MoniCard | Borderless Multi-Currency Cards & Payments

Deposit options into your MoniCard wallet via Mobile Money, Voucher, or Bank Transfer.

Issuance, maintenance, and top-up costs for virtual cards.

Action / Feature	Fee	Details
Card Creation Fee	2,000 XAF	One-time fee
Monthly Maintenance	Free	No monthly charges
Load Card	1% FX markup	Displayed before confirmation
Freeze / Unfreeze	Free	Unlimited freezes

Note: ATM withdrawals are not supported with virtual cards.

Direct airtime purchases for local networks.

Feature	Value / Rate	Details
MTN / Orange Airtime	0% fee	Face value only
Minimum Amount	500 XAF	Per transaction
Maximum Per Day	50,000 XAF	Limits increase with KYC verification

Purchase digital gift cards for top international storefronts.

Feature	Cost / Policy	Details
Purchase Fee	3%	Of gift card value
Delivery	Instant	In-app + email
Refunds	Conditional	Supported only if card invalid/unusable

Service rates for flight reservations.

Feature	Fee / Rate	Details
Booking Fee	5% service fee	Included in fare summary
Refunds	Airline Policy	MoniCard service fees non-refundable

Service charges for hotel bookings worldwide.

Feature	Fee / Rate	Details
Booking Fee	5% service fee	Included in total
Refunds & Cancellations	Hotel Policy	Based on hotel provider policy

Account setup, maintenance, and support fees.

Service	Fee	Details
Inactivity Fee	None	No penalty for inactive accounts
Account Closure	Free	Close your account anytime
Dispute Handling	Free	Zero charge for transaction disputes

Daily limits based on your account verification level.

Upgrade to KYC for Higher Limits Enjoy full access to high daily spend limits with simple identity verification.

Fees & Limits