Viabuy review
Updated September 28, 2026 · SumCue Editorial Team · Facts checked September 26, 2026
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Our verdict
Viabuy suits anyone who wants a prepaid card for spending abroad and topping up by SEPA transfer. Costs are the weak point: a monthly fee of €9.95 and a currency conversion fee of 2.75% make it an expensive choice next to the alternatives here.
Key facts
- Best for
- A prepaid card for euro spending abroad, topped up by SEPA transfer.
- Monthly fee
- €9.95↗
- Currency conversion fee
- 2.75%↗
- Free ATM withdrawals
- €5↗
- Card type
- Prepaid↗
- Top-up fee
- 0.9% SEPA transfer↗
- Card network
- Mastercard↗
- Legal entity
- Dock Financial S.A.↗
- Headquarters
- Luxembourg↗
- Support channels
- Phone, Email, Chat, Help-centre↗
- Official website
- viabuy.com
Apps and profiles
- Get the app
- Google Play
Pros and cons
Pros
- Top-ups by SEPA transfer cost just 0.9% SEPA transfer.
- A free ATM withdrawal allowance of €5 comes with the card.
- Support runs on phone, email and chat, so help is there by phone and in writing.
- The card is prepaid and runs on the mastercard network, which suits a trip budget.
Cons
- An annual fee of €29.90 sits on top of the monthly charge, so the cost keeps running in a quiet month.
- Rewards type is none, so nothing comes back on everyday spending.
- The currency conversion fee of 2.75% applies to every foreign purchase, which bites on a card made for travel.
Who it suits
- People who load money by bank transfer and pay mostly in euros.
- Travellers who want a set spending limit rather than a bank account tied to every purchase.
- Anyone who wants help by phone, email or live chat, since support runs on phone, email and chat.
Who should look elsewhere
- Skrill, if a lighter monthly fee of €5 matters more to you.
- The JMMB Moneyline and JMMB Money Transfer prepaid card, whose monthly fee is JMD 0.
- The CrediMax Cardy EX prepaid Visa, whose monthly fee is BHD 0.
Fees and currency costs
Set aside €9.95 every month whether or not you spend. That monthly charge is the number to compare first, because it adds up over a year. Currency conversion costs 2.75% on top, so a card aimed at overseas spending still carries a charge on every foreign purchase. Topping up by SEPA transfer costs 0.9% SEPA transfer.
Who runs it
Viabuy is run by Dock Financial S.A., and it is based in Luxembourg (LU). That legal name is the one on your account agreement, so check it against the details you are given when you sign up. Support runs on phone, email and chat, which covers phone, email, chat and a help centre.
How Viabuy compares
8.8 vs 9.4
8.8 vs 9.0
8.8 vs 8.9
8.8 vs 9.4
8.8 vs 8.7
8.8 vs 9.2
8.8 vs 9.4
8.8 vs 8.7
8.8 vs 9.3
8.8 vs 8.9
8.8 vs 8.6
8.8 vs 9.2
8.8 vs 8.4
8.8 vs 8.5
8.8 vs 8.8Its monthly fee is €5, well below Viabuy's €9.95.
8.8 vs 9.0
8.8 vs 8.6
8.8 vs 8.3
8.8 vs 9.5
8.8 vs 9.4
8.8 vs 9.4
8.8 vs 9.3
8.8 vs 9.3
8.8 vs 9.3
8.8 vs 9.3
8.8 vs 9.2
8.8 vs 9.2
8.8 vs 9.2
8.8 vs 9.1
8.8 vs 9.1
8.8 vs 9.1
8.8 vs 9.1
8.8 vs 9.0
8.8 vs 9.0
8.8 vs 9.0
8.8 vs 8.9
8.8 vs 8.8
8.8 vs 8.7
8.8 vs 8.5
8.8 vs 8.4
8.8 vs 8.0- 8.8 vs 8.0
Where Viabuy is available
Countries from the brand (Source, checked September 26, 2026)
Frequently asked questions
What does Viabuy cost to keep each month?+
The monthly fee is €9.95, charged whether or not you use the card, and an annual fee of €29.90 is listed as well, so the two stack. Set that monthly charge against a competing prepaid card before you apply, because it is the biggest line in the price list here.
How much does it cost to spend in another currency?+
Currency conversion costs 2.75% on each foreign purchase, which adds up fast if you use the card abroad. Across the brands compared, that sits at 211 of 258, so keeping the card in euros and paying in euros avoids the charge.
How do I add money to the card?+
Top-ups by SEPA transfer cost 0.9% SEPA transfer, a percentage charged on each transfer. Because it is charged per transfer, small frequent top-ups carry more percentage each time than a single larger one. Plan how often you will load the card and size the transfers around that.
Can I take out cash without paying?+
A free ATM withdrawal allowance of €5 is included with the card. If you take cash out often, work out how much you use against that allowance, because the ranking on free withdrawals puts Viabuy at 38 of 124 among the brands compared.
What kind of card is it?+
It is a prepaid card on the mastercard network, so you spend only the balance you have loaded. The account is run by Dock Financial S.A.. A prepaid card suits people who want a set limit for a trip rather than a bank account tied to every purchase.
Who is behind the card if a payment goes wrong?+
The account is run by Dock Financial S.A., based in Luxembourg (LU), and that legal name is the one on your account documents. If a payment or a top-up goes wrong, support runs on phone, email and chat, so phone, email and chat are all routes in, and your account references are worth keeping to hand.
How does the price compare with other prepaid cards?+
Skrill charges a monthly fee of €5, the JMMB Moneyline and JMMB Money Transfer prepaid card lists JMD 0, and the CrediMax Cardy EX prepaid Visa lists BHD 0. Viabuy's €9.95 is the higher of the set.
Sources
- service.viabuy.com/hc/en-gb/articles/360013575277-How-can... checked September 26, 2026
Backs: Support channels
“Phone: +44 203 002 9170, Email: service.en@viabuy.com, Live Chat via account”
- viabuy.com/pricing checked September 26, 2026
Backs: Free ATM withdrawals, Card type, Currency conversion fee, Top-up fee, Monthly fee, Card network
“VIABUY Prepaid Mastercard - main retail product”
- viabuy.com checked September 26, 2026
Backs: Headquarters, Legal entity
“110, route d'Arlon, 1150 Luxembourg, Luxembourg”
- viabuy.com/prepaid-mastercard-pricing-and-fees.html checked September 26, 2026
Backs: Annual fee, Rewards type
“No yearly fees for the first three years. Year 4 onwards: €29.90”
Compiled from 4 source pages, checked September 26, 2026. We did not open an account.
Not confirmed yet: Protection.