Pay 
Language 
Currency 
No results found
Evo card review: Advantages & disadvantages
Travelling soon and not sure how to manage your money abroad? Read our Evo card review and discover its benefits and services overseas.
When it comes to travelling, you need to think about everything, from the destination to how you’ll manage your money on your next stop. Paying abroad brings a lot of costs, including commissions and exchange rates, which can be a real headache for both your time and your wallet. In recent years, countless digital wallets and banking solutions have emerged, offering an immediate solution for frequent travellers.
At Holafly, we want to help make your travels more comfortable and help you choose the best option for you. This time, we’ve created a guide based on the Evo Banco card reviews, where we’ll walk you through this bank and its main benefits for travellers.
Before you pack your bags, take a moment to read this information and the experiences of other users with Evo, and decide if this is the digital bank that will provide you with comfort and savings while travelling.
What is Evo Banco?
Evo Banco is a Spanish financial institution founded in 2012, known for its digital focus and hassle-free banking philosophy. It operates under the umbrella of Grupo Bankinter, and its main proposition is to offer financial products and services with a 100% online experience, no commissions, and features that cater to the current needs of its customers.
How does Evo Banco work?
The bank doesn’t have a large network of physical branches, but it compensates with an intuitive and functional app that allows clients to manage banking tasks, check transactions, and access promotions from anywhere in the world.
Its modern and mobile operations eliminate barriers like commissions on international payments. Sounds great, right? Additionally, its cards are compatible with services like Bizum and EVO Wallet for mobile payments.
Where can I use the Evo Banco card?
The Evo Banco cards are issued under the Visa system, a globally recognised network used in ATMs around the world. This means you’ll enjoy a restriction-free financial experience in stores, accommodations, and transport services in over 80 countries, including the United States, Europe, Asia, and Latin America.
Evo Banco Cards and Services for Travellers
Smart Card
Designed for the convenience and savings of its customers, it becomes an incredible option for travellers according to Evo Banco card reviews, due to the absence of commissions for foreign currency payments or withdrawing cash from ATMs worldwide, in addition to official exchange rates with no extra charges.
This card is part of their smart account, a banking product that combines a current account and a savings account in a single contract.
Additionally, the Evo Banco smart card comes with exclusive promotions like discounts on Booking.com and Rentalcars, the go-to websites for travel enthusiasts.
Travel Cash: Receive Your Money via Delivery
Did you think this was possible? Well, it is with EVO Travel Cash, a service available in the app within your Evo account, where you can request foreign currencies before your trip if you’d like to carry some cash with you.
How does it work?
- Currency selection: Choose from over 80 types of foreign currencies.
- Online request: Request the desired amount from the Evo Banco app or website.
- Fast delivery: The currencies will be delivered to your address within 24-48 hours. This service comes with a fixed cost of three euros for shipping.
- Exchange rate guarantee: Evo Banco guarantees a competitive exchange rate and offers theft protection of up to €1,000 ($1,075).
Travel Insurance
That’s not all! Evo Banco offers travel insurance that you can purchase if you’re a customer through its app. These insurance policies include basic coverage for medical emergencies, flight cancellations, luggage loss, and other common travel mishaps.
The specific coverage and rates depend on the plan selected, but in general, purchasing these insurance policies is simplified through the Evo Banco app, allowing you to manage them easily from your mobile.
N26 Debit Card Features
The reviews of Evo Banco card often highlight the main features of the service, designed to make your financial life easier:
- Card type: The card is a debit card and operates under the Visa network, ensuring wide acceptance in over 200 countries.
- International payments: No currency conversion fees, using the official exchange rate.
- ATM withdrawals: You can withdraw cash from any ATM worldwide without additional charges from Evo Banco (though the ATM operator may apply a fee).
- Digital security: Includes features such as card activation and deactivation via the app, as well as security alerts for international payments.
- Exclusive promotions and benefits:
- 4% cashback on Booking.com.
- Discounts on car rentals with Rentalcars.
- Refunds at Galp petrol stations.
Evo Banco Card Fees and Commissions
One of the reasons why the Evo Banco card reviews are positive is due to its transparency and highly competitive fee policies that eliminate unnecessary costs, making it a great saving option, especially on long trips.
How much does it cost to use the Evo Banco card?
- Issuance and maintenance: The card is free, with no maintenance fees.
- ATM withdrawals: Eurozone withdrawals are free. Outside the Eurozone, there are no fees, but it’s important to check if the local ATM operator applies a surcharge.
- Foreign currency payments: Official Visa exchange rate, with no extra charges.
So, let’s assume you’re enjoying your trip to the United States and make a €93 ($100) purchase:
- With Evo Banco: You will pay the exact equivalent in euros according to the official exchange rate.
- With another card with a standard 3% commission: You would pay around €96 ($103).
