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Pago review

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

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Our verdict

Pago is a Mastercard debit account for businesses and travellers who want no monthly cost and low everyday charges. The monthly fee is ALL 0 and the currency conversion fee runs 0% to 2%, so card spending abroad stays cheap, though top-ups by card add a percentage cut.

Key facts

Best for
A low cost Mastercard debit account for businesses paying in other currencies.
Monthly fee
ALL 0↗
Currency conversion fee
0% to 2%↗
Free ATM withdrawals
ALL 0↗
Card type
Debit↗
Top-up fee
3% of the amount when topping up the Pago account by debit/credit card↗
Card network
Mastercard↗
Legal entity
Rubicon Sh.a.↗
Headquarters
Albania↗
Support channels
Help-centre↗
Features
Travel
Audience
Business
Official website
pago.al

Facts checked September 26, 2026, 3 sources

Apps and profiles

Get the app
Google Play
Elsewhere
WikidataWikipediaLinkedInfacebook.com

Pros and cons

Pros

  • The monthly fee is ALL 0, so holding the account adds nothing to monthly outgoings.
  • Currency conversion runs 0% to 2%, close to the 1% median across the debit cards compared here.
  • It is a debit card on the mastercard network, aimed at business and travel use.
  • Pago is licensed as an e-money institution by the Bank of Albania (Council of Supervision) under licence 52.

Cons

  • Topping up the Pago account by debit or credit card costs a percentage of the amount added, so card funded top ups raise the cost of funding the account.
  • The free ATM withdrawal allowance is ALL 0, so cash withdrawals are charged.
  • Support runs on help centre only.
Pago

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Scored 9.0 / 10 by SumCue.

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Who it suits

  • Businesses that want a Mastercard debit card for everyday spending with a ALL 0 monthly fee.
  • Companies paying suppliers in other currencies, where conversion runs 0% to 2%.
  • Travellers who want a card built for travel use rather than rewards.

Who should look elsewhere

  • Regular cash users, because the free ATM withdrawal allowance is ALL 0.
  • Anyone after a secured credit card rather than a debit account, an option with Varo Believe Secured Credit Card at $0.

Fees and FX

Pago charges a monthly fee of ALL 0 on the account, and the card is a debit card. Currency conversion runs 0% to 2% on foreign spend, against a 1% median across the debit cards compared here. Topping up the account with a debit or credit card takes a percentage of the amount added.

The company behind it

Pago runs on Rubicon Sh.a., based in Albania, and holds an e-money institution licence from the Bank of Albania (Council of Supervision), numbered 52. That makes it an e-money account rather than a deposit-taking bank. Support runs on help centre only.

How Pago compares

Where Pago is available

Available
Albania
Licence in Albania
Bank of Albania (Council of Supervision), e-money institution licence (52), checked September 26, 2026

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

Frequently asked questions

What does it cost to hold a Pago account?+

The monthly fee is ALL 0 and the card is a debit card, so there is no interest charge to service. The currency conversion fee runs 0% to 2% when you pay in another currency, and that is where most of the cost sits for anyone spending abroad.

What does it cost to top up the account?+

Topping up the Pago account with a debit or credit card takes a percentage of the amount you add, so card funded top ups cost more than the ALL 0 monthly fee suggests for heavy top up users. The card itself stays a debit card on mastercard.

Is my money safe with Pago and who supervises it?+

Pago operates under Rubicon Sh.a. and holds an e-money institution licence from the Bank of Albania (Council of Supervision), numbered 52. It is an e-money account rather than a deposit-taking bank, which is worth weighing against a current account for larger balances.

Can I withdraw cash free with the card?+

The free ATM withdrawal allowance is ALL 0, so treat cash as a paid feature rather than part of the free package. Paying by card is the cheaper route, and the conversion fee on foreign spend runs 0% to 2%.

What card do I get and where does it work?+

It is a debit card on the mastercard network, positioned for travel and for business users. Paying in another currency costs 0% to 2%, so the card suits trips and supplier payments where cash would be awkward.

Who is the account built for?+

The account targets business users, and the debit card is built around travel rather than rewards or credit. With a monthly fee of ALL 0, it suits a company that wants everyday card spending and currency conversion without an ongoing charge.

How do I get help if something goes wrong?+

Support runs on help centre only, so questions are answered through self service articles rather than a direct channel. The company behind the account is Rubicon Sh.a., based in Albania. Anyone who needs a phone line should weigh that before applying.

How do these fees compare with other debit cards?+

The 0% to 2% conversion fee sits around the 1% median across the debit cards compared here, and a 2.5% upper quartile is higher. The ALL 0 monthly fee places Pago among the compared cards that charge nothing to hold.

Sources

  • pago.al checked September 26, 2026

    Backs: Audience, Headquarters, Legal entity, Support channels, Licences

    “Pago Biznes - Llogari rrjedhese, Karta debiti Mastercard, Pagesa me QR, POS, E-commerce”

  • pago.al/home/karte-debiti-mastercard checked September 26, 2026

    Backs: Card type, Features, Card network

    “Karta e debitit Pago nga Mastercard”

  • pago.al/tarifa-dhe-komisione checked September 26, 2026

    Backs: Free ATM withdrawals, Currency conversion fee, Top-up fee, Monthly fee

    “Cash withdrawal at ATMs of the "Pago" network: 0 (Individ)”

Compiled from 3 source pages, checked September 26, 2026. We did not open an account.

Not confirmed yet: Protection.

Related by the facts

Pago

Pago

A low cost Mastercard debit account for businesses paying in other currencies.

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