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How to claim the money left on your travel card

Home from your holiday with cash left on your travel money card here's how to get it back..

In this guide

How to get the remaining funds off your travel money card

A comparison of prepaid travel money cards, some mistakes to avoid with leftover funds in your travel card.

Travel Money Cards

If you've still got foreign currency on your travel money card after a trip or your card's about to expire, it's still possible to get your money back. Use this guide to learn how to get funds back and what mistakes to avoid so you can get as much value as possible from your prepaid travel card.

Finder survey: What do Australians do with leftover funds on their travel card?

More than half of the Australians we surveyed simply transferred leftover money from their travel money card to their bank account.

The way you get your unused money varies depending on the travel money card. In some cases, it can be as easy as Internet banking, while in others it might require a trip down to the bank. Here's how it works with the major Australian prepaid travel cards.

Cash Passport Platinum Mastercard

If you have a Cash Passport Platinum Mastercard, you can get your funds off it by logging in to your account at auspost.com.au/cashpassport or by visiting a participating Australia Post outlet and presenting the card along with a valid form of photo ID. You can get funds even if the card has expired (check the expiry date on the front).

Just take note that the Cash Passport charges a monthly inactivity fee of $0 if you haven't used your card in 12 months. So if you want to cancel your card instead of keeping it for another trip, you can move the remaining balance to your bank account for a fee of $10 by calling Customer Service at +44 20 7166 7822.

The Travelex Travel Money Card

The card attracts a monthly inactivity fee of after 12 months of no usage, which can whittle away at your balance. It also charges a 2.95% withdrawal fee on domestic withdrawals within Australia. You can close your card at any distribution outlet and move remaining funds to your nominated bank account for an extra fee of .

If your card has expired, you can still get your funds through one of these options. Or, if you want to continue to use the account, you can request a new and have the money transferred over to it.

CommBank Travel Money Card

Valid for up to 3 years with no monthly inactivity fee, you can use the CommBank Travel Money Card on your next holiday or close it off and empty the remaining funds into your account at no charge. If you have an everyday CommBank account, you can transfer the money in real-time through NetBank. You can do this up to three months after the card has expired.

If you don't bank with CommBank, you can get your money off the travel card by visiting a branch. You can also withdraw the funds from any CommBank ATM free-of-charge after converting the foreign currency to Australian dollars.

With the , you can withdraw your remaining funds from a local ATM or close your account and have the funds transferred into your nominated account. Do note that withdrawals within Australia incur a 2.95% fee. A fee is also charged for account closures and cashing out any remaining value. You can do this by logging into the Suncorp Bank Multi-Cash Currency portal.

Qantas Travel Money

The Qantas Travel Money card doesn't incur an inactivity fee or ATM withdrawal fees, but a foreign exchange rate will apply when withdrawal is made in Australia on funds that are not in Australian dollars. You can close your card at any time at no cost by calling Mastercard Qantas Cash Global Support on 1300 825 302.

Australia Post

If you have funds remaining on your , you can either exchange the money back into your Australian dollars currency wallet and withdraw the funds from an ATM or fill out the Load&Go balance redemption form to have the funds sent to you via an Australia Post Money Order. It doesn't cost anything to close the account, but you will be charged $1 every month a balance remains in your account following expiry.

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If you have money left over on your travel card, be sure to take note of and avoid the following possible pitfalls:

• Leaving your card open. If you're not travelling anytime soon, you might want to close the card once you've withdrawn your funds. Otherwise, you may still have to pay any inactivity fees or annual maintenance fees attached to the card.
• Expired cards. Most providers send a goodwill email to remind you of an impending expiry date. You can then request for closure, but failure to do so will unfortunately result in "Unclaimed Monies".
• Unclaimed monies. While banks previously forfeited your money once your card expired, unclaimed monies legislation now dictates that balances above $500 (which are left untouched after three years or unclaimed after card expiry) must be transferred to the Commonwealth Bank and held in trust. You can run a free search of all unclaimed monies through the MoneySmart website. Amounts below $500 are essentially forfeited if you don't close your account and claim them.
• Spending foreign currencies in Australia. Some banks charge domestic ATM withdrawal fees on your travel card, so be very careful reading the fine print. Since all fees are debited in Australian dollars, if you only have foreign currency on your card, that will incur more foreign currency conversion fees.

