Zenus Bank review

The account carries a monthly fee of $19.99. That is the main cost to weigh, and it sits at rank 411 of 422 brands. The card itself draws on your balance rather than lending, so there is no interest charge to pay on the card.

Yes, the account allows free ATM withdrawals of $0. That ranks at 44 of 124 brands on this measure. The median across the comparison is €0, so many rivals offer more.

It is a debit card that runs on the visa network. Debit card is the norm in this group, at 100% across the ranking. The card spends money you already hold rather than offering credit.

The account features a virtual card alongside its physical card, plus travel features. Both are listed as account features. The virtual card suits online spending where you would rather not use a card that is sitting in a wallet.

bunq charges a monthly fee of €0 and Wise charges £0, against $19.99 at Zenus Bank. The Varo Believe Secured Credit Card shows a monthly fee of $0, so paid monthly fees are not universal in this group.

It suits people who travel, hold several currencies and want both a physical and a virtual card from one account. The travel features and virtual card are both on the account. Readers who want a free monthly fee will find cheaper options.

The account is a debit card, and the monthly fee of $19.99 is the only recurring cost stated. No protection scheme is listed for this account, so check what cover applies to your balance before you fund it.