GlobXpay review

The listed monthly fee is JOD 0, so nothing is charged for keeping the account open between top ups. That matches the site median of €0 for prepaid cards, and the upper quartile there is also €0. Cost then comes from how you load and spend, not from holding the card.

Currency conversion runs at 3%, which places GlobXpay at 218 out of 259 brands compared on that fee. The site median for cards like this is 1% and the prepaid set median is 0.5%, so spending abroad is the expensive part of the account.

The free ATM withdrawal allowance is JOD 0, so withdrawals are charged rather than covered by the account. The site median allowance is €0 and the upper quartile is €118.23, so free cash is uncommon across the cards compared here.

Top ups run Free up to 250 JOD, then tiered fees. Smaller loads carry no charge, while larger ones fall into tiered fees, so topping up in several small amounts costs less than one large load. The monthly fee stays at JOD 0 whatever the top up pattern.

The regulator listed for GlobXpay is the Central Bank of Jordan. Its account is a prepaid card on the mastercard network, so the balance is loaded onto a card rather than held as a current account. The same fee schedule sets out a monthly fee of JOD 0 and a conversion fee of 3%.

It is a prepaid card on the mastercard network, and the account includes a virtual card. The virtual card suits online shops and subscriptions, where a physical card is awkward. Because the card is prepaid, the balance has to be loaded before spending rather than drawn from a bank account.

Spending earns cashback of 2%. Cashback is the most common reward shape in the prepaid segment, where 64% of the cards compared pay cashback, against 24% paying no reward at all. So the reward here is cash back on the card, not points or miles.

It suits readers in Jordan who spend mainly in dinars and want a Mastercard without a standing charge, since the monthly fee is JOD 0. It fits less well for anyone paying in several currencies, because conversion costs 3% and the free ATM allowance is JOD 0.