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Westpac travel card review 2024

If you’ve planned a trip overseas, a dedicated travel money card can be a good way to make overseas spending easy and secure. Get the right card, and it could also mean you pay less overall, too.

Westpac offers its Global Currency Card which you can top up in NZD, and then convert to any of the 9 supported currencies for easy spending and withdrawals as you travel.

This guide covers the key benefits and fees of the Westpac card. Plus, we’ll also touch on a couple of popular alternatives for travellers from New Zealand, the ANZ debit card and the Wise travel money card, so you can compare them and see which works best for you.

Westpac travel card: key features

Westpac’s Global Currency Card is available to anyone aged over 18, resident in New Zealand, and with the right paperwork to get verified. There’s no fee to get a card – you just order online, top up to the minimum opening balance, and your card is sent to your home directly. The money you’ve put on your card is yours to spend – just add whatever you need for your trip, and you can then view and manage your balance via the Westpac app.

Before we look at how the Westpac travel money card works in detail, let’s get an overview of some of the Westpac travel card pros and cons:

Who is the Westpac travel card for?

The Westpac travel money card can be helpful in a broad range of situations:

• For anyone travelling to a country which uses one of the supported currencies
• For people who shop online in the supported currencies
• For travellers who want to load funds in advance and convert to the destination currency so they know their budget ahead of time
• For anyone looking to lock in exchange rates when they’re good – just add NZD and switch when you spot a good rate

What is the Westpac travel card?

The Westpac travel card is a multi-currency Mastercard which you can use to hold 9 different currencies, and for spending anywhere you see the Mastercard logo. You’ll be able to order your card online for home delivery, and can top up in NZD and convert in advance to the supported currency you need in your destination. It’s worth knowing that you’ll need to convert your funds in advance to avoid paying the 2.95% fee for spending a currency you don’t hold in your account.

There’s no fee to make an international ATM withdrawal with your card, and you can view and manage your card account online and in the Westpac app, making budgeting a breeze.

Is the Westpac Travel Money a multi-currency card?

Yes. The Westpac card supports the following currencies for holding and exchange:

• New Zealand dollars
• Australian dollars
• Pounds sterling
• Japanese yen
• Canadian dollars
• Hong Kong dollars
• Singapore dollars

You can also spend in other currencies, but you’ll pay a 2.95% fee when you do.

Alternatives to Westpac travel card

Westpac’s travel money card is a good option, but it doesn’t support all the currencies you might need if you’re headed off the beaten track. Plus, there are some fees to consider such as the 2.95% charge if you spend in a currency you don’t hold in your account already.

To check if the Westpac Global Currency Card is right for you it’s worth comparing it to a few other options available locally, such as Wise and ANZ.

Here’s a quick overview of how these providers line up on some key features:

Information taken from Westpac travel card desktop site and fee information , Wise pricing page , ANZ money transfers and ANZ New Zealand ; correct at time of writing, 27th July 2023

The Westpac travel money card can be convenient if you’re happy to convert over funds in advance of travel, and if you’re going to a country which uses one of the 9 supported currencies for holding and exchange. However, it’s worth comparing it to other cards to see if it’s the best for your particular needs, before you sign up.

The Wise card, for example, has a couple of advantages – you can hold a broader range of currencies, and there’s no need to convert your funds in advance. You can just leave your money in NZD and let the card automatically convert to the currency you need based on where you are, with the mid-market rate and low fees from 0.43%.

Alternatively if you bank with ANZ already you can just use your normal ANZ debit card when you’re spending foreign currencies with a relatively low 1.3% foreign transaction fee.

Wise digital multi-currency accounts can hold and exchange over 40 currencies, and the Wise card can be used for spending and withdrawals in 150+ countries. Open your account online or in the Wise app, and top up in NZD or any of the other 20 or so supported top up currencies. There’s no need to convert to your destination currency in advance if you don’t want to, as the card can do this for you with the lowest available fees every time. That said, if you want to set your budget in advance, or if you spot a really good exchange rate, you can also convert and hold in any of the 40+ supported currencies, making this a good card to pick even if you’re headed to a more unusual destination.

Wise travel card review

Get your Wise travel card  

ANZ recommends customers just use their normal debit card when spending on foreign currencies. This has the advantage that there’s no extra hassle or fee to get a new card – but the drawback that you’ll be charged a foreign transaction fee every time you spend. Your spending will be converted using the network exchange rate, and the foreign transaction fee is set at 1.3% of the transaction value.

Read more about 4 best travel debit card for overseas travel

Westpac travel card fees & spending limits

As with all financial products, there are some important fees to know about when you’re thinking of ordering a Westpac travel card. Here are the key limits to bear in mind as a starting point:

*Information correct at time of writing – 27th July 2023

And here are the key Westpac fees you’ll want to consider when you’re deciding if this is the card for you.

Exchange rates

Westpac exchange rates may include a markup, margin or fee. Exactly how this works depending on the type of conversion you need to carry out.

If you’re topping up your account in a currency other than NZD, the rate used will be the Mastercard rate + a margin which you’ll be notified of at the time of top up. This is likely to apply if you need currency conversion within your account, or when you cash out too. You’ll see the full terms and conditions when you start the transaction, so you can double check the costs.

Once you have currencies in your account it’s free to spend them. However, if you’re spending in a currency other than one of the 9 supported currencies – or if you don’t have enough balance in your account in a specific currency to cover a purchase or withdrawal, a 2.95% conversion fee will apply on top of the Mastercard rate.

How to get Westpac travel card

You can apply for your Westpac travel card online. Here’s how to get a Westpac travel card, step by step:

• Open the Westpac Global Currency Card website and click Apply Now
• Follow the prompts to enter your personal and contact information
• Complete the verification step with your New Zealand passport or driving licence
• Top up at least the minimum opening balance amount
• Your card will be dispatched in 5 to 10 days, and will arrive by mail

What documents you’ll need

There’s a verification step needed when you order a Westpac travel money card. This is to keep accounts safe and comply with local and international law. Generally getting verified is very easy. In the first instance you’ll be prompted to enter information from either:

• Your New Zealand passport
• Your driving licence

Mastercard will then look to match your information with ID records. If this can’t be done – because you’ve changed your name or recently moved home for example – you can use your AA membership. If you’re still struggling with the verification process, you can email a copy of your relevant ID to Mastercard for manual verification. This should take just a couple of days.

What happens when the card expires?

Your Westpac card has 5 years validity. Once your card expires you’ll need to order a new one online, and can apply to have any residual balance moved from the old card to the new one for spending. If you don’t want to get a new card, you can also cash out the amount, minus any applicable fees.

How to use the Westpac travel card?

You can use your Westpac card anywhere you see the Mastercard logo. You’ll be able to tap to pay wherever contactless payments are supported, or use your physical card and PIN. Your card will check if you have a balance in the required currency. If you do not, your account will be debited according to a preset order of currencies, and the conversion fees will apply.

How to withdraw cash with the Westpac travel card?

Make cash withdrawals at ATMs globally that support Mastercard. You’ll need to enter your PIN to get cash, for security reasons. It’s also good to know that while there’s no Westpac fee for international ATM withdrawals, an ATM operator might charge a fee which Westpac doesn’t control. Local NZD withdrawals cost 4 NZD each.

Is the card safe?

Yes. The Westpac card is issued through Westpac and Mastercard – both large, well reputed and trustworthy providers. In fact, using a travel card can be a safe way to manage our travel money because it’s not linked to your everyday account, and you won’t need to carry lots of cash when you’re overseas, either.

How to use the Westpac travel card overseas?

Use your Westpac travel card overseas in the same way as you would any other payment card. Contactless is supported where the technology is available, or you’ll have a Westpac PIN to make POS payments and withdrawals as needed.

It’s important to remember that a fairly high fee of 2.95% applies to spend currencies you don’t hold – or if your balance in a particular currency isn’t enough to cover a transaction. Top up enough in advance and switch to your destination currency to avoid this fee.

Conclusion: Is the Westpac travel card worth it?

The Westpac Global Currency Card is a convenient option if you want a travel money card that’s distinct from your normal everyday account, and which lets you hold foreign currencies. You’ll need to order your card online, and top up in NZD before converting to the currency you need for your trip, to avoid the 2.95% conversion fee.

Compare the Westpac travel money card against alternative options like the Wise travel card and the ANZ debit card, to decide which is best for you. Wise has a broader range of currencies and offers automatic conversion at the point of payment, with low fees and the mid-market rate, while ANZ customers can spend globally with a fairly low 1.3% foreign transaction fee.

Westpac travel card review FAQ

How does the Westpac travel card work?

You can order your Westpac card online and add money in NZD before converting to the currency you need from the 9 supported currency options. You’ll then be able to spend and withdraw wherever you are. It’s free to spend in currencies you hold in your account, with a 2.95% fee to spend a currency you don’t have.

