Stanbic Bank Ghana MoneyWallet review

The card has a monthly fee of GHS 0, and the free ATM allowance is GHS 0. So keeping it open costs nothing, and ordinary spending and cash machine withdrawals add nothing either. The charges sit in loading the card and in converting currency.

Each load carries 2% of load value, min USD 15 (GBP 10, EUR 15, ZAR 200), the fee charged on the value loaded. Small frequent top-ups therefore cost more as a share of the balance than fewer larger ones. It pays to plan loads around how long the money is meant to last rather than topping up as you go.

The conversion fee is 4.75% on the amount converted, which places the card at 253 of 258 brands compared. The 0.4% median across prepaid cards is well below that, so a large spend abroad costs noticeably more here.

The card holds 4 currencies and is listed for multi currency and travel use. It is built for trips that need several currencies at once, so you can load each and pay in it without a separate card for every market.

The card is issued by Stanbic Bank Ghana LTD, a bank based in Ghana. The regulators named for it are the Bank of Ghana and the Securities and Exchange Commission of Ghana. Both are listed in Ghana, the market the card is built for.

It is a prepaid card that runs on the mastercard network, so it is accepted wherever that network is accepted and travels abroad without a separate card per market. The balance is the value you have loaded, so a trip needs a top-up plan.

Support runs on phone, email and help centre, so a call, an email or a help centre is the route for card blocks, load questions and fee queries. All three go to the issuing bank's own team, Stanbic Bank Ghana LTD in Ghana.

The card is listed for multi currency and travel use and holds 4 currencies, so it suits people whose spending moves between a few currencies rather than a single currency. It is a prepaid card, which means the balance is what you load, and the GHS 0 monthly fee makes it cheap to hold open between trips.