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The best prepaid travel cards (travel money cards) in 2024

Article contents

In a nutshell

• Best prepaid travel money cards
• Best direct debit travel card
• Our criteria for the best prepaid travel money cards
• What's the best prepaid travel card for Europe?

What is a prepaid travel card?

Store multiple currencies, the best prepaid travel card in the uk.

• Pros and cons of prepaid travel cards

What’s the alternatives to multi-currency prepaid cards?

What is the mid-market rate (the real exchange rate), what’s the mastercard rate, prepaid travel card fees, how to get a prepaid travel card.

• Are prepaid travel cards safe?

Let’s recap

The best prepaid travel cards are Revolut and Wise. Although not a prepaid card, one of the best cards to use abroad is Currensea (it links to your bank account). They’re all super popular, with low fees, and are easy to sign up and use.

Heading off on an adventure or holiday abroad? Or perhaps a work trip? Making the right decision on travel money can save you a small fortune – and a prepaid travel money card is likely your best option. So without further ado, here’s the best:

The best travel money card

The best travel card overall.

Best travel card

Currensea tops the list – it's super simple to use, just connect it to your bank account and it’s low cost too. You'll also get a £5 welcome bonus.

£5 welcome bonus

With Currensea, you can get a travel card that connects directly to your bank account – it acts just the same as your bank card, and transactions come directly out of your bank account.

The only difference, is you won't have to pay hefty bank fees, saving anywhere from 85% to 100% of the cost.

It's a great alternative to a prepaid travel card if you want something a bit simpler.

Best prepaid travel money card

The best prepaid card you top-up beforehand, all ready to spend.

Wise is one of the best travel cards out there. It's super popular, with over 16 million customers around the world.

It's got some of the lowest fees you'll find, and it's available in over 40 currencies and 150+ countries.

The card is contactless, and there's a great phone app (and website) to manage everything too.

Our criteria for the best prepaid travel cards

To compare and determine the best travel money cards, we looked at:

Exchange rate

• Withdrawal fees from an ATM

Card delivery fee

• Number of currencies available
• Ease of use (manage online via a website or phone app)

There’s lots of options for converting (changing) your money, or spending abroad, such as changing cash in-person at a bureau de change (not recommended), using an ATM, or a credit card or debit card abroad – but a prepaid travel card is often one of the easiest and cheapest options – and you can reuse them for all your holidays in the future, or even on the same trip to different countries, spending different currencies. 

We’re big fans of prepaid travel cards here at Nuts About Money, and are only recommending the best – they’re ones we recommend to our friends and family (and readers of course), and use ourselves when we’re able to get away.

So, whichever travel card (from our recommendations) you opt for, you can be confident they’re safe to use, trustworthy, and you’ll be using one of the cheapest options available.

What’s the best prepaid travel card for Europe?

If you’re heading off to Europe for a bit of getaway, you’ve got loads of options when it comes to a prepaid travel card – just make sure you don’t use your current bank account and debit card – you’ll be charged hefty fees (we’ll cover all of this below).

Anyway, the best travel card for Europe is Currensea ¹ – it’s easy to use, just link it to your existing bank account and you’re good to go. It’s very low cost too (and no set up fees).

A prepaid travel card is similar to a bank card (debit card) that you might use for all of your spending in the UK, except instead of your money coming directly out of your bank account, you’ll top it up with money beforehand (or during your trip) – meaning you’ll simply send Pounds (GBP) from your bank account directly to the card (account). 

Note: you can send it back if you don’t spend it all.

Once the card has been 'topped-up', you can spend it abroad and withdraw cash from an ATM (cash machine), (e.g. Euros if you’re heading to Europe), meaning that you can save a lot of money in hidden fees and bad exchange rates – and these fees can really add up.

Why? Typically using your high street bank card abroad will mean a fee every time you want to use it, and your money will need to be converted into the local currency every time you use it too – at a very bad exchange rate that the bank sets (which often includes a hidden fee).

The prepaid travel cards we've listed above give you the freedom to spend like a local, and not worry about the cost. They’re pretty great.

With prepaid travel cards, you can actually store a range of different currencies in your account, it doesn’t have to be just one. And for this reason they’re often also called a multi-currency card, or a foreign currency card.

With Wise ¹, there’s actually over 40 different currencies you can store, and of course, spend. 

And normally, if you don’t have the particular currency you want to spend, the card will automatically convert another currency in your account to the currency you need when you spend. Pretty cool.

The best prepaid currency cards we’ve listed above are some of the best wherever you are in the world, for changing one currency to another, and spending in a different country (there’s a huge range of currencies with Wise ¹). And all great if you’re from the UK travelling abroad.

You can sign up online and use both Revolut ¹ and Wise ¹ if you’re in the UK, and are travelling to pretty much any other country in the world.

Pros and cons of prepaid travel money cards

Let’s run through the pros and cons of using a prepaid card:

• Cheap way of spending abroad (pay in the local currency)
• Easy way to spend (make contactless payments abroad)
• Store multiple currencies on one card
• Often free to withdraw cash from an ATM (up to a limit)
• Safe way of spending money abroad (don’t need loads of cash)
• Protection from fraud (sometimes able to refund a transaction, called a chargeback)
• Easily block your card if it’s lost or stolen (and get a replacement card)
• Great for setting a spending budget (no overdraft)
• Can be low withdrawal limits from an ATM (before fees)
• Might not be able to use it to hire a car or a hotel (or any pre-authorised transactions)
• Can’t spend more than you top up (no overdraft like a bank)

A prepaid currency card isn’t your only option, but it’s definitely one of the cheapest (especially with one of the top prepaid travel money card providers). You could also change cash before you go (very expensive), or use a credit card or debit card designed for foreign currency spending (don’t just use any credit or debit card, they can be expensive!).

But with those, you’ll need to do a full application with credit checks, and open a whole new bank account for a debit card. There’s not really much benefit vs a prepaid card (unless you’re travelling a lot, or in the market for a new bank).

Nuts About Money tip: if you don’t want to use a prepaid card, check out Currensea ¹, they’re a travel card that connects directly to your bank account – so whatever you spend comes directly out of your bank. It’s a pretty cool idea and much cheaper than your bank, as you’ll get cheaper currency conversion rates and no transaction fees.

Although you’ve likely heard of an exchange rate, which is how much you get in another currency when you swap (exchange) your Pounds for them (e.g. Pounds for Euros) – depending on where you exchange your money, this rate can vary wildly.

Typically banks and other foreign exchange places tend to set their own exchange rate, which is much worse than the real exchange rate… (it’s how you can often see commission-free advertised, but it’s not really, there’s a hidden fee in the exchange rate).

The real exchange rate (used worldwide) is called the mid-market rate, and this is the rate that banks themselves use to swap money (also called the interbank exchange rate), without any hidden fees involved. It is the rate the ‘market’ sets – where buyers and sellers come together.

Technically the mid-market rate is the middle of the buy and sell prices of two currencies (e.g. Pounds to Euros), and so it effectively represents the current exchange rate.

So, if a travel money company isn’t using the mid-market rate (they might say interbank rate), you’re not getting the ‘real’ exchange rate, and you’ll be paying a fee.

European Central Bank (ECB) rate

In Europe, the European Central Bank (an organisation that is intended to look after the finances of all the countries in Europe that use the Euro, similar to the Bank of England in the UK), set an exchange rate too, called the European Central Bank rate. 

You could think of this as another official rate, just for Euros, although you’ll never actually be able to get this rate – but the closer to it, the more money you’ll save.

There’s also something called the Mastercard rate, which as you’ve probably guessed, is the rate the company Mastercard sets – they’re a very big company who provides cards for banks and other financial companies for their customers to use (e.g. a bank debit card). Another similar company is Visa.

And similar to the mid-market rate, they set an exchange rate which is set on their cards for foreign exchange. 

They take a small fee within this rate, so it will always be slightly higher than the mid-market rate. And, companies using Mastercard services (e.g. to give their customers cards), can choose to either add their own fee on, or add no fees and pass on the exact exchange rate.

So, if you see a bank saying you’ll get the Mastercard rate, that means they haven’t added any extra fees and are passing the lowest rate possible they can get (with Mastercard) onto you. 

This rate will be one of the cheapest you'll be able to get. Just make sure they haven't added any commission on top.

The topic we’re all here for, how much do you actually pay with prepaid travel cards? We’ve covered the exchange rates above, and typically this is the main fee you’ll pay (if there is a fee hidden in the exchange rate).

However, there are some other fees to be aware of, depending on which card you choose, let’s run through all the foreign exchange fees:

Note: you don’t typically get charged a fee to spend money (often called foreign transaction fees) with prepaid cards, these are more common on credit cards and and with banks.

As mentioned above, there’s always a fee within the exchange rate, whether it’s hidden or not. Normally, you’ll see this as the mid-market rate, interbank rate or mastercard rate plus a certain amount on top (e.g. the mid-market rate plus 1%).

ATM withdrawal fees

Some card providers will let you withdraw cash for free from an ATM (cash machine), some have a limit on how much you can withdraw for free per month (or a maximum number of transactions before there’s a fee), and others have no limit but will charge for every withdrawal.

This can range from a fixed fee per withdrawal (e.g. £1), to a percentage of the amount you take out (e.g. 2%), or a combination of both.

Producing a card can involve a lot of admin and of course actually producing and printing the card and delivery, so a travel money card provider will often pass this fee onto you – so they can cover their costs if you don’t end up using the card.

This is normally around £5-10, although with some companies it can be free, but there’s normally conditions such as topping up your card beforehand.

Note: if you lose your card, you’ll often have to pay a card replacement fee too. This is typical with all cards, even our recommended options.

Inactivity fee

With some cards, there can also be an inactivity fee, which is a fee for not using the card after a certain period of time. This is normally after 12 months, and a fee per month of around £2 per month.

Note: the best cards we recommend above ( Revolut ¹ and Wise ¹) don't have this fee. You can leave them for as long as you like (until your next holiday).

The great news is it’s super easy to get a prepaid travel card – it’s not like applying for a bank account or a credit card, you can get set up within a few minutes and the card can arrive the next day.

All you’ll need to do is first decide which travel card you’d like (we recommend Revolut ¹ or Wise ¹ as they’re the cheapest, and have easy to use apps for managing your money), and then fill out a few details on their website (or app), prove you are who you say you are with your passport or driving licence, and that’s it.

You’ll need to transfer some money (also called ‘load money’) over from your bank account, or deposit via a debit card, and that’s it. You can start spending online straight away (you can also add your card to Apple Pay or Google Pay) – or wait until your card arrives in the post to start spending on that.

It literally couldn’t be easier.

Are prepaid travel money cards safe?

Yep, it’s perfectly safe to use a prepaid travel card.

The company giving you the card will need to be authorised by the Financial Conduct Authority (FCA), who are the people making sure financial companies are looking after you and your money.

Your money will also be held in a bank account with a very large bank (e.g. Barclays), completely separate from the company’s own money. So, if anything happened to the company such as going out of business, your money could only be returned to you.

Using a card is also much safer than taking out cash when abroad, and keeping cash in your hotel room (or your sock). There’s lots of safety features such as being able to freeze your card (so it temporarily can't be used) and protection from fraudulent transactions if your card was lost or stolen – which you can often do immediately within an app on your phone.

That’s all there is to it. Pretty simple right? You can get a prepaid travel card in just a few minutes, and the card can turn up the next day – you’ll benefit from saving a small fortune on your spending money abroad. Plus, it’s much safer than travelling with cash.

You can also use your card in a huge range of shops, bars and restaurants, just as you would in the UK (with contactless), and withdrawing cash from an ATM can be easy too.

We recommend using one of the best travel cards above, such as Revolut ¹ or Wise ¹, they’re super popular, trustworthy, are easy to use and have great mobile apps to manage everything, not to mention they’re the cheapest out there (by quite a bit!).

And there you go, that’s your travel money sorted, all that’s left is to enjoy the holiday!

This article was written by the team at Nuts About Money, and fact-checked by 2 independent reviewers. You’re in safe hands.

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A Guide to Travel Money Cards

Often deemed the cheapest way to spend money abroad , travel money cards are deemed a failsafe option for many travellers. Given the rapid growth of the financial services sector, we want to find out if travel money cards are still as cutting edge as they once were, by comparing them to the new alternatives. Our job is to identify the best international money transfer services and payment providers in the industry: will travel money cards make the cut?

What are travel money cards?

Travel money cards are a popular payment method for individuals headed abroad. Customers will load funds onto the card, using the money as foreign currency when overseas, much like a debit card is used at home. Also known as travel money prepaid cards or currency cards, they facilitate free foreign transactions and overseas ATM withdrawals.

We recommend finding a travel money card which lets you lock-in a favourable exchange rate and supports multiple currencies on one card, to make sure you are securing a flexible and cost-effective deal.

How do you use a travel money card?

