Abstract: A system or method of operating a user held multicurrency card in a transaction with a seller operating in a first currency (first currency?); the system or method comprising: a card capable of being read by a reader; an e-wallet associated with the card and holding data relating to the card, a plurality of amounts of a plurality of currencies stored on e-wallet; a back-end system for receiving card data from the reader and a payment amount required by the seller via a network and for interfacing with the e-wallet to enable authorization of any payments; wherein in use the back-end system receives the data from the reader for a transaction and determines if the e-wallet has sufficient money in the first currency to settle the transaction and if so authorizes settlement of the payment amount.