It is important to know the rules and conditions around your travel card. Depending on the fees and exclusions set by your provider, it may be wiser to withdraw remaining funds and close the account instead of keeping it for your next vacation. It is also worthwhile to factor in things like the card's loading and reloading fees as well as foreign currency trends when comparing your options.

Sally McMullen

Sally McMullen was a creative content producer at Finder. Sally wrote about credit cards for almost 5 years, authoring almost 900 articles on Finder alone. She has also been published in Yahoo Finance, Dynamic Business, Financy and Mamamia, as well as Music Feeds and Rolling Stone. Sally has a Bachelor of Communication and Media Studies majoring in Journalism (Hons) from the University of Wollongong.

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Spend in up to 13 major currencies, lock in exchange rates and manage your account with the CommBank app when you use the Commonwealth Bank Travel Money Card.

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what about Post Office purchased travel Vis card?

Hi Heather,

Thanks for your question!

I’ve added some information regarding the Australia Post Load&Go card to this page.

If you have money left on your Australia Post Load&Go card when you return from your holiday, you can either exchange the money back into your Australian dollars currency wallet and withdraw the funds from an ATM or fill out the Load&Go balance redemption form to have the funds sent to you via an Australia Post Money Order.

Please note that while you won’t be charged for closing the account, you will be charged $1 every month a balance remains in your account following expiry.

I hope this has helped.

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Commonwealth Travel Card Review – [2023]

The Commonwealth Travel Money Card is a prepaid Visa debit card you can top up in 13 different currencies, for global spending and ATM withdrawals. That can be handy for managing your budget when you’re overseas, as you can lock in exchange rates in advance so you know exactly what you have to spend.

This guide covers the Commonwealth travel card in detail, including how the card works and the fees that you’ll pay to use it. We’ll also touch on a couple of Commonwealth travel card alternatives from Wise and Revolut , which support more currencies and may come with lower fees.

Commonwealth travel card: key features

The Commonwealth Travel Money Card has a good selection of supported currencies, and is globally accepted wherever you see the Visa logo. However, there are currency conversion fees to pay when you use the card to spend unsupported currencies, or when you don’t have enough balance to cover the cost of your purchase in a particular currency. Plus, you’ll pay an ATM fee at home and abroad.

This guide walks through the Commonwealth Travel Money Card in detail – to kick off, here’s a quick look at the key pros and cons of using the card on your travels.

Travel money cards can be handy when you’re away. They let you convert funds to the currency you need in advance, so you know your budget before you leave – plus, they’re not linked to your normal bank account which can increase security and offer peace of mind when you travel. However, the features and fees you find in travel money cards from different banks and providers can vary pretty widely. Shopping around is essential to make sure you get the best deal for your specific needs – this guide should tell you all you’ll need to know to help you pick.

Who is the Commonwealth travel card for?

The Commonwealth travel card supports 13 currencies including those used in popular holiday destinations like Thailand, Japan, Vietnam and New Zealand, plus major global currencies like US dollars, euros and British pounds. That can mean it’s a handy card to have for people travelling for business or pleasure, or for anyone shopping online with overseas retailers.

What is the Commonwealth travel card?

The Commonwealth Travel Money Card is a Visa debit card you can load in advance in AUD or any of the other supported currencies, for international spending and withdrawals. You can use your Commonwealth travel card when you travel, and also for online shopping in foreign currencies.

Is the Commonwealth Travel Money Card a multi-currency card?

Yes. You can add AUD to your Commonwealth card, and convert to any of the following supported foreign currencies:

• United States dollars (USD)
• Euros (EUR)
• Great British pounds (GBP)
• Japanese yen (JPY)
• New Zealand dollars (NZD)
• Hong Kong dollars (HKD)
• Canadian dollars (CAD)
• Singapore dollars (SGD)
• Thai baht (THB)
• Vietnamese dong (VND)
• Chinese renminbi (CNY)
• Emirati dirham (AED)

There is a fee – in the form of an exchange rate markup – added when you switch to the currency you need from AUD. However, it’s then usually free to spend the currencies you hold in your account.