Using a travel money card should be straightforward and stress-free. Simply load funds onto the card before you leave, and once abroad, you will be able to reload funds and change currencies using the website or associated money transfer app . The card can be used to make withdrawals, in-store purchases and book travel arrangements.

Where can I get a travel money card?

Travel money cards are available from different retailers and can be purchased and preloaded online, over the phone or in-store, depending on the brand. In the UK, popular brands include Travelex and the Post Office.

Where can I use a travel money card?

Again, this depends on the brand and where you get your money travel card from. Available currencies vary from card to card but commonly used currencies include US Dollars, UK Pound sterling, Euros, Japanese Yen and New Zealand Dollars. Make sure you check with the provider before ordering a travel money card.

How secure are travel money cards?

Generally, travel money cards are considered a lot safer than handling multiple currencies in cash, or travellers cheques, as your provider will be able to cancel it if need be. Furthermore, some of the best travel money cards employ an equivalent level of security to traditional debit cards, including a PIN code, touch ID and face recognition.

Many consider it safer to use a travel money card abroad than a debit card, as they are not associated with your bank account and therefore cannot be linked if lost or stolen.

Travel money cards vs. Credit cards: What is the difference?

One of the biggest advantages of using a travel money card is that your chosen currency is preloaded before you arrive in the foreign country and you won’t be charged conversion fees. This means you are able to benefit from the most favourable exchange rates, locking it in ahead of time and using the funds at a later date.

Most people who use their credit card abroad do it because it is more convenient. The cost of this convenience, however, can sometimes amount to 3 - 5% per use, depending on the transaction and financial institution. Making a foreign ATM withdrawal with your credit card can incur flat-fees of $5 and up, each time.

This being said, there are some excellent traveller credit cards on the market, so we would recommend users compare exchange rates and transfer fees offered by each provider before making a decision on which card is more beneficial.

If you're planning on using your credit card, we suggest you take a look at our credit card wire transfer guide.

What are the alternatives to travel money cards?

Multi-currency accounts.

International money transfer companies are often tailoring their products and services to meet the needs of their customers. Wise , offers a multi-currency account designed with “international people" in mind. This savvy travel credit card is aimed at frequent flyers who want to spend in various currencies in over 200 countries. Wise is a reliable company to trust with your overseas spending habits.

Challenger banks

More and more alternative service providers are popping up around the world, many of them offering reputable banking features for the modern traveller. In a bid to distinguish themselves from traditional banks, challenger banks are scrapping fees on foreign exchange and international spending. Monzo customers, for example, can benefit from free international ATM withdrawals as well as fee-free spending overseas.

We hope this guide to travel money cards has enlightened you and helped you make a decision about whether this is a suitable payment method for your next trip overseas. We appreciate the value of your hard-earned cash and want all our customers to benefit from the best possible rates when dealing with international payments. Use our comparison tool today to make sure you are offered the most desirable exchange rate for your currency.

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The smarter way to travel

Multi-currency Cash Passport™. One Card, Ten Currencies.

Get your card   Get the app  

Multi-currency Cash Passport

10 currencies, locked in rates.

Lock in exchange rates each time you load and top up. Load up to 10 different currencies on one card. Pound Sterling, Euros, US Dollars, Australian Dollars, Canadian Dollars, New Zealand Dollars, South African Rand, Turkish Lira, Swiss Francs and Emirati Dirhams.

Stay in control

Manage and track your Cash Passport on the go via your mobile, tablet, laptop or PC. Login to  My Account  and stay in control of your money. 

Accepted at millions of locations

Preload your Cash Passport and use like you would a credit or debit card in-store, online or to withdraw local currency at ATMs.

Global assistance

Help is only a call away. If your card is lost, stolen or damaged, we can replace it quickly or provide you with emergency cash up to the available balance on your card (subject to availability).

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Running low on travel money.

Multi-currency Cash Passport is reloadable, allowing you to top up any of your currencies, anywhere, anytime.

You can top up in 5 ways:

• Bank transfer (via phone or internet banking)
• Via the mobile app
• Over the phone
• In participating branches

Learn more about your top up options.

Keep track of your travel money

You can use your mobile, tablet, laptop or PC to login to My Account  and stay in control of your travel money.

Register for My Account , so you can:

• Track your spending
• Top up your card
• Transfer between currencies
• Retrieve your PIN number
• Suspend your card temporarily

You can also download the Cash Passport mobile app, available for iOS and Android devices.

Travel with confidence

Safe and secure access to your money

Cash Passport uses Chip and PIN technology which means you can rest assured you have additional security making your card safer than carrying cash. Accepted at millions of locations and cash machines worldwide.

Looking for a back-up card for safe keeping? Simply purchase an additional card when ordering online or in-store.

We're here to help

We're only a call or email away at all times. Our global assistance team will help you if your card is lost, stolen or damaged.

We can replace your card quickly or provide you with access to emergency cash up to the available balance on your card (subject to availability), so you can keep enjoying your holiday.

Need further help?

View our frequently asked questions or feel free to contact us .

Cash Passport™ app

The new Cash Passport app has an improved design that makes managing your travel money faster and easier.

Start travelling smarter in just a couple of taps. Activate your Cash Passport card from your mobile, download the app from the iOS or Android store, log-in, and load up with your preferred currency. Simple!

Now you can securely store your payment card details in the Cash Passport app, so whenever and wherever you are, you can top up with up to 10 currencies, including Euros, US, Australian and Canadian Dollars and British Pounds at the touch of a button.

Stay in control the smart way. The new message centre feature lets you stay on top of tailored notifications, including low balance and transaction alerts. Keeping you up to date with your own personal need to know information.

Move money between your currencies with just a couple of taps – it’s that simple! Quickly move money between 10 currencies and spend more time enjoying your holiday.

Priceless Cities

Priceless Cities is a program available exclusively to Cash Passport cardholders and provides access to unforgettable experiences in the cities where you live and travel.

There’s a world of possibilities waiting for you to explore, so why not break free from your routine for a moment, a night, or even a weekend? Fuel your passions. Make memories to last a lifetime. Start Something Priceless.

Find out more

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*Foreign exchange rates can fluctuate and the rate that applies one day will not necessarily be the same on any other day. The exchange rates set out on this website apply to top-ups that are made via this website only and that are applied to your card account within four hours. We will provide you with the applicable exchange rate at the time you top up.

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Travel / Travel Money Card

Travel Money Card

Lock in exchange rates and load up to 13 currencies on one account to easily access your money while you’re travelling.

Features & benefits

$0 card issue fee.

Order a Travel Money Card for free in branch or online (search 'Travel Money Card' in the CommBank app or log into NetBank ).

Lock in exchange rates 

Load up to 13 currencies on one card before your trip, so you know how much you have to spend, no matter how the Australian Dollar moves.

Spend anywhere in the world 

Shop online, in-store, or over the phone wherever Visa is accepted, plus get access to Visa ® travel offers .

Easily manage your travel budget

Manage your holiday money and track your spending via the CommBank app or NetBank.

Your purchases, covered

Lost or stolen personal belongings? We may be able to cover the cost to repair or replace them up to 90 days after purchase. 2

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Lost, misplaced or stolen card? Lock it and report it in the CommBank app or NetBank. 

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Exchange rates

Load up to 13 currencies on one account

Lock in exchange rates and load up to 13 currencies easily on one account – wherever you are in the world – through NetBank or the CommBank app:  

• United States Dollars (USD)
• Euros (EUR)
• Great British pounds (GBP)
• Australian Dollars (AUD)
• 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)

No load or reload fees

You can load up to 13 currencies on your Travel Money Card with no load or reload fees. The exchange rate is the CommBank Retail Foreign Exchange Rate at the time of the conversion.

When you’re ready to pay for something, we will always try to complete the transaction for the country you are in. Make sure you have enough of the correct currency for the country you’re in on your card to avoid additional fees. If you don’t have enough of the local currency, we’ll use the next available currency instead, so long as there’s enough of it loaded on your card.

If you load multiple currencies on your Travel Money Card, you can  change the order  (the next available currency) anytime online. 

Rates & fees

See all fees and charges

Who can apply

To get your Travel Money Card, you’ll need to:

• Be at least 14 years old;
• Be registered to use NetBank, or register online New to CommBank? Sign up to NetBank at your nearest branch ;
• Provide a valid email address; and
• Have an Australian residential address

How to apply

Before your trip.

• Order a Travel Money Card in the CommBank app (search 'Travel Money Card'),  NetBank , or at your  nearest branch . 
• Load at least AUD 50 or the foreign currency equivalent to get started
• Once you’ve got your card,  activate and set your PIN online  in NetBank, or under Cards in the CommBank app
• Lock-in the exchange rate by  loading currency on your card in NetBank  or the CommBank app

How it works

During your trip.

• The  local currency will be automatically applied  when you pay for something, as long as it’s loaded on your card and you have sufficient funds
• Reload in real time , fee-free if your balance gets low
• Stick to daily transaction limits
• The maximum value of purchases per day is unlimited, however no more than your available balance
• The maximum amount you can withdraw from ATMs per day is AUD 2,500 or the foreign currency equivalent. Keep in mind most ATM operators have a limit on how much you can withdraw from an ATM per transaction
• The maximum amount for over-the-counter withdrawals per day is AUD 2,500 or the foreign currency equivalent.

When you’re home

• Got leftover currency? Exchange it for another currency or back into your CommBank account from  NetBank  or the CommBank app
• Top up  your Travel Money Card (it’s valid for 4 years) in preparation for your next trip
• Donate  your foreign (and local) currency to any CommBank or Bankwest branch and every cent will go to UNICEF
• How to manage your Travel Money Card

You’ve got your new card – here’s how to get the most out of it.

Find detailed info on getting started, loading and reloading currencies, setting a currency order, checking your balance and tracking your spend. Plus, info on Purchase Security Insurance Cover and access to Visa ® travel offers .

Manage your Travel Money Card

Need foreign cash? Have it ready before you travel

If you’re a CommBank customer, you can buy or sell up to 9 foreign currencies at selected CommBank branches in exchange for Australian Dollars.

You can also order foreign cash in over 30 currencies online – even if you’re not a CommBank customer.

Discover Foreign Cash

Planning an overseas trip?

Discover travel tips to help make the most of your European summer holiday.

See travel tips

Emergency support & tools

What to do if you’ve lost your card or it’s stolen.

If you’ve lost your Travel Money Card, or you think it might’ve been stolen, we can have an emergency replacement card sent to you anywhere in the world.

You may also be eligible for an Emergency Cash Advance, giving you access to cash within 24-48 hours (often on the same day).

Call us in an emergency on:

• 1300 660 700  within Australia
• +61 2 9999 3283 from overseas (reverse charges accepted). 

When calling from overseas using your mobile, standard roaming charges may apply. To avoid roaming charges, call the international operator in the country you’re in from a landline and give them our reverse charges number +61 2 9999 3283.

Tools & calculators

• Saving calculator
• Budget planner
• Managing multiple currencies on your Travel Money Card
• Travelling overseas: 10-step money checklist  
• Beginners guide to exchange rates
• Online banking while overseas  
• Planning an overseas holiday

We can help

Your questions answered

Get in touch

Visit your nearest branch

Things you should know

1 The cash withdrawal fee will not apply to cash withdrawals made in Australia.

2  For more information relating to the complimentary Purchase Security Insurance refer to  Travel Money Card Complimentary Insurance Information Booklet (PDF) .

As this advice has been prepared without considering your objectives, financial situation or needs, you should before acting on this advice, consider its appropriateness to your circumstances.  The Product Disclosure Statement and Conditions of Use (PDF)  issued by Commonwealth Bank of Australia ABN 48 123 123 124 for Travel Money Card should be considered before making any decision about this product.  View our Financial Services Guide (PDF) .

To raise a dispute related to your Travel Money Card please complete  this form for transactions (PDF)  or  this form for ATM disputes (PDF) .

Any withdrawal or balance enquiry fee will come from the currency for which you are using your card. If this currency is not loaded on your card, the fee will be taken from the first (or sole) currency loaded on your card. Any SMS balance alert fee will come from the first (or sole) currency loaded on your card.

The target market for this product will be found within the product’s Target Market Determination,  available here .

Travel money card

Spend like a local with a travel debit card for exploring the globe. Whether it's a virtual or a physical card, we've got all your travel money needs covered.

Need an international travel card? Take us all around the world

Exchange currencies, send money abroad, and hold 36 local currencies in-app. These are just some of the reasons why our customers love their travel debit cards.

Built-in security features

Set spending limits, get payment notifications, and freeze or unfreeze your card in-app.

Add it to Google Pay or Apple Pay

No need to wait for your physical card to arrive — spend instantly with a virtual card.

Withdraw without ATM fees

Get fee-free ATM withdrawals, up to £2,000 per rolling month, depending on your plan type.*

Manage travel money in-app

Manage everything for your holiday money card in the Revolut app, from top-ups to transfers.

