ANZ Travel Card

Rates and Fees verified correct on May 31st, 2016

The ANZ Travel Card locks in your exchange rate with 10 popular currencies to choose from. Access your funds on your next trip with the secure and convenient travel card from ANZ.

Are you travelling overseas soon? The ANZ Travel Card lets you access your funds across multiple currencies and make purchases wherever Visa is accepted. The card supports 10 foreign currencies, meaning you can spend overseas freely without attracting currency conversion fees. You’ll also receive an additional card, so you’ll have a backup in the event your card is lost, stolen or damaged. You can also manage your card on the go with the ANZ Travel Card customer portal. Here you can check your balance and transaction history, manage your different currency wallets and top up your card with funds.

If you’re travelling overseas and the currency you need is supported by the ANZ Travel Card, this could be a convenient and rewarding way to take your cash overseas.

Available CurrenciesAUD, CAD, EUR, GBP, HKD, JPY, NZD, SGD, THB, USD,
Multiple Currencies on One CardYes
Number of Cards Issued2
Minimum Load Amount$200
Maximum Load Amount$80,000
Maximum Annual Load Amount$80,000
24 Hour ATM Cash Withdrawal LimitAUD 2,500, NZD 3,000, USD 1,800, GBP 1,000, EUR 1,500, CAD 3,000 HKD 13,700, SGD 3,250, THB 77,000, JPY 205,000
24 Hour POS Transaction LimitAUD 5,000, NZD 7,000, USD 5,000, GBP 3,500, EUR 5,000, CAD 6,000, HKD 27,500, SGD 7,000, THB 155,000, JPY 410,000
Card Issue Fee$11 (will be waived to ANZ customers who apply for a new Travel Card in branch)
Initial Load Fee$0
ATM Withdrawal FeeAUD 3.50, CAD 3.00, EUR 2.20, GBP 2.00, HKD 20.00, JPY 260, NZD 4.50, SGD 4.00, THB 95, USD 2.50
Reload Fee1.1% of the value purchased
Monthly Inactivity Fee
after 12 months inactivity
Transaction Fee for Purchases$0
Balance Enquiries$0
Card Replacement Fee$35
Currency Conversion Fee3%
BPay Reload fee$1.10
Account Closing Fee$0
Available To Temporary ResidentsNo

Reloading funds & currencies 

Lock-in and access the following currencies:

  • Australian dollars (AUD)
  • US dollars (USD)
  • Euro (EUR)
  • Great British Pounds (GBP)
  • New Zealand dollars (NZD)
  • Hong Kong dollars (HKD)
  • Canadian dollars (CAD)
  • Singapore dollars (SGD)
  • Thai Baht (THB)
  • Japanese Yen (JPY)

You can reload your funds in any of the following ways.

  • BPAY payment. The reference code is your 16-digit card number. The BPAY Biller Code is displayed on the back of your travel card. Please note that it will take 3 business days for your funds to appear in your account.
  • Over the phone. You can reload your ANZ Travel Card using telephone banking, though it will take 4 business days for the funds to appear in your account.
  • In person. You can load value onto your card in person at any ANZ Branch, foreign exchange office or Australia Post retail outlet. This will take 3 business days to appear in your account.

Where can you use the ANZ Travel Card?

  • In regions that accept the supported currencies. The ANZ Travel Card allows you to lock in 10 popular currencies and exchange rates for your trip. If you use this card to spend in an area that doesn’t accept a currency you can load onto the ANZ Travel Card, you will be charged 3% currency conversion fee.
  • Wherever Visa is accepted. You can use this card wherever Visa is accepted, which is in millions of shops and ATMs around the world. You can also use the ANZ Travel Card to make online purchases.
  • Excluded sanctions. Please note that, at the time of writing, you can't use the ANZ Travel Card in Cuba, Iran Syria, Sudan, North Korea or Burma (Myanmar).
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How much will the ANZ Travel Card cost you?

Fees for using
ANZ Travel Card
Issue feeThere is a one-off card issue fee of $11 (will be waived to ANZ customers who apply for a new Travel Card in branch).
ATM withdrawalsThe following ATM fees apply AUD 3.50, CAD 3.00, EUR 2.20, GBP 2.00, HKD 20.00, JPY 260, NZD 4.50, SGD 4.00, THB 95, USD 2.50
Reload feeThere is a small fee of 1.1% of the value purchased when you top up the account with funds.
This is charged each time you reload the ANZ Travel Card.
Purchase feeUnlike other travel cards, there is no fee when you make a purchase.
Currency conversion feeYou will be charged 3% for using a currency that is not loaded on your card.
Exchange ratesWhen you load funds on your card, they'll be locked-in at the exchange rate put in place by ANZ that day.
You can see current updates of the ANZ exchange rates on the ANZ website.
Inactivity feePay $3 for every month to keep your currencies loaded after 12 months of inactivity.
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Managing your account

  • Log in, check your balance, transaction history and add new currencies. Use BPAY via internet or phone, reload at Australia Post outlets or ANZ Foreign Exchange Centre.
  • Moving currencies. You can change your currency order by contacting ANZ Travel Card Customer Service on 1800 094 003 within Australia or +613 9683 7777 when overseas.
    Currency order. The ‘stored value currency order’ refers to the order in which funds are loaded and debited from your card.  For example, If you deposit money onto the card, it will be credited to the Australian currency wallet because this is the first currency in the currency order. If you want to make a purchase in Euros, but you only have AUD and USD on the card, Australian Dollars will be debited first and then US Dollars. You can change the stored value currency order at any time on the ANZ online customer service centre. Check the default currency order below.

