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Moneybase review

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

We earn a commission when you sign up through links on this site. Partner status can affect where a brand appears in our rankings. Partners with a live offer in your country come first, then every other brand by score.

Our verdict

Moneybase gives business account holders a Mastercard debit card with a monthly fee of €0 and 24 currencies on the same account. Support runs through a help centre, so it suits firms paying across several markets that can manage without live chat.

Key facts

Best for
Business account holders who want a multi-currency Mastercard debit card with a €0 monthly fee.
Monthly fee
€0↗
Card type
Debit↗
Card network
Mastercard↗
Currencies
24↗
Legal entity
MONEYBASE LIMITED↗
Headquarters
Malta↗
Founded
1971↗
Support channels
Help-centre↗
Features
Multi-currency, Virtual card, Travel
Audience
Business
Official website
moneybase.com

Brokers

Regulators
MT MFSA↗
Investor protection
EU ICS up to EUR 20,000↗

Savings

Deposit protection
EU DGS up to EUR 100,000↗

Facts checked September 26, 2026, 4 sources

Apps and profiles

Get the app
App Store

Pros and cons

Pros

  • Monthly fee of €0 on a debit card, with 24 currencies held in the same account.
  • Deposits are covered by EU DGS up to EUR 100,000, and investment balances by EU ICS up to EUR 20,000.
  • Listed features include a virtual card, multi-currency and travel functions for business account holders.

Cons

  • Support runs on help centre only, with no phone or live chat route listed.
  • The account is aimed at business users, so personal shoppers have little reason to open it.
  • Only 24 currencies are available, which is narrow for frequent travel.
Moneybase

Ready to try Moneybase?

Scored 9.3 / 10 by SumCue.

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Who it suits

  • Businesses paying suppliers in several markets from one balance
  • Firms that want a virtual card alongside a physical Mastercard debit card
  • Business owners who want the monthly fee kept at €0

Who should look elsewhere

  • Personal current account shoppers: Starling's personal account debit card has a monthly fee of £0 and is built for individuals.
  • Anyone after a personal multi-currency account: Wise charges a monthly fee of £0 and serves private customers.
  • Borrowers rather than spenders: the Varo Believe Secured Credit Card charges a monthly fee of $0 for a secured card.

Who runs it

Moneybase is run by MONEYBASE LIMITED, headquartered in Malta and trading since 1971. Its electronic money licence is listed as PSD_EMI MT_MFSA!MNB, overseen by MT MFSA in Malta. Support runs through help centre, so most questions are answered in writing rather than on a call.

How Moneybase compares

Where Moneybase is available

Available
Malta
Licence in Malta
MT_MFSA (PSD_EMI MT_MFSA!MNB), checked September 26, 2026, also valid in Malta

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

Frequently asked questions

What does the Moneybase card cost each month?+

The card itself carries a monthly fee of €0, and Moneybase ranks 1 of 422 brands compared on that point. Spending abroad and holding several currencies is where running costs usually build, so check the published fee schedule for conversion charges before you commit.

Is my money protected, and under which scheme?+

Moneybase is listed with MT MFSA in MT under licence PSD_EMI MT_MFSA!MNB. Deposits are covered by EU DGS up to EUR 100,000, while any investment balance sits under EU ICS up to EUR 20,000. The two schemes cover different pots, so read which one applies to the balance you hold.

Who is the account built for?+

Moneybase markets the account to business users rather than private customers, and the card is a debit card. It suits a company paying suppliers in different currencies, not a personal current account shopper.

What kind of card is it?+

It is a debit card on the mastercard network, so it draws directly on the account balance. Listed features include a virtual card alongside multi-currency and travel functions, which suits staff who want a separate card for subscriptions or one-off payments.

How many currencies can the account hold?+

The account covers 24 currencies, enough for most European suppliers and travel spending without opening a second account. Fees and terms for each currency sit in the published cardholder terms, and the count covers holding rather than exchange rate spreads.

How do I get help if a card problem?+

Support runs on help centre, so most questions are answered in writing and in your own time. There is no phone or live chat route listed, which matters if a card is blocked while you are abroad on a business trip.

Where is the account regulated and usable?+

Moneybase is headquartered in Malta and supervised there by MT MFSA, and the card runs on mastercard. The protection listed is European, at EU DGS up to EUR 100,000, so a UK customer should confirm the scheme applies to their balance before opening.

What are the alternatives?+

For a personal account, Wise has a monthly fee of £0 and Starling's personal account debit card is listed at £0. For credit rather than spending, the Varo Believe Secured Credit Card also charges a monthly fee of $0.

Sources

Compiled from 5 source pages, checked September 26, 2026. We did not open an account.

Not confirmed yet: Currency conversion fee, Free ATM withdrawals, Protection.

Related by the facts

Moneybase

Moneybase

Business account holders who want a multi-currency Mastercard debit card with a €0 monthly fee.

9.3/10See alternatives