*No ATM withdrawal fees within plan limits on a rolling monthly basis. 3rd-party providers may charge a withdrawal fee and ATM fair-usage fees. Weekend markups will apply. Currency exchange fees may apply.

Spend like a local in 150+ currencies

No ATM fees up to £2,000 per month*

*No ATM withdrawals fees within plan limits on a rolling monthly basis. Third-party providers may charge a withdrawal fee and ATM fair-usage fees. Weekend markups will apply.

Spend right away with Apple Pay or Google Pay

How to get your travel money card in the UK

Get your currency debit card in 3 steps

Get revolut.

Join 40+ million people worldwide saving when they spend abroad with Revolut.

Order your card

Order your free travel money card to spend in 150+ currencies. Delivery fees may apply.

Spend like a local

Start spending around the world. That's your travel money, sorted.

Get instant payment notifications

Spend with confidence

Built-in security measures

How to save money with travel currency cards

Tips for saving with a money travel card

Don't exchange at airports or at home.

Don’t exchange cash before you travel — use your travel money card to spend or withdraw money from an ATM (just watch out for ATM fees).

Always choose the local currency

Choose the local currency when spending with your card in shops and restaurants.

Save on travel spending with a Revolut card

Spend in the local currency at competitive rates on your next trip from the UK.

For life, not just for holidays

We're not a prepaid card you just throw away after your trip. Trust us, you’ll want to use Revolut for future adventures and everyday spending.

Rating as of 28 Apr 2024

704K Reviews

2.8M Reviews

Spend your holiday money in 150+ currencies

Need a little more help?

Holiday money card FAQs

What is a travel money card, what currencies can i spend with a travel money card, what are the limits for spending with a travel card, how can i manage my travel money card, is a travel money card safe and secure, how can i order a travel money card.

• Download the Revolut app : find it in Apple or Google Play Store
• Sign up to Revolut : apply for an account and verify your identity
• Add a debit card : go to Cards and follow the instructions to start your order
• Set your PIN : choose a PIN that you'll remember
• Arrange delivery : enter your delivery address, and select your delivery method before proceeding to checkout (Delivery fees may apply)

Is a travel money card better than travel money?

• Don’t exchange cash at the airport: it’s much cheaper to withdraw money from an ATM with your travel money card
• Don't carry more cash than you need: when you return home from your trip, you’ll need to re-convert this cash back to GBP, which can take time and cost you in fees
• Always choose the local currency when spending with your card in shops and restaurants
• Sign up to Revolut so you can manage your balance and get instant notifications on what you spend

What is the best bank to use when travelling abroad?

• Exchanging currency before you go, or while you're there
• Withdrawing money from ATMs
• Using your card in shops, restaurants, and more

What's the difference between using prepaid travel cards or travel debit card for spending abroad?

Hays Travel Money Card

The Hays Travel Mastercard® is free to use in millions of locations worldwide where Mastercard® Prepaid is accepted when you spend in a currency loaded on the card: including restaurants, bars, and shops. This easy-to-use pre-paid card allows contactless transactions, chip and PIN, worldwide cash withdrawals, and also 24/7 phone support. Take your currency card with you on every holiday, simply top up and go! Just call into your local Hays Travel branch today to purchase your Hays Travel Prepaid Travel Money Card. *The Hays Travel Mastercard is only available to UK residents aged 18 or over. A valid Passport or Drivers Licence must be presented in the branch at the time of purchase.

BUY YOUR HAYS TRAVEL MASTERCARD

The Hays Travel Money Card is the safe and easy way to take your money on holiday!

• BUY IN BRANCH

Connect to your google pay wallet

You can now link your Hays Travel Mastercard with Google Pay for swift and secure transactions wherever you go. Say goodbye to carrying physical cards and hello to effortless payments with just a tap of your phone. Simplify your travel experience today!

The Hays Travel Currency Card app

The Hays Travel Currency Card App enables you to fully manage your travel card account and stay in control of your holiday finances at home and abroad. The app enables you to:

• Instantly top up multiple different currencies from anywhere in the world
• Check your real time balance
• Lock-in exchange rates when you top up and transfer money between currencies
• Keep track of your spending and view transactions
• Freeze/Unfreeze your card
• Check your card PIN
• Manage your personal details

Download our app here

Manage the card on the go via Hays Travel Currency Card App

My Account Portal

Available currencies.

• British Pounds
• Australian Dollar
• Canadian Dollar
• Czech Koruna
• Japanese Yen
• Mexican Peso
• New Zealand Dollar
• Polish Zloty
• Swedish Krona
• South African Rand
• Swiss Franc
• Turkish Lira

Useful links

• Card Services Support Numbers
• Terms and Conditions

Travel Money

• Clubcard Prices Clubcard Prices

Clubcard Prices are available for all currencies, just enter your Clubcard number on the next page. Full T&Cs below.

• Click & Collect Click & Collect

Collect for free from more than 350 Tesco stores with a Bureau de change.

• Home Delivery Home Delivery

Free delivery on orders worth £500 or more.

Exchange rates may vary during the day and will vary whether buying in store, online or via phone.

Select currency

Error: Please select if you have a Clubcard to continue

Do you have a Tesco Clubcard?

How much would you like?

Error: Please enter an amount between £75 and £2,500

Find a Store to get your Travel Money

With Click & Collect you can order your travel money online and pick it up from selected Tesco stores near you, or you can buy instantly from an in-store travel money bureau.

Enter a postcode or location

Search results

3 easy ways to purchase Travel Money

Click & collect.

• Order online and choose to collect from over 500 Tesco store locations Order online and choose to collect from over 500 Tesco store locations
• Pick a collection day that works for you Pick a collection day that works for you
• Order euro or US Dollars Order Euros or US Dollars before 2pm and you can pick-up from most stores the next day

About Click & Collect

Home delivery

• Order online by 2pm Mon-Thurs for next day delivery (excludes bank and public holidays), to most parts of the UK Order online by 2pm Mon-Thurs for next day delivery (excludes bank and public holidays), to most parts of the UK
• Free delivery for orders of £500 or more Free delivery for orders of £500 or more
• Secure delivery via Royal Mail Special Delivery Secure delivery via Royal Mail Special Delivery

About Home Delivery

Buy in-store

• Buy your foreign currency instantly in our travel money bureaux in selected Tesco stores across the UK Buy your foreign currency instantly in our travel money bureaux in selected Tesco stores across the UK
• Turn unspent travel money back into Pounds with our Buy Back service Turn unspent travel money back into Pounds with our Buy Back service

About Buy Back

Best Travel Money Provider 2023/24

Now in it’s 26th year and voted for by the public, the Personal Finance Awards celebrate the best business and products in the UK personal finance market. We’re delighted that you voted us as Best Travel Money Provider 2023/24.

Additional Information

Ordering and collection.

You can pick a collection date when you're ordering your money. Order before 2pm and you can pick up Euros and US Dollars from most Tesco Travel Money bureaux the next day. Other currencies can take up to five days. Alternatively, you can order any currency for next weekday delivery to most of the selected customer service desks.

Please make sure you collect your money within four days of your chosen date. If you don't, your order will be returned and your purchase will be refunded, minus a £10 administration charge.

Will I be charged if I cancel my order?

Collection fees

Click and collect from stores with a Bureaux de change:

• Free for all orders

For non-bureaux stores with a click and collect function:

• £2.50 for orders of £100.00 - £499.99
• Free for orders of £500 or more

What to bring

For security, travel money will need to be picked up by the person who placed the order.

• a valid photo ID – either a passport, EU ID card, or full UK driving license (we do not accept provisional driving licenses)
• your order reference number
• the card you used to place the order (you’ll also need to know the card’s PIN)

Home Delivery

We can send your travel money directly to you via secure Royal Mail Special Delivery. You can even pick the delivery date that suits you best.

We also offer next-day home delivery on all currencies to most parts of the UK if ordered before 2pm Monday-Thursday.

Check the Royal Mail site to find out if your postcode is eligible for next day delivery

Delivery costs

£4.99 for orders of £100 - £499.99 Free for orders of £500 or more

• You’ll need to make sure there’s someone at home to sign for your delivery.
• Bank holidays and public holidays will affect delivery times.
• We are unable to cancel or amend home delivery orders after they have been placed.

Clubcard Prices

Clubcard Prices are available on the sell rate only for currencies in stock online, on your date of purchase. The Clubcard Price will be better than the standard rate advertised online on the date of purchase. When purchasing online you must enter a valid Clubcard number to obtain the Clubcard Price rate. Exchange rates may vary whether buying in store, online or by phone.

Clubcard Prices apply to foreign currency notes in stock on your date of online purchase. Due to constant market and currency fluctuations, rates on the date of purchase cannot be compared to another day’s rates. The actual rate you receive may vary depending on market fluctuations. Clubcard data is captured by Travelex on behalf of Tesco Bank.

Check out the Tesco Bank privacy policy to find out more.

Buying foreign currency using a credit or debit card

No matter how you purchase your travel money, whether it be in store, online or over the phone, you will not be charged any card handling fee by us. However, regardless of your card type, your card provider may apply fees, e.g. cash advance fees or other fees, so please check with them before you purchase your travel money.

Click & Collect cancellations

You can cancel a Click & Collect order any time prior to collection. We'll refund you with the full Sterling amount that you paid for your order, unless you cancel less than 24 hours before your collection date, in which case we'll charge a £10 late cancellation fee.

We are unable to refund any fees charged by your card issuer, so please contact them if you have any further queries.

When you get home, we'll buy your travel money back

Let us turn your unspent holiday money into Pounds. It couldn't be simpler.

Just pop into one of our in-store Travel Money Bureaux when you get home. We buy back all the currencies we sell in most banknote values and also the Multi-currency Cash Passport™. Buy back rates may vary during the day.

It doesn't matter where you bought your travel money, even if it wasn't from a Tesco Travel Money Bureau, we'll still buy it back.

More about currency buy back

How our Price Match works

If you find a better exchange rate advertised by another provider within three miles of your chosen Tesco Travel Money Bureau, on the same day, we'll match it.

Price Match only applies in store on a like-for-like basis on sell transactions and does not apply to any exchange rate advertised online or by phone. This is not available in conjunction with any other offer. We reserve the right to verify the rate you have found and the three mile distance (using an appropriate route planning tool).

See full terms and conditions below.

Tesco Travel Money is provided by Travelex

Tesco Travel Money ordered in store is provided by Travelex Agency Services Limited. Registered No. 04621879. Tesco Travel Money ordered online or by telephone is provided by Travelex Currency Services Limited. Registered No. 03797356. Registered Office for both companies: Worldwide House, Thorpewood, Peterborough, PE3 6SB.

Multi-currency Cash Passport is issued by PrePay Technologies Limited pursuant to license by Mastercard® International. PrePay Technologies Limited is authorised by the Financial Conduct Authority under the Electronic Money Regulations 2011 (FRN: 900010) for the issuing of electronic money and payment instruments. Mastercard is a registered trademark, and the circles design is a trademark of Mastercard International Incorporated.

How much travel money will I need?

Whether it’s a burger in Brisbane or a taxi in Toronto, get a feel for how far your travel money might go with our foreign currency guides. We’ll help you manage your travel budget like a pro.

You are here

Travel money card faqs.

Have a question about buying a Currency Pass, or potentially you need help with your existing card? Either way, you've come to the right place! To save you scrolling, below is our top 6 types of FAQ. If your question isn't answered here, it may be further down this page.

MIC_TMG_TMOZ_FAQ-TILES_Loading-and-Accessing-Money.jpg

MIC_TMG_TMOZ_FAQ-TILES_Login-Password.jpg

MIC_TMG_TMOZ_FAQ-TILES_PIN-CODE.jpg

MIC_TMG_TMOZ_FAQ-TILES_ATM.jpg

MIC_TMG_TMOZ_FAQ-TILES_Lost-Stolen-Card.jpg

MIC_TMG_TMOZ_FAQ-TILES_Cash-Out.jpg

• What is Currency Pass?
• Who is behind Currency Pass?
• How safe is my information & funds?
• How do I change my account details?
• Do I have to be online to use Currency Pass?
• How does a Currency Pass work?
• Is the Currency Pass a credit or debit card?
• Where can I use the Currency Pass?

Currency Pass is our travel money card, and your answer to travelling safely and securely! With Currency Pass you can load up to 10 x currencies on your card, lock in your exchange rate and use it wherever Mastercard is accepted, including at ATMs. Find out more here .

Our Currency Pass is supported by Mastercard which means you can use it anywhere Mastercard is accepted, including at ATMs globally.

Safety and security is important to us. With Currency Pass, none of your personal information is stored on the card, unlike a credit card which is connected to your financial institution. Your transactions are managed by Mastercard but funds are underwritten by EML Payment Solutions Limited ('EML') ABN 30 131 436 532 , AFSL 404131. In the unlikely event that you misplace your card, you can suspend the card by giving us a call on +61 (2) 8974 0856. We can make arrangements to transfer you money via Western Union. Additionally, as the card isn't linked to your financial institution, you can rest assure that if someone has it, they can't access your accounts back home.

