@claire the KCB general purpose card is a debit card...it's not even tied to any "real" bank account per se. Signing up is 1k cash, one passport photo and your ID and it's ready in 5 working days. I've used it numerous times on all kinds of sites (paypal/g-checkout) without a problem...and you can use it at an ATM to withdraw the cash therein. Upon registration you are also linked to the *522# ussd app for mini statements and the like, and you get an SMS notification every time a debit is made whether online or via ATM.