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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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Travel Money Card Comparison

How to find the best card for your next overseas trip.

In this guide

Travel money card comparison

What is a travel money card, the pros and cons of different options, what are the travel money card fees i should know about, how to find the best travel money card, top travel money tips, australian travel statistics, faqs about prepaid travel money cards.

Travel Money Cards

What you need to know

• The most important features to compare are the foreign transaction fees, exchange rates and usability.
• If you want to withdraw cash, a prepaid travel card or debit card will likely be cheaper than a credit card.
• It is a good idea to have several travel money options in case of loss, damage or theft.

A travel money card is a prepaid card which you can add multiple foreign currencies onto to use while you're travelling overseas. You can use it to make purchases and withdraw cash from ATMs.

Prepaid travel cards work similarly to debit cards as you can deposit a certain amount of money into the card and only spend what you've got available in the account. However, unlike a standard debit card, a prepaid travel card allows you to lock-in exchange rates before you travel.

You can also avoid some of the fees that you might be subject to if you were to use your normal bank card. Many transaction accounts have international transaction fees or other limitations, so getting a travel money card can save you money there. It can also feel safer to have a travel money card, avoiding the risk of losing your money if something were to happen to your bank card.

Westpac Choice

There is no universal best travel money card as your options vary from country to country and person to person. In saying that, some of favourable features of travel cards include:

• No additional fees: including ATM fees, reloading fees and card closure fee
• The option to lock in exchange rates before you leave
• The option to add multiple currencies onto the one card
• Digital wallet compatibility so you can add the card to Apple Pay or Google Pay
• Low or no additional cost to convert your left-over money back to AUD
• Security, including card pin

You should also consider exchange rates, conditions, limits and safety.

Here are our top travel money tips:

• Pay for your purchases in the local currency. This will help avoid any currency conversion fees.
• Keep an eye on your transactions . It's always a good idea to regularly check your transaction history to make sure there's no unauthorised transactions - and if there are, you should report them to your bank immediately.
• Always take more than one travel money option. You don't want to be left stranded if you lose your card or it gets stolen. Consider bringing 2 forms of travel cards to avoid being left cashless in a foreign country.
• Keep your travel money in a few different places. Having all your foreign cash and cards in a wallet means you'll have no backup if you lose your wallet. Instead, consider keeping some of your travel money in a separate place. For example, you could keep most of your cash in a hotel safe or a locked part of your luggage.
• Inform your bank. If you're using your regular debit or credit card, let your bank know. You wouldn't want your card to be cancelled due to a 'suspicious transaction' while you're overseas because your bank thinks you're still in Australia.

Australia is a nation of travellers. According to the Australian Bureau of Statistics, there were 8,337,080 resident returns from overseas for the year 2022 - 2023. The most popular reason we travel is for a holiday, and the median trip duration is 15 days.

How do you top up travel money cards?

You can top up your travel money card if you need more money while you're on your trip. Depending on your specific travel money card, you can reload your card online, using BPAY, through your bank's app or via your bank's branch. Look into the card you are topping up because some methods do incur fees e.g. the Qantas Travel Money Card has an instant reload fee of 0.5% while its BPAY and bank transfers are free.

Can you get your money back if you don't spend it all?

You can generally get your money back if you don't end up spending it all while overseas. However, you might encounter fees to get the remaining money back into your regular bank account.

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

The first thing you should do upon discovering that your card is missing is call your card provider. Reporting the theft or loss immediately will help protect the funds on your card.

Most of the card companies provide 24/7 customer service emergency numbers. Some even accept reverse charges, so it can be as simple as dialling the operator to connect your collect call. If you dial the number directly, you may be charged for the call.

• CommBank Travel Money Card: +61 2 9999 3283
• Cash Passport Platinum Mastercard: +44 207 649 9404
• Qantas Travel Money Card: +61 1300 825 302
• Travelex Money Card: 1800 303 297
• Revolut: +61 1300 281 208

What are the travel money card exchange rates?

Travel credit cards typically use the Mastercard or Visa network and use the daily exchange rates that the networks provide. You can find out the daily exchange rate by going to the Mastercard or Visa website. Prepaid travel cards allow you to lock in the exchange rate beforehand, so if you find a favourable one you can lock it in and not have to worry about fluctuations while you're away.

What is a cross currency conversion fee?

A cross currency conversion fee is charged when you use your Australian card with Australian dollars to make a purchase in a foreign country. The money is exchanged from Australian dollars into the local currency electronically. You can avoid this fee by choosing to pay in the local currency.