Easy - login to my.travelmoneyoz.com and from here, click on Account Details in the menu bar. From here, you're able to edit your email address, phone number and address. For help with changing anything us, give us a call on 13 61 95, or +61 (2) 8974 0856 from overseas.

No, Currency Pass works just like your every day debit card. You can simply tap and go for every day purchases or withdraw funds from an ATM. The only time you really need to be online is if you want to manage your funds via our easy to use app or website.

Currency Pass works just like your every day debit cards. You can use it for tap and go purchases, paywave and online shopping. But we've made it just a little bit better by being able to load up to 10 different currencies so that when you're travelling you can spend the local currency and always know how much it's costing you.

Travel Money Oz Currency Pass is a debit card. You can only spend the funds that are loaded onto the card. The best part is, you won't get caught out with hefty credit card fees and interest. You're only spending your money.

We're pretty confident we have most destinations covered however Iran, North Korea, Sudan, Syria and Crimea, Donetsk and Luhansk regions are affected by sanctions, which means that your Currency Card will be declined if you try to use it in these countries. Additionally, all Mastercards will not work at Russian merchants or ATMs. The list of countries in which the Currency Card does not work will be updated from time to time, so please check back here before travelling.

• How do I get a Currency Pass?
• How much will a card cost me to purchase?
• Can you buy a Currency Pass if you're under 18?
• Can I get a second card?
• What do I do if I can't buy a Currency Pass online?

Getting a Currency Pass is easy. You can order a card online via our website (this will take up to 14 business days to receive in the mail) or simply visit one of our stores to take one away immediately.

Our Currency Pass is free to buy - just make sure it's loaded with minimum $20 to get started. We don't charge any fees for issuing and loading your card in store either. (Although, merchant fees will apply if you are using a credit card to load funds). More info on fees and limits can be found here.

Yes, you can get a Currency Card if you are under 18. You will however, need to complete your identity verification in person at your nearest Travel Money Oz store. Only Australian Passport or Drivers License will be accepted as valid ID.

Unfortunately we can only give 1 x card per Currency Pass account.

To buy a Currency Pass online, you must verify your identity against several government sources (100point ID check). If your identification doesn't meet the online requirements, you still may be able to buy a Currency Pass in store if you're an Australian resident. Simply bring in a valid photographic Australian Passport, or Australian state driving license and we can set you up on the spot.

TOP TIPS WHEN USING YOUR CARD

• How do I use my Currency Pass overseas?
• What do I do if an overseas vendor asks if I want to pay in AUD?

Always select credit when making a transaction (including at ATMs!) and if given the option, pay in the local currency of the destination vs AUD, providing it's loaded on your card. This avoids you paying extra conversion fees (this is often called Dynamic Currency Conversion).

We recommend always paying in the local currency if it’s loaded on your Currency Pass (local currency of the destination). In some situations, ATMs and retailers may offer ‘Dynamic Currency Conversion’ (payment in your home currency). This however, simply allows them to dictate their own exchange rate and may result in you being charged fees associated with a foreign transaction. Spending in the local currencies means you always know what you're paying and have greater control over your funds.

REGISTERING

• How do I register online?
• What do I do if I'm unable to register my account?

Follow these steps...

• Go to the register page.
• Enter your details into the registration form and press next.
• Create your password and security questions.

Give us a call on 13 61 95, or if calling from overseas +61 (2) 8974 0856 and we'll give you a hand.

• How do I activate my card?

Just like your regular bank cards, for security reasons Currency Cards need to be activated once you've received it. To do this, follow the below prompts...

Call Mastercrd on 1800 098 231 or on +61 (2) 8974 0856 from outside of Australia

Press 1 to hear the card services line in English

Press 4 for Card activation or PIN Assistance

Follow the prompts and enter your card details

Your card is now active, continue to listen and follow the call options to hear your new PIN number

LOGIN/PASSWORD

• How do I log in to the portal?
• Who do I contact if I'm locked out of my Currency Pass account?

Easy - go to the login page and enter in your email and password. If this isn't proving to be easy, and you're having a bit of trouble, give us a call on 136195 (or +61 (2) 8974 0856 if you're overseas).

No stress - head to my.travelmoneyoz.com and select 'I have forgotten my password' to reset your account. If you're still having trouble, give us a call on 13 61 95, or if calling overseas +61 (2) 8974 0856

• How do I reveal my PIN?
• How do I change my PIN?

You've got 2 x options..

1. By phone - Give us a call on 136 195, or if calling from overseas +61 (2) 8974 0856. From here, press 11 to hear the card services line in English and then press 2 for Card Activation or PIN Assistance. Follow the prompts and enter you card details to hear your current card balance.

2. Reveal via desktop (note this won't work as well on mobile!) - Log into the my.travelmoneyoz.com portal. Click on the Currency Card link at the top of the screen. Reveal PIN is the 5th option.

You can change your PIN number at select RediATM's... but, not all RediATM's support this, so to save you time and effort - log into the Currency Pass portal, click on Currency Card and through to Change my PIN, you'll see the ATM finder where you can type in your suburb or postcode to find your nearest RediATM.

LOADING & ACCESSING MONEY

• How can I load my card?
• What currencies can I load?
• What is this SMS I need to get to reload?
• I'm get an error message when I try to reload, what should I do?
• How do I change my card's default currency?
• What is the maximum/minimum amount I can load on my card?
• How long does it take for funds to be loaded onto my card?
• What happens if I run out of funds in one currency, but have other currencies available?
• How do I transfer between currencies?
• How much will it cost for me to reload my card?

You have a few options. You can load money onto your card using the Travel Money Oz app, or by logging into your account on our website - from here, you can load via Debit or Credit Card (including using Google or Apple Pay), or via Bank Transfer (using Poli for secure and instant bank transfers), or you can load your Currency Pass in any of our stores nationwide. You can also reload your card with BPAY at any time from your online banking account (2-3 days for BPAY transfers to appear).

Up to 10! They include... USD, EUR, GBP, NZD, CAD, HKD, JPY, SGD, THB and AUD.

If you're heading somewhere and their currency isn't one of the above, no stress - load in AUD (or any of the others) and withdraw the local currency from an ATM. Or swipe/tap as normal and it will convert as you go with each transaction.

We use extra authentication as a security measure when you reload funds. The SMS is sent from your bank, not us. If you can't receive the SMS, you'll need to contact your bank to update your details. As an alternative, try reloading using BPAY, however, if we're a new payee, it's possible your bank still may need to send a SMS.

Received an error during your reload? This means your card has not been loaded (even if you see the funds pending in your bank balance). Please contact us via [email protected] before you re-attempt your transaction.

To start, make sure you're logged into the Currency Pass portal then...

Select Currency Card in the top menu, and Currency Card Settings

Then click on the set default currency button

Once this change is made, any unquoted Bank transfer or BPAY loads will land in the default purse.

The minimum amount you can load is $20 (AUD) but who are you kidding, you'll be spending alot more than that on your holiday.

The maximum amount your can load onto your Currency Pass in one load is $10,000 (AUD). If you need more just speak to us in store.

How quickly do you need the money? Credit / debit card transfers are instantly available. Bank transfers will take 1 business day (Mon-Fri) and prior to 2pm AEST. BPAY will take a little longer, this is on average 3 business days. Alternatively, come and see us in store at one of our 140+ locations for more immediate assistance.

If a purchase cannot be completed because there are not enough funds in that currency on your card and you do have other currencies, the card will automatically convert other currencies to complete the purchase. The transaction will be split across 2 or more currencies and will appear that way on your statement. Read more about this in our PDS.

Log into your account by clicking on the login/register button at the top of the Travel Money Oz website. Once you're in, click on the Currency Card tab, and select Transfer between currencies. Select the currency you wish to transfer from, and to. From here you can enter the amount you wish to transfer. You will then see the amount of the new currency, along with the rate in which the transfer is completed. Don't forget to click "Confirm Transfer" to complete your transfer.

Please refer to our Fees for more information.

BALANCE & TRANSACTION HISTORY

• How do I check my balance?
• How do I check my transaction history?
• Can I use my card for a pre-authorisation?
• Why are there pending transactions?

You can check your balance by logging into my.travelmoneyoz.com or through our app. Your balance will be on the home page once you've logged in. Or, give us a call on 13 61 95 or +61 (2) 8974 0856 from overseas and you can hear it over the phone.

Should you need to take a peak at the shopping damage, you can view your full transaction history online at my.travelmoneyoz.com or via the Travel Money Oz app. Both of these options also allow you load additional funds and transfer money to other currencies.

If you’re using your Currency Pass for pre-authorisation for a bond payment with a merchant (i.e for a hotel, car hire or cruise), the pre-authorisation amount may not be released back onto your card for up to 30 days. If you pre-authorisation amount hasn't cleared within this period, give us a call on 13 61 95 or +61 (2) 8974 0856 from overseas.

Any pending transactions will update as the merchant settles them. Once this happens it will be reflected on your transaction history. Should you need to dispute a transaction please give us a call on 13 61 95, or +61 (2) 8974 0856 from overseas.

• Can I use my card at an ATM?
• Why are there extra ATM fees on my statement?

Make sure you're using an ATM that accepts Mastercard Always press "credit" If you've entered your PIN incorrectly more than 3 times, your card will be blocked as a security measure. If this happens please give us a call on 13 61 95 or +61 (2) 8974 0856 from overseas.

Every time you use an ATM, it's likely you'll be charged a standard ATM fee, with this, there may be additional charges from that ATM provider where you withdrew money. We've outlined this in our PDS so you're aware. The difference in fees may also be due to the transaction being made in your local currency, versus the currency of the country you're travelling in. We always recommend making purchases in the local currency where possible, and being aware of the ATM fees before you withdrawal cash as the more you use an ATM, the more fees you're likely to incur.

LOST OR STOLEN CARD

• I have lost my card, or it has been stolen, what do I do?
• How do I get a replacement card?

You have 2 x options here (please promise us you'll action immediately!)

1. You can place a temporary block (or unblock) on your card when you're in your Currency Pass account.

2. Call us 24/7 on +61 (2) 8974 0856 and if your card is lost, we'll suspend it - and if it's stolen, we'll close it to prevent fraud. If you need emergency $$ you'll need to give us a call so we can check you're eligible and let you know where your nearest pick up location is

To order a replacement card, give us a call on 13 61 95 and we can sort you out with your 2.0 card! If you're having issues activitating your card, also give us a bell on the same number.

CANCELLED OR SUSPENDED CARD

• My card has been cancelled or suspended, what should I do?

Please give us a call on 13 61 95, or +61 (2) 8974 0856 from overseas.

• How do I cash out my remaining funds?

If you've returned home with leftover currency (well done, you!) you have a few options:

Your card is valid for 5 years, so you can hold onto it and use it again next trip. You can transfer any leftover funds to AUD and simply use the card for day to day transactions. You can have the balance transfered back into your Australian bank account. There's 2 x ways you can do this... 1. Online

Login to my.travelmoneyoz.com click on cash out to bank account. We'll need to confirm how much you want to cash out, your ID and your Australian bank details. You will also need to confirm your Mothers Maiden Name and DOB (this must be of the cardholder). This will take up to 5 x business days and you will be charged a $10 fee which will come out of your balance.

Give us a call on 13 61 95, or +61 (2) 8974 0856 from overseas. This will take up to 10 x business days and you will be charged a $10 fee which will come out of your balance.

MASTERCARD OVERSEAS CONTACT NUMBERS

• UK – 0800 056 0572
• USA/Canada – 1877 465 0085
• Japan – 00531 780 221
• Thailand – 001800 442 212
• New Zealand – 0800 444 691
• Hong Kong – 800 966 321
• South Korea – 00798 4434 1279
• Other countries – +44 207 649 9404

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Help and support Travel Money Card

Manage and top up your Travel Money Card account online. Find the answers to the most frequently asked questions. Or get in touch with our travel team if you still need to.

New-look travel app out now

Our revamped travel app’s out now. It makes buying, topping up and managing Travel Money Cards with up to 22 currencies a breeze. Buying and accessing Travel Insurance on the move effortless. And it puts holiday extras like airport hotels, lounge access and more at your fingertips. All with an improved user experience. Find out what’s changed .

Common Travel Money Card questions

• Before you go
• Currency questions
• While you’re away
• Lost cards and leftover funds

Do I have to pass a credit check to purchase a Travel Money Card?

No. We’ll carry out an electronic address verification check based on the information you provide. This will be stored but will not affect any credit rating.

How long will my card take to arrive?

If you order your card online it will be delivered to your home address in two to three working days. If you require a card in a shorter time please check with your local Post Office branch. Exchange rates vary between online and branch.

