My use case has changed a bit. Now, I am looking for three cards (prepaid or credit):
- MasterCard USD and EUR (or better multi-currency USD & EUR)
- Visa USD
They can be virtual or plastic. Ideally, I could order all three at the same place.
The properties I need are the following:
- They should work with all merchants
- They must be available in Switzerland
- It must be possible to receive money onto them
- No special fees for receiving or paying
- Very high transaction limit > 20000 usd/month
Any suggestions?
Why do you expect no fees? You arent gonna get through this with at least 6-10% fees after POS/ATM transactions.
I don't understand what you mean. I am not intending to use POS/ATM at all. All I want is to be able to receive money onto the card (account) and to pay again with it. Should be pretty straight forward (apart from the fact that it is hard to find good EUR/USD cards in Switzerland).
POS = Point Of Sale (instore-purhshases)
ATM = Withdrawal money from ATM machine.
Exchangerate in your country is probably 2.5%+
Exchangerate at card providor is probably 3.25%+
Top that up with fees for deposits to your account / lower value of coins with 2-5%
You cannot get this for free, you need to be ready to pay alot fee's. This is what all these paymentsystem and providers makes their money on, to run their companies.