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D360 Bank review

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

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Our verdict

D360 Bank suits anyone who wants a plain debit card with no monthly charge and no currency conversion fee, since its monthly fee is SAR 0 and its currency conversion fee is 0%. It is built around Saudi banking, so European readers should weigh that first.

Key facts

Best for
A fee-free debit card for Saudi banking, and for travel where the currency conversion fee is the thing that matters.
Monthly fee
SAR 0↗
Currency conversion fee
0%↗
Card type
Debit↗
Legal entity
D360 Bank↗
Headquarters
Saudi Arabia↗
Founded
2022↗
Features
Travel, Multi-currency
Official website
d360.com

Facts checked September 26, 2026, 2 sources

Apps and profiles

Get the app
App Store
Elsewhere
LinkedInX

Pros and cons

Pros

  • A monthly fee of SAR 0 for holding the account.
  • A currency conversion fee of 0%, with travel and multi-currency use listed as the reasons to hold the card.
  • The card and the account come from the same provider, D360 Bank, rather than a separate card partner.

Cons

  • It is a debit card, so nothing on the offer builds a credit history.
  • The bank opened in 2022, so it is a younger operation with a shorter track record than the European rivals.
  • The card comes from a bank based in Saudi Arabia, so a reader in the UK or Europe buys into a single market and a foreign currency.
D360 Bank

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Scored 8.8 / 10 by SumCue.

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Who it suits

  • People living in Saudi Arabia who want a debit card with a monthly fee of SAR 0.
  • Travellers and expatriates who pay in several currencies and value a currency conversion fee of 0%.
  • Readers weighing bunq, Wise or the Varo Believe Secured Credit Card who want a non-European option priced at the simple end.

Who should look elsewhere

  • Readers who want a credit-building card: D360 Bank issues a debit card, and the Varo Believe Secured Credit Card is the secured option here.
  • Readers banking mainly in sterling or euro, where Wise lists £0 and bunq lists €0 in their own currencies.

Fees and currency costs

Costs are the strongest part of the offer. The monthly fee is SAR 0 and the currency conversion fee is 0%, so holding the account and converting currency both come at nothing extra from the bank. The price a reader pays on a foreign purchase therefore comes from the exchange rate rather than a bank markup.

Who runs it

D360 Bank operates as D360 Bank, a bank based in Saudi Arabia that opened in 2022. The card is issued under the bank's own name, so the provider of the card and the provider of the account are the same company. It is a young institution built for a single market rather than for a multi-country one.

How D360 Bank compares

Where D360 Bank is available

Available
Saudi Arabia

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

Frequently asked questions

How much is the D360 Bank monthly fee?+

The debit card comes with a monthly fee of SAR 0, so there is no standing charge for keeping the account open. For context, bunq lists €0, Wise lists £0 and the Varo Believe Secured Credit Card lists $0.

What does it cost to convert currency on the card?+

The currency conversion fee is 0%, so the bank adds no charge of its own when the card spends in another currency. What a reader sees on a foreign purchase is the exchange rate the network applies on the day, and the card's travel and multi-currency focus sits behind that choice.

Is this a debit card or a credit card?+

It is a debit card, so spending comes straight from the bank balance and there is no borrowing on the card itself. The monthly fee of SAR 0 applies to that card, and the account does not build a credit history the way a secured card would.

What is the card built for?+

The listed features are travel and multi-currency use, which fits readers who pay in several currencies rather than one. With a currency conversion fee of 0%, the card is aimed at spenders who cross borders often, and less aimed at anyone looking for rewards or interest on a balance.

Who is behind the card?+

The card is issued by D360 Bank, a bank based in Saudi Arabia. That means the account and the card come from the same company, so support and any dispute about a transaction sit with a single institution rather than a card partner and a bank. It is a single market business.

How new is D360 Bank?+

The bank opened in 2022, which makes it a young provider next to established European brands. Its card is debit and its monthly fee is SAR 0, so the offer is recent but priced at the simple end of the market.

Can the account be opened from the UK?+

D360 Bank is based in Saudi Arabia and the card is set up around that market, so treat it as a local option rather than a European one. bunq and Wise list monthly fees in euro and pounds, €0 and £0, which suits a European balance.

Sources

Compiled from 2 source pages, checked September 26, 2026. We did not open an account.

Not confirmed yet: Free ATM withdrawals, Protection.

Related by the facts

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A fee-free debit card for Saudi banking, and for travel where the currency conversion fee is the thing that matters.

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