+

The monthly fee is $0, so keeping the account open adds nothing each month. Currency conversion is the cost to watch, at 3% to 4.5% each time you spend in another currency. The card is debit on the visa network.

How many currencies can I hold?+

The account is multi-currency and covers 7 currencies in one place. The feature list multi currency, virtual card and travel also brings a virtual card and travel extras, so online orders and spending abroad run from the same balance.

Is BO2 a bank or an app?+

BO2 is the digital banking app launched by Byblos Bank, whose legal entity is Byblos Bank S.A.L.. It opened in 2025, and the balance sits with the bank rather than an intermediary. The card is debit on the visa network.

Can I withdraw cash free?+

Free ATM withdrawals come to $0, so cash machines are not part of the free deal. That is where BO2 ranks 44 of 124 on free ATM withdrawals. Paying by card or transferring in your own currency is the cheaper route.

How do I get help?+

Support runs on phone only, so questions are handled by phone. In-app chat and email are not listed, which suits people who prefer speaking to someone and suits others less well if they want written replies.

How does it compare with other fee-free accounts?+

bunq, Wise and Starling Personal Account Debit Card also charge nothing monthly, at €0, £0 and £0. What separates them is what you pay to use a card abroad, and BO2's 3% to 4.5% conversion fee is the item to weigh.

Who is BO2 for?+

It fits people who want several currencies and a virtual card without a monthly charge, since the fee is $0. It fits less well if you take cash out often, given $0 free ATM withdrawals, or if you convert currency in volume at 3% to 4.5%.

Sources

Compiled from 4 source pages, checked September 26, 2026. We did not open an account.

Not confirmed yet: Protection.

Related by the facts

BO2 by Byblos Bank

BO2 by Byblos Bank

A multi-currency account with a virtual card and no monthly cost to hold it.

8.4/10See alternatives