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MoneyWallet Multi-Currency Card

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This card enables cardholders to load up to five currencies onto one card which can be reloaded as many times as they want during the life of the card. This can be used for purchases (including e-commerce purchases) and ATM cash withdrawals wherever MasterCard® is accepted in Ghana or abroad.

Card features

Multiple Currencies, Multiple Locations

  • This single Card can be used when travelling to multiple countries – cardholders can load different currencies on the Card depending on where they are going.
  • Flexibility of the Card is such that loading is easy – either load into one currency and then move currencies around, or load into several currencies on purchase.
  • Also remember that you can use the Card to pay in any currency, even if that currency is not loaded on the Card**

Worldwide acceptance

  • Ability to withdraw local currency at over 2 million ATMs worldwide displaying the MasterCard Acceptance Mark.
  • Accepted at over 35.9 million MasterCard locations globally.
  • Enabled for e-commerce transactions

Easy to use

  • Your Card is issued and activated instantly on purchase.
  • Your Card isn’t just for one trip; you can use it again and again (up to five years as per the expiry date shown on the Card). Simply top it up when next you go travelling**.
  • No transaction fee when using the Card to pay for goods or services (though some merchants may charge a fee or a currency conversion fee may apply if you pay in a currency that is different from the currency loaded on your Card)

Make the most of your money

  • Lock in the value of your foreign currency when you load or reload the Card so you never have to worry about exchange rates changing when you travel**.
  •  

Your card is smart

Your Card can carry up to five currencies every time you travel and it always knows which currency to use.  Load it with Ghana Cedi, US Dollars, British Pounds Sterling, Euros, and South African Rand, in whatever combination suites you, and then keep it topped up with the relevant currency. If you don’t have enough of the local currency on your Card then it can check to see if the other currencies on your Card can cover the bill. Please bear in mind that you will incur a foreign exchange fee should you use a currency other than a currency available on the Card. You can view this in the Fees and Limits section’

Budgeting

  • The Card is a prepaid Card which means cardholders can easily manage their travel budget.

Peace of mind

  • With chip and PIN protection and 24/7 Global Assistance for peace of mind, your Card may be the only travel card you’ll ever need.
  • Emergency cash available if the Card is lost or stolen up to the available balance on the Card, subject to the cardholder’s location.
  • Replacement Cards can be sent to the cardholder’s location (subject to availability and location).
Fees
Transaction Type Dollar Pound Sterling Euro SA Rand Ghana Cedi

Card Activation Fee

Free

Free

Free

Free

Free

Initial Loading Fee

2% of load value;
min $15

2% of load value;
min £10

2% of load value;
min €15

2% of load value;
min ZAR200

0.5% of load value;
min GH₵25

Reloading Fee

2% of reload value;
min $15

2% of reload value;
min £10

2% of reload value;
min €15

2% of reload value;
min ZAR200

0.5% of reload value;
min GH₵25

Cash-Out Fee (redemption in cash) cedis only

$15

£10

€ 15

ZAR200

GH₵25

Cash-Out Fee (redemption in Stanbic Bank account)

Free

Free

Free

Free

Free

Negative Balance Fee

$15

£10

€ 15

ZAR130

GH₵25

 

 

 

 

 

 

International ATM Withdrawal Fee* (excluding foreign exchange fee)**

$10

£8

€ 10

ZAR150

GH₵50

Domestic ATM Withdrawal Fee* (excluding foreign exchange fee)**

$4

£3

€ 4

ZAR50

GH₵10

Domestic and International Point of Sale (POS) Purchase Fee
(excluding Foreign Exchange Fee)**

Free

Free

Free

Free

Free

Online Purchase Fee

Free

Free

Free

Free

Free

Foreign Exchange Fee**

5%

 

 

 

 

 

 

Over the counter Fee

$10

£10

€ 10

ZAR150

GH₵50

Dormancy Fee (to be applied after 12 months of inactivity)

$3.00 per month

Global Assistance - Emergency Cash Fee

Free

Free

Free

Free

Free

Global Assistance - Lost/Stolen Card Replacment

Free

Free

Free

Free

Free

 

Limits

 

Limits

Dollar  

Pound Sterling   

Euro  

SA Rand  

Ghana Cedi      

Max ATM Withdrawal amount in 24hrs*

$2,500

or equivalent in the other currencies

Maximum load/reload allowed on your card at one time for Non-importers

$10,000

or equivalent in the other currencies (total value  across all currencies)

Maximum load/reload allowed on your card at one time for Importers ***

$50,000

or equivalent in the other currencies (total value  across all currencies)

Maximum amount that can be loaded on your card in any 12-month period (Annual limit)

$300,000 or foreign currency equivalent (total value across all currencies)

Maximum number of active card accounts at any one time

1

Card life

See expiry date on your card

Maximum PIN tries at an ATM or at a merchant

3 in each 24-hour period

Maximum amount that you can spend at merchant point of sale 

depends on the balance on your card

* Note that some ATM operators and/or merchants may set their own transaction and daily limits.

