Machan go for SAYLAN card. I was sick with Sampath, HNB and Commercial cards. but last month I had to open up an Account in Saylan because of a relative of mine. Got the card same day. you can use it to verify PAYPAL, SKRILL and any other online payent processor. you don't need to call the bank time by time. you can send even $1, the will give you the currant Dollar rate.