CIBC Caribbean review

The annual fee is $0, and the card is listed under a no annual fee model, so there is no charge for holding it. Costs appear when you spend abroad: currency conversion runs at 2.5%, which matches the upper quartile of 2.5% across the site.

Rewards are paid in points at 1 point per USD 1 spent, so spending builds a points balance rather than returning cash. The card is listed with rewards and a no annual fee model, and there is no cash back on everyday purchases.

Features listed include chip and PIN, contactless payment and worldwide Visa acceptance, plus a mobile app and online banking. The card is a debit card on the visa network, and a Visa Classic Debit card is what gives access to the savings balance.

The account is listed as easy access, and the interest paid on the balance is variable, applied through the year rather than held at a fixed rate. Funds stay accessible, and the Visa Classic Debit card links the balance to everyday spending.

The legal entity is FirstCaribbean International Bank Limited, headquartered in Barbados, and the brand has operated since 2002. The savings account, the cards and the personal loans all sit with the same bank, and borrowing is arranged as a direct lender.

Applicants need to be adults and supply national identification or a passport, proof of address, a job letter, a salary slip and recent bank statements. The loans cover personal and debt consolidation, run 60, and are aimed at home improvement with Low processing fees.

The listed mortgage purposes are purchase and remortgage, so the range covers buying a property and remortgaging. The savings account and card products sit under a single legal entity, FirstCaribbean International Bank Limited, so a customer can hold everyday money and borrowing with the same institution.

Support runs on phone, email and chat, which covers phone, email and chat. Day to day account work, such as checking the balance and paying, can be done in the mobile app and online banking that come with the card.

Losses across the listings run at 70.15%, and most listings sit between 65.75% and 74.5%. Those figures describe the products on the site rather than this bank's own record. Costs here are simpler: $0 on the card and Low processing fees on loans.