What do I need to do before I travel?

Before leaving the UK, make sure you have activated your Travel Money Card. Activation can be done through the free Post Office Travel app – download now from the Apple App Store or Google Play . The app allows you to top up, track spend, view balances and freeze spend.

Activation can also be done by calling our automated line on +44(0) 20 7937 0280. Full details can be found on the letter that comes attached to you your card.

How do I get my PIN / Change my PIN?

To get your PIN, download the free Post Office Travel app from the App Store or Google Play , create an account and you can check your PIN wherever you are in the world.

Alternatively, you can call our automated line on +44 (0)20 7937 0280 and select Option 1. Your change of PIN can only be done at UK ATM’s that accept Mastercard and offer the PIN change facility.

Which currencies can I load on my card?

You can load any of the following currencies on to your card. The card can hold up to 22 currencies at once, but they can only be loaded one at a time:

Euro, US dollars, Australian dollars, Canadian dollars, New Zealand dollars, Thai baht, UAE dirham, Turkish lira, South African rand, Swiss francs, Polish zloty, pounds Sterling, Chinese yuan, Czech koruna, Danish kroner, Hong Kong dollar, Hungarian forint, Japanese yen, Norwegian krone, Saudi riyal, Singapore dollar or Swedish krona.

Which currency should I load?

We recommend that you load the currency of the country that you’re travelling to. If we don’t offer that currency we recommend that you load pounds Sterling on to your card.

Should I pay in Sterling if given the choice while abroad?

We recommend that you always pay in the local currency and not Sterling. This will prevent high fees and very poor exchange rates being applied at an ATM or retailer. This is known as Dynamic Currency Conversion (DCC) . We include information about DCC in every card pack.

Using your card abroad

Where can i use my card.

Your card can be used wherever Mastercard is accepted.

Is there anywhere that my card won’t work?

We have to authorise your card immediately which means a small number of locations may not be able to take your card. This includes unmanned petrol pumps, toll booths and on board cruise ships or aeroplanes.

Anywhere I shouldn’t use my card?

We recommend that your card is not used to pay deposits on car hire or used when checking in to hotels that require a deposit. Both of these could lead to funds being held by the retailer, which would prevent you from using them.

Can I withdraw money from ATMs?

Yes you can. You can use any ATM that’s accepts Mastercard. Fees will apply for every cash withdrawal. These fees are detailed online or on your welcome letter. Please be aware that some ATMs may also charge you and this should always be displayed on the ATM screen. We always recommend that you withdraw cash in local currency and don’t choose to pay in Sterling or accept their currency conversion.

Topping up and managing currencies

How can i top up my card with more money.

The easiest way is via our mobile app, which is available to download from the App Store or on Google Play .

You can also top up via our website if you’ve created an account. And you can ask friends or family to top up on your behalf in any UK Post Office branch, too. All they need is your card number.

Can I top up with a different currency to the one I loaded in the first place?

Yes, you can. Our multi-currency card allows you to load any of the 22 currencies we offer.

Do I have to move money from one currency to another?

No, you don’t have to move money. If you have money in one currency and spend in a different currency we’ll automatically move this for you to authorise a transaction. Alternatively, you can move the funds using the "Transfer" icon on the free Post Office Travel app ( App Store , Google Play ) or "Transfer to another wallet" icon if managing your account online .

How can I track my balance?

The easiest way is to use our mobile app. This shows clearly what your remaining balance is in each currency. We do not recommend the use of ATMs to check your balance as they will provide a GBP figure using a different exchange rate. Remember, your balance is held in each currency so is not affected by exchange rates unless you change it to other currencies.

Download the Post Office Travel app from the Apple App Store or Google Play .

What do I do if my card is lost or stolen?

You need to call us immediately on +44 (0) 20 7937 0280. We’re here 24 hours a day.  

We’ll cancel your card and work out the best way to replace it. A fee may be charged if we need to courier a replacement card overseas.

If you think you have misplaced your card and want peace of mind, you can freeze spend on your card using the Post Office Travel app, available on the App Store and Google Play . You can unfreeze just as easily if you find your card again.

I have money left on my card. What do I do?

You have 4 options available to you:

• Leave the money on your card for your next holiday
• Visit any Post Office branch and withdraw the balance over the counter in Sterling. There is a daily withdrawal limit of £300 per day
• Spend your money in the UK as normal. We will move the money to Sterling every time you pay for something. Anything you don’t spend stays in the currency you have on the card. No fees apply, we just use the day’s exchange rate
• Call us to ask for a refund. Please note that you will get a better exchange rate by spending on your card or withdrawing cash from a Post Office branch
• Other sections:

Manage your card with our app

Order, top up and view the balance of your Travel Money Card, and transfer leftover currency funds to a new currency of your choice.

Post Office Travel app

Download our free app for your mobile device:

Lost or stolen cards

If your card’s been lost or stolen, we’re here to help. Lines open 24 hours a day, 7 days a week

Call us 24/7

Please call our Travel Money card team immediately on: 0207 937 0280

We’ll cancel your card and work out the best way to replace it.

Contact us about using your card

Need help managing your Travel Money Card and transactions and can't find the answer you need in our FAQs above or self-service tools? Our team's here for you.

Transactions and managing your card

For enquiries about transactions or managing your card online or via the app, call: 0207 937 0280

Manage your card online

Log into your online account top up your Travel Money Card, view your transactions and more all in one place.

Top up with currencies, check recent transactions, freeze your card and more online.

Contact Post Office about in-branch services

If you have a question, feedback or a complaint about services provided in Post Office branches, including getting a Travel Money Card there, here's how to get in touch with us.

Send us a message

Please complete our enquiries form to tell us what you’d like to know or share feedback on your experience.

Make a complaint

If you’re not happy with your Post Office experience, please let us know and we’ll do our best to put things right.

Five Ways to Save Big On Your Phone Bill When Traveling Abroad

Traveling internationally and want to save cash? Here are five smart ways to save big on your phone bill.

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Not long ago, a man from the U.S. returned home from a trip to Europe to a $143,000 T-Mobile bill, apparently because the phone had not been set up for international roaming, according to an article in The Guardian . Considering that 1.3 billion people traveled globally in 2023, there’s a real chance you, too, may come home to a high cell phone bill, especially if you don't determine your needs (or wants) beforehand.

Although using your smartphone has become a necessary part of international travel , roaming fees alone can be exorbitant, and depending on your carrier, using data outside the U.S. is also at a premium. 

What is the right way to set up your phone when traveling internationally? Here are five tips. 

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1. Before you travel, talk to your provider

The first thing to do before traveling overseas is to check out your service provider’s policy regarding international cell phone use. Although you may want to reach out a few months before traveling, check back often, as policies can change. You may also want to see what your current contract does and doesn’t allow.

In the past, global roaming was an extra feature you could opt into for an additional fee. However, many service providers now activate international texting, calling, and data features automatically as soon as you use your phone in a foreign country. Just understand that this feature can be pricey, so if you plan on traveling for a long time, find out ahead of time if it’s worth the price.

2. Use temporary data passes

When traveling abroad , you may find you need extra data because you want a higher data speed, the ability to stream HD video, or you’ve reached your data allotment. Providers like T-Mobile, Verizon and AT&T all provide temporary data passes, although they have different names — Sprint’s $5 to $10 International High-Speed Data Roaming Pass , T-Mobile’s $5 International Pass , Verizon’s $10 TravelPass , and AT&T’s $10 International Day Pass . 

They each provide a set amount of roaming data that you can use for a certain amount of time for one price. Unfortunately, these temporary data passes are expensive. But If you can’t unlock your phone, they might be your only good option. 

3. Swap your SIM card

Renting a SIM card allows you to make calls or text and use data by swapping out your current SIM card for one compatible with the country you're visiting. When you rent a new SIM card, you’ll get a new number, so you won’t be able to receive calls or texts on your regular phone number. Before you go, make sure to notify family and friends so they can contact you via Facebook Messenger or a chat app instead. Even so, renting a card is generally a much cheaper option than paying for an international roaming service. 

Specialized stores in major airports and cell phone companies often offer SIM card rental. In fact, Amazon sells SIM cards for Europe ranging from around $20-$50, typically for 30 days of use.

Another option is an eSIM card . Unlike the regular SIM cards you remove from a phone, an eSIM is a microchip embedded in the phone’s hardware and is especially useful when you’re traveling internationally. According to AARP , you can purchase data through eSIM providers such as GigSky, Airalo, Nomad and Flexiroam, or you can add an eSIM from a local provider in the country you’re visiting. 

4. Get an international phone

f you think you will make many calls or use your phone extensively while visiting another country, consider purchasing an international phone. These international mobile phones often come with reduced international roaming rates and data. 

5. Other options when traveling internationally

Besides getting a temporary data pass or swapping your SIM card, you can also mix and match other options, such as: 

• Turning off data roaming in your phone’s settings when you don’t need it. 
• Downloading maps when you have Wi-Fi or using apps like Apple or Google Maps in offline mode.
• Shutting off all non-vital apps. When apps automatically update, you are charged if they are still active.
• Deactivating texting. This stops texts from being billed as data when you're traveling aboard. 

Best phone plans for international travel

When traveling abroad, choose an unlimited data plan , which often offers the most travel-related perks. Then, depending on your needs, check out these phone plans. 

• T-Mobile : Best choice for travelers
• Verizon : TravelPass options
• AT&T : Best for travel in Latin and Central America
• Google Fi : An underrated traveling companion
• Other options : Other international phone plans to consider

Related Content

• Switch to a Smaller Mobile Provider to Cut Your Phone Bill
• 24 Best Travel Websites to Find Deals and Save You Money
• 10 Annoying Hotel Fees and How to Avoid Them
• The 10 Cheapest Countries to Visit

For the past 18+ years, Kathryn has highlighted the humanity in personal finance by shaping stories that identify the opportunities and obstacles in managing a person's finances. All the same, she’ll jump on other equally important topics if needed. Kathryn graduated with a degree in Journalism and lives in Duluth, Minnesota. She joined Kiplinger in 2023 as a contributor.

High-yield savings accounts are about to pull less of a punch. Here's a look at what to do with your savings once interest rates drop.

By Kim Clark Published 26 April 24

Waiting until 70 to claim Social Security benefits can pay off, so how do you bridge the gap between giving up your paycheck and filing for benefits?

By Ken Nuss Published 26 April 24

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Australia Post Travel Platinum Mastercard®

A prepaid travel card with 11 currencies to load from, giving you confidence when spending overseas.

• About Australia Post Travel Platinum Mastercard
• Fees & limits
• Get started
• Support & FAQs

The ideal prepaid card for overseas travel

Travel smarter with our Australia Post Travel Platinum Mastercard, a reloadable, multi-currency prepaid card that’s accepted wherever Mastercard is, worldwide 1 . Easily swipe or tap in-store, use online and withdraw money from ATMs 2 .

Load up to 11 currencies. Easily switch between USD, EUR, GBP, NZD, THB, CAD, HKD, JPY, SGD, AED and AUD on your travels.

Lock in your exchange rates. Know exactly how much you have to spend online or in-store with locked-in exchange rates 3 .

Travel safely. With no link to your bank account and Mastercard’s Zero Liability 4  protection against fraud and other unauthorised transactions. 

Total control.  Manage and load your prepaid travel money card on the go via    ‘ My Account ’ or the Australia Post Travel Platinum Mastercard app. 

24/7 global assistance. Card lost or stolen? Call for a replacement anytime. You may also be eligible for emergency funds assistance 5 .

Managing your travel money just got easier

Our Australia Post Travel Platinum Mastercard app makes managing your travel money faster and easier. Check your balance, reload in-app, track your spending and switch between currencies.

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 (PDF 248kB)  and Financial Services Guide (PDF 72kB)  before deciding to acquire the product. 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® is a registered trademark, and the circles design is a trademark of Mastercard International Incorporated.

View the Target Market Determination (PDF 88kB)  for this product.

If you click on links to Australia Post Travel Platinum Mastercard you will be leaving the Australia Post site and be directed to a third-party site to place your order and complete your purchase. Please see the terms and conditions of the third-party site for further details.

1 The ATMs and POS terminals are not owned or operated by Australia Post, the Issuer or Mastercard Prepaid Management Services and Australia Post, the Issuer and Mastercard Prepaid Management Services are not responsible for ensuring that they will accept the Card

2 Some ATM operators may charge their own fees and set their own limits.

3 Lock in your exchange 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.

4 Further information relating to Zero Liability card protection can be found at the Mastercard website .

5 T&Cs apply. Customers must contact Customer Service to report lost or stolen cards. Emergency cash can be arranged up to the balance of your Australia Post Everyday Mastercard, subject to availability of funds at the approved agent location.

For a full list of Fees & Limits, refer to the Product Disclosure Statement (PDF 258kB) .