Is the Westpac travel card an international card?

Yes. The Westpac travel card can hold 9 currencies and can be used globally wherever Mastercard is accepted.

Are there any alternatives to a Westpac travel card?

Check out a few different options before you decide which travel money card suits you. The Wise card can be a good bet for frequent travellers, with 40+ supported currencies and low fees from 0.43% when you convert from one currency to another.

• Credit cards
• Personal Finance

What Is A Travel Money Card?

How does a travel money card work?

How many currencies can you load at once, other features to compare, how to get a travel money card, when is a travel money card worth it, alternative options.

A travel money card, also called a prepaid travel card, is a type of card that can hold foreign currencies. It’s intended for overseas travel, and you can use one to withdraw foreign cash from ATMs and to make purchases in a local currency. 

Think of a travel money card as a debit card that uses local currency. Before you use a travel money card, you’ll preload a set amount of a specific international currency onto the card at the day’s exchange rate. For example, if you’re travelling to Italy and France for two weeks, you’d load Euros (€‎) onto the card and use it instead of your regular debit or credit card during your trip. 

You can continue reloading money onto the card via an app or website as you spend your funds. So, if you blow through your Euros in Rome, you can top off your card’s balance before arriving in Paris. 

Understanding the value of your exchange

The value you exchange currency for will depend on when you load your funds. Rates change from day to day, but you’ll lock in the rate used at the time you exchange currency. So, you’ll know the exact worth of the foreign currency in Australian dollars every time you use your preloaded card. 

On the one hand, a locked-in rate protects you from volatile currencies with fluctuating values. However, if the rate drops, you could be stuck with devalued foreign funds. So, while you can’t predict the future, try to coordinate the load when the exchange rate is most valuable — even if that means waiting a few days. 

The number of foreign currencies available will depend on the company providing the card, but you’ll generally find a wide variety of options. Even if dozens of currencies are available, there are typically limits to the number someone can load onto a travel money card. These limits vary by card, but these cards generally only allow for about a dozen currencies at once.

For example, here are common travel money cards and the number of currencies they can support simultaneously:

• Australia Post Travel Platinum Mastercard: up to 11 currencies
• Cash Passport Platinum Mastercard (issued by Heritage Bank): load up to 11 currencies
• CommBank Travel Money Card: up to 13 currencies
• Qantas Travel Money Card: up to 10 currencies
• Travelex Money Card: up to 10 currencies
• Travel Money Oz Currency Pass Travel Money Card: up to 10 currencies
• Westpac Worldwide Wallet: up to 10 currencies. 

The number of currencies available and the ability to load multiple currencies onto one card have obvious advantages: it helps you save on fees and makes it easier to manage your money while travelling overseas .

However, there are other key features to compare when choosing a travel money card.

Another thing to look for is reduced or waived fees for loading or reloading funds, account keeping, account closing and emergency card replacements.

Be sure to check for any potential fees when accessing leftover foreign funds you didn’t use on your trip, as there may be an unloading fee or an extra charge to withdraw funds and close your account. For example, Travelex charges a $4 monthly inactivity fee when the card hasn’t been used for more than 12 months. 

Top-up options

How easy it is to use a financial product is typically important, but simplicity and convenience may feel more essential when you’re on holiday. In that case, options to quickly load or reload funds and notifications when your balance is low can be very helpful. Some cards may allow you to top up your balance immediately and with little cost. With others, you may have to wait a few days and pay a small fee.

Top-up methods also vary. For example, you can use BPAY with certain cards, but not all. Some cards may require you to use a specific app or portal. If convenience and flexible top-up options are important to you, compare options accordingly.

Perks and benefits

Travel perks, such as airport lounge access or the ability to earn rewards, are also great features to look for. Digital wallet compatibility, allowing you to use a virtual version of your card, can also be helpful.

Security and customer service

Security features are also important. Look for a card with a PIN to use at ATMs and the ability to lock the card instantly if lost or stolen.

And, since you’re travelling overseas, 24/7 customer support is essential to ensure you have access to help when you need it.

To get a travel money card , you can go through your bank, an airline, a foreign exchange retailer or a payment merchant.

Prepaid travel card eligibility is comparable to the requirements for a debit card. For example, CommBank requests that cardholders are at least age 14, are registered with NetBank, and provide a valid email and residential address. 

You can apply directly on the provider’s website once you choose your favourite prepaid travel money card. Make sure to submit your application at least a few weeks before your trip in case of delays. 

» MORE: How old do you have to get a credit card?

Activating the card

Once you receive the card: 

• download the provider’s app and familiarise yourself with how it works
• register your account
• activate the card
• convert your money to the chosen currency. You might want to start with a smaller amount for the first part of your trip and reload while overseas or make one big transfer. 

While overseas, you’ll likely alternate between paying in local cash and pulling out your travel card. Your goal is to find the best travel card that allows you to pay for items with minimal fees and maximum protections flexibly. 

Possible advantages

• Provides access to multiple currencies. Most options allow you to convert Australian dollars into several different currencies simultaneously. That means you can have secure access to a handful of foreign funds during your next multi-country adventure. 
• Saves on ATM fees. Credit card holders won’t usually be charged the standard 3% foreign transaction fee or pay extra for in-network ATM withdrawals, loading, and topping up their cards. However, these are just generalisations — each credit card company or bank will have its own fee structure.
• Exchange rates are locked. You’ll pay for the local currency using the exchange rate available when you load funds, which locks in the rate. Having dependable value for your funds goes a long way for peace of mind, especially when travelling. 
• Fewer risks when lost. Losing a prepaid card while travelling is undoubtedly a hassle. However, a lost or stolen credit card can mean more risks, like thieves potentially accessing your personal banking details and account funds. Since a lost travel money card is unlikely to result in identity theft and fraud , some travellers find it a safer choice while abroad.
• Helps with budgeting. Trying to keep to preloaded funds may help you stick to a budget while on vacation. Plus, you see the value of money in the local currency, which can help you manage your finances while travelling. 
• May come with rewards and perks. Some travel money cards earn frequent flyer points or come with other special travel perks, like overseas customer service. For example, the Qantas Travel Money Card earns Qantas points, and the Westpac Worldwide Wallet prepaid travel money card offers airport lounge access to the cardholder and one companion access when a flight is delayed. 

Potential risks

• There are delays when reloading. If you need to top up your balance, you may need to wait up to a few days before funds are available to use. 
• Other fees. Some travel money cards may levy typical credit card fees for reloading funds, emergency card replacement, account maintenance, closures, inactivity and more. For example, Travelex and the Australia Post Travel Platinum Mastercard charge a $10 account closing fee.
• Limited acceptance. Travel money cards are less common than other payment options, so you may need help using one for all purchases. So, it’s always a good idea to carry emergency cash. 
• Typically lack rewards or major perks. Travel money cards may come with some, but these extras are usually less robust than the offerings on rewards credit cards . 

The right travel money card supports a stress-free trip, but you don’t have to use one when travelling overseas — your bank card or credit card could also be a suitable option. 

If you’re deciding between a travel money card and a travel credit card , it’s important to understand the differences in how they work. 

• Travel money cards are preloaded with foreign currencies, while travel credit cards spend borrowed money. Travel money cards are generally easier to obtain as they don’t require good credit or income thresholds. With a travel money card, you can withdraw funds from an ATM without incurring interest or cash advance fees . 
• Travel credit cards don’t usually hold foreign currency but offer perks such as international buyer protections, free insurance , airport lounge access and frequent flyer travel points . 

Be sure to consider other important features — such as security, reduced fees and travel perks — to decide if a travel money card is worth it for you. 

Frequently asked questions about travel money cards  

The available currencies will depend on the card, but you’ll generally find the following options: 

• United States Dollars (USD)
• Europe Euros (EUR)
• Great British Pounds (GBP)
• Japanese Yen (JPY)
• New Zealand Dollars (NZD)
• Hong Kong Dollars (HKD)
• Canadian Dollars (CAD)
• Singapore Dollars (SGD)
• Thai Baht (THB)
• Vietnamese Dong (VND)
• Chinese Renminbi (CNY)
• Emirati Dirham (AED).

Most Australian banks — including Westpac, CommBank, ANZ and NAB — have some sort of travel product, whether that’s a travel money card, a travel-friendly debit card or a travel credit card. However, ANZ and NAB no longer offer prepaid travel money cards.

About the Author

Amanda Smith is a freelance reporter, journalist, and cultural commentator. She covers culture + society, travel, LGBTQ+, human interest, and business. Amanda has written stories about planning for retirement for…

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Westpac Global Currency Card

The Westpac Global Currency Card is a prepaid multi-currency travel card that will allow you to spend like a local when you’re travelling overseas or shopping online internationally.