When are inactivity fees charged with prepaid travel cards?

If you have a travel card that charges an inactivity fee (a fee that's charged every month when your account is inactive for a period of time), you will lose any remaining funds on the card, but your account won't go into a negative balance. Once the card has a zero balance, this fee will not be charged.

Amy Bradney-George

Amy Bradney-George was the senior writer for credit cards at Finder, and editorial lead for Finder Green. She has over 16 years of editorial experience and has been featured in publications including ABC News, Money Magazine and The Sydney Morning Herald. See full profile

Read more on this topic

The Wise Travel Money Card supports over 40 currencies, with free loading by bank transfer and an instant, virtual card. Here’s how its other features compare.

Revolut offers virtual and physical Visa cards, support for over 30 currencies and other travel perks – plus 3-month Premium trial with this offer.

Use finder's interactive world map to learn about variations in beer prices globally. Find out where in the world you'd pay a whopping $15.10 for a pint.

Discover the travel money options available for young people and how to prepare for a trip overseas.

The Travelex Money Card lets you load and spend in 10 currencies, with fee-free ATM options and overseas Wi-Fi. Check out its other features here.

Want to avoid fees and charges when using your card overseas? This guide explains the most common pitfalls when using travel cards.

This guide explains how you can get back any leftover funds from your travel money card after your trip.

Use this guide to understand foreign currency exchange and discover how to get the best deal.

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

With Qantas Travel Money cards (previously Qantas Cash), you can carry multiple currencies using a single card and earn rewards points.

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320 Responses

When travelling from Australia to Switzerland is it best to exchange money at Australia Post from AU dollars to Swiss Franc in advance rather that change on arrival in Switzerland.

Hi Marjorie,

If you exchange your money at an airport or at a kiosk once you’ve arrived overseas, you may pay a hefty commission – it’s hard to know what charge in advance. Banks and licensed currency exchange outlets are likely to offer the best rates overseas but again, its hard to know what fees you’ll pay.

AustPost exchange is conveneint but it is not always the cheapest. Today, if you exchange $1000: – At AustPost, you’ll get CHF541.80 – The same transfer with Travelex is CHF550.80 – With Wise, you get CHF572.05

It pays to shop around and compare to find the best value.

Hope this helps!

I want a good all-rounder card, locked in FX, no maintenance charges, ATM fees , no withdrawal fees. What card is best ?

Hi Charles,

The comparison table in this guide includes details of ATM fees, load and re-load fees that can help you compare different options. For example, currently the Wise Travel Money Card and Revolut standard card both offer $0 ATM withdrawal fees for the first $350 per month, with charges for further ATM withdrawals. The Travelex Money Card also offers $0 ATM withdrawal fees.

All of these cards also let you lock in FX rates for supported currencies, but may charge fees when you’re spending in a currency that’s not loaded on the card. So it’s a good idea to consider which currencies you plan to spend, as this could have a big impact on the overall costs and help you choose a card that’s suitable for you. You can also view more details on potential costs for each card on Finder’s review pages. I hope this helps.

I am going to the Uk in 2019. Confusions is supreme. I see there is information about conversation currency fees, however on individual travel card sites they claim 0 fees. If I have a facility with my current domestic bank that charges no fees to transfer money to another facility and I use a travel card that states they have 0 fees for upload and currency conversation fee, am I correct in believing that there will be no cost to me to upload AUD to GBP. I am traveling for about 3 months and with a budget of around AUD 20,000. What cards should I consider compared to using my domestic Credit and Debit cards. I have tried using your search engine for best card for country but it is not uploading.

Thanks for getting in touch.

Sorry to hear about your confusion as to which card you would bring to the UK and apologies as well if you’re having a hard time uploading our page. Nevertheless, to help you narrow down your options, you can refer to our guide on travel money to the UK . From the page, you’d be able to compare your options for pre-paid, debit, and credit cards, and even foreign cash. Just click on the tabs to see the list. Once you have chosen a particular travel card, you may then click on the “Go to site” button and you will be redirected to the provider’s website where you can proceed with your application or get in touch with their representatives for further assistance.

With regard to the cost, usually, there’s no cost in loading AUD to the prepaid travel cards. If the currency is supported by the card, say GBP, it’s also free.

I hope this has helped.

