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Best cheapest visa debit card
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Drobos fly
#1 Posted : Thursday, September 26, 2013 12:27:22 PM
Rank: Member

Joined: 4/24/2012
Posts: 331
Location: Vantage point
Am wondering what's the best one out there since most banks are capitalizing on consumer ignorance and making a killing.

Whats the latest on I&M debit visa cards? (I know they offer currency specific debit cards at 1,000/- per 5 years)

Whats the latest on Nationhela? (I know very little on that, probably have an annual deductible fee of 600/- making it one of the most expensive)

Equity visa card from what I have heard seems to be the cheapest to maintain of them all though I don't know about it being the best.

Know of any other visa cards with better rates?
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  | | Edit by user: Thursday, September 26, 2013 12:50 PM | Reason: Not specified
Impunity
#2 Posted : Thursday, September 26, 2013 2:10:24 PM
Rank: Elder

Joined: 3/2/2009
Posts: 26,331
Location: Masada
Drobos fly wrote:
Am wondering what's the best one out there since most banks are capitalizing on consumer ignorance and making a killing.

Whats the latest on I&M debit visa cards? (I know they offer currency specific debit cards at 1,000/- per 5 years)

Whats the latest on Nationhela? (I know very little on that, probably have an annual deductible fee of 600/- making it one of the most expensive)

Equity visa card from what I have heard seems to be the cheapest to maintain of them all though I don't know about it being the best.

Know of any other visa cards with better rates?


What about using the usual VISA ATM cards? Will it be any cheaper if you go for VISA debit card?

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bird_man
#3 Posted : Thursday, September 26, 2013 3:45:32 PM
Rank: Veteran

Joined: 11/2/2006
Posts: 1,206
Location: Nairobi
In terms of security...go for I&M,NationHela or a special shopping one from KCB. The good thing is that they are not attached to your bank account (in case a Naija bro gets your details).
When it comes to cost, I think normal VISA atm debit cards are cheaper.
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Gathige
#4 Posted : Thursday, September 26, 2013 4:09:16 PM
Rank: Elder

Joined: 3/29/2011
Posts: 2,242
@Drobos, i though "debit" implies you have the money in your account so the issues of cheapest does not apply as the fee varies from provider/bank etc based on their withdrwal charges?
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mawinder
#5 Posted : Thursday, September 26, 2013 4:57:10 PM
Rank: Elder

Joined: 4/30/2008
Posts: 6,029
Gathige wrote:
@Drobos, i though "debit" implies you have the money in your account so the issues of cheapest does not apply as the fee varies from provider/bank etc based on their withdrwal charges?

Barclays is the cheapest.
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webish
#6 Posted : Thursday, September 26, 2013 6:50:11 PM
Rank: Member

Joined: 10/19/2009
Posts: 671
Location: Nairobi
mawinder wrote:
Gathige wrote:
@Drobos, i though "debit" implies you have the money in your account so the issues of cheapest does not apply as the fee varies from provider/bank etc based on their withdrwal charges?

Barclays is the cheapest.


Rates?

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quadc
#7 Posted : Friday, September 27, 2013 9:29:31 PM
Rank: New-farer

Joined: 1/31/2013
Posts: 21
I have KCB and Nation Hela debit cards... The KCB card attracts 100/- Per month charge... I can't remember the nation hela card charges which I got later due to;
1. You can load money using M-pesa without having to go to a local branch & queue.
2. You can check your card transactions,balances, block & unblock card online.

for the KCB card, you have to load cash in a local branch & tellers normally have to get authorization from their supervisors for money to be transferred to the card. To get a card statement you have to send a request thru email to card centre staff.
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holycow
#8 Posted : Saturday, September 28, 2013 4:56:13 PM
Rank: Veteran

Joined: 11/11/2006
Posts: 972
Location: Home
quadc wrote:
I have KCB and Nation Hela debit cards... The KCB card attracts 100/- Per month charge... I can't remember the nation hela card charges which I got later due to;
1. You can load money using M-pesa without having to go to a local branch & queue.
2. You can check your card transactions,balances, block & unblock card online.

for the KCB card, you have to load cash in a local branch & tellers normally have to get authorization from their supervisors for money to be transferred to the card. To get a card statement you have to send a request thru email to card centre staff.



I got KCB card. Well, you can top up by mpesa, Paybill 522522. Account Number is the Visa debit card Number.

As for statement, you can get it online at https://estatements.kcbbankgroup.com but you have to call customers care to be enrolled for the online statement.

I have used the card to do purchases from eBay.
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quadc
#9 Posted : Monday, September 30, 2013 1:15:55 AM
Rank: New-farer

Joined: 1/31/2013
Posts: 21
holycow wrote:
quadc wrote:
I have KCB and Nation Hela debit cards... The KCB card attracts 100/- Per month charge... I can't remember the nation hela card charges which I got later due to;
1. You can load money using M-pesa without having to go to a local branch & queue.
2. You can check your card transactions,balances, block & unblock card online.

for the KCB card, you have to load cash in a local branch & tellers normally have to get authorization from their supervisors for money to be transferred to the card. To get a card statement you have to send a request thru email to card centre staff.



I got KCB card. Well, you can top up by mpesa, Paybill 522522. Account Number is the Visa debit card Number.

As for statement, you can get it online at https://estatements.kcbbankgroup.com but you have to call customers care to be enrolled for the online statement.

I have used the card to do purchases from eBay.


@holycow Thanks for the update, it seems competition made KCB apply value on their debit cards cause when the Nation Hela card launched, they weren't offering these services.

@Drobosfly, if you're after a card for online payments & money roaming then KCB is a good candidate cause it also appears like they did away with monthly charges as per their webpage.

Both services are ok I,ve never had issues ..I guess it's time to call nation hela & find out their charges as its not clear from their website
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  | | Edit by user: Monday, September 30, 2013 1:26 AM | Reason: Not specified
justus.korir
#10 Posted : Saturday, October 05, 2013 11:01:36 AM
Rank: Hello

Joined: 10/5/2013
Posts: 1
UBA Visa prepaid card is the cheapest currently in the market. Its a KES denominated and only goes for a minimum of KES 621.No monthly charges but you only charged KES 100 for every card loading you do up to a maximum of KES 1M.

The card can also be topped up as well using MPESA pay bill number 559900.

UBA card does not attract any monthly charges as other cards.
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