✔ Manage it online, anytime ✔ Lock in exchange rates with up to 9 different currencies ~ ✔ No purchase fee, no monthly fees and no bank transfer load fees #

See how it works Get a card now

1 NZD = {{formattedRate}} {{selectedCurrency}}

Enter amount

~ The exchange rate for each Load/Reload is locked in at the prevailing exchange rate at the time of the transaction. Mastercard will notify customers via the website of the rate that will apply at the time they request the Load/Reload. # Other fees and limits apply.

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Travel money cards with the lowest fees

We look at seven travel money cards from the big banks and airlines..

Prepaid travel money cards are offered by major banks, airlines and foreign exchange retailers like Travelex. Before travelling overseas, you load money into the card account, which locks in the exchange rate for foreign currencies at that time. 

You can then use the card for purchases and cash withdrawals just like a debit or credit card, usually wherever Visa and Mastercard are accepted. 

You can reload money on-the-go via an app or website, and if the card is lost or stolen, it can be replaced (usually at no cost to you).

Prepaid travel money cards also give you assurance that you're not handing the details of your everyday banking account to merchants you're not familiar with, and they provide easy access to cash when you want some, says Peter Marshall, head of research at money comparison website Mozo .

CHOICE tip: Travel money cards are best for longer trips. They're usually not worth your while if you're only taking a short trip, as some have closure, cash out and inactivity fees.

Travel money card fees

A major difference between prepaid travel cards and debit or credit cards is their fees. Some costs aren't immediately apparent, such as hefty margins built into the exchange rates.

And although fees have come down since we looked at these cards two years ago, you still need to watch out for:

• fees to load the card – either a percentage of the total or a flat fee
• ATM withdrawal fees
• a cross currency fee or margin when you use the card in a currency you haven't preloaded
• further fees if you close the account or haven't used the card for a period of time.

Travel money card with the lowest fees and best exchange rate

Westpac worldwide wallet.

Westpac closed its Global Currency Card in July 2021 and offers its new card in partnership with Mastercard.  It's also available from Bank of Melbourne and BankSA.

Currencies: AUD, USD, NZD, EUR, GBP, SGD, THB, JPY, HKD, CAD, ZAR.

Key features:

• No loading, reloading, closing or inactivity fees.
• Free to use it in network ATMs in Australia and partner ATMs overseas in a range of countries including the UK, US and New Zealand.
• A charge applies at non-Westpac and non-partner ATMs in Australia and overseas.
• Best exchange rates for the US dollar, the Euro and GBP in our comparison.*
• The only card that lets you preload the South African rand.

Other travel money cards

Next to the Westpac Worldwide Wallet, there are six other travel money cards available.

Australia Post Travel Platinum Mastercard

Available online or at post offices.

Currencies : AUD, USD, NZD, EUR, GBP, SGD, THB, JPY, HKD, CAD, AED.

• Fee to reload the card via BPay, debit card or instore, but free via online bank transfer.
• Closure fee.
• Fees for ATM withdrawals in Australia and overseas.

Cash Passport Platinum Mastercard

It's issued by Heritage Bank and is available online and from a number of smaller banks and credit unions (like Bendigo Bank and Bank of Queensland) as well as travel agents. 

• Fee to reload with a debit card or instore, but free via BPay.

CommBank Travel Money Card

CommBank Travel Money Card (Visa)

As NAB and ANZ have closed their travel money cards, this is the only other travel money card available from a major bank. This card has the largest variety of currencies that can be preloaded.

Currencies : AUD, USD, NZD, EUR, GBP, SGD, THB, JPY, HKD, CAD, AED, VND, CNY.

• Fee if you make a purchase with currencies not preloaded.
• Fee for withdrawals at overseas ATMs.

Qantas Travel Money Card

Qantas Travel Money Card (Mastercard)

The only travel money card offering from an airline. It can be added as a feature to your Qantas Frequent Flyer card, so you don't need a dedicated card, and you can earn points using it.

• Free to reload via bank transfer or BPay, but there's a reload fee if using debit card.

Travelex Money Card

Travelex Money Card (Mastercard)

Travelex is an international foreign exchange retailer. In Australia, it operates more than 140 stores at major airports and shopping centres, across CBDs and in the suburbs. It was the card with the best exchange rate for New Zealand dollars.*

Currencies : AUD, USD, NZD, EUR, GBP, SGD, THB, JPY, HKD, CAD.

Fees : 

• Load fee instore, but free via Travelex website or app.
• Reload fee instore or via BPay, but free via Travelex website or app.
• Closure fee and monthly inactivity fee (if not used for 12 months).

Travel Money Oz Currency Pass

Travel Money Oz Currency Pass (Mastercard)

The Travel Money Group is owned by Flight Centre and is a foreign exchange retailer. 

• Reloading the card via an online bank transfer or instore is free, but there's a fee if you reload via BPay, debit card or credit card. 
• Cash out (closure) fee. 

Travel money card tips

• Make sure the card allows the currencies you'll need, and also consider stopovers. For example, the South African rand is only supported by the Westpac card.
• Try to load your card with the right currencies and amounts on days with good exchange rates. 
• Make sure you know how to reload your card if you run out of funds while overseas.
• It may be more convenient to choose a card that has an app that can be linked to your bank account.
• Avoid loading more money than you'll need as there may be fees and exchange rate margins to get the unused money back.
• Remember to cancel the card once you're finished your trip, especially if it has inactivity fees.
• Be mindful that you still may need a credit card, as travel money cards may not be accepted as security for hotels and car rental agencies. 

Stock images:  Getty, unless otherwise stated.

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To share your thoughts or ask a question, visit the CHOICE Community forum.

Editorial note: We may not cover every product in this category. For more information, see our Editorial guidelines .

Best travel money cards in 2024.

Travel money cards are essential when travelling overseas.

They allow you to easily make payments whilst travelling overseas. They make paying easier for shops, restaurants, hotels and ATMs.Travel money cards work in a similar way to ATM cards. They use a pin when you purchase goods or services overseas.

In this guide, we have compared travel money cards to help you make the best selection for your next trip.

Best Travel Money Cards:

• Wise Travel Card Best Exchange Rates
• Revolut Best for Low Fees
• Travelex Money Card Best All Rounder
• Bankwest Breeze Platinum Best Travel Credit Card
• Pelikin Student Traveller Card Best Student Card
• HSBC Everyday Global Travel Card Best Travel Card by Bank
• Qantas Travel Money Card Best Reward Benefits

Wise Travel Card - Great Exchange Rates

• 40+ currencies available
• Best exchange rates globally
• One of the lowest conversion fee on the market
• No international transaction fees
• No annual or monthly fees
• Extremely low costs to send money overseas

Wise Travel Card

• Cross currency conversion fees are between 0.24–3.69%. AUD to USD, EUR or GBP was 0.42%, which is one of the lowest on the market
• Free cash withdrawals up to $350 every 30 days. However after that, Wise charge a fixed fee of $1.50 per transaction + 1.75%
• Daily ATM withdrawal is $2,700
• Issue up to 3 virtual cards for temporary usage
• It takes between 7 to 14 business days to receive your card
• Can be used wherever MasterCard is accepted

The Wise Travel Card is great for frequent travellers as it offers over 40 currencies at the inter-market exchange rate, which is the cheapest rate globally. In addition you can buy goods online from overseas with no transaction fee plus get the best exchange rate. However if you use ATMs frequently this is not the card to use due to the fees. Finally Wise Travel Card lets you transfer money to an overseas bank account with extremely low fees and the best exchange rate.

Our Wise Travel Card Review

Revolut - Low Fees

• 30+ currencies available
• One of the best exchange rates globally
• No annual or monthly fees for standard membership
• No initial card fee
• Instant access to a range of cryptocurrencies

Read our Revolut Card Review

Revolut Travel Card

• No fee ATM withdrawals up to A$350, or 5 ATM withdrawals, whichever comes first, per rolling 30 day period and 2% of withdrawal amount (minimum charge of A$1.50) after that
• Exchanging currency on the weekend can incur a 1% mark-up fee
• Fees on international money transfers were introduced in April 2021.
• Can be used wherever Visa is accepted

The Revolut Travel Card is a decent option for those who travel a lot as it offers over 30 currencies at a great exchange rate, which is the cheapest rate globally. However if you exchange currency on the weekend you can incur a one-percent mark-up fee. In addition they have introduced fees for international transfers. Finally if you use ATMs frequently this is not the card to use due to the fees.

Travelex Money Card - Best All Rounder

Best features.