Cheers, May

Hello, just wanted to let you know that unless I’m mistaken, the Qantas Cash card has differing information on your website. On one page it says that there is a 1% reload fee and on another that there is 0%. That said, thanks for offering unbiased easy to understand information, much obliged…

Thank you for your inquiry.

There are actually two ways to reload your Qantas Cash Card. The first option is via bank transfer or BPAY which has 0% fee and the second option through Direct Debit that charges 1% of the total amount. As a sample, this is how Direct Debit works:

If you wish to load or reload 200 AUD onto your card using Debit Card Load, you will be charged a fee of 1% of the load amount being AUD 200 x 1% = AUD 2. This means you will be required to pay AUD 202 to complete your Debit Card Load transaction.

Please also note that you may be charged other fees by third parties in relation to the Debit Card reloading transaction like the fees charged by your financial institution.

I hope this information helps.

I am traveling to South Africa and wanted to take a prepaid debit card but do not know who to contact for something like that. I talked to Travelex but they do not deal in South African currency. Any suggestions?

Thank you for contacting Finder .

Our Travel money guide to South Africa will provide you some options that may suit your needs. On the page, is a comparison table for a list of travel debit cards and prepaid travel money cards. You can use the table to help narrow down your options. Once you have selected one, you may proceed by clicking the green “Go to Site” button.

Before applying, please ensure that you read through the relevant Product Disclosure Statements/Terms and Conditions when comparing your options before making a decision on whether it is right for you. You can also contact the provider if you have specific questions.

I hope this helps.

Cheers, Danielle

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Commonwealth Bank Travel Money Card

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

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

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

Mozo snapshot

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

Key features

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

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

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

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

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

Who is it good for

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

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

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

Any catches

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

Atm withdrawal fee

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

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4 Best Travel Cards in Australia

These days, we have heaps of choices when it comes how we spend our money overseas, quickly find the best travel card in Australia.

Who has time to look through a comparison table for the best travel card in Australia? Prepaid travel cards have different features and fees, but the most important thing when choosing a card is considering how it will be used. To save you time we have compared a dozen of the most widely used travel cards and offer the following 4 travel cards:

• Wise Travel Debit Card - Best multi-currency travel debit card
• Travelex Money Card - Best overseas travel card for frequent travellers
• ANZ Travel Card - Best travel card for single trips
• Citibank Plus Everyday Accoun t - Best multi currency travel card for long trips over a month

Best multi-currency travel card

If you travel frequently, a debit card where you can hold and convert multiple currencies is what you might need.

Wise Travel Debit Card is our top choice for this - it's easy to use and you won't be charged any mark-up for converting money within your account.

Wise uses the mid-market exchange rate to convert money, no mark-up. It only adds a small fee for each transaction. You can free ATM withdrawals from more than 2 million ATMs worldwide (up to 200 GBP per month). You can use it instantly with Google Pay or Apple Pay. The Wise travel card gives you the best rate for spending in 54 different currencies .

Our verdict: Wise Travel Debit Card

Best overseas travel card for frequent travellers

If you head overseas frequently, make sure the card you use has the best exchange rates. This will make a big difference to the cost of buying currency. It's also important to avoid a card that has a reload fee.

The other fee to look out for is the cross currency conversion fee. This is particularly relevant for frequent travellers.

Cross currency conversion example: Chris loads up $5,000 US dollars but when he stops off in Thailand, the transaction goes through in Thai Baht. He can still use the US dollars on his travel card but may incur an additional fee to convert it to Thai Baht.

Our verdict: Travelex Money Card

Why? The Travelex card had the best exchange rates of the cards we compared. It also has no reload fees or cross currency conversion fees. The downside of this card is that it comes with a closure fee and an inactivity fee but both are easily avoided if you are travelling often.

Honourable mention: Commonwealth Bank Travel Money Card & Qantas Frequent Flyer Qantas Card with Qantas Cash.

Best travel card for single trips

If you plan on buying a travel card for a specific holiday, make sure you find out the set up and closure fees. The Australia Post Load and Go and Virgin Global Wallet both have $0 set up fees. But, the Global Wallet is only available to Virgin Frequent Flyer members. Recently ANZ and NAB offered to waive the set up fee, so keep up to date with any special promotions. Some travel cards also charge you a percentage of your initial load.

Most cards have a closure fee between $10 - $15. Cards without a closure fee usually have an inactivity fee which will slowly eat away at any balance left on it.

Our verdict: ANZ Travel Card

Honourable mention: Australia Post Load and Go and the Virgin Global Wallet.

