Commonwealth Bank Travel Money Card Review

Rates and Fees verified correct on July 2nd, 2016

Do you want a travel money card that lets you load multiple currencies at the same time? Look at what Commonwealth Bank has to offer.

The Commonwealth Bank Travel Money Card is a MasterCard prepaid card that lets you load up to 13 currencies at any one time. When you add funds, you get to benefit from locked-in rates.

Available CurrenciesAUD, CAD, EUR, GBP, HKD, JPY, NZD, SGD, THB, USD, VND, CNY, AED
Multiple Currencies on One CardYes
Number of Cards Issued2
Minimum Load Amount$1
Maximum Load Amount100,000
24 Hour POS Transaction Limit$1,000
Card Issue Fee$15
Initial Load Fee$0
ATM Withdrawal FeeAUD 3.50, CAD 3.00, EUR 2.20, GBP 2.00, HKD 17, JPY 220, NZD 3.50, SGD 3.50, THB 80.00, USD 2.50, VND 50000
Reload Fee$0
Transaction Fee for Purchases$0
Balance Enquiries$0
Card Replacement Fee$15
Currency Conversion Fee0%
BPay Reload fee1% of reload amount up to a maximum of AUD 15.00 or foreign currency equivalent
Account Closing Fee$0
Available To Temporary ResidentsNo

Reloading funds and currencies

You can load as many as 13 currencies onto your Travel Money Card at once. If you travel to a country and have its currency loaded, the card uses the applicable currency automatically.

Supported currencies

Here are the currencies you can load onto your Travel Money Card.

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

Currency order

A currency order applies if you draw money in a currency you haven't preloaded on the card. The default order is:

1. United States dollars (USD) 2. Euros (EUR) 3. Great British pounds (GBP) 4. Australian dollars (AUD)  5. Japanese yen (JPY)  6. New Zealand dollars (NZD) 7. Hong Kong dollars (HKD) 8. Canadian dollars (CAD) 9. Singapore dollars (SGD) 10. Thai baht (THB) 11. Vietnamese dong (VND) 12. Chinese renminbi (CNY) 13. Emirati dirham (AED)

You can change this currency order online or over the phone.

Exchange rates

Commonwealth Bank sets exchange rates for loading, reloading and closure of Travel Money Cards. The applicable rate is its retail foreign exchange rate at the time of the transaction. You’ll get a quote for the latest rate at the time of loading or reloading your card.

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Where can you use the card?

This card can be used wherever MasterCard is accepted. This means you can use your card at over 35 million locations online and in store around the world.

How much will the card cost me?

The Travel Money Card offers several fee-free services, but you have to pay fees in some situations:

Main fees associated with
Commonwealth Bank Travel Money Card
Card issue fee$15
Initial load fee$0
Reload fee$0
Transfer between currencies$0
Purchase transaction fee$0
ATM withdrawal feeA cash withdrawal fee applies, which varies depending on currency you’re withdrawing.
The fee applies in the currency you withdraw the cash. Here’s the full list:AUD 3.50, CAD 3.00, EUR 2.20, GBP 2.00, HKD 17, JPY 220, NZD 3.50, SGD 3.50, THB 80.00, USD 2.50, VND 50000
ATM balance enquiry fee$0
MS alerts fee$0
Emergency cash advance fee$0
Transfer to Commonwealth Bank transaction account fee$0
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Managing your card

Commonwealth Bank gives you several different options for ordering and managing your card.

  • Ordering your card.
    You can apply for the Travel Money Card online or by visiting any Commonwealth Bank branch. If you are an existing Gold, Platinum or Diamond Credit Card customer, a Platinum Debit MasterCard customer or a student, the bank waives the card issue fee if you apply in branch. You should receive your card via mail within six business days, at which time you can also view its details via the NetBank. Delivery outside metropolitan areas may take longer.
  • Loading funds on your card.
    You can load and reload funds onto your Travel Money Card in different ways. One option is to transfer funds from a Commonwealth Bank transaction account using online banking or by calling the Travel Money Customer Service Centre. You can add funds by visiting a Commonwealth Bank branch, using a Commonwealth Bank transaction account, cash or a credit card cash advance. Adding funds using BPAY is also an option.
  • Activating your card.
    If you apply at a branch, the bank activates your card automatically. You can set up the PINs for your primary and backup cards in branch, online or over the phone. If you apply online, you’ll have to activate the card and set up a PIN before you can use it. You can do this online using your Travel Money Card and a six digit registration code you choose when you purchase the card.
  • Online.
    The online platform gives you the ability to monitor your card’s activity from any Internet-enabled computer or smartphone. The online platform lets you change your PIN, check balances in different currencies, view transaction history, reload the card, transfer between currencies, transfer to and from Commonwealth Bank accounts, and change the currency order as well as lock and unlock your card. Reloading your card when you transfer through NetBank or the CommBank app.