• Unlimited free ATM withdrawals
• 24/7 Emergency Assistance
• Initial and replacement card are free
• Lock in up to 10 currencies

Read our Travelex Travel Card Review

Travelex Money Card

• Minimum load of $100 and maximum load of $100,000
• Can be used wherever Mastercard is accepted
• Fees include a $10 closure fee, $5 for an additional card and $4 inactivity monthly fee.
• While Travelex don't charge ATM fees, some ATM operators may charge their own fees.
• Currencies that can be loaded are AU$, US$, EU€, GB£, NZ$, TH฿, CA$, HK$, JP¥, SG$
• If your card is lost or stolen you can access cash in your account through Moneygram or Western Union agents, with no charge
• Boingo hotspots offer free wifi and you can look at their number of free hotspots per country on this map

The Travelex Card is a good all rounder.

You can use it to take money out of the ATM, for merchant purchases like restaurants and even for online shopping in foreign currency. While the exchange rates aren't as good as the Wise or Revolut Card abroad , the support network if the card is lost or stolen is very good.

Bankwest Breeze Platinum Credit Card - Lowest Interest Rate

• Lowest interest rate at 9.90%
• No international transaction fees on purchases
• 0% p.a. on purchases and balance transfers for the first 15 months
• Up to 55 days interest free on purchases
• Low annual fee
• Complimentary international travel insurance

Bankwest Breeze Platinum Credit Card

• Free annual fee first year, then $69 annual fee
• 55 interest free days
• Free international travel insurance that includes the basics but does not cover cancellation costs, pre existing conditions and travellers over 80
• $6,000 minimum credit card
• 0% p.a. on purchases and balance transfers for the first 15 months, then reverts to 9.90%
• 21.99% interest rate on purchases and cash advances
• Cash advance fee of the higher of $4 or 2% of cash advance

The Bankwest Breeze Platinum is a great no frills credit card that offers ‘no foreign transaction fees’ and the lowest interest rate on the market, at 9.90%. These two factors alone will save you hundreds of dollars when travelling overseas.

In addition it has a low annual fee and complimentary international travel insurance. Finally for its price point it is a great value credit card that will be accepted most places around the world.

HSBC Everyday Global Debit Card

• No initial card or closure fees
• No monthly or account fees
• No international ATM fees
• No cross currency conversion fees
• Lock in very competitive exchange rates before travel
• No maximum balance
• Earn 2% cashback

• 10 Currencies can be loaded are AUD, USD, GBP, EUR, HKD, CAD, JPY, NZD, SGD, CNY (currency restrictions apply to CNY)
• Awarded 5 gold stars by CANSTAR in 2021 for Outstanding Value
• Very competitive exchange rates on all currencies when you have currencies already loaded on your card
• ATMs within Australia need to be HSBC and overseas they need to display a VISA or VISA Plus logo, not be be charged fees
• Earn 2% cash back when you tap and pay with Visa pay wave, Apple Pay or Google Pay for purchases under $100. With a maximum of $50 cash back per month. In addition you need to deposit $2,000 or more into your Everyday Global Account each calendar month.
• Daily maximum ATM withdrawal is $2,000
• Fraud protection covered by Visa Zero Liability

The HSBC Everyday Global Debit Card is a good option to take travelling and to spend money in Australia with no international transaction fees, international ATM fees and monthly fees. In addition there is no maximum balance on currencies held and a 2% cash back incentive when you tap and pay under $100.

Finally it is one of the only travel cards that offers Chinese Yuan. To avoid ATM fees you need to find HSBC branches in Australia and only use ATMs overseas with a VISA or VISA Plus logo.

Best Student Card

Pelikin student traveller card.

• Use promo code SMONEY10 for a $10 discount
• Up to 15% off international flights
• A globally accepted virtual student ID card
• 2% cash back on food & drinks, transport and accommodation
• Over 150,000 discounts worldwide

• $30 for 12 months
• 20+ currencies available
• Split bills, pay and get paid instantly

Pelikin is one of the only travel cards in Australia specifically for students. While it has a small annual fee, the range of discounts and offers more than make up for it.

The app is relatively easy to use and card arrives in under a week.

Best Rewards Card

Qantas travel money card.

• No monthly fees, purchase fees and currency conversion fees
• No load fees if you pay by bank transfer or BPay
• Locked in exchange rates: 4%+ margin on exchange rates
• Earn 1.5 Qantas points for every AU$1 spent in foreign currency

• 10 currencies offered USD, GBP, EUR, THB, NZD, SGD, HKD, CAD, JPY, AED
• Free Australia ATM withdrawals
• 0.5% fee debit card reload fee
• ATM fees overseas (USD 1.95; GBP 1.25; EUR 1.50; THB 70; NZD 2.50; SGD 2.50; HKD 15.00; CAD 2.00; JPY 160; AED 6.50)
• Minload of $50 and max of $20,000
• Available to 16 year olds, has a lower age restriction than most credit cards (18 year olds)

Qantas Travel card is a great option to spend foreign currency overseas if you are already a loyal Qantas customer and use your frequent flyer points regularly on flights, accommodation or gifts. The fees are low, the exchange rate is average however the ATM fees are expensive and will easily add up.

Other popular travel money cards

Aside of the Top 5 travel money cards, there are many more options to consider. These include well known brands such as the Commonwealth Bank and Travelex and less known services like Up Bank and Revolut.

Here is a rundown of their best features, fees and available currencies:

• 13 currencies available, including Vietnamese Dong and Chinese Yuan
• No issue fee, load fees, closure and card replacement fees
• Additional card offered
• Can be accessed through Commonwealth Bank app

Commonwealth Bank Travel Money Card

• $3.50 fee at ATMs overseas
• 13 currencies offered USD, GBP, EUR, THB , NZD, SGD, HKD, CAD, JPY, AED, AUD, VND & CNY
• Minload of $1 and max of $100,000
• Available to 14 year olds, has a lower age restriction than most credit cards (18 year olds)
• When you use your card for a purchase or withdrawal in a currency that is not loaded, or when they automatically transfer funds between the currencies on your card to enable the completion of the transaction at the Visa retail exchange rate plus 4%
• To transfer money between currencies or a transaction account, it will be at the bank rate which is normally 4% above the market value

The Commonwealth Bank travel money card is great if you are already a Commonwealth bank customer who banks online and knows exactly how much money in each country you want to spend. However if you need to transfer between currencies or make a purchase in a currency you don't have funds loaded, then you can get an additional expensive charge. Watch how many withdrawals at ATMs you make as well to keep the costs down.

• Exchange rates most competitive for USD, GBP and THB
• No fee on initial card or load (not BPay)
• No fee on reloads via bank transfers
• No monthly or inactivity fees
• Card is valid for 5 years

Travel Money Oz Currency Pass

• 1.1% reloading fee via Travel Money Oz Login or with debit or credit card
• 1% reloading fee for BPay
• $10 closure fee and replacement card fee
• 2.95% on withdrawals from Australian ATMs is expensive
• Roughly $3.50 on withdrawals from overseas ATMs is expensive.
• $3.99 + 5.95% fee on cross currency transactions
• 10 Currencies can be loaded are USD, EUR, GBP, NZD, CAD, HKD, JPY, SGD, THB & AUD
• Exchange rates for SGD and CAD are the least competitive
• Minload of $20 and max of $10,000
• Only 1 card per account
• According to the website they won't take online orders if you are departing within 14 days as the card can take up to 2 weeks for delivery.

The Travel Money Oz travel money card seems to be an outdated version of the Travelex or Australia Post travel card as it does not offer Global Emergency Assistance or Boingo hotspots. However exchange rates and fees are similar to Travelex, so if you are travelling to the US, UK or Thailand, this is a great card to pay for accommodation and things in shops. We would avoid using it at any ATM, to save costs.

• No ATM fees in Australia or internationally
• No minimum monthly deposit
• No account keeping fees
• Can be used in Australia as an EFTPOS card
• Available to 14 year olds and older

Macquarie Travel Card

• $2,000 daily limit for ATM withdrawals
• Simple and easy to work out costs for account
• Exchange rates are MasterCard exchange rates, which are normally 4%+ market rate.
• 90-day theft and damage protection on eligible purchases and stolen wallet protection up to $500
• Can be used in Australia to buy goods overseas and not pay international transaction fees
• Get discounts of up to 10% on eGift cards to use at over 50 leading retailers

The Macquarie Travel Card is a very good option to take overseas for ATM withdrawals as they are all free. In addition in Australia you can buy goods online and not pay an international transaction fee. Furthermore you can use the card like a normal debit card in Australia with no hefty fees or monthly minimum deposits. However the exchange rate is the MasterCard rate which is normally 4%+ above the market rate. Finally we would recommend this card for cash withdrawals at ATMs internationally but not paying for accommodation due to the added margin on the MasterCard exchange rate.