If you’re looking for different currencies – or you’re planning on travelling more widely – you can also consider a travel card from a specialist service like Wise or Revolut. Wise supports 50+ currencies, while Revolut covers 25+ – more on that, including some other important features of Wise and Revolut, next.

Alternatives to Commonwealth travel card

The Commonwealth travel card has some handy features, but there are also some fees you’ll need to think about before you order one. One important cost is rolled into the price of switching from one currency to another. There’s a markup added to the exchange rate used when you initially switch from AUD to the currency you need, and if you use your card to spend an unsupported currency, or if you run low on the currency you need while you’re away, extra fees of 3% kick in too.

To weigh up whether the Commonwealth card is best for you, take a look at our comparison against alternative providers Wise and Revolut:

Information taken from CommBank Travel Money Card desktop site and Fees , Wise pricing page , Revolut international transfer fees and Revolut Australia ; correct at time of writing, 24th May 2023

As you can see, Wise and Revolut both support a broader selection of currencies compared to the Commbank card, which can be helpful if you’re travelling more widely. Plus, you may find you get lower overall currency conversion costs with a specialist service. Revolut has some fee free currency conversion which uses the mid-market rate for all account holders – even if you’re using a standard account plan with no monthly fees. And Wise has mid-market rates for all currency exchange, with low fees based on the currencies you need, starting at 0.41%.

There’s a quick introduction to Wise and Revolut next, to help you decide if either may suit your needs.

Read a full Wise review here

Wise accounts can hold and exchange 50+ currencies, and come with an optional linked Wise card to spend with the mid-market rate and low fees from 0.41%, in 170+ countries. You can apply, and manage your account, from your smartphone, and get extra perks like fast payments to 70+ countries, and local bank details for 9 currencies, to get paid easily from 30+ countries.

Get a Wise travel card

Revolut accounts come with linked debit cards, and can hold 25+ currencies. You can either get a standard plan which has no monthly fees, or pay a monthly charge to access extra features and perks. Revolut currency exchange uses the mid-market exchange rate to plan limits, with fair usage fees after that. Out of hours fees may also apply if you switch currencies when the global markets are shut.

Go to Revolut

Commonwealth travel card fees & spending limits

Let’s take a look at the fees and limits that apply to the Commbank travel card. First, here are some important limits to know in advance:

And what about the charges involved with using a Commonwealth Bank Travel Money Card? Here’s a rundown of the key costs:

Information correct at time of writing – 24th May 2023

Exchange rates

When you top up your card in AUD and convert to a foreign currency for overseas spending, the Commbank retail exchange rate applies. This rate can be found online, but it’s handy to know it won’t be the same as the mid-market rate you find using a Google search or currency conversion tool, as it includes a margin – which is a fee. The margin used by Commonwealth Bank can vary depending on the currencies in question, so you’ll need to take a look on their website to see the rate for your currency pair, and then compare it back to the rate you get from a conversion tool, to spot the margin that’s been added.

If you’re spending a currency you don’t hold in your account, the exchange rate applied is set by Visa, and there’s then an extra 3% fee to pay. That doesn’t sound like a lot, but it can mount up quickly if you’re travelling for a while.

As an alternative, you might want to check out prepaid international debit cards which offer the mid-market exchange rate – like those from Wise and Revolut.

How to get Commonwealth travel card

You can order a Commonwealth Travel Money Card if you fulfil the eligibility criteria:

• You must be at least 14 years old
• You must be a Commonwealth Bank customer, registered to use NetBank
• You’ll need an Australian residential address

Assuming you fit these criteria you can order in a Commonwealth Bank branch, or online. Once you have your card in your hands, you then need to activate it in NetBank or the Commbank app. You can also set a PIN for security.

What documents you’ll need

To open a Commonwealth Travel Money Card account you’ll need to be registered with NetBank. That means you’ll also need a valid Commbank account and card to get started. If you already have a Commonwealth Bank account you can open your travel card account with no new documents – just log into NetBank or visit a branch to get started.

