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Does anyone have any good recommendations or experience when using a pre loaded cash card in SA?

I am from the UK so would it be advisable to load the card with sterling or US dollars?

I understand the downside to using a card would be the exchange rate charges and possibly ATM fees. But for safety I would prefer a card than to carry lots of cash.

I have come across a Caxton card. Has anybody used one of these?

Hope someone can help.
Many thanks

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