• Cheapest way to send money overseas through a bank
• UI and UX better than traditional banks making it super easy to use
• Competitive savings interest rate

Up Bank Travel Card

• Backed by Bendigo Bank and Adelaide Bank and partnered with Wise so it has financial backing and access to the cheapest exchange rates to send money overseas
• Nifty online tools to help you track spending, budget and save. These include a detailed transaction history often including a company logo, when you paid down to the minute and the suburb where the transaction was made. In addition it has a ‘Regulars feature that detects regular billers and estimate of upcoming bills so you get a heads-up before they are due
• Good savings account interest rates of 1.85% (0.10% base rate plus 1.75% bonus). Bonus interest is easily unlocked after making five successful card or digital wallet purchases each month

The Up Bank Travel Card is aimed at younger markets who are looking to save on bank costs and receive online tools to help them budget and save for their goals. It is also able to be used overseas at any ATM without fees, no international fees and is the cheapest way to send money overseas through a bank due to their partnership with Wise (the largest money transfer company in the world). In addition the exchange rates are Mastercard rates which are normally 4% above interest rates. Finally, while this card is very useful domestically and for ATMs overseas we would not recommend it for big ticket items overseas as it is an expensive card to use.

• No foreign transaction fees
• No fee on initial card, load, unload or inactivity fees
• No cross currency transactions fees
• Lock in exchange rates before you leave
• Exchange rates most competitive for USD, GBP, EUR and CAD and JPY
• No ATM fee at 50,000 Global Alliance ATMs worldwide
• Free additional card
• Flight delay pass

Westpac Travel Money Card

• 11 Currencies can be loaded are USD, EUR, GBP, NZD, CAD, HKD, JPY, SGD, THB, AUD & ZAR
• $2,000 maximum limit on ATM withdrawals overseas within 24 hours
• $50,000 maximum limit on currencies loaded on to travel card
• $3 roughly for ATMs that are not within the Non Westpac Global Alliance
• If you run out of one currency on the card, you can pay with other currencies without the expensive cross currency transaction fee
• No foreign transaction fees, initial card, load, unload or inactivity fees
• According to the Westpac it can take upto 8 business days to receive the travel card
• Secure from fraudulent transactions with Mastercard Zero Liability protection
• 2 cards per account for free

The Westpac Travel Card is a no frills handy travel card with very low fees, no foreign transaction fees, access to some free ATMs worldwide and competitive exchange rates, especially on USD, EUR, GBP, CAD and JPY. In addition it has the South African Rand (ZAR) which is not common in prepaid travel cards. Finally it has access to a flight delay pass in case your flights are delayed and you need to access airport lounges.

• Linked to ANZ Rewards program
• 7 types of insurance for free
• 55 days interest free
• Good security on card purchases

ANZ Travel Adventure Card

• 20.24% interest on purchases and cash advances
• $120 annual fee
• No international transaction fees in person or online
• Offer 7 types of insurance for free
• ANZ Reward points can be used to buy gift cards, swap for Virgin or Singapore airline points or cash into your account.
• Earn 1.5 Reward points per $1 spent on eligible purchases up to $2,000 per statement period
• ATM fees at non ANZ ATMs
• Minimum credit of $6,000

If you utilize rewards points then the ANZ Travel Adventure Card might be suitable for you. Reward points can be used to buy a wide range of gift cards, swap for Virgin or Singapore airline points or cash into your account. In addition no international transaction fees are charged for purchases online or whilst you travel overseas. Finally this card is not recommended for cash withdrawals as the interest rate of 20.24% will eat up any savings.

• No ATM fees
• Can be used in Australia with no additional costs
• No fees for paying via bank transfer or Bpay
• Transfer limits can be set by user

ING Orange Everyday Account Debit Card

• As long as you you deposit at least $1000 and make at least 5 payments each month ING will waive international transaction fees and refund overseas ATM withdrawal fees
• Can be used in all countries
• Works with Apple Pay and Google Pay
• Visa currency conversion rates apply, which are normally 4% above market

The ING Orange Everyday Account Debit Card is a good card for most Australians travelling overseas for ATM access, with no fees. It also allows you to to buy goods online without an international transaction fee.

Furthermore you can use it in Australia for free and there are no fees to get your initial card, for account keeping or to top up your card. A word of caution however, if you travel overseas for longer than 1 month, you still need to deposit at least $1,000 and make at least 5 payments each month to get the rebates.

• Initial card and replacement cards are free
• Increased protection with Mastercard Zero Liability
• Access to cash from your account through the Global Emergency Assistance, if your card is lost or stolen

Australia Post Travel Money Card - Platinum Mastercard

• 1.1% Admin fee for instore loads, including initial load
• $5 fee for reloads via debit bank card
• $10 closure fee
• $3.50 on withdrawals from overseas ATM is expensive
• Currencies that can be loaded are USD, EUR, GBP, NZD, THB, CAD, HKD, JPY, SGD , AED and AUD
• Minload of $100 and max of $100,000
• If your card is lost or stolen you can access cash that is in your account through Moneygram or Western Union agents, with no charge
• Boingo hotspots offer the free wifi and you can look at their number of free hotspots per country on this map

The Australia Post travel money card is a popular option for Australian travellers due to the convenience of stores. However we would recommend the Australia Post travel money card for paying in shops or accommodation as it is costly to withdraw cash from ATMS. As the Australia Post travel money card is fee heavy we recommend not making withdrawals at ATMs or making cross currency transactions to keep additional fees down.

• Up to 11 currencies available
• Manage your account and card online
• 24/7 global assistance
• Access to emergency cash
• Free additional card when ordered at time of purchase
• Can be used at millions of locations worldwide – wherever Mastercard purchase symbol is displayed

Greater Bank Cash Passport Platinum Mastercard

• $5 fee for reloads via debit bank card, FREE reloads via BPAY
• Admin fee of up to the greater of 1.1% of the load/reload amount or $15 for in-store purchases
• Debit card load fee 0.5% of the amount loaded, per Debit Card Load transaction
• Domestic ATM fee 2.95% of value Withdrawn
• International ATM fee USD 2.50, EUR2.50, GBP 2.00,NZD 3.50, THB80.00, CAD 3.50,HKD 18.00, JPY260.00, SGD3.50, AED 10.00, AUD 3.50
• Minimum load of AUD100 and a Maximum of AUD100,000

The Cash Passport is one of the most popular travel cards in the Australian market. With Greater Bank, you can purchase it online and at one of their branches, then download the app or use the website to manage your card. While the card may be useful for international purchases, be mindful when using an ATM both locally or overseas as the fees can add up if you are withdrawing money often.

Learn more about the Cash Passport Platinum Mastercard through Greater Bank .

The best travel card in Australia depends on its use, for ATM withdrawals it is ING Orange , for best exchange rates it is Wise Travel Card, the best credit card is Bankwest Breeze Platinum , for overall best card by a bank its HSBC Global  and the best rewards card is the Qantas Travel card .

A travel money card is safer than cash overseas and if you select a Wise travel card , it is the best exchange rate as well. Most places around the world accept MasterCard or Visa, so you should be able to pay for all your purchases by card.

Yes you can use all travel cards in Australia but you might choose not to due to the fees. ING , Macquarie , Up , Citibank are all good examples of travel money cards that do not charge for ATM withdrawals in Australia. However examples of travel money cards that charge $3.50 per Australian ATM withdrawal include Travelex , Australia Post and Travel Money Oz .

Both if you buy your cash from S Money and pay with a Wise card overseas, as they both use the exchange rate you see online and charge very low fees. However if you buy your foriegn currency at the airport, you are paying top prices so using a card is cheaper.

There are many travel money cards that no longer exist but appear in search engine page results. Travel money cards that no longer exist include 7-11 Just Go, NAB Travel Money Card, Travelex Cash Passport, Australia Post Cash Passport, ANZ Travel Card, Westpac Global Currency Card and the Virgin Velocity Global Wallet program.

Learn more about the best debit, credit and prepaid cards for travel

Best Prepaid Cards

Credit Card

More Travel Card Guides

Learn more about the best travel money cards for your holiday destination.

ASIC regulated

Like all reputable money exchanges, we are registered with AUSTRAC and regulated by the Australian Securities and Investment Commission (ASIC).

S Money complies with the relevant laws pertaining to privacy, anti-money laundering and counter-terrorism finance. This means you are required to provide I.D. when you place an order. It also means the order must be paid for by the same person ordering the currency and you must show your identification again when receiving your order.

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Travel & international.

Whether you’re moving to New Zealand or heading off overseas, here are some valuable resources.

Travel & more.

You can use your Westpac credit or debit card anywhere around the world that Mastercard® is accepted, at ATMs and directly with retailers.

Money management tips for travellers, including currency exchange, cards and cash.