If you don’t have a Commbank account yet, the process is a bit more involved as you’ll have to first select and open a bank account. This normally means you also need to provide proof of ID and address, which you can upload online or show in a branch.

What happens when the card expires?

The Commonwealth Travel money Card is valid for 4 years. Once it expires it’s not automatically replaced with a new card. You’ll need to request a new card in NetBank. If you don’t do this within 3 months of the card expiry date, you’ll lose access to your account – so make sure you open a new card in time, or remove any remaining funds from the account to avoid extra hassle.

How to use a Commonwealth travel card?

The Commonwealth travel card is a Visa debit card you can use online and in person for spending and withdrawals. You can also send money from the card account to other Commbank cards and accounts, although fees may apply for this service if you’re switching currencies as part of the transfer.

How to withdraw cash with a Commonwealth travel card?

Once you have funds on your Commbank card you can make withdrawals around the world, just as you would with your regular debit card. There’s a Commonwealth ATM limit of 2,500 AUD per day – although most ATMs have their own limits which are likely to be lower than this. You’ll also pay a fee of 3.5 AUD or the currency equivalent when you make a cash withdrawal, plus any applicable currency conversion fee if you’re withdrawing in a currency you don’t hold in your account.

Is the card safe?

Yes. Commonwealth Bank is a trusted and regulated bank, making it a safe provider to use. Plus, using a prepaid travel card when you’re abroad can be safer than using your normal card. As it’s not linked to your main day to day account, even if you’re unlucky enough to have your travel card stolen, thieves don’t have access to your primary account balance.

How to use the Commonwealth travel card overseas?

The Commbank travel card is issued on the Visa network, which means you can use it in millions of ATMs and with merchants worldwide. If you’ve got a balance in the currency you need, there’s no extra fee for paying at a merchant abroad. However, it’s useful to know that a 3% fee applies if you spend in a currency you don’t hold in your account, or if the balance you have in that currency isn’t enough to cover the purchase. This can push up costs significantly, so it’s worth keeping an eye on your balance in the Commbank app, so you don’t run low without realising.

Conclusion: is the Commonwealth travel card worth it?

The Commonwealth Travel Money Card is a helpful card for travel to any of the countries and regions covered by the 13 supported currencies. Using a prepaid card can help you set your travel budget in advance as you’ve locked in exchange rates before you leave. However, the Commbank card isn’t free to use. There’s a fee to switch currencies – either a 3% conversion cost for direct spending, or a margin added to the exchange rate when you convert within your account. Plus, there’s a 3.5 AUD fee for ATM withdrawals overseas.

Compare the costs and flexibility of the Commbank travel card against alternatives like the international debit cards from Wise and Revolut. Both offer a broader selection of currencies, and use the mid-market exchange rate to switch over your funds from AUD to the currency you need. This can cut the costs overall, and it’s more transparent as you can easily see all the fees involved in currency exchange.

Commonwealth travel card review FAQ

How does the Commonwealth travel card work?

The Commonwealth Travel Money Card is a prepaid international Visa card you can use for spending and withdrawals around the world. You’ll need to add money in AUD and can then convert to any of the 13 supported currencies within NetBank.

Is the Commonwealth travel card an international card?

Yes. The Commonwealth Travel Money Card can hold 13 different currencies, and as it’s issued on the Visa network you can use it more or less anywhere in the world. There’s a 3% fee to spend currencies you don’t hold in your account though – so if your currency isn’t supported by the Commbank card you might be better off with an alternative like the multi-currency cards from Wise and Revolut.

Are there any alternatives to the Commonwealth travel card?

Commonwealth Travel Money Card alternatives are available from banks and specialist digital providers. Compare the options from Wise and revolut as an example – both offer dozens of supported currencies, with low, transparent fees and great global acceptance.

Commonwealth Bank Travel Money Card

AUD, USD, NZD, EUR, GBP, SGD, HKD, JPY, CAD, THB, AED, VND, CNY, RMB

Mozo editorial review Commonwealth Bank Travel Money Card - last updated: 20 May 2022

• Load up to 13 currencies on the one card
• No monthly inactivity fee
• 5.35% cross currency conversion

Mozo snapshot

The Commonwealth Bank Travel Money Card is a handy prepaid travel card if you are visiting multiple countries on your holiday as it allows you to load up to as many as 13 currencies. You can also transfer funds between the currencies for free while travelling and monitor your balance online or over the phone 24/7.

