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VIALET review

The IBAN account and VIALET credit card are not available in Ireland. Compare your options to manage your money and spend elsewhere.

VIALET is not available to customers in Ireland. Unless you live in Poland, Lithuania or Latvia, you’ll need to look elsewhere.

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€0

Maintenance fee

€2

ATM fee

Details

Product NameVIALET Current Account
Fee periodMonthly
Maintenance fee€0
Account TypeDigital banks, Current accounts
Online account onlyYes
Supported currencies

1

Card deliveryN/A
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More Info

How does VIALET work?

VIALET is a free IBAN account that you can apply for and manage using your smartphone. The main advantage of VIALET is the ability to transfer money with no fees. However, the main disadvantage is that it’s not available in Ireland. You need to have a telephone phone number in Poland, Lithuania or Latvia and have EEA country ID (with the exception of ID from Italy and France).

Key features of VIALET

  • Fee-free Euro spending. There’s no charge for making payments within the Single European Payments Area (SEPA). It’s also free to send and receive funds with other VIALET accounts.
  • Credit card. Access the Mastercard credit card only if you live in Latvia, Poland or Spain. It is not available in Ireland.
  • Spending notifications. Get a push notification on your phone every time you spend, receive or send money.
  • Contactless payments. Simply swipe your card to pay at any location that accepts Mastercard globally. Or use your PIN.
  • Security features. VIALET offers a 3D secure system to protect your online purchases. Plus, you can block your card instantly if you’ve lost it and this can be done via the app.
  • Adding funds. It’s easy to top up via a card or bank transfer.

VIALET fees

VIALET has a few fees to consider, including:

  • Monthly fee of €0 for the current account
  • If you want a physical VIALET Mastercard credit card with your account, you’ll need to pay a €4.95 if you live in Spain, otherwise it’s free for residents of Poland and Latvia.
  • There’s a fee of €3.99 for maintaining the VAILET card in Spain. It’s free in Poland and Latvia
  • It’s free to top up your account
  • ATM withdrawal fee of 2%. In Poland, it’s 5% fee (minimum 10PLN)
  • There are zero fees for delivery of the VIALET credit card in Poland and Latvia. However, there’s a €4.95 fee for residents of Spain.
  • Card replacement and delivery is €4.95
  • An inactivity fee of €3 will be applied each month.

Pros and cons

Pros

  • Free money transfers. Benefit from fee-free money transfers around the world.
  • Free SEPA payments. Enjoy free SEPA payments when you shop around Europe.
  • Mobile app. Use the mobile app to manage your finances on the go.

Cons

  • Limited supported countries. VIALET’s account and credit card are not available to customers in Ireland. You need to have a valid telephone number from Poland, Lithuania or Latvia to open an account. And you will need to reside in Latvia, Spain or Poland to get hold of the physical VIALET Mastercard credit card.
  • ATM withdrawals fees. There’s a 2% charge for withdrawing cash and the minimum fee is €2.50. In Poland, it’s 5% of the withdrawal amount (minimum 10PLN). For non-Euro withdrawals, you’ll pay 2% of the amount (minimum €2.50), a Mastercard exchange rate plus 1% of the withdrawal amount.
  • Fees for non-Euro payments with VIALET card. Making a non-Euro payment will result in a Mastercard exchange rate fee in addition to a 2% (min. 2.5€) fee of the total transaction amount.

Verdict

While the VIALET current account is a convenient, no-frills account that can be useful for those that need to transfer money throughout Europe. It’s not available to customers in Ireland so you’ll need to look elsewhere. Compare other free digital bank accounts available in Ireland using our table.

Experiences from other VIALET users

VIALET scores 3.6 out of 5 based on 29 reviews and is rated Average on Trustpilot.

User ratings# of reviewsWhat do customers say
3.6 / 529
  • “High quality and reliable service. Nice to cooperate (with).” — Aleksandrs Saranins
  • “Quick and easy to deal with.” — Igors Maksimovs
  • “Absolutely not a good money app. Bad support. Bad reactivity.” — Greenbay

*Note: The information provided is based on the reviews and the rating on Trustpilot (20 July 2022).

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