Whether you're moving funds to or from New Zealand, or travelling, we can help.

Travelling overseas? Save on international transaction fees through the Westpac Global ATM Alliance.

Moving to New Zealand?

Aotearoa (New Zealand) is one of the best places in the world to live and work.

Even if you’re still overseas, you can talk to us about investing or buying a home in NZ.

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Compare Travel Money Cards - The Definitive New Zealand Guide

• If you are about to leave New Zealand and go overseas for a holiday or an OE, using a Travel Money card might be a good option. But which one offers the best deal, and what are the fees?
• Our research analysed the exchange rates offered by Travel Money Card providers for popular currencies (Euro, USD, Australian Dollar and the British Pound) and found a significant difference between Travel Money Cards by way of fees and foreign exchange rates.
• Based on our findings, the Wise Debit Card  offers the best FX rates , unrivalled security and ease of use , and has more features and currencies to choose from. In fact, it's our favourite travel card full stop.
• We don't believe there is a "runner up" as none of the other four cards available in New Zealand competes on exchange rates, fees or features. Quite simply, Wise will give you the most foreign currency for every New Zealand Dollar .
• We believe the most attractive option is Wise, with nothing else coming a close second. For this reason, we focus on Wise extensively in this guide, as we have an obligation to make the best option clear to every reader .
• Want to see how much you can save? Our video shows the difference in FX rates and fees between all five cards, and we suggest you make a quick comparison for your intended currency.
• Traditional Travel Money Cards, as a product, have had issues. Travelex was hacked in early 2020 , locking people out of their digital wallets. Then, when COVID hit, travel money cards offered by Kiwibank and Qantas were promptly discontinued. Later, Travelex was close to going bankrupt after an accounting and financial scandal .
• We see the travel money card market as being split between 'innovators' (Wise Debit Card) and 'traditional' providers (Travelex, Air New Zealand, Mastercard and Westpac).  We believe Wise to be the best product on every front; unlike traditional travel money cards, it o ffers the best rates for your NZD and doesn't charge a bunch of fees.
• ​ Travel Money Cards vs Bank-Issued Debit and Credit Cards - What's Best?
• Why Use a Travel Money Card?
• Travel Money Card Must-Know Facts
• The Best Travel Money Cards
• Travel Money Card Frequently Asked Questions

MoneyHub Founder Christopher Walsh shares his views on Travel Money Cards, and, specifically, Wise vs traditional cards:

Know this first: what is a travel money card.

• A travel money card is a prepaid card , like a Visa or MasterCard, that you load up with one or more foreign currencies. A travel money card is not a credit card, so you can only spend what you have put on the card, nor can you run up debt. A wide range of currencies can be loaded onto it, such as US dollars, Euros, British Pounds, Japanese Yen and Australian Dollars.
• Travel Money cards act like having digital currency in your wallet . For example, you buy 500 Euros, 500 British Pounds, 500 US Dollars. To spend the balance, you use the card when in the countries that use those currencies, and the amount spent is deducted. If you run out of any currency, you can use Internet banking to top up your balance. Your New Zealand dollars will be converted to the currency using the exchange rate at the time of your transaction.
• What currencies you load on the card depends on where you will travel. For traditional travel money cards, when a travel money card is topped up, the exchange rate is locked in. If the New Zealand dollar falls in value afterwards, the amount on the card is not affected. This means you know how much foreign currency you have at the start of your trip.
• While you are overseas, you can reload a travel money card using Internet banking. These cards carry either the Mastercard or Visa logos and are always accepted by cash machines and retailers with EFTPOS-type machines. This means that if a retailer accepts debit and credit cards, it will accept a travel money card.

• We continue to receive reports of issues with the Travelex Money Card. These include failed top-ups, additional and unexpected fees.
• It's important to note that in the last 2-3 years, Travelex suffered a hacking scandal (cutting out access to card balances). The parent company also went into administration in the UK , although it is operating under a new structure (for now).
• An article in the Financial Times, " How I was fleeced by Travelex " , gives further insights. It concludes with "if companies such as Travelex are persistently aggressive in fleecing their customers, there will be growing pressure for regulatory intervention — if the fintechs don’t get them first".
• We believe Wise (and their innovative  Debit Card ) is one example of Fintech innovation, and the only cost-effective and convenient travel money card available in New Zealand.
• While Travelex has more brand awareness in New Zealand , it is expensive and has not innovated in the space. In comparison, Wise is a multi-billion dollar company listed on the London Stock Exchange that champions low fees and market FX rates.
• We have extensively researched and compared this, as outlined in our foreign currency debit and credit card fees review .
• Bank-issued debit and credit cards charge a fee on the transaction value. For debit cards, this is around 2% to 2.60%, whereas credit cards are around 1.30% to 2.00%. This is much higher than Wise, which averages around 0.50% on dozens of popular currencies .
• Travel Money Cards (excluding Wise) have a margin built into the exchange rates when you top them up from NZD. We estimate this to be around 2% to 3%, which makes them as expensive or more expensive than using a debit or credit card.
• Travel money cards are safer than cash ; they are prepaid and have a PIN - you can carry one around without the need of to have large amounts of cash in your handbag or wallet.
• A Travel Money card has the advantage of being protected if your wallet is lost or stolen - cardholders simply call the provider to block the card and ask for a replacement to be mailed out or collected when they get home.
• Travel Money cards also help you budget - you can't get into debt like a credit card because the balance is prepaid. Having a debit card and a credit card as a backup is never a bad idea in case your Travel Money card doesn't work for any reason. 
• Travel Money cards let you fix the exchange rate when you load them - you know, for example, that 1,000 New Zealand dollars bought you 900 Australian dollars. This is different from debit and credit cards, which use the exchange rate at the moment the transaction is processed to convert your spending back into New Zealand dollars. 
• If you see that the New Zealand dollar is falling before you go overseas, you can buy foreign currency to protect yourself from your money being worth less when you are overseas. 

A Popular Alternative to Wise - Revolut

• Our video below explains the difference in FX rates with a real example.
• You can compare the exchange rates yourself with the providers for any currency you want to buy:
• Wise (best value overall)
• Cash Passport
• Westpac Currency Card
• Air New Zealand OneSmart (arguably one of the worst-value cards, even if you take into account the free Airpoints Dollars offering )
• Bank-issued debit and credit cards charge a fee on the transaction value. For debit cards this is around 2% to 2.60%, whereas credit cards are around 1.30% to 2.00%. This is much higher than Wise, which averages around 0.50% on dozens of popular currencies .
• Travel Money Cards (excluding Wise) have a margin built into the exchange rates when you top them up from NZD. We estimate this to be around 2% to 3%, which makes them as expensive, if not more expensive, than using a debit or credit card.

Other Travel Money Cards Available in New Zealand

Travelex money card.

OneSmart (Air New Zealand)

CashPassport (Mastercard)

Global Currency Card (Westpac)

Travelex vs wise - what you need to know:.

• We compare Travelex vs Wise in the video below, and our dedicated guide explains more .
• Our research found that  the exchange rate with Travelex is up to 5% lower  for some currencies.
• We encourage you to make your comparison in seconds on the Travelex and Wise websites.

What do I do with leftover money?

Can i withdraw cash abroad, what currencies can a travel money card hold, how long does it take to get a travel money card, can i use my travel money card in any country, who sets the exchange rate.

• Wise Debit Card vs Travelex Travel Money Card
• Wise Debit Card vs Cash Passport Travel Money Card
• Wise Debit Card vs Air New Zealand OneSmart Travel Money Card

Does money expire if I don't use it?

What is the best travel money card, can you change from one foreign currency to another by transferring the balance, i.e. if you leave the usa, can you transfer left over usd to eur or gbp, for example.

If I transfer leftover foreign currency back to my New Zealand bank account, do I get the rate I paid for it originally, or the market rate at the date of the transfer?

• Travelex Money Card vs Wise Debit Card
• The Best Travel Money Options for New Zealanders Travelling to Fiji
• Foreign Currency Debit and Credit Card Fees
• Foreign Currency Exchange
• Australia Travel Money
• Europe Travel Money
• Fiji Travel Money
• Japan Travel Money
• USA Travel Money
• ​ UK Travel Money

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Find the best credit card for you

Here are the 3 best chase balance transfer credit cards of 2024, save money with these chase credit cards that offer 0% introductory aprs on balance transfers..

Credit card interest rates are often higher than other financial products like personal loans or mortgages so it's best to pay off your credit card balance in full every month . However, that isn't always possible so many people may wind up with high-interest credit card debt. In these situations, taking advantage of a 0% balance transfer offer can reduce the interest you pay and help you pay off your credit card debt more quickly.