Best multi currency travel card for long trips over a month

Moving overseas is a massive effort and with hundreds of things to plan and do. It's easy to overlook which card you use but it could end up costing you more than you realise.

Likewise, if you are travelling overseas for more than a month, choosing the best card can save you a small fortune.

For bigger trips or moves abroad, you want a card that offers you the interbank or wholesale exchange rate that you can see on Google, Yahoo or xe.com.

Our verdict: Citibank Plus Everyday Account

Honourable mention: 28 Degrees Platinum Credit Card

View the full list of Travel Card Reviews here.

How to compare travel cards

Having a debit card to use when you travel can be a good way to manage and keep track of your foreign currency spending - and it can make day to day life easier when you're abroad, too. Before you choose a travel debit card make sure you compare a few cards, looking at features and fees, so you'll know you're picking the right one for you. Take a look at how easy it is to get hold of a card, the available currencies, fees you're likely to run into, and the exchange rates applied. Here's a rundown of the key details for our top travel debit card picks:

Features of a travel debit card

Travel debit cards are convenient for anyone who transacts often in a foreign currency . Top up your account in dollars, and convert to the currencies you need - cards often let you hold, exchange and spend multiple currencies all in the same account. Pick the right card for you and you could save money too - here are the key features of travel debit cards:

• Save money in advance for planned travel
• Some travel debit cards let hold and convert different currencies within your account
• Spend in person, online and - in some cases - with just your smartphone
• No risk of accumulating debt or running up credit charges
• Secure - get instant transaction notifications and manage your card online
• No need to carry large amounts of cash - just withdraw at an ATM when you want to
• Check your balance instantly online or through a smartphone app

How do I use a travel card?

While different travel debit cards have slightly different features, they generally work in much the same way once you're up and running. Here's how to use your travel debit card when you travel:

• Sign up for an account with your chosen provider - this can often be done online or through an app
• Link your bank account to your travel debit card account
• Top up your travel debit card in dollars from your linked bank account
• Convert your funds to the currency - or currencies - you need
• Tap and swipe like a local when you pay at vendors

Make sure you compare currency cards

No matter what your situation, make sure you compare travel cards before making a decision.

The easiest way to do it is to check out a few travel money card reviews or use a travel card comparison table .

Is it worth getting a travel money card?

Travel money cards can be a secure and convenient way to pay for things when you travel. Finding a card which suits your needs can be well worthwhile, as you'll be able to pay and withdraw funds in a range of currencies - and often cut your costs, too.

What is a multi-currency travel card?

With a multi-currency travel card you'll be able to add money in dollars, and then convert within your account to the currency you need. This is easy to do, makes planning and budgeting simple, and can often mean you get a better exchange rate compared to converting cash. Simply use your card to spend and withdraw in a range of currencies when you travel, just as you would at home.

What if my travel debit card is lost or stolen?

If your travel debit card is lost or stolen you'll need to report it as soon as possible to the card provider. Travel debit card companies often have smartphone apps which let you cancel or freeze your card instantly from your phone - if this is available you'll want to block your card to prevent it being used fraudulently, and get in touch with the issuer to get advice on how to proceed.

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Travelling overseas or in Australia?

We cover the essentials and the little things you may not have thought of.

Prepare, pack & go

Travel money card.

• Load up to 13 foreign currencies for instant access to your cash
• Use it to withdraw cash at ATMs or over-the-counter, or to pay in-store, online or over the phone

Foreign Cash

• Over 30 currencies available to order online: Choose from more than 30 currencies, including USD, EUR, GBP, NZD and JPY. You can purchase different currencies in a single order.
• Anyone can order online: You don’t need to be a CommBank customer to order online. Order today to lock in the exchange rate and pay in AUD using BPAY.  
• Pick up your order at a local CommBank branch: Your online order will be ready for pick up in 5 business days. Choose a convenient time to pick up your order at your chosen CommBank branch.
• Need foreign cash today? CommBank customers can also visit select CommBank branches to buy or sell the following currencies: USD, EUR, GBP, NZD, JPY, CAD, SGD, HKD and CNY (subject to availability).

Travel Insurance

• For eligible credit cards

To receive cover, including Overseas Medical cover # , before you leave Australia you must:

1. Spend at least $500 in a single transaction on your prepaid travel costs using your eligible credit card; and

2. Activate your travel insurance

You will also qualify if the $500 worth of prepaid travel costs is redeemed using CommBank Awards points. You will need to provide a copy of the letter/statement/email confirming the redemption.