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 (PDF 248kB)  and Financial Services Guide (PDF 72kB)  before deciding to acquire the product. 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® is a registered trademark, and the circles design is a trademark of Mastercard International Incorporated.

Travel smarter with our prepaid travel money card

Buy your Australia Post Travel Platinum Mastercard® at a participating  Post Office  or online .

Register / Activate

Register  your prepaid travel money card online.

If you purchased your card online, you’ll need to activate it.

Load your card anytime online through ' My Account ', the Australia Post Travel Platinum Mastercard® app or at any participating Post Office .

Use your card wherever Mastercard is accepted 1 .

1 The ATMs and POS terminals are not owned or operated by Australia Post, the Issuer or Mastercard Prepaid Management Services and Australia Post, the Issuer and Mastercard Prepaid Management Services are not responsible for ensuring that they will accept the Card.

More information

• Product Disclosure Statement (PDF 339kB)
• Financial Services Guide (PDF 72kB)
• Target Market Determination (PDF 88kB)

Can't find an answer below? Call Card Services on 1800 549 718  within Australia or +44 207 649 9404  internationally for help 24/7.

If you have a transaction on your card that doesn't seem right, download the  disputed transaction form .

Frequently asked questions

Australia Post acknowledges the Traditional Custodians of the land on which we operate, live and gather as ​a team. We recognise their continuing connection ​to land, water and community. We pay respect to Elders ​past, present and emerging.

Cards, Loans & Savings

Car & home insurance, pet insurance, travel insurance, travel money card, life insurance, travel money, exchange rate calculator.

Nectar members get better rates on travel money*

Our travel money rate sale is now on

Ends 09:30am Thursday 2 May 2024. Only available on foreign currency bought online or by phone. Not available instore, on sterling, or on travel money card home delivery orders and reloads. Sale rates are calculated by reducing our margin on the rates you would otherwise get. Currency fluctuations may cause exchange rates to vary during the sale period.

• Europe - Euro (EUR)
• USA - U.S. Dollar (USD)
• United Arab Emirates - UAE Dirham (AED)
• Australia - Australian Dollar (AUD)
• Canada - Canadian Dollar (CAD)
• New Zealand - New Zealand Dollar (NZD)
• Switzerland - Swiss Franc (CHF)
• Thailand - Thai Baht (THB)
• Aland Islands - Euro (EUR)
• American Samoa - U.S. Dollar (USD)
• Andorra - Euro (EUR)
• Anguilla - East Caribbean Dollar (XCD)
• Antigua and Barbuda - East Caribbean Dollar (XCD)
• Austria - Euro (EUR)
• Bahrain - Bahraini Dinar (BHD)
• Barbados - Barbadian Dollar (BBD)
• Belgium - Euro (EUR)
• Bulgaria - Bulgarian Lev (BGN)
• Chile - Chilean Peso (CLP)
• China - Chinese Renminbi (CNY)
• Cook Islands - New Zealand Dollar (NZD)
• Costa Rica - Costa Rican Colon (CRC)
• Croatia - Euro (EUR)
• Cyprus - Euro (EUR)
• Czech Republic - Czech Koruna (CZK)
• Denmark - Danish Krone (DKK)
• Dominica - East Caribbean Dollar (XCD)
• Dominican Republic - Dominican Peso (DOP)
• Ecuador - U.S. Dollar (USD)
• El Salvador - U.S. Dollar (USD)
• Estonia - Euro (EUR)
• Faroe Islands - Danish Krone (DKK)
• Fiji - Fijian Dollar (FJD)
• Finland - Euro (EUR)
• France - Euro (EUR)
• French Guiana - Euro (EUR)
• French Southern Territories - Euro (EUR)
• Greece - Euro (EUR)
• Greenland - Danish Krone (DKK)
• Grenada - East Caribbean Dollar (XCD)
• Guadeloupe - Euro (EUR)
• Guam - U.S. Dollar (USD)
• Haiti - U.S. Dollar (USD)
• Holy See (Vatican City State) - Euro (EUR)
• Hong Kong - Hong Kong Dollar (HKD)
• Hungary - Hungarian Forint (HUF)
• Iceland - Icelandic Króna (ISK)
• Indonesia - Indonesian Rupiah (IDR)
• Ireland - Euro (EUR)
• Israel - Israeli New Sheqel (ILS)
• Italy - Euro (EUR)
• Jamaica - Jamaican Dollar (JMD)
• Japan - Japanese Yen (JPY)
• Jordan - Jordanian Dinar (JOD)
• Kenya - Kenyan Shilling (KES)
• Kiribati - Australian Dollar (AUD)
• Korea, Republic of - South Korean Won (KRW)
• Kuwait - Kuwaiti Dinar (KWD)
• Liechtenstein - Swiss Franc (CHF)
• Lithuania - Euro (EUR)
• Luxembourg - Euro (EUR)
• Malaysia - Malaysian Ringgit (MYR)
• Malta - Euro (EUR)
• Marshall Islands - U.S. Dollar (USD)
• Martinique - Euro (EUR)
• Mauritius - Mauritian Rupee (MUR)
• Mayotte - Euro (EUR)
• Mexico - Mexican Peso (MXN)
• Micronesia, Federated States of - U.S. Dollar (USD)
• Monaco - Euro (EUR)
• Montenegro - Euro (EUR)
• Montserrat - East Caribbean Dollar (XCD)
• Nauru - Australian Dollar (AUD)
• Netherlands - Euro (EUR)
• Niue - New Zealand Dollar (NZD)
• Norfolk Island - Australian Dollar (AUD)
• Northern Mariana Islands - U.S. Dollar (USD)
• Norway - Norwegian Krone (NOK)
• Oman - Omani Rial (OMR)
• Palau - U.S. Dollar (USD)
• Panama - U.S. Dollar (USD)
• Philippines - Philippine Peso (PHP)
• Pitcairn - New Zealand Dollar (NZD)
• Poland - Polish Zloty (PLN)
• Portugal - Euro (EUR)
• Puerto Rico - U.S. Dollar (USD)
• Qatar - Qatari Riyal (QAR)
• Romania - Romanian Leu (RON)
• Saint Barthélemy - Euro (EUR)
• Saint Kitts and Nevis - East Caribbean Dollar (XCD)
• Saint Lucia - East Caribbean Dollar (XCD)
• Saint Martin (French part) - Euro (EUR)
• Saint Vincent and the Grenadines - East Caribbean Dollar (XCD)
• San Marino - Euro (EUR)
• Saudi Arabia - Saudi Riyal (SAR)
• Singapore - Singapore Dollar (SGD)
• Slovakia - Euro (EUR)
• Slovenia - Euro (EUR)
• South Africa - South African Rand (ZAR)
• Spain - Euro (EUR)
• Sweden - Swedish Krona (SEK)
• Taiwan - New Taiwan Dollar (TWD)
• Timor-Leste - U.S. Dollar (USD)
• Tokelau - New Zealand Dollar (NZD)
• Türkiye - Turkish New Lira (TRY)
• Turks and Caicos Islands - U.S. Dollar (USD)
• Tuvalu - Australian Dollar (AUD)
• Vietnam - Vietnamese Dong (VND)
• Virgin Islands, British - U.S. Dollar (USD)
• Virgin Islands, U.S. - U.S. Dollar (USD)
• No matches found

Exchange rates may vary depending on whether you buy instore, online or by phone.

^ Travel money cards are available on selected currencies only.

Buy travel money

Buy, exchange money and order foreign currency online, by phone, or at our bureaux.  

How to get travel money with Sainsbury’s Bank

Need holiday money? Order currency online, by phone or visit a Sainsbury’s store with a bureau today. Or get a Sainsbury’s Bank Travel Money Card for easy and secure spending overseas.  

There are various ways to buy travel money with Sainsbury’s Bank. Choose the method that’s easiest for you. 

1.    Buy currency online for home delivery.  2.    Order currency online and collect instore. 4-hour click and collect available. T&Cs apply.  3.    Buy currency via telephone. 4.    Visit one of our bureaux to buy currency in a Sainsbury’s store.  

Buy a prepaid travel money card

Our travel money card makes it safe and easy to manage and spend your holiday money.  1.     Order for collection – Collect your travel money card from your nearest Sainsbury’s Bank bureau. 2.     Order for delivery – We’ll send your travel money card straight to you. 3.     Download the app or log in online  – Check your balance, exchange between currencies, top up and manage your account.  

Where can you get foreign currency with Sainsbury’s?

Get travel money delivered to you.

Order online or by phone and we’ll mail your holiday money to you securely via special delivery. Order more than £400 of foreign currency and get free delivery.  

Collect travel money instore

Visit a store with an instore travel bureau to collect your travel money on your next weekly shop.

In a hurry? You can now order and collect Euros, US Dollars, and Travel Money Card pre-paid orders in as little as 4 hours with our click and collect travel money service^.

Click and collect currency the same day at a Sainsbury’s Bank travel money bureau when you:

• Order Euros, US Dollars, or a Travel Money Card
• Place your order on a Monday to Friday (excluding Bank Holidays), and
• Order at least 4hr before the bureau’s scheduled closure time

For orders made outside of this period, or for any other currency, you will be able to select your preferred collection date when placing your online order.   

Get your travel money card delivered to you

We’ll send your travel money card straight to you, with your PIN arriving separately for security.  

Visit one of our bureaux 

We have stores with instore travel bureaux across the UK where you can pick up holiday money on the day.  

Why use Sainsbury’s Bank for foreign currency

• Wide range of currencies, including USD and EUR We offer over 50 different foreign currencies, so it’s easy to get the holiday money you need.
• Nectar Prices Nectar members get better exchange rates both online, on the phone and at our bureaux. See our Nectar member benefits .*
• Currency buy-back  Got holiday money left over when you get home? We’ll buy back most foreign currency, so you’re not out of pocket. 
• Pick up your travel money in one of our stores Within travel bureaux  across the UK, it’s convenient to pick up holiday money as you shop with Sainsbury’s Bank.
• Multiple ways to order and receive travel money Order online or by telephone, collect instore or receive holiday money by post – the choice is yours.
• 24/7 telephone assistance and online portal   Our team are on hand to help with your travel money card any time of the day or night, no matter where you are in the world. 
• Access to Western Union You can send an international money transfer instore with  Western Union Money Transfer® services .

Choose your foreign currency

From Euro and US Dollar to Swedish Krona and Japanese Yen, we have more than 50 foreign currencies from all over the world. 

Take a look at our most popular currencies.

Add to your travel money card to withdraw and spend on holiday.

US Dollar (USD)

Order by telephone and receive your travel money in the post.

Dirham (AED)

Order online for bureau collection or buy directly instore.

Turkish Lira (TRK)

Buy travel money at one of our bureaux de change.

Thai Baht (THB)

Order currency online and get free delivery over £400.

Canadian Dollar (CAD)

Get a travel money card instore to use on holiday in Canada.

Frequently asked questions

Are there any administration fees.

No, we don't charge any administration fees when you order currency from us.

Will I be charged for using my credit/debit card?

No, we don’t charge any extra when you buy foreign currency by card.

Some card providers may charge a cash advance fee and interest for buying currencies. Cash advance fees will not show on your travel money order, but you’ll be able to see them on your card statement. If you’re not sure, you should check with your card issuer.

There is no cash advance fee when you use a Sainsbury’s Bank Credit Card. No interest will be charged, as long as the full outstanding balance on the credit card is cleared during the current billing cycle. If a balance remains on the account at the end of the billing cycle, interest will be charged and may apply to the currency purchased.

Do I get any benefits for being a Nectar member?

Yes, you do. If you tell us your Nectar card number when you place your order, we’ll give you a better exchange rate*. Not a Nectar member? Sign up today .

When will I receive my home delivery order?

You can select a specific working day delivery date up to seven days in advance. Please note Saturday deliveries are not guaranteed. Also, if you’ve chosen a Monday delivery, Royal Mail may try to deliver on Saturday.

The earliest day you’ll be able to select for delivery is:

What are the home delivery fees?

How much money can i order online.

Orders for collection at any Sainsbury's Bank Travel Money Bureau or for home delivery are subject to a maximum value of £4,500 per person per day.

All home delivery orders are subject to a minimum value of £100** and a maximum of £2,500. There is no minimum order value for orders for collection at a Sainsbury's Bank Travel Money Bureau.

How long will my travel money card take to arrive?

We’ll send out your travel money card as soon as you order it, so it should be with you in three to five working days. You can also get a travel money card immediately at our bureaux if you need yours at short notice. 

Can I exchange unused travel money?

Yes, we can buy back your foreign currency. Just bring your unused currency back to a Sainsbury’s Bank travel money bureau and we’ll exchange it back to sterling. Please note that we can buy back notes but not coins. 

Terms and conditions

*Nectar members receive better exchange rates on single purchase transactions of all available foreign currencies. Excludes travel money card home delivery orders and online reloads. Exchange rates may vary depending on whether you buy instore, online or by phone.© You need to tell us your Nectar card number at the time of your transaction. No cash alternative is available. We reserve the right to change or cancel this offer without notice.