Chase is known for issuing some top travel credit cards , but it also has several cards that offer an intro 0% APR for balance transfers. Consider these Chase balance transfer credit cards if you're hunting for a balance transfer offer. (See our methodology for information on how we chose the best Chase balance transfer credit cards).

Best Chase balance transfer credit cards

• Best for long intro APR: Chase Slate Edge℠
• Best for cash back: Chase Freedom Unlimited®
• Best for rotating bonus categories: Chase Freedom Flex℠

Best for long intro APR

Chase slate edge℠, welcome offer.

Get an automatic review for a credit limit increase when you pay on time and spend $500 in your first six months.

0% for 18 months from account opening on purchases and balance transfers

Regular APR

20.49% - 29.24% variable

Balance transfer fee

Intro fee of either $5 or 3% of the amount of each transfer, whichever is greater, on transfers made within 60 days of account opening. After that, either $5 or 5% of the amount of each transfer, whichever is greater.

Foreign transaction fee

Credit needed.

Excellent/Good

Member FDIC. Terms apply. Information about the Chase Slate Edge℠ has been collected independently by Select and has not been reviewed or provided by the issuer of the card prior to publication.

• No annual fee
• Lower your interest rate by 2% each year: Automatically be considered for an APR reduction when you pay on time, and spend at least $1,000 on your card by your next account anniversary
• 3% foreign transaction fee
• No rewards program

Who's this for? The Chase Slate Edge℠ does one thing, and it does it well — reduce the interest you pay. Its longer-than-usual introductory APR offer makes it ideal for those seeking more time to pay off their balance.

Balance transfer offer : New cardholders are eligible for an intro 0% APR on eligible balance transfers and purchases for 18 months from account opening, then a 20.49% to 29.24% variable APR applies. This is one of the longest intro APR offers available and is especially useful since it applies to purchases, too.

An intro balance transfer fee of either $5 or 3% of the amount of each transfer (whichever is higher) applies to transfers completed in the first 60 days of account opening. After that, the balance transfer fee is $5 or 5% of the amount of each transfer (whichever is higher).

[ Jump to more details ]

Best for cash back

Chase freedom unlimited®.

Enjoy 4.5% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery services, 6.5% cash back on travel purchased through Chase Travel, our premier rewards program that lets you redeem rewards for cash back, travel, gift cards and more; and 3% cash back on all other purchases (on up to $20,000 spent in the first year). After your first year or $20,000 spent, enjoy 5% cash back on travel purchased through Chase Travel, 3% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and unlimited 1.5% cash back on all other purchases.

Welcome bonus

INTRO OFFER: Earn an additional 1.5% cash back on everything you buy (on up to $20,000 spent in the first year) - worth up to $300 cash back!

0% for the first 15 months from account opening on purchases and balance transfers

3% of each transaction in U.S. dollars

Member FDIC. Terms apply.

Read our Chase Freedom Unlimited® review.

• Rewards can be transferred to a Chase Ultimate Rewards card
• Generous welcome bonus
• 3% fee charged on foreign transactions

Who's this for? The Chase Freedom Unlimited® is geared toward those who want to earn cash back on their everyday spending and still want access to a helpful intro APR offer.

Balance transfer offer : New card members receive an intro 0% APR for purchases and balance transfer for the first 15 months, after that a variable 20.49% to 29.24% APR applies. For the first 60 days of account opening, there's an intro balance transfer fee of 3% of the amount of each transfer ($5 minimum). After that, a standard balance transfer fee of $5 or 5% of the amount of each transfer applies, whichever is greater.

Best for rotating bonus categories

Chase freedom flex℠.

5% cash back on up to $1,500 in combined purchases in bonus categories each quarter you activate (then 1%), 5% cash back on travel booked through the Chase Ultimate Rewards®, 3% on drugstore purchases and on dining (including takeout and eligible delivery services), 1% cash back on all other purchases

Earn a $200 bonus after you spend $500 on purchases in the first 3 months from account opening.

Member FDIC. Terms apply. Information about the Chase Freedom Flex℠ has been collected independently by Select and has not been reviewed or provided by the issuer of the card prior to publication.

Read our Chase Freedom Flex℠ review.

• Opportunity to earn up to 5% cash back in select categories upon activation
• Bonus categories must be activated each quarter

Who's this for? The Chase Freedom Flex℠ is a great card for anyone who enjoys squeezing the most value out of their credit card thanks to its generous rotating quarterly bonus categories.

Balance transfer offer : New cardholders can take advantage of a 0% intro APR for the first 15 months on purchases and balances transfer, then a 20.49% to 29.24% variable APR applies. An intro balance transfer fee of either $5 or 3% of the amount of each transfer applies to transfers completed in the first 60 days. After that, the standard balance transfer fee is 5% of the amount of each transfer or $5, whichever is greater.

More on our top Chase balance transfer credit cards

The Chase Slate Edge℠ is a no annual fee card with several features that can help you pay less interest, but doesn't earn rewards.

Get an automatic review for a higher credit limit when you pay on time and spend $500 in the first six months.

Notable perks

With the Chase Slate Edge , you are automatically considered for a 2% APR reduction if you pay your monthly bill on time and spend at least $1,000 on the card before your next account anniversary (terms apply). While you'll want a plan to pay off your balance transfer before the interest kicks in, this feature can help you lower your APR compared to what you might pay with other credit cards.

This card's insurance benefits include purchase protection, extended warranty protection, roadside dispatch and rental car collision and theft coverage (secondary in the U.S.).

[ Return to card summary ]

The Chase Freedom Unlimited® is one of CNBC Select's top no-annual-fee cash-back credit cards with a unique intro bonus and a handful of useful benefits to complement its cash-back earnings.

• 6.5% cash back on travel booked through Chase Travel
• 5% back on Lyft rides (through Mar. 31, 2025)
• 4.5% cash back on dining
• 4.5% cash back at drug stores
• 3% cash back on all other purchases (on up to $20,000 spent in the first year)

Earn an additional 1.5% cash back on everything you buy (on up to $20,000 spent in the first year).

Cardholders can earn 5% cash back on Lyft rides through March 2025 and enroll for three complimentary months of DashPass (activate by Dec. 31, 2024). Purchases are also covered by a range of built-in protections like rental car collision damage insurance (secondary in the U.S.), extended warranty coverage, purchase protection and trip cancellation and interruption insurance.

While this is a cash-back credit card , you can boost the value of the rewards you earn by pairing this card with a Chase card that allows points transfers (such as the Chase Sapphire Preferred® Card ). By transferring the rewards you earn to travel partners like World Hyatt, United MileagePlus and Air Canada Aeroplan, you can potentially book luxury hotels and flights for fewer points.

The Chase Freedom Flex℠ packs a punch with generous rewards in bonus categories that change every quarter and an easy-to-earn welcome bonus.

• 5% cash back on the first $1,500 spent in categories that change each quarter, then 1% cash back (activation required)
• 5% cash back on travel booked through Chase Ultimate Rewards®
• 3% cash back on dining
• 3% cash back at drug stores
• 1% cash back on all other purchases

Earn a $200 bonus after spending $500 on purchases in the first three months from account opening. 

Cardholders receive discounts and special perks with partners like Lyft and DoorDash. There are also many valuable built-in protections for a no-annual-fee card, including:

• Cell phone insurance
• Rental car insurance (secondary in the U.S.)
• Extended warranty coverage
• Purchase protection
• Trip cancellation and interruption insurance

When you have a Chase card that unlocks the ability to transfer Chase points to hotel and airline partners (like the Chase Sapphire Preferred® Card) , it increases the value of the Freedom Flex. So this isn't only a strong standalone rewards credit card , but it has synergies with other cards.

How to complete a Chase balance transfer

Chase typically charges a balance transfer fee from 3% to 5% with a $5 minimum. Before you complete a balance transfer , be sure the interest you save will outweigh the fee.

There are several ways to do a balance transfer with Chase. One of the best and easiest options is to complete a balance transfer when you apply for a card. When you do this, you'll be able to make the most out of your intro APR because any 0% interest timeframe you qualify for begins when you open the card.

If you want to perform a balance transfer with a Chase card you already have, you'll need to log in to your account and follow these steps:

• Click "Pay & Transfer"
• Then click on the "Transfer" dropdown menu
• Select "Card balance transfers"

You can then select any of your Chase cards from a dropdown menu and see what balance transfer offers are available.

Are Chase balance transfers worth it?

When you make a balance transfer, you'll generally pay a fee of 3% to 5% of the balance. To determine whether a balance transfer is worth it, calculate how much you would save in interest compared to how much you'd pay in transfer fees.

What is one disadvantage of a 0% interest balance transfer card?

Aside from the balance transfer fees, the biggest downside to a balance transfer is you'll have the same amount of credit card debt as before. If you don't have a plan, or the resources, to pay off your debt before the intro APR expires, you'll be stuck paying interest once again.