• For World Debit Mastercard TM

You need to activate your insurance to receive comprehensive cover. 

Overseas Medical cover, which includes overseas emergency medical assistance and hospital expenses and personal liability cover is automatically included.  

• Cover for the unexpected if things don't go to plan
• Note: There is no cover for cancellation claims related to COVID-19.

Travel further with a Travel Money Card

Lock in your exchange rate today, with up to 13 currencies on one card.

Order online

Before you leave

• Start saving by creating a budget then set a savings goal in NetBank
• Check exchange rates, order a Travel Money Card , order Foreign Cash
• Organise travel insurance  & pack your policy documents
• Need some extra holiday money? Explore our range of personal loans
• Check that the phone/device you’re taking overseas can receive SMS and has the CommBank app installed with notifications allowed
• Make sure your home and contents insurance cover is up-to-date
• Check all your card's expiry dates, withdrawal limits or credit limits
• Tell us before you go  and we’ll keep an eye out for any suspicious activity on your accounts
• Register with Smartraveller  for travel advice and emergency assistance

While you're away

• Keep your cards (plus back-up cards), cash and travel documents somewhere safe
• $0 reload fees when you  reload your Travel Money Card  in NetBank and the CommBank app
• Manage your Travel Money Card including setting a currency order
• Stick to daily transaction and credit card limits
• Pay bills online in NetBank or the CommBank app
• Schedule payments and transfer money in NetBank or the CommBank app

When you get home

• Got leftover currency? Exchange it for another currency, donate it to UNICEF , or  sell it back to us at selected CommBank branches
• Consider topping up your card if you’re travelling overseas again - it’s valid for up to two years
• Use your Travel Money Card for online overseas purchases

In an emergency

• Lock a lost or stolen card  in the CommBank app or NetBank. Unlock your card if you find it or cancel and then request a new one
• Call +61 2 9999 3283 at anytime   if you need to talk to us. 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 land line and provide them our reverse charges number +61 2 9999 3283.
• Call Cover-More 24/7 on  +61 2 8907 5641 if you’ve got travel insurance included with your card or have purchased a CBA Travel Insurance policy and want to make a claim
• What to do if your wallet is lost or stolen

Tools & support

• Tell us before you travel
• Check foreign exchange rates
• Try our savings calculator
• Make a CBA Building or Contents insurance claim
• See overseas support
• Travelling overseas: 10 step money checklist
• How to use a Travel Money Card
• Beginner’s guide to exchange rates
• Tips for travelling with a credit card

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Things you should know

Travel Money Card: If ordering online, allow at least five days for delivery. Delivery may take longer outside metropolitan areas, or due to postal delays.

If you activate an international travel insurance policy included with an eligible card or purchase a CBA Travel Insurance Policy, the insurance is provided by Zurich Australian Insurance Limited, ABN 13 000 296 640, AFS Licence Number 232507 through its agent Cover-More Insurance Services Pty Ltd ABN 95 003 114 145, AFSL 241713 (Cover-More) for Commonwealth Bank of Australia. 

# For eligible credit cards, you will need spend at least $500 in a single transaction on your prepaid travel costs (e.g. the cost of your return overseas travel ticket, prepaid accommodation, cruise, travel or tour) by charging the cost for that trip on your eligible card account before leaving Australia and activate to receive any cover, including Overseas Medical cover. You will also qualify if the $500 worth of prepaid travel costs is redeemed using CommBank Awards points.  You will need to provide a copy of the letter/statement/email confirming the redemption.

Restrictions, exclusions (including for pre-existing medical conditions and persons aged 80 years or over (for international travel insurance policy included with an eligible card) or persons aged 74 years or over (for CBA Travel Insurance), limits and excesses may apply to all insurances.

Before activating the international travel insurance included in your CommBank credit card please read the  Credit Card Insurances Product Disclosure Statement and Information Booklet  for more information.

Before activating the international travel insurance included in your World Debit Mastercard, please read the  World Debit Mastercard insurances Product Disclosure Statement and Information Booklet (PDF)  for more information.

Before making a decision on CBA Travel Insurance, refer to the relevant CBA Travel Insurance Product Disclosure Statement for full conditions. We (CBA) do not provide any advice on this insurance based on any consideration of your objectives, financial situation or needs. If you purchase a policy, we (CBA) receive a commission which is a percentage of your premium.

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