**You can order currency for a secure home delivery by 1pm on the day of your choice by Royal Mail (Mon- Sat). For next day delivery your order needs to be confirmed before 2pm (Mon- Fri). Please note that whilst Royal Mail make every effort to delivery on schedule, we cannot guarantee this as it is beyond our control. Highlands and Islands (including Channel Islands) are not guaranteed next day delivery. Delivery is free on all cash orders £400 or more (£4.99 for orders between £100 and £399.99). The minimum order for home delivery is £100. The delivery day quoted is dependent on the order day being a working day; if one of those days is a public holiday then additional day(s) will be added accordingly. All home delivery orders are sent via Royal Mail Special Delivery, unless we advise you otherwise, to your billing address, and a signature will be required upon delivery. A valid telephone number is required for home delivery. ^ For Euro, US Dollar and Travel Money Card only:

If you selected same-day collection your order will be available 4 hours from the initial order confirmation email received or if your order was placed before 6 am then the earliest your order will be available to collect is from 10 am. Please allow at least 4 hours for your order to be processed. Remember to check the bureau opening hours before collecting your order.

If you selected tomorrow or a future date your order will be ready from 10 am on your chosen collection date. For all other currencies

Your order will be available from 2.00 pm on your chosen collection date.

Your order should be collected within 72 hours or will be subject to cancellation. Sainsbury's Bank Travel Money Card is issued by PrePay Technologies Limited pursuant to license by Mastercard International. PrePay Technologies Limited is authorised by the Financial Conduct Authority under the Electronic Money Regulations 2011 (FRN: 900010) for the issuing of electronic money and payment instruments. Mastercard is a registered trademark, and the circles design is a trademark of Mastercard International Incorporated.  

Find more Terms & Conditions here

Nectar prices for Nectar members*

Qantas Premier Credit Card

Who is the credit provider and issuer of Qantas Premier credit cards?

Why choose a Qantas Premier credit card?

How long does the application process take?

Can I transfer a balance from another credit card?

Who can apply for a Qantas Premier credit card?

Can I add an additional cardholder?

What’s the difference between the Qantas Premier Everyday, the Qantas Premier Platinum and the Qantas Premier Titanium card?

Can I have a Qantas Premier Platinum, Qantas Premier Titanium and Qantas Premier Everyday card?

How do I apply for a Qantas Premier credit card?

How do I remove an additional cardholder from my account?

How do I reduce the size of an image I need to upload?

Change my product

Can I still spend on my current credit card whilst my new one arrives?

Am I eligible for any sign up bonus Qantas Points when changing Qantas Premier credit cards?

What happens to any additional cardholders that are currently on my credit card?

How long will it take for a change of Qantas Premier credit card to be processed?

What will happen to any periodic payments I have set up on my card?

What will happen to the annual fees when my product change is approved?

What happens to the benefits on my card?

How can I change my Qantas Premier credit card account?

What happens to the statements from my old credit card?

Features and rewards

What travel insurance cover is included with my card?

What is ‘Get away interest free for 6 months’?

When will I receive my Lounge Invitations?

How many Qantas Premier Titanium flights discounts do I get a year?

Where can I use my Qantas Premier credit card?

Do bonus Status Credits expire?

How can I book a flight to earn bonus Status Credits?

How do I link my Lounge Invitations to a flight?

How many Qantas Points will I earn on purchases?

When will I receive my bonus Qantas Points?

What services are provided by the Qantas Premier Concierge?

How can I view the bonus Status Credits I’ve earned on my account?

Is there an interest-free period on my account?

What extended level of coverage does my Qantas Premier Titanium credit card provide?

If I cancel my booking, am I eligible for another Qantas Premier Titanium flight discount this year?

How do I make a travel insurance claim?

How can I use my Qantas Premier Titanium metal card for contactless payments?

What flights are eligible to earn bonus Status Credits?

Can I earn bonus Status Credits on Classic Reward bookings?

Which transactions will earn Qantas Points?

Can I use Points Plus Pay to book my flights and earn bonus Status Credits?

Do bonus Status Credits count towards Lifetime Membership tiers?

How long are my Lounge Invitations active for?

How do I claim any missing bonus Status Credits?

Can bonus Status Credit help me acquire or maintain Platinum One membership status?

How can I change my booking made using my Qantas Premier Titanium flight discount?

How do I order from Qantas Wine?

How do I sign up for my complimentary Qantas Wine Premium Membership from my Qantas Premier Titanium credit card?

How do I book discounted companion fares?

Can I book a multi-city flight using my Qantas Premier Titanium flight discount?

Where can I redeem my Lounge Invitations?

Can I share my Lounge Invitations with a person I’m travelling with?

How do I book a flight with my Qantas Premier Titanium flight discount?

My flight was cancelled, and I was moved to another flight, how do I claim my missing bonus Status Credits?

Complimentary Travel Insurance

Personal Baggage, Valuables, Money and Travel Documents

Trip Cancellation and Amendment

Pre-existing Medical Conditions

Other Questions

Eligibility for Cover under the policy

Overseas Medical Expenses

Rates and fees

What interest rates apply?

What fees apply and when are they charged?

Balance Transfers

How can I get the most out of my Balance Transfer?

If I have Balance Transfers at different rates, which one does my credit card payments get applied to first?

What is a Balance Transfer?

What are the benefits of closing my other credit cards after a Balance Transfer?

How does a Balance Transfer work?

How does a Balance Transfer affect the interest charged on my account?

Managing your account

How do I report suspicious transactions?

How do I activate my card?

How can I pay bills with my card?

How do I decrease my credit limit?

How do I increase my credit limit?

How can I unsubscribe from marketing emails?

What should I do if my card is lost or stolen?

Why do I need to enter a password to access certain features?

How are my monthly repayments calculated?

How can I withdraw cash from my account?

Can I choose my own card PIN?

What format is the transactions file in?

How can I pay my credit card bill?

Where can I find my statements?

How can I manage my Qantas Premier account?

Will my replacement card have the same card number and PIN number?

How do I close my account?

How do I update my address or personal details?

How far back can I download my transactions?

How do I download my transactions?

How do I dispute a charge on my Premier credit card?

How are payments allocated if I have additional cardholders?

Cancelling a recurring payment

What is Apple Pay?

How does the Apple Pay experience compare to using my plastic card?

Which Qantas Premier products can be used with Apple Pay?

What do I need before I can start using Apple Pay?

Which devices are compatible with Apple Pay?

How do I set up my Qantas Premier card on Apple Pay?

How do I set my Qantas Premier card as the default card in Apple Pay?

Can I add the same card to more than one device using Apple Pay?

How do I remove my card from Apple Pay?

The card image I see in Apple Pay does not match my physical card. Is there an issue with my Apple Pay set up?

Can I add more than one card on Apple Pay?

Where can I use Apple Pay?

How do I make an in-store purchase with Apple Pay?

Do I need to have an active internet connection for Apple Pay to work?

Will I need to enter my card PIN?

Why was my request to add my card to Apple Pay declined?

How much of my credit card available limit can I access when using Apple Pay?

How can I reverse a transaction made using Apple Pay?

How do I return a purchase if I used Apple Pay to make the payment?

How can I keep track of purchases I’ve made with Apple Pay?

How do I dispute a purchase made with Apple Pay?

Can I use Apple Pay overseas?

Can I use Apple Pay at ATMs?

Is Apple Pay secure?

What is a Device Account Number?

What should I do if my device is lost or stolen?

Does Apple Pay have access to my credit card account?

If my device is formatted or jailbroken, will my Apple Pay information remain on it?

Will I continue to enjoy the features and benefits of my Qantas Premier credit card, including points earn, when I use it for payment with Apple Pay?

What should I do if I lose my card and I’m issued a replacement card?

What should I do if my card expires and I’m issued a renewed card?

Can I continue to use my physical card if I disable Apple Pay or remove my digital card from Apple Pay?

If I switch devices, do I need to set up my card in Apple Pay all over again?

If my device is formatted or jailbroken, will my Google Pay information remain on it?

What is Google Pay and Google Wallet?

Can I use Google Pay overseas?

Can I add more than one card to Google Wallet?

How do I make a purchase using my Qantas Premier Card in apps and websites?

How much of my credit card available limit can I access when using Google Pay?

How do I return a purchase if I used Google Pay to make the payment?

Can Additional Cardholders add their cards to Google Wallet?

Will I need to enter my card PIN with Google Pay?

How can I keep track of purchases I’ve made with Google Pay?

Can I add the same card to more than one device?

How do I remove my card from Google Wallet?

How do I make a purchase using my Qantas Premier card in-store?

Can I continue to use my physical card if I disable Google Pay or remove my digital card from Google Pay?

If I switch devices, do I need to set up my card in Google Pay again?

How do I reverse or dispute a Google Pay transaction?

Will I continue to enjoy the same features and benefits of my Qantas Premier credit card, including points earn, when I use it for payment with Google Pay?

Do I need to have an active internet connection for Google Pay to work?

Does Google Wallet or Google Pay have access to my credit card account?

What happens if there are fraudulent transactions made using Google Pay?

What should I do if I lose my card, or my card expires and I'm issued a replacement card?

What happens if my device is lost or stolen?

Why was my request to add my card to Google Wallet declined?

Whom can I talk to for further help with Google Pay?

Which Qantas Premier credit cards can be used with Google Pay?

How do I set my Qantas Premier Card as the default card in Google Wallet?

Where can I use Google Pay?

How do I set up Google Pay and add my Qantas Premier card?

Are Google Wallet and Google Pay secure?

Which devices are compatible with Google Pay?

Instalment Plans

Can I change the term of my Instalment Plan?

How will my repayments be applied to my card?

Can I have more than one Instalment Plan?

How do I make the monthly instalment repayment?

Who can create an Instalment Plan on my card?

Does an Instalment Plan earn Qantas Points?

What happens if I return a purchase that was converted into a Statement Instalment Plan?

How do instalment plan(s) appear on my statement?

How can I track my instalment plan?

Can I pay more than my monthly instalment amount?

Why am I not eligible for a Cash Instalment Plan?

Is the instalment plan amount part of my existing credit limit?

When will I be charged my first monthly instalment?

Can I pay off my instalment plan early?

Will I be able to set up a Statement Instalment Plan if I have a direct debit set up?

What is a Statement Instalment Plan?

Will an instalment plan affect my interest-free days on my purchases?

Is there a fee to set up an instalment plan?

What happens if I miss paying the initial interest charge or monthly instalment repayment by the Payment Due Date?

Open Banking

What is Open Banking?

What information can be shared with Accredited Data Recipients (ADRs)?

How does data sharing work?

Can any institution request access to my data?

Where can I find out more about the Consumer Data Right legislation?

Financial difficulty

What if I’m finding it hard to meet my Qantas Premier credit card repayments?

Loss of a loved one

How can I tell which emails are genuine?

What do I do if I receive a suspicious phone call?

How does Qantas Money protect my Qantas Premier account?

How does Qantas Money protect my financial data?

How can I protect myself online?

What are some scams I need to be aware of?

Customer Support and Complaints

Accessibility and Disability Support - Qantas Premier credit card

Managing your cash flow during COVID-19

Family and Domestic Violence

Coronavirus update

How do I lodge a complaint relating to my Qantas Premier Credit Card?

Qantas Travel Money Card

Changes to Qantas Travel Money

Why is Qantas Travel Money changing to Qantas Pay?

Does my existing Qantas Travel Money card still work?

How do I join and get a Qantas Pay card?

How do I access my Qantas Travel Money account after 21 May?

Will I still earn points with Qantas Pay?

Can I use my Qantas Travel Money card as my Qantas Frequent Flyer membership card?

Can I activate my Qantas Travel Money replacement card after 21 May?

Can I activate my Qantas Travel Money card for the first time after 21 May?

What is changing for the Qantas Frequent Flyer membership card?

How can I access my Qantas Frequent Flyer number?

How can I access and set my Qantas Pay card PIN?

Does Qantas Pay have a digital card?

What fees apply to Qantas Pay?

Can I schedule recurring currency loads from my nominated bank?

General information

Which currencies are available on Qantas Travel Money?

What is the Qantas Card and Qantas Travel Money all about?

Who's eligible for Qantas Travel Money?

Is Qantas Travel Money a credit card or a debit card?

Why does the Qantas Card have two sides?

Does this mean that Qantas is now also a bank?

What are the benefits of Qantas Travel Money?

Apply and activate

How do I apply for and activate Qantas Travel Money?

How do I enable the travel money facility on my Qantas Card?

How do I get the Qantas Card and Qantas Travel Money?

If I select to be verified against Illion (formerly Dun & Bradstreet) records will a credit check be conducted?

Can I apply for and activate Qantas Travel Money if I have a foreign passport?

How do I use Qantas Travel Money?

