Stanbic Bank Ghana MoneyWallet review
Updated September 28, 2026 · DebitCue Editorial Team · Facts checked September 26, 2026
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Our verdict
Stanbic Bank Ghana MoneyWallet is a prepaid multi-currency card for Ghanaian travellers and anyone holding several currencies at once. The monthly fee is GHS 0, but a currency conversion fee of 4.75% sits well above the prepaid median, 0.5%, so foreign spending is the part to watch.
Key facts
- Best for
- A prepaid multi-currency wallet with no monthly charge for Ghanaian travellers.
- Monthly fee
- GHS 0 (Source, checked September 26, 2026)
- Currency conversion fee
- 4.75% (Source, checked September 26, 2026)
- Free ATM withdrawals
- GHS 0 (Source, checked September 26, 2026)
- Card type
- Prepaid (Source, checked September 26, 2026)
- Top-up fee
- 2% of load value, min USD 15 (GBP 10, EUR 15, ZAR 200) (Source, checked September 26, 2026)
- Card network
- Mastercard (Source, checked September 26, 2026)
- Currencies
- 4 (Source, checked September 26, 2026)
- Legal entity
- Stanbic Bank Ghana LTD (Source, checked September 26, 2026)
- Headquarters
- Ghana (Source, checked September 26, 2026)
- Support channels
- Phone, Email, Help-centre (Source, checked September 26, 2026)
- Features
- Multi-currency, Travel
- Official website
- stanbicbank.com.gh
Apps and profiles
- Get the app
- App StoreGoogle Play
- Elsewhere
- WikidataLinkedInXfacebook.com
Pros and cons
Pros
- The monthly fee is GHS 0, so keeping the wallet open costs nothing.
- One card holds 4 currencies, so trips need fewer other cards.
- Cardholder help runs on phone, email and help centre, so phone and email both work.
- The issuer is Stanbic Bank Ghana LTD, with the Bank of Ghana named as regulator in the licence record.
Cons
- Currency conversion is the weak point: the fee is 4.75%, well above the prepaid median, 0.5%.
- Loading the card costs 2% of load value, min USD 15 (GBP 10, EUR 15, ZAR 200), so frequent top-ups add up quickly.
- Cash is not included: the free ATM allowance is GHS 0.
Who it suits
- Ghanaian residents who travel and want one prepaid wallet for several currencies.
- Anyone who wants a Mastercard prepaid card with no monthly charge.
- Travellers who keep a balance in each currency and convert only what they spend.
Who should look elsewhere
- Skrill, which charges a monthly fee of €5, suits buyers who want a fixed euro wallet instead.
- JMMB Moneyline and JMMB Money Transfer prepaid card, at a monthly fee of JMD 0, fits readers who do not need multi-currency holding.
- CrediMax Cardy EX prepaid Visa, whose monthly fee is BHD 0, is the pick for anyone who prefers a Visa card to the mastercard network.
The company behind it
MoneyWallet is issued by Stanbic Bank Ghana LTD, a bank headquartered in Ghana, and the licence record names the Bank of Ghana as regulator there, alongside the Securities and Exchange Commission of Ghana. Cardholder help runs on phone, email and help centre, so phone, email and a help centre are all in place. The wallet is issued by an established Ghanaian bank rather than an app or an exchange.
How Stanbic Bank Ghana MoneyWallet compares
8.5 vs 9.4
8.5 vs 9.0
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8.5 vs 8.8- 8.5 vs 8.8
- 8.5 vs 8.8
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8.5 vs 8.0
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
What does MoneyWallet cost to hold each month?+
The monthly fee on the prepaid card is GHS 0, so keeping the wallet open costs nothing. The charges sit elsewhere: loading the card costs 2% of load value, min USD 15 (GBP 10, EUR 15, ZAR 200), converting between currencies costs 4.75%, and the free ATM allowance is GHS 0.
How expensive is currency conversion on the card?+
Conversion runs at 4.75%. The prepaid median on the site is 0.5% and the upper quartile reaches 2.99%, which places MoneyWallet among the pricier prepaid cards for anyone spending abroad each month.
How many currencies can I hold?+
The wallet holds 4 currencies on one prepaid card, and the features listed for it are multi currency and travel. Keeping a balance in each currency lets you pay locally and convert only what you actually spend, rather than converting a whole trip before you fly.
What does it cost to top up the card?+
Loading the card costs 2% of load value, min USD 15 (GBP 10, EUR 15, ZAR 200). That charge is set on the load value rather than on a fixed month, so the bill grows with each top-up and fewer, larger loads work out cheaper. The monthly fee of GHS 0 does not offset it.
Can I take out cash with the card?+
The free ATM allowance is GHS 0, so cash withdrawals are charged. Prepaid cards on the site reach a free allowance of €2.50 at the upper end, well above this card, so anyone who needs local cash should expect to pay for it.
Who issues the card and which regulator is named?+
The card comes from Stanbic Bank Ghana LTD, a bank headquartered in Ghana, and the licence record names the Bank of Ghana as regulator there, alongside the Securities and Exchange Commission of Ghana. Ask the bank about any protection scheme on the balance through phone, email and help centre.
Which card network does MoneyWallet use?+
It is a prepaid card on the mastercard network, so it behaves like an ordinary payment card at home and abroad. Among prepaid cards on the site, 43.8% run on Mastercard and 51.4% on Visa, so both schemes are well represented there.
Who is MoneyWallet for?+
It suits Ghanaian residents who travel and want to hold several currencies without a monthly charge. It is a poor fit for people who take out cash often, since the free ATM allowance is GHS 0, or for those who convert on every purchase, because 4.75% is a heavy rate to repeat.
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.
Related by the facts
Stanbic Bank Ghana MoneyWallet
A prepaid multi-currency wallet with no monthly charge for Ghanaian travellers.