Key features

The Commonwealth Bank Travel Money Card is accepted wherever Visa is and can be used internationally at shops, restaurants, at overseas ATMs and for online purchases.

The card has no purchase fee, whether you order it online or in a branch and it is one of the few prepaid travel cards on the market that does not have an inactivity fee so you can keep the card until your next trip if you have money left on the card (but make sure you check the cards expiry date as they do expire at some point.)

You can store up to 13 currencies at any one time, the most of any prepaid card on the market. This is one of the only prepaid travel cards to preload Vietnamese Dong, Chinese Reminbi and it is one of the few to also have Thai Baht as an option. The smart card feature means that it will always use the currency of the country in which the transaction is made first, as long as that currency is loaded on the card.

The Travel Money Card does have a 3.00% cross currency conversion charge if you make a purchase in a currency other than the one on your card so make sure you have the right currency loaded before you spend.  

There's also a flat AUD $3.50 cash withdrawal fee for ATM withdrawals and over the counter withdrawals made outside of Australia. The fee is charged in the currency you're making the withdrawal with though, so if that's not AUD, the Visa exchange rate (at that time) will be used to calculate whatever that foreign currency equivalent of $3.50 AUD is. 

Who is it good for

Prepaid travel cards are great for the budget conscious traveller as they allow you to set a travel budget and stick to it without the temptation of going into debt over that 'must do' romantic sunset cruise with 50 other tourists.

You don't have to be a Commonwealth Bank account holder to get a Travel Money Card, which makes this a good prepaid card choice for anyone who is visiting more than one country on their trip.

If you want to use your travel card solely for online international shopping you can load the travel card up in several currencies and then go on a global shopping spree knowing exactly what exchange rate to use when comparing costs.

Any catches

Make sure you've loaded the correct currencies onto your card before you start spending, because if you spend in a currency you don't have loaded, you'll be stung by the 3.00% cross currency conversion fee.

Atm withdrawal fee

Minimum load, upper limit, monthly inactivity fee, customer reviews.

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Mastercard Prepaid Management Services Australia Pty Ltd (ABN 47 145 452 044, AFSL 386837) arranges for the issue of the Australia Post Travel Platinum Mastercard® (“Travel Mastercard") in conjunction with the issuer, EML Payment Solutions Limited ('EML') ABN 30 131 436 532 , AFSL 404131 . Australian Postal Corporation (ABN 28 864 970 579, AR No. 338646), the card distributor, acts as an Authorised Representative of Australia Post Services Pty Ltd (ABN 67 002 599 340, AFSL 457551). You should consider the Travel Mastercard Product Disclosure Statement and Financial Services Guide before deciding to acquire the product. The Target Market Determination for this product can be found here auspost.com.au/travelcard . Any advice does not take into account your personal needs, financial circumstances or objectives and you should consider if it is appropriate for you. Mastercard and the circles design are registered trademarks of Mastercard International Incorporated.

^Pay no foreign transaction fees on purchases when travelling, when you load your Australia Post Travel Platinum Mastercard with USD or EUR currencies supported by the product, and transact in that same currency. 

Before you make a decision to acquire the card, please check auspost.com.au for the latest currencies supported. Lock in your rates means the exchange rate is locked in for the initial load only. The exchange rates for subsequent reloads will be set at the prevailing exchange rate at the time of the transaction. Mastercard Prepaid Management Services Australia Pty Ltd (ABN 47 145 452 044, AFSL 386837) arranges for the issue of the Australia Post Travel Platinum Mastercard in conjunction with the issuer, EML Payment Solutions Limited ('EML') ABN 30 131 436 532 , AFSL 404131. Australian Postal Corporation (ABN 28 864 970 579, AR No. 338646), the card distributor, acts as an Authorised Representative of Australia Post Services Pty Ltd (ABN 67 002 599 340, AFSL 457551). You should consider the Australia Post Travel Platinum Mastercard Product Disclosure Statement and Financial Services Guide before deciding to acquire the product. These can be found together with the Target Market Determination for this product at auspost.com.au . Any advice does not take into account your personal needs, financial circumstances or objectives and you should consider if it is appropriate for you. Terms, conditions and fees apply. Mastercard and the circles design are registered trademarks of Mastercard International Incorporated.