Do balance transfers hurt your credit?

A balance transfer doesn't directly hurt your credit score and could help improve your credit if you're able to pay down your debt. However, you'll want to keep in mind that your credit score will temporarily dip when you apply for new credit (including a balance transfer card).

Bottom line

The top balance transfer cards Chase issues offer intro APR periods of 15 to 18 months, and these intro APR offers also apply to purchases, making them even more useful. If you're interested in paying less interest , these are some of the best offers available. When you're in credit card debt, your primary focus should be repayment, not earning rewards, but the fact that some of the cards on this list earn rewards is a nice bonus.

Why trust CNBC Select?

At CNBC Select, our mission is to provide our readers with high-quality service journalism and comprehensive consumer advice so they can make informed decisions with their money. Every credit card   article is based on rigorous reporting by our team of expert writers and editors with extensive knowledge of credit card   products .  While CNBC Select earns a commission from affiliate partners on many offers and links, we create all our content without input from our commercial team or any outside third parties, and we pride ourselves on our journalistic standards and ethics. See  our methodology  for more information on how we choose the best Chase balance transfer credit cards.

Money matters — so make the most of it. Get expert tips, strategies, news and everything else you need to maximize your money, right to your inbox.  Sign up here .

Our methodology

To determine which Chase cards are best for balance transfers, CNBC Select analyzed the Chase credit cards with intro APR balance transfer offers. We compared each card on a range of features, including the annual fee, rewards, welcome bonus and balance transfer fee. We also considered additional perks, consumer protections, the application process when available and how easy it is to redeem rewards. However, when you're in credit card debt, your priority should be repayment, so we focused more on the cards that provide consumers with the cheapest ways to pay off their debt rather than the number of rewards they could potentially earn.

Catch up on CNBC Select's in-depth coverage of  credit cards ,  banking  and  money , and follow us on  TikTok ,  Facebook ,  Instagram  and  Twitter  to stay up to date.

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• London, United Kingdom
• Wednesday 24 April 2024 / 11:07

Mastercard Launches Mobile Virtual Card App to Simplify Travel and Business Expenses

• 18.04.2024 02:25 pm

Mastercard announced a new mobile virtual card app that enables virtual commercial cards to be seamlessly added to digital wallets. The innovative app is designed to offer financial institutions more choice in how they deliver the secure and sustainable contactless payment solutions that companies increasingly expect.  

For over a decade, Mastercard has pioneered virtual card solutions to simplify tedious expense report and reconciliation processes for employees, contractors, recruits, and consultants who often use personal cards or cash for reimbursable business expenses. As companies navigate changing payment preferences, particularly from the entry-level workforce – with over two-thirds of millennials having adopted digital wallets1 – mobile technology is unlocking the next frontier of convenient contactless payments.   

“Businesses worldwide are seeking fast and secure payment experiences, where payments can be made with just a click or tap, and finance teams can experience automatic reconciliation,” said Chad Wallace, global head of Commercial Solutions, Mastercard. “With today’s launch, we’re providing innovative tech that digitizes business and travel expenses, while also empowering businesses with more control of and visibility into their finances.”  

The app leverages Mastercard’s innovative virtual card and tokenization platforms, enhanced data, and robust spend controls all within one easy-to-use interface. Accessing Mastercard mobile virtual cards is made seamless through the app so users can quickly experience the benefits of tap to pay. Mastercard mobile virtual cards can be used by organizations spanning a range of sizes and industries – including healthcare, insurance, fleet, higher education, and corporate travel.  

Key capabilities and benefits of Mastercard’s mobile virtual card app include:  

• Increased security: The app offers the ability to set up a biometric authentication and an added security measure using a PIN to view card details. Each virtual card is also tokenized, enabling the cardholder’s sensitive data to be replaced by a unique card number so sensitive account details are not exposed.  
• Robust spend controls: Organizations can confidently stay compliant with expense policies using Mastercard’s transaction-level controls, which limit how, where, and when a mobile virtual card can be used. 
• Flexible integrations: Financial institutions can quickly get to market through Mastercard’s user interface or flexible API-based integrations, and offer unique features such as customized card art.  
• Holistic and seamless payment experience: The app provides a single interface to check the status of card balances and view pending and completed transactions, and is bank-agnostic, enabling users to access and manage virtual commercial cards issued by multiple participating financial institutions.  
• Real-time and enhanced data: For each mobile virtual card created, custom data elements are automatically captured and matched to the transaction, providing organizations with increased insights into spending and automatic reconciliation to optimize back-office processes. 

HSBC Australia and Westpac will be the first financial institutions to offer organizations and corporate customers mobile wallet functionality through the Mastercard app.   

“We’re pleased to partner with Mastercard to bring mobile wallet virtual cards to our Australian corporate clients, providing them with a smarter, safer, and faster way to pay,” said John Scott, Head of Global Payments, HSBC Australia. “Mobile wallet usage is growing, with the Asia-Pacific region accounting for over half of the digital payment transactions globally2. As contactless payments continue to surge, it’s important that corporate clients have access to best-in-class payment solutions to keep their business secure and take advantage of the increased efficiency offered by the latest technologies. HSBC has a history of delivering innovative digital solutions to our corporate clients, and we’re proud to add to that legacy with the launch of mobile wallet virtual cards in Australia. We plan to launch in other markets later this year.” 

“Westpac is pleased to be one of the first domestic banks in Australia to offer the new Mastercard mobile virtual card app to our corporate and commercial customers in addition to our existing virtual card capabilities. The global payments market is at an inflection point and the mobile wallet solution, combining digital innovation, real time processing and security through robust controls is another way we’re helping our customers,” said Jeff Byrne, Managing Director of Global Transaction Services at Westpac Institutional Bank. 

The app will be available in other key markets for users with a commercial virtual card issued through an organization by a participating financial institution. Once registered for the app with an invitation code, users will find their commercial virtual cards automatically linked and ready to be added to select digital wallets for use across Mastercard’s trusted global network.  

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Honouring our veterans this ANZAC Day

• # community

The Waiting Woman bronze sculpture at Geraldton, WA honours the 645 crew members of the HMAS Sydney who lost their lives in a sea battle in 1941. ( Getty )

As a former member of the Royal Australian Air Force, I am often asked how I feel on ANZAC Day.  It’s always a mixed bag of emotions: compassion, pride, vulnerability, and more recently “Mum-pride” as my daughter embarks on her own career in the Australian Army.  Overwhelmingly though, there is sadness remembering my loved ones who can no longer stand beside me, and profound gratitude to those who currently serve and have served before me.  I’m reminded of my visit to the HMAS Sydney memorial in Geraldton, WA.  In November 1941, 645 crew perished when HMAS Sydney was lost off the coast of Carnarvon.  There is a statue of a woman standing on the headland looking out to sea, her face lovingly and heartbreakingly hoping that a speck will appear on the horizon with her husband returning home. What struck me most was how worn the bronze was on her hand by her side.  It is smooth and shiny from all the visitors who, like me, could not help but reach out and hold it for just a moment - a beautiful, unexpected symbol of compassion.  So as we head into ANZAC Day this year, I want to share my insight on two of the common questions I get asked. The first one: “What’s the right thing to say to current/ex service men and women?” More than once I’ve been wished a “Happy ANZAC Day,” which whilst well-intentioned, is not appropriate given the sombreness of the day. A simple “thank you for your service” or “thank you” is a lovely gesture. Medals are the other topic many often have questions about. Not everyone who has served has a medal/s, and for deeply personal reasons, not everyone chooses to wear theirs. If someone is wearing a medal/s on their left breast it means they earned it, and if worn on their right then that means a deceased ancestor earned it. Many in our community have both which is an incredible testament to their family’s service.  You’d also be surprised at how often I’m asked if I am wearing my own service medal for my grandfather, father or husband.  Finally, many feel very strong emotions on this day, and we need compassion and to look after each other.  Please reach out to veterans and service men and women in your community and check in with them, have a chat, express your gratitude, and maybe even offer to share a drink. We also send our gratitude to all first responders and their loved ones, particularly given the recent tragic events at Bondi Junction. To everyone who currently has or has had loved ones serve in the military, I say “thank you” for your love and support.   To all of my colleagues who have served, and to all our incredible reservists who continue to serve, I say, “thank you for your service.”  “Lest we forget.”  

Angela Green is Head of Operational and Enterprise Risk at Westpac. She has worked in the banking and finance industry for almost three decades and prior to joining Westpac was the Chief Risk Officer of Tyro Payments. Early in her career, Angela spent eight years as a member of the Royal Australian Air Force, and is current Chair of the Westpac Military & Mates Employee Advocacy Group.

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