The initial cost is high, however the monthly fees are only due to inactivity. We like the ability to move the money between the wallets when the dollar is good and lock in the rate. You can load $1000 at a time, so we would likely only spend a little bit loading.... We are still deciding. Part of the trip is Disney and part is beach. We can do Disney gift cards for the Disney portion but the money is then locked to Disney and our spending at Disney will be food and incidentals as the rest is paid.