Viabuy review

The monthly fee is €9.95. Outgoing domestic and SEPA transfers are free, as are card to card transfers. Topping the account up by a domestic or SEPA transfer carries a charge, so a bank transfer is not the cheapest way to fund it.

Viabuy charges 2.75% on conversion. Most accounts listed on the site convert at or under 2.08%, and Viabuy ranks 255 of 312 on that measure, so the difference shows quickly on spending away from the euro.

Deposits sit under EU DGS up to EUR 100,000. The provider behind the account is Dock Financial S.A. in Luxembourg, and the cover level is the one given in EU DGS up to EUR 100,000.

No. no credit check and digital only lists a no credit check sign-up alongside a digital only account, so the account opens without a credit history review. That suits people refused elsewhere, and it also means day to day banking runs entirely in the app.

Dock Financial S.A. is the legal entity behind Viabuy, based in Luxembourg. It holds an e-money institution authorisation from the Ministry of Finance of the Grand Duchy of Luxembourg and is registered with the Commission de Surveillance du Secteur Financier, so it sits inside a regulated framework.

Local details are listed under iban, so a local IBAN is included for receiving and sending euro payments. Loading the account by a domestic or SEPA transfer carries a charge, while outgoing domestic and SEPA transfers and card to card transfers stay free.

Support runs on email, chat and phone, covering phone, chat, email and a help centre. That mix suits people who would rather talk a problem through than type it, and it sits alongside the digital only account set out in no credit check and digital only, where the app handles the everyday banking.