A financial system and method for a stored value e-card financial management system using a worldwide financial network to deposit funds into an e-card account in one country and withdraw funds from a networked automated teller machine in another country. A dual-card package containing two e-cards and a personal identification number is purchased at a point-of-sale location, and then activated by depositing funds into the e-card system. A first load-card is used for activating and reloading the e-card system, and a second debit-card provides withdrawal capabilities when the account balance is sufficient to fund the request and any associated fees.