What if the details on the Qantas Travel Money identity verification form are incorrect?

What if I don’t have an Australian Passport or an Australian Driver’s Licence?

What do I do if I'm unable to activate Qantas Travel Money online?

What if I don't want to use Qantas Travel Money?

I’ve forgotten my Qantas Travel Money card PIN, how do I retrieve it?

What if my PIN is blocked at an ATM or in-store?

How do I get my card PIN?

Is my card PIN different to my Qantas Frequent Flyer PIN?

How do I change my PIN?

Rates, fees and limits

What exchange rate applies to Qantas Travel Money?

What fees apply to Qantas Travel Money?

What limits apply to Qantas Travel Money?

Do fees apply if I don’t have the local currency on my card?

What happens if I make a purchase in a foreign currency and I don’t have enough money in that currency on my card?

Can I arrange a back-up or secondary card?

How do I cash out remaining funds on the Qantas Travel Money card?

How do I transfer between currencies on the Qantas Travel Money card?

What is a pre-authorisation?

Does the card come with Mastercard Contactless?

Do I get a line of credit or overdraft with Qantas Travel Money?

I am a Qantas Club member and have a Qantas Club card. Do I need both cards?

How do I update my local time and time zone?

When to use

Where can I use Qantas Travel Money?

Can I use Qantas Travel Money if the local currency isn’t available?

Can Qantas Travel Money be used for Qantas in-flight duty free purchases?

Can I use Qantas Travel Money to pay for flights at qantas.com?

Using overseas

Is there anything I need to do before I go overseas?

Do I press Cheque, Savings or Credit when I make a purchase or withdraw cash using Qantas Travel Money?

Can I view my Qantas Travel Money balances at overseas ATMs?

What should I do with my card when I return from overseas?

What will happen if the local currency isn’t available to load on Qantas Travel Money?

I’d like to use Qantas Travel Money in the United States - will my card be accepted?

Should I pay in Australian dollars instead of the local currency when I’m overseas?

Are there any countries where the Qantas Travel Money Card won’t work?

Transactions

Why has a transaction declined when I have enough funds on the card to complete the purchase?

Why would an online transaction be declined if I have enough money to complete the purchase on the card?

Contact Information

Accessibility and Disability Support - Qantas Travel Money

What should I do if my card is lost, stolen or damaged?

How do I lodge a complaint relating to my Qantas Travel Money Card?

Qantas Money App

Understanding your PINs and Passwords

Can I use my fingerprint to log in?

The app doesn’t recognise my fingerprint

What if I’ve forgotten my passcode?

How do I log out?

Managing your finances

Why use the Qantas Money app?

Connecting accounts

How do I delete an account?

What does ‘pending’ mean?

I can’t see my transactions

I can’t find my bank in the list

Can I transfer money using the app?

Is it OK to enter my online banking login details?

How do I add a new account with a connected financial institution?

What type of accounts can I connect?

Why is the transaction date different to the date I made the transaction?

When are my balances and transactions updated?

Transaction categories

How are my transactions categorised?

What happens to my categories if I delete an account?

Are my categories applied to past transactions?

Notifications

What are notifications?

What kind of notifications can I set up?

How do I receive notifications?

Is there a cost for receiving notifications?

How do I set up notifications?

Can I delete or change my notifications?

Will I receive notifications if I’m not connected to the internet (e.g. Wi-Fi, 4G, etc)?

Can I view notifications I’ve previously received?

Why do I need to turn on my App Notifications settings?

Why can I see a notification in my notification history that I didn’t receive?

I’ve received a notification, but can’t see it in my history?

Can I set my own Travel Money low balance alert amount?

Why can’t I find notifications in the app?

How can I make sure that I get access to all available notifications?

What happens when new types of notifications become available?

Contact details

How do I update my contact details?

What if I notice a suspicious transaction?

Qantas Points

Missing Qantas Points?

How can I use my Qantas Points?

How do I view my Qantas Points balance?

Card Offers

Card Linking

Can I link an additional card to Card Offers?

Can I use any card that I have added to my Qantas Money App for Card offers?

Can I link another card in addition to my Qantas Premier Card?

Can I link and earn points with a debit Mastercard® or Visa® card?

Why can't I see my Card Offers on the Qantas Money website?

Why am I not receiving any/many offers?

How long will my offers be valid for?

What are the terms and conditions of the offers?

Why am I receiving offers that don't seem well matched to me?

Can I share an offer with my partner/friend etc?

Why did my friend get an offer for a specific store and I did not?

Are offers applicable to both purchases in-store and online?

What retailers are included in the program?

Earning bonus Qantas Points

Why does it take up to 15 days to receive my points?

How can I check if I have successfully earned points on an offer?

Missing Points

How do I follow up on missing points from Card Offers?

What if I forget to use my linked card, can I still earn the points?

How can I opt out of Card Offers?

All Categories ​>​ ​Qantas Money App ​ > ​ ​Contact details

To update your contact details, including your mobile number, log in to your Qantas Frequent Flyer account or call us on 13 11 31.

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Travelers are vulnerable: Here’s how to keep your money safe while traveling

Travel activity is on the rise as more Americans are on the go this year and engaging in so-called “revenge travel” to make up for trips not taken during the pandemic lockdown. By all means enjoy these trips, but also remember to stay safe — and that includes keeping your money secure while you’re out and about.

While cards are a staple for financial transactions, there may be circumstances where it’s appropriate to carry actual cash as well. Here are some tips on how to keep your money safe while you enjoy your travels.

Key cost of traveling statistics

• Travel and tourism accounted for 7.6 percent of global GDP in 2022 ( World Travel & Tourism Council )
• Attempts at digital fraud have gone up 80 percent from 2019 to 2022, as the number of digital transactions rose during the pandemic. The travel and leisure industry has been particularly hard hit, with a 117 percent rise in digital fraud attempts over this period. ( TransUnion )
• There were 440,631 reports of credit card identity theft fraud in 2022 ( Federal Trade Commission )
• Payment card fraud losses worldwide are projected to cumulate to $397 billion worldwide by 2031 ($165 billion for the U.S.), from more than $32 billion for 2021 ( Nilson Report )
• In 2021, there were about 54,000 cases of credit card fraud related to consumers on vacation ( Federal Trade Commission )
• Some pickpocketing hotspots globally (based on tourist reviews that mention pickpockets) are Barcelona, Paris and Rome ( money.co.uk )

Stick to credit cards…

One way to stay financially safe while traveling is to use credit cards . They come with zero liability protection in case your card is stolen or compromised, as well as other consumer protections. For one, you can dispute fraudulent charges and billing issues. If you use debit cards, you will have fewer protections and could find yourself on the hook for losses (though you’ll still want to keep a debit card with you for withdrawing cash at ATMs).

Different credit cards offer various travel perks (such as free lounge access, lost luggage compensation and travel insurance), so it can be a good idea to take two or more cards that align with your needs. It’s also smart to have more than one card handy in case you lose one. Cards issued by the Visa and Mastercard networks tend to have wider global acceptance than those issued by American Express and Discover.

As a safety measure, make copies of your cards to store your card information for reference in case you lose your physical cards. Don’t rely on using a mobile wallet rather than your physical cards, in case you lose your phone while traveling.

…But hold some cash, just in case

Even though it’s safer to rely primarily on credit cards, it’s still a good idea to have some cash available as a backup — and not just because it’ll come in handy if your cards are stolen. Smaller restaurants and retailers might insist on cash, and you could need cash to pay for smaller transactions with street vendors. Also, if you’re somewhere off the beaten path, cash is likely to be a more readily accepted mode of payment.

You can pick up cash before traveling by exchanging your U.S. dollars for the currency of your destination, for a fee, at a bank or credit union. At your destination, you can also get local currency at an ATM or at the airport right after your arrival (though, if you have to use an ATM, take the time to find one in a safe location).

That said, when you do carry cash, keep it safe. Opt for a money belt you can wear around your stomach, which can help you store your cash in an inconspicuous manner.

Let your bank know you’re traveling

Before heading out on your travels, notify your bank of your travel plans — especially if you’ll be traveling abroad. That way, it will know not to decline transactions that seem suspicious. You can do this over the phone, by contacting a representative or online.

Keep in mind that banks often utilize fraud prevention measures that could be triggered if they see activity on your card account that isn’t in line with your typical spending patterns. Your issuer could then suspend your account while contacting you to verify the charge, potentially putting you in a tough position while traveling.

Since you don’t want to have a card transaction declined unexpectedly and be left without any means of paying for your purchase, keep your bank informed about your travel plans. Then, when it sees any charges you make while miles away from your homebase, there shouldn’t be an issue.

Set up account alerts

While notifying your bank of your plans, see if you can sign up for credit card account alerts at the same time. When you set up purchase alerts, you’ll get text, email or push notifications whenever your card is used. Then, if your card is somehow compromised and someone uses it for an unauthorized transaction, you’ll know about it in time to take action.

If you get a notification about a transaction you don’t recognize, immediately notify your issuer so that it can look into the matter and freeze the card if necessary.

Freezing your credit may also be a good idea, so that no one can fraudulently open credit card accounts in your name while traveling. If needed, all three credit bureaus — Experian, Equifax and TransUnion — allow you to briefly thaw your credit freezes in order to apply for credit. Once the thaw period expires, your credit will be re-frozen, protecting you while you’re away.

Be on the lookout for scammers

Tourists on vacation can be an easy target for scammers, which is why it’s important to be watchful of your belongings and cash.

One popular scam is credit card skimming . This is common at gas stations and other places that have ATMs, as ATMs can be set up to capture your card information and enable scammers to use it for fraudulent transactions.

To protect yourself, prevent people nearby from seeing your personal identification number (PIN) when you enter it at the ATM. Further, don’t give your passport or credit cards as a security deposit to tour operators or others, and avoid overindulging at local bars. Doing so can cause your judgment to be compromised, allowing unscrupulous people to take advantage of you.

Pickpockets also present a hazard to unsuspecting tourists. Based on tourist reviews, popular tourist spots such as Barcelona, Paris and Rome tend to attract pickpockets looking to prey on tourists, so be careful in these types of destinations. Pickpockets may operate alone or in a team, with one person distracting you while their partner looks to take your wallet.

Be watchful when shopping with street vendors too, as they could compromise your credit card or give you incorrect change. And while most merchants are reputable, some may well team up with pickpockets and distract you while their partners ply their trade on you.

Consider getting travel insurance

You may also be wondering if travel insurance is worth it. This sort of insurance offers protection against medical emergencies, trip cancellations and lost baggage.

However, note that a number of credit cards also come with travel insurance benefits that protect you from the fallouts of canceled flights (including a potential hotel stay) or lost baggage, assuming you use the card to book your travel. Medical expenses that your health insurance won’t pick up could also be covered by your credit card’s travel insurance.

If you’re on an extended international trip, though, it may be a good idea to take out a separate travel insurance policy. These types of policies are available on a one-off or annual basis, and they can be used to cover any shortfalls between your card’s travel insurance and your medical insurance. Take the time to evaluate any travel insurance or card benefits you already have access to before deciding whether a standalone policy will be worthwhile.

What to do if you’re robbed abroad

As a tourist, you may be vulnerable to being robbed. Be especially careful when you’re in a crowded area, as pickpockets could sense an opportunity to take advantage of you. That said, it may not even be a physical assault that you fall victim to. You could have your card information or other sensitive personal information stolen if you use unsecured public wi-fi, use an ATM with a card skimmer or lose your cards.

To minimize the impact of an attack, don’t carry more cash than you anticipate needing for the day. Also, be careful with your mobile phone, as it contains a lot of information about you, potentially including your credit card and bank information.

In case you do end up getting robbed, immediately contact the local police station and file a report. You should also get a copy of this report for when you file an insurance claim. If your credit card is stolen, get in touch with your bank — and if it’s your passport that thieves get away with, get in touch with the nearest U.S. embassy ASAP.

If your credit card information or other personal information is compromised, it’s also a good idea to keep a watch on your credit report (assuming it hasn’t already been frozen). That way, you’ll know right away if a fraudster takes out credit in your name.

Frequently asked questions

It’s a good idea to get a money belt that is inconspicuous and stores money and other documents close to your body. You should also make a copy of your passport to store at your hotel, along with any extra cash. Take a picture of your passport to store on your phone, too.

Travel insurance typically takes care of expenses you might incur due to flight cancellations and lost baggage. It may also cover the costs incurred as a result of medical issues, depending on the type of policy you take out. Look into the specifics of any travel insurance you purchase, and keep in mind that some credit cards offer travel insurance as a benefit that could cover your needs without requiring a separate travel insurance policy.

Hotel safes are a backup place to store your money, documents and other valuables within your hotel room. On the whole, they tend to be safe. However, it’s still a good idea to do your research and select a hotel that hasn’t had complaints about stolen property, as well as having a backup plan for each item you plan to store in the safe in case it is compromised.