Ikobo seems workable. you sign up, pay an initial card issue fee and courier fee and they courier a debit card to the recipient. Once the first big charge of the card issue and the registered, signature required courier fee is out of the way, subsequent uses you just log into the Ikobo website and using your home bank issued credit card or debit card, upload funds to your Ikobo account where the person with the Ikobo debit card (A bog standard Visa Debit) can then withdraw the funds the same as any other Visa Debit card holder using a card issued by any other bank.