    Currency order

    1. Australian dollars (AUD)
    2. US dollars (USD)
    3. Great British Pounds (GBP)
    4. Euros (EUR)
    5. New Zealand dollars (NZD)
    6. Canadian dollars (CAD)
    7. Hong Kong dollars (HKD)
    8. Singapore dollars (SGD)
    9. Thai Baht (THB)
    10. Japanese Yen (JPY)
  • Leftover cash. The ANZ Travel Card will expire on the date displayed on the front of the card. You can reclaim any unused funds on the card by ATM withdrawal or electronic funds transfer.


Fraud protection. The ANZ Travel Card provides greater security with PIN technology and ANZ's Fraud Money Back Guarantee which will credit you the amount back providing you notify ANZ promptly of the fraud.

Emergency contact details. Report the lost or stolen card immediately by calling ANZ Travel Card Customer Service on 1800 094 003 within Australia or +613 9683 7777 when overseas.

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Getting your ANZ Travel Card

  1. Ordering the card. You can order an ANZ Travel Card online by following the link on this page. Complete and submit the ANZ Travel Card application forms and pick up your ANZ Travel Card from an ANZ branch or foreign exchange outlet within 5 business days. You will need to bring your identification along with you when you collect the ANZ Travel Card.
  2. Loading currency. When you order your card online, you’re required to enter the foreign currency amount you wish to purchase with the card. You can also select the order you wish the currencies to be debited when you purchase the card online.
  3. Acting your card. How you can activate your card will depend on how you purchased it:
  • Purchased online. ANZ Travel Cards that are purchased online need to be activated online before use through the ANZ Travel Card website or by calling ANZ Travel Card Customer Service.
  • Purchased in person. No activation is required if you purchased the card in person, where the card will be automatically activated the next business day after you purchase your card. You will still need to register your card through the ANZ Travel Card website to access online services such as transaction history.
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Why should you consider this card? The benefits and drawbacks explained

  • Load up to 10 foreign currencies. The ANZ Travel Card allows you to load and hold up to ten currencies on the card at the one time, including Australian dollars.
  • Free for ANZ customers. The card issue fee is waived for existing ANZ customers.
  • Currency conversion fee. This fee makes using a travel card just as expensive as using a regular credit card or debit card, so to get the full benefit from this product, only spend in the places that accepts a currency you hold on the card.
  • Reload fee. A small reload fee is charged each time you top up your ANZ Travel Card with funds.
  • Replacement fee. If you need to order a replacement card while you’re overseas, a card replacement fee of $35 is charged.
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Questions about the ANZ Travel Card

How do I use my ANZ Travel Card?

When you’re prompted to select the account you would like to use, press ‘CREDIT’. You can also use the card to make purchases online by entering the 16-digit card number and the CCV.

Can I change my PIN?

You’re automatically assigned a PIN when you get your ANZ Travel Card. You can change your PIN at any time online or by calling an ANZ customer service representative.

How do I know which currency I’m loading money to?

The currency that is first in the currency order will be credited with funds when you reload the travel card with more money. By default, this is set as Australian Dollars, however, you can change the currency order at any time by logging onto the ANZ travel money online customer service centre.

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This page was last modified on 29 April 2016 at 9:30.

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117 Responses to ANZ Travel Card

  1. Default Gravatar
    Peter | May 28, 2016

    If I return to Australia with euro still loading on my travel card, what fees will I incur if I use an anz ATM to withdraw Aust dollars from my travel card account. Also what fees will I incur if I transfer the remainer of the euros into another Anz account. Cheers

    • Staff
      Sally | May 30, 2016

      Hi Peter,

      Thanks for your question.

      If you return from your holiday with Euros on your card, you’d be better off moving those funds back to your Australian dollars currency wallet before you withdraw or transfer the funds. If you don’t, you’ll be charged a foreign currency conversion fee of 3%.

      You can either withdraw these funds in Australian dollars at an ATM when you return home or you can request that they’re returned to your nominated account by completing and submitting the Remaining Funds form. You can contact ANZ on 1800 094 003 to do this.

      I hope this has helped.



  2. Default Gravatar
    Bec | May 24, 2016

    Can I use this card in Madagascar? It’s just VISA, right?
    I have been told VISA is more commonly accepted than Mastercard in ATMs there.