Advantages and Disadvantages of the Evo Banco Card
When evaluating the Evo Banco card reviews, it’s important to look at the whole picture: Both the benefits and potential drawbacks of managing your money with this digital bank.
| Pros | Cons |
| No commission for currency conversion: Great for foreign payments at the official exchange rate. | Requires notifying international trips to avoid temporary blocks for security reasons. |
| Free withdrawals at international ATMs: Access cash with no additional cost (except for ATM operator fees). | No credit card option: Only offers a debit card, limiting flexibility in certain cases. |
| Global acceptance: The Visa card can be used at millions of stores and ATMs worldwide. | No physical office for immediate inquiries: Some people prefer in-person customer service. |
| EVO Travel Cash service: The option to buy foreign currencies before travelling. | Currency delivery cost: €3 ($3.20) delivery charge for sending currencies to your address. |
| Exclusive promotions: Cashback and discounts on services for travellers like Booking.com or Rentalcars. |
How to Apply for the Evo Banco Card
Applying for the smart card from Evo Banco is very quick. We’ll guide you step by step below:
1. Access the Evo Banco website or app
- Go to the official Evo Banco website or download their app from the App Store or Google Play.
2. Select the smart account
- In the products section, choose the smart account, as the card is associated with this bank account.
3. Complete the registration form
- Provide your personal details: Full name, address, email, and phone number.
- Include your valid ID number (DNI, NIE, or passport for foreign residents in Spain).
4. Verify your identity
- Complete the verification process via a video call with an agent or by uploading a photo of your ID. This ensures the security of the registration.
5. Make the initial deposit
- Make a minimum deposit to activate your account. This amount is symbolic, and you can access it once the account is operational.
6. Receive your card
- The card will be sent to your address within a few days. You will also have immediate access to a virtual card from the app to start operating digitally.
7. Activate your card
- Once received, activate the card via the app to start using it.
User Experience and Reviews of the Evo Banco Card
The Evo Banco card reviews on official sites like Trustpilot reflect a mostly positive experience, especially for people who want to avoid fees or extra charges on their banking transactions.
Additionally, the problem-solving qualities of the customer service department are highly praised by users who had questions or issues, as well as the ease of having the card accepted at a wide range of places around the world.
Trustpilot
“I wanted a duplicate of the card, and the telephone service was very good… They don’t charge any fees and also offer interest on the account. Many ATMs can be used free of charge.”
~ Francisco Cases.
Trustpilot
“In general, I’m very happy with Evo Banco and the smart services it offers. It’s a very modern bank, with many advantages both for spending and saving money.”
~ Doreen.
Trustpilot
“I’ve been working with EVO Banco for over 10 years, and I’m more than satisfied with EVERYTHING. The phone service is always excellent, they don’t charge any fees for anything, you can withdraw money with your card anywhere in the world, and they don’t charge a single euro in commission…”
~ Carlos.
Trustpilot
“The account has many advantages—or better said, very few drawbacks—and zero costs… I’m delighted with the efficiency and transparency of this bank.”
~ Vicente.
Trustpilot
“They answered all my questions from the call in a very pleasant way and also gave me more information about a travel insurance plan offered by Evo Banco that my partner and I might be interested in.”
~ Sara Mangas.
Trustpilot
“I’ve used the card abroad to withdraw money, and it worked perfectly. And that’s about it—the app works well, they don’t charge fees, and all procedures can be done online or by phone, so it’s perfect.”
~ Fernando M.
How to Apply for the Evo Banco Card
As a bonus to this article about Evo Banco card reviews, let’s explore three other standout digital banking options — N26, Vivid Money, and WiZink — which might also work well for you if Evo didn’t completely convince you.
N26:
N26 is a digital bank from Germany that has become very popular among travellers for its minimalist and efficient approach. Like Evo Banco, N26 operates without physical branches and is managed entirely through an intuitive app.
- International accounts: offers accounts in euros and US dollars, useful if you handle different currencies.
- Free card: the standard version includes a Mastercard with no foreign transaction fees.
- Withdrawals abroad: in the free account, ATM withdrawals have a 1.7% fee. With the premium account (N26 You), foreign currency withdrawals are free.
Vivid Money
Vivid Money is another digital alternative that is gaining popularity among young users and travellers who want to enjoy banking services along with extra perks such as rewards and cashback.
- Free Visa Card: Vivid offers a free metal card that allows international payments with no fees.
- Rewards and cashback: Users can get up to 25% cashback on certain purchases, making it ideal for travel and everyday expenses.
- Multi-currency accounts: The ability to manage accounts in multiple currencies makes Vivid convenient for those visiting several countries.
WiZink
WiZink is a Spanish financial institution known for its credit cards, which sets it apart from options like Evo Banco, which only offers debit cards.
- Flexible credit card: WiZink cards allow instalment payments and offer higher limits for emergencies or large purchases.
- Cashback: Some cards include a 3% cashback system on selected purchases.
- Global coverage: As part of the Mastercard network, its cards are widely accepted around the world.
Important: If you are a frequent traveler and want to stay connected without worrying about expensive roaming or looking for a new SIM at every destination, Holafly’s subscription plans are for you. With a single eSIM, enjoy internet in more than 160 countries for a fixed price and no surprises on your bill. Travel without limits and connect easily and securely! 🚀🌍
Now it’s time to choose how you’ll protect your money. Remember that at Holafly, we’re here to provide you with the best travel information and the best internet connection.
Manage your finances and make transfers in seconds without worrying about losing connection throughout your trip With Holafly’s global plans, forget about roaming and traditional SIM cards.