Security and emergency contact details

The Travel Money card is protected by chip, PIN and signature. You’ll also be covered by 24/7 fraud monitoring. You’ll receive a complimentary additional card, meaning you’ll still have access to your cash if your card is lost or stolen.

If your card has been lost or stolen you can contact the customer service team 24 hours a day, 7 days a week on:

  • Within Australia: 1300 660 700 (local call).
  • Outside Australia: +61 2 9374 0609* (call charges apply).
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Getting your card

  • Ordering your card. You can either order your card in person or through your NetBank. If you’re a Gold, Platinum and Diamond credit card holder, a Platinum Debit MasterCard customer or a student, the purchase fee will be waived. Cards purchased through NetBank will take around five business days to arrive.
  • Activating. If you purchased your card in-store, your card will be activated on the spot and you can set up your PINs for both cards. If you ordered it through NetBank, you’ll need to contact the customer service team to activate your card and confirm your PINs.
  • Loading funds. Once you’ve received and activated your card, you can start loading funds on the card. You can load funds on your card in a few ways:
    • Online transfer. You can transfer funds from an eligible Commonwealth Bank transaction account via netbank. You’ll need to log on to NetBank, go to the ‘Transfers & BPAY’ page and select the transaction account you’d like to transfer from.
    • Phone transfer. You can call the Travel Money Customer Service Centre and transfer funds from an eligible Commonwealth Bank account.
    • BPAY. Use the BPAY Biller Code 113167 and enter your customer reference number which is your 16-digit Travel Money Card number.
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Benefits and drawbacks


  • Multiple currencies. The Commonwealth Bank Travel Money card offers one of the largest ranges of currencies in the Australian prepaid travel card market. For example, this is the only card that let’s you load Vietnamese dong, Chinese Renminbi and Emirati Dirham.
  • No currency conversion fees. Even if you’re spending in an unsupported currency or a currency that isn’t loaded on your card, you won’t be charged currency conversion fees.
  • Smartphone app. You can manage your Travel Money card through your netbank, meaning you’ll have no trouble checking your balance and transferring currencies on the go.


  • ATM fees. You’ll be charged every time you use your card to withdraw from an ATM. Commonwealth Bank also doesn’t have an international ATM alliance.
  • No rewards. The Travel Money card doesn’t come linked to a rewards program, so you can’t earn points as you spend.
  • Online fee. If you order your card online, you’ll be charged a $15 fee.

When you travel overseas, the Travel Money Card offered by Commonwealth Bank can help you manage your finances easily. However, since this is not the only card of its kind, make sure you compare your options carefully.

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Frequently asked questions

How can I manage my Travel Money Card while I'm overseas?

You can manage your card through Netbank — Commbank's Internet banking portal — and also through SMS alerts and phone banking.

What happens if I lose my card?

These cards come with a backup in the case the first card is lost or stolen. If you lose your primary card, contact CBA on (61+) 1300 660 700 (open 24 hours a day 7 days a week) and they will block the lost or stolen card and activate the backup card, you can continue to use the backup card as normal.

If both cards are lost or stolen, you can arrange for replacement cards to be sent out to you. There is a fee of $15 when you request that replacement cards be issued. This is debited from the funds in your account. Provided that you have not changed the default currency order, the currency which is highest in the currency order will be debited when you order a replacement card. You can also access tan emergency cash advance for no extra fee.

How do I redeem remaining funds on my travel money card when I return home?

If you have funds remaining on your card when you return home, you have a couple of options for getting the money off your card.

You can withdraw the funds from a Commonwealth Bank ATM in Australia for no charge or you can use the card to make over the counter purