Standard Bank Shyft review

The monthly fee is ZAR 0, and loading money onto the card is free. That makes it a low-cost option for anyone who keeps a balance rather than borrowing. Shyft is built as a prepaid card.

Currency conversion costs 0.5% when you spend in a currency other than the one loaded. It holds 5 currencies, so you can hold and spend several without converting. Compare that rate with a single-currency card before you travel.

You can hold 5 currencies on the card, and it is listed as multi-currency. The card also carries virtual-card and travel features, which suits spending abroad. Spending outside the country triggers the conversion fee.

The free ATM allowance is ZAR 0, so cash withdrawals are not free on this card. That is worth weighing if you take money out often. It ranks 44 of 124 brands on free withdrawals.

The card is issued by The Standard Bank of South Africa Limited, which is licensed by the FSCA in South Africa. Its licence number is 11287. The account is based in South Africa.

Support runs on help centre, so you get help through the help centre. There is no other support channel listed, which means a quick answer on the phone or by email is not part of the offering. A written help centre is the main route to an answer.

It is a prepaid card, so you load money onto it before you spend rather than borrowing against a balance. Features listed for the card include a virtual card, which is handy for online spending. A virtual card can be added alongside the physical one.