    And does this card have better support than the Aus Post Load and Go? It’s had some bad reviews for emergency assistence. Do you guys provide a helpline?

    • Staff
      Sally | May 25, 2016

      Hi Bec,

      Thanks for your question.

      Just to confirm, you have come through to, not ANZ. Visa is accepted in Madagascar, so you shouldn’t have any problem withdrawing funds there. However, the Malagasy ariary isn’t a supported currency on the ANZ Travel Card, so you’ll incur a currency conversion fee of 3% every time you use your card for transactions in Madagascar.

      ANZ Travel Card do provide an emergency contact number. Their international emergency number is +613 9683 7777.

      I hope this has helped.



  3. Default Gravatar
    Andy | May 19, 2016

    Can I top up my existing Travellers card using USD (cash)?

    • Staff
      Sally | May 19, 2016

      Hi Andy,

      Thanks for your question.

      Unfortunately, you can only top up your ANZ Travel Card with Australian dollars.



  4. Default Gravatar
    gail | May 10, 2016

    How do I check balance on travel card?

    • Staff
      Sally | May 10, 2016

      Hi Gail,

      Thanks for your question.

      You can check the balance of your ANZ Travel Card by contacting 1800 094 003. You can also check your balance by conducting a balance enquiry at an ATM.

      I hope this has helped.



  5. Default Gravatar
    Lynn | May 7, 2016

    can you transfer money from your anz travel card to your anz Visa card online.

    • Staff
      Sally | May 9, 2016

      Hi Lynn,

      Thanks for your question.

      Yes, you can transfer remaining funds from your ANZ Travel Card to a nominated ANZ account.

      You can find the instructions for transferring remaining funds from your ANZ Travel Card on this page.



  6. Default Gravatar
    Rosemary | April 27, 2016

    Can I use ANZ travel card in Cuba to withdraw $CAD please?
    Some of ANZ info says their card cannot be used in Cuba, but this page seems to be saying it’s OK???

    • Staff
      Sally | April 29, 2016

      Hi Rosemary,

      Thanks for your question.

      Unfortunately, you can’t use the ANZ Travel Card in Cuba. The card also can’t be used in Iran, Syria, Sudan, North Korea or Burma (Myanmar).

      I’ve updated the ANZ Travel Card review page to communicate these terms and conditions more clearly.



  7. Default Gravatar
    r | April 10, 2016

    Would like to see previous transactions on card?

    • Staff
      Sally | April 11, 2016

      Hi RK,

      Thanks for your question.

      You can see the previous transactions on your ANZ Travel Card but logging into your online account and looking at your transaction history.

      When you visit the ANZ Travel Card website, you’ll just your user ID and password to login.

      I hope this has helped.



  8. Default Gravatar
    Josh | April 8, 2016

    Can I fast track getting the card?

    • Staff
      Sally | April 8, 2016

      Hi Josh,

      If you apply for the ANZ Travel Card in-branch, you’ll receive your card on the spot.

      Otherwise, it’ll take 5 business days for your card to arrive at your nearest ANZ branch if you order it online.

      I hope this has helped.



  9. Default Gravatar
    Darryl | April 1, 2016

    Due you have a comparison of commissions charged by the various providers of travel cards?

    • Staff
      Sally | April 5, 2016

      Hi Darryl,

      Thanks for your question.

      Just to confirm, what do you mean by the commissions charged?



    • Default Gravatar
      Alison | May 8, 2016

      Hi There
      We are going to Bali and need a visa card.Can I put USD currency on a travel card to be able to pay hotel and for the hotel to use visa as bond for rooms and tab?
      Thank you

    • Staff
      Sally | May 9, 2016

      Hi Alison,

      Thanks for your question.

      You can’t transfer USD directly on your card, but you can load Australian Dollars on the card and transfer this into USD to use in Bali. Please note that the local currency of Indonesia is the Indonesian rupiah, so you might be charged a currency conversion fee when you use USD to make transactions in Bali.

      I hope this has helped.



  10. Default Gravatar
    Mary | March 29, 2016

    What are the charges for using the ANZ Travel Card in Scandinavia loaded with Australian dollars, as you don’t have the three currencies we desire SWEDEN, NORWAY and DENMARK

    • Staff
      Sally | March 30, 2016

      Hi Mary,

      Thanks for your question.

      Just to confirm, you have come through to, not ANZ.

      However, we can confirm that if you use your ANZ Travel Card where the local currency isn’t supported on the card, you’ll be charged a currency conversion fee of 3%. You’ll also be charged the standard fees such as ATM fees and the BPAY reload fee.

      Unfortunately, no Australian travel cards currently support the currencies you’re after. If you’re looking to save on currency conversion costs, you might want to look for a card that doesn’t charge a currency conversion fee on unsupported or unloaded currencies. The Commonwealth Bank Travel Money card and Qantas Cash Card don’t charge these fees. However, it does charge others so you’ll need to compare your options before applying.

      I hope this has helped.



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