Mastercard Prepaid Management Services Australia Pty Ltd (ABN 47 145 452 044, AFSL 386837) arranges for the issue of the   Australia Post Travel Platinum Mastercard   in conjunction with the issuer, EML Payment Solutions Limited ('EML') ABN 30 131 436 532 , AFSL 404131. Australian Postal Corporation (ABN 28 864 970 579, AR No. 338646), the card distributor, acts as an Authorised Representative of Australia Post Services Pty Ltd (ABN 67 002 599 340, AFSL 457551). You should consider the   Australia Post Travel Platinum Mastercard   Product Disclosure Statement   and   Financial Services Guide   before deciding to acquire the product. The Target Market Determination for this product can be found   here.  

Any advice does not take into account your personal needs, financial circumstances or objectives and you should consider if it is appropriate for you. Terms, conditions and fees apply. Mastercard and the circles design are registered trademarks of Mastercard International Incorporated.

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16 April 2024

Commonwealth Bank grows Indigenous Business Banking team

Commonwealth Bank continues to expand its Indigenous Business Banking team with the appointment of an Executive Manager, Indigenous Business Products.

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Mitchell Heritage portrait

Commonwealth Bank (CBA) has appointed proud Kuku-Yalanji, Goorimpul and Torres Strait Islander man Mitchell Heritage as newly appointed Executive Manager, Indigenous Business Products.

Mr Heritage, who grew up on Meanjin Country in Queensland, joins CBA’s growing Indigenous Business Banking team and CBA’s IGNITE community of more than 120 culturally trained business banking specialists who are focused on delivering exceptional banking experiences for Indigenous business customers.

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Mr Heritage brings more than 15 years’ experience, most recently as a Senior Product Owner in CBA’s Home Buying business. He has experience in both investment and retail banking and hopes that his customer-focused delivery will accelerate the vital work happening within Indigenous Business Banking.

CBA Executive General Manager Business Banking Rebecca Warren said Mr Heritage would be instrumental in delivering CBA’s Indigenous Business Banking Growth Strategy and business banking commitments under CBA’s Reconciliation Action Plan.

“Mr Heritage joins a team of dedicated business banking specialists who are committed to building strong relationships with Indigenous businesses and communities to build the best products and services to meet our Indigenous business customers’ needs,” Ms Warren said.

“We’re excited to expand the Indigenous Business Banking team to continuously improve CBA’s product offering and processes to optimise our overall experiences for Indigenous customers.

“I am really proud of our Indigenous Business Banking offering, including our Indigenous Business Line and Concierge  to streamline access to a range of financial solutions to assist Indigenous businesses to accelerate growth. In addition, our collaboration with Supply Nation to deliver our Indigenous Business Education Series allows us to give back to the Indigenous business sector.

“Mitchell’s experience in home buying enables Indigenous Business Banking to really amplify and expand our offering and support Indigenous businesses seeking home ownership opportunities. We are absolutely committed to building a holistic offering that is targeted to enable business growth and generational wealth.

“Mitchell has a deep passion for our Indigenous communities, businesses and employees and that is demonstrated by the leadership, energy and commitment he brings to work every day,” Ms Warren said.

Mr Heritage has been committed to driving better outcomes for First Nations businesses and communities since he first joined CBA as a School Based Trainee at 14 years old.

“Working at CBA has enabled me to build my skillset to a point where I can really make a difference, I am particularly keen to support home ownership opportunities for Indigenous businesses,” Mr Heritage said.

“This role is the perfect opportunity for me to bring these things together and allows me to continue to support First Nations people. Indigenous Business Banking is an incredibly important space for CBA and our communities and I’m extremely excited to be a part of the work we are doing.”

To contact CBA’s Indigenous Business Line and Concierge please call: 1300 096 394

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