Stanbic Bank Ghana MoneyWallet review
Updated September 28, 2026 · HodlCue Editorial Team · Facts checked September 26, 2026
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Our verdict
Stanbic Bank Ghana MoneyWallet suits people in Ghana who want a single prepaid card for several currencies and travel, and the monthly fee is GHS 0. The catch is conversion, which costs 4.75%, so spend at home and let trips be the reason you hold it.
Key facts
- Best for
- A low monthly cost prepaid multi-currency card for people spending and travelling from Ghana.
- Monthly fee
- GHS 0↗
- Currency conversion fee
- 4.75%↗
- Free ATM withdrawals
- GHS 0↗
- Card type
- Prepaid↗
- Top-up fee
- 2% of load value, min USD 15 (GBP 10, EUR 15, ZAR 200)↗
- Card network
- Mastercard↗
- Currencies
- 4↗
- Legal entity
- Stanbic Bank Ghana LTD↗
- Headquarters
- Ghana↗
- Support channels
- Phone, Email, Help-centre↗
- Features
- Multi-currency, Travel
- Official website
- stanbicbank.com.gh
Facts checked September 26, 2026, 3 sources
Apps and profiles
- Get the app
- App StoreGoogle Play
- Elsewhere
- WikidataLinkedInXfacebook.com
Pros and cons
Pros
- The card is prepaid and runs on mastercard, so it fits multi-currency travel spending
- Built for travel, holding 4 currencies on the same card
- Issued by Stanbic Bank Ghana LTD under the Bank of Ghana and the Securities and Exchange Commission of Ghana
Cons
- Currency conversion is charged at 4.75%, well above the site median of 1%
- The free ATM allowance is GHS 0, so budget for cash withdrawals
- Support runs on phone, email and help centre only
Who it suits
- You hold a few currencies and travel from Ghana, and want a single prepaid card for spending
- You want a card from a Ghanaian bank under the Bank of Ghana rather than a euro platform such as Bitpanda, whose monthly fee is €0
Who should look elsewhere
- People who convert money often, since the conversion fee of 4.75% is heavy next to the site median of 1%
- Readers who would rather hold a sterling or euro account, such as Monzo Flex with a monthly fee of £0 or Bitpanda at €0
Fees
The card carries a monthly fee of GHS 0, so holding it costs nothing on its own. Money moves in at a price, with loading charged at 2% of load value, min USD 15 (GBP 10, EUR 15, ZAR 200). Spending from a balance you already hold avoids the other charge, which is conversion at 4.75%, and that is the number to watch if you switch currency often.
How your money is protected
Stanbic Bank Ghana LTD issues the card from Ghana, and the Bank of Ghana and the Securities and Exchange Commission of Ghana are the regulators listed for it. The card is prepaid, so what you have loaded sits with the bank as a single balance. Support runs on phone, email and help centre.
How Stanbic Bank Ghana MoneyWallet compares
8.5 vs 9.4
8.5 vs 9.0
8.5 vs 8.2
8.5 vs 9.5
8.5 vs 9.6
8.5 vs 9.0
8.5 vs 9.1Priced in EUR with a monthly fee of €0, a tie on monthly cost for readers weighing a euro listing.
8.5 vs 8.9
8.5 vs 8.1
8.5 vs 8.2
8.5 vs 9.5
8.5 vs 9.4
8.5 vs 9.2
8.5 vs 9.1
8.5 vs 9.0
8.5 vs 8.9- 8.5 vs 8.8
8.5 vs 8.8
8.5 vs 8.6
8.5 vs 8.5
8.5 vs 8.3
Where Stanbic Bank Ghana MoneyWallet is available
- Available
- Ghana
- Licence in Ghana
- Bank of Ghana, checked September 26, 2026
- Licence in Ghana
- Securities and Exchange Commission of Ghana, checked September 26, 2026
Countries from the brand (Source, checked September 26, 2026)
Frequently asked questions
How much does the MoneyWallet card cost to hold?+
The monthly fee is GHS 0, so there is no charge for keeping the card open. Money costs come from loading and converting instead: top-ups are priced at 2% of load value, min USD 15 (GBP 10, EUR 15, ZAR 200), and currency conversion is charged at 4.75%.
What does it cost to convert currency?+
Conversion is charged at 4.75%, which reads high beside the site median of 1%. Spending from a balance already in the currency you need avoids the charge. Convert often and this becomes the number that decides between travel cards.
How many currencies can the card hold?+
The card is built for multi-currency use and travel, holding 4 currencies on a single prepaid product. That suits a trip where the currency you arrive with differs from the one you spend in, so you avoid opening a separate account for each leg.
Who regulates the MoneyWallet card?+
The card comes from Stanbic Bank Ghana LTD in Ghana. The Bank of Ghana and the Securities and Exchange Commission of Ghana are the regulators listed for it, which is the starting point for checking how the account is supervised and what the terms say about your balance.
How do I get help with the card?+
Support runs on phone, email and help centre, so a call, an email or the help centre covers most questions. Keep your reference details handy when you reach out, and note that live chat is not among the listed channels.
Is the MoneyWallet card a debit card?+
It is a prepaid card running on mastercard, which sets it apart from a debit card that draws on a current account. You load money first, then spend what is there, so keeping the balance topped up is part of everyday use rather than an occasional task.
Who is the card for?+
It fits people in Ghana who travel, hold a few currencies and want a single card instead of several, and the monthly fee is GHS 0. It suits everyday local spending well. Heavy converters get a harder deal, since conversion is charged at 4.75%.
How does monthly cost compare with other travel cards?+
Monthly cost is a tie here. MoneyWallet charges GHS 0, Monzo Flex lists £0, Wise lists £0 and Bitpanda lists €0. The deciding numbers are therefore the conversion fee of 4.75% and the load charge of 2% of load value, min USD 15 (GBP 10, EUR 15, ZAR 200).
Sources
- stanbicbank.com.gh checked September 26, 2026
Backs: Legal entity, Licences
“Stanbic Bank Ghana LTD is a financial services provider licensed by Bank of Ghana and Securities and Exchange Commission of Ghana with company registration number CS659892”
- stanbicbank.com.gh/gh/personal/about-us checked September 26, 2026
Backs: Headquarters
“Ghana is our home, and we drive her growth.”
- stanbicbank.com.gh/gh/personal/products-and-services/bank... checked September 26, 2026
Backs: Free ATM withdrawals, Card type, Currencies, Features, Currency conversion fee, Top-up fee, Monthly fee, Card network, Support channels
“Domestic ATM withdrawal fee (Excluding foreign exchange fee) USD2”
Compiled from 3 source pages, checked September 26, 2026. We did not open an account.
Not confirmed yet: Protection.
Stanbic Bank Ghana MoneyWallet
A low monthly cost prepaid multi-currency card for people spending and travelling from Ghana.