**These limits can change. You can find out more in the terms and conditions. We keep the latest version online at www.stanbicbank.com.gh/moneywallet

*** This applies to Importers to meet their legitimate needs abroad subject to the necessary documentation requirements before load/reload is done

How to get it
  • Visit the nearest Stanbic Bank branch with the following documents:
    • A nationally accepted identification card (voter's ID, driver’s license or passport)
    • Two passport-sized photographs
    • Proof of residence in the form of a utility bill (less than 3 months old)
  • Call our Customer Contact Center on:
    • MTN- 18080
    • VODAFONE- 080010009
    • All other networks- 0302 815 789
  • Card features
  • Fees
  • Limits
  • How to get it

Multiple Currencies, Multiple Locations

  • This single Card can be used when travelling to multiple countries – cardholders can load different currencies on the Card depending on where they are going.
  • Flexibility of the Card is such that loading is easy – either load into one currency and then move currencies around, or load into several currencies on purchase.
  • Also remember that you can use the Card to pay in any currency, even if that currency is not loaded on the Card**

Worldwide acceptance

  • Ability to withdraw local currency at over 2 million ATMs worldwide displaying the MasterCard Acceptance Mark.
  • Accepted at over 35.9 million MasterCard locations globally.
  • Enabled for e-commerce transactions

Easy to use

  • Your Card is issued and activated instantly on purchase.
  • Your Card isn’t just for one trip; you can use it again and again (up to five years as per the expiry date shown on the Card). Simply top it up when next you go travelling**.
  • No transaction fee when using the Card to pay for goods or services (though some merchants may charge a fee or a currency conversion fee may apply if you pay in a currency that is different from the currency loaded on your Card)

Make the most of your money

  • Lock in the value of your foreign currency when you load or reload the Card so you never have to worry about exchange rates changing when you travel**.
  •  

Your card is smart

Your Card can carry up to five currencies every time you travel and it always knows which currency to use.  Load it with Ghana Cedi, US Dollars, British Pounds Sterling, Euros, and South African Rand, in whatever combination suites you, and then keep it topped up with the relevant currency. If you don’t have enough of the local currency on your Card then it can check to see if the other currencies on your Card can cover the bill. Please bear in mind that you will incur a foreign exchange fee should you use a currency other than a currency available on the Card. You can view this in the Fees and Limits section’

Budgeting

  • The Card is a prepaid Card which means cardholders can easily manage their travel budget.

Peace of mind

  • With chip and PIN protection and 24/7 Global Assistance for peace of mind, your Card may be the only travel card you’ll ever need.
  • Emergency cash available if the Card is lost or stolen up to the available balance on the Card, subject to the cardholder’s location.
  • Replacement Cards can be sent to the cardholder’s location (subject to availability and location).
Transaction Type Dollar Pound Sterling Euro SA Rand Ghana Cedi

Card Activation Fee

Free

Free

Free

Free

Free

Initial Loading Fee

2% of load value;
min $15

2% of load value;
min £10

2% of load value;
min €15

2% of load value;
min ZAR200

0.5% of load value;
min GH₵25

Reloading Fee

2% of reload value;
min $15

2% of reload value;
min £10

2% of reload value;
min €15

2% of reload value;
min ZAR200

0.5% of reload value;
min GH₵25

Cash-Out Fee (redemption in cash) cedis only

$15

£10

€ 15

ZAR200

GH₵25

Cash-Out Fee (redemption in Stanbic Bank account)

Free

Free

Free

Free

Free

Negative Balance Fee

$15

£10

€ 15

ZAR130

GH₵25

 

 

 

 

 

 

International ATM Withdrawal Fee* (excluding foreign exchange fee)**

$10

£8

€ 10

ZAR150

GH₵50

Domestic ATM Withdrawal Fee* (excluding foreign exchange fee)**

$4

£3

€ 4

ZAR50

GH₵10

Domestic and International Point of Sale (POS) Purchase Fee
(excluding Foreign Exchange Fee)**

Free

Free

Free

Free

Free

Online Purchase Fee

Free

Free

Free

Free

Free

Foreign Exchange Fee**

5%

 

 

 

 

 

 

Over the counter Fee

$10

£10

€ 10

ZAR150

GH₵50

Dormancy Fee (to be applied after 12 months of inactivity)

$3.00 per month

Global Assistance - Emergency Cash Fee

Free

Free

Free

Free

Free

Global Assistance - Lost/Stolen Card Replacment

Free

Free

Free

Free

Free

 

 

Limits

Dollar  

Pound Sterling   

Euro  

SA Rand  

Ghana Cedi      

Max ATM Withdrawal amount in 24hrs*

$2,500

or equivalent in the other currencies

Maximum load/reload allowed on your card at one time for Non-importers

$10,000

or equivalent in the other currencies (total value  across all currencies)

Maximum load/reload allowed on your card at one time for Importers ***

$50,000

or equivalent in the other currencies (total value  across all currencies)

Maximum amount that can be loaded on your card in any 12-month period (Annual limit)

$300,000 or foreign currency equivalent (total value across all currencies)

Maximum number of active card accounts at any one time

1

Card life

See expiry date on your card

Maximum PIN tries at an ATM or at a merchant

3 in each 24-hour period

Maximum amount that you can spend at merchant point of sale 

depends on the balance on your card

* Note that some ATM operators and/or merchants may set their own transaction and daily limits.

**These limits can change. You can find out more in the terms and conditions. We keep the latest version online at www.stanbicbank.com.gh/moneywallet

*** This applies to Importers to meet their legitimate needs abroad subject to the necessary documentation requirements before load/reload is done

  • Visit the nearest Stanbic Bank branch with the following documents:
    • A nationally accepted identification card (voter's ID, driver’s license or passport)
    • Two passport-sized photographs
    • Proof of residence in the form of a utility bill (less than 3 months old)
  • Call our Customer Contact Center on:
    • MTN- 18080
    • VODAFONE- 080010009
    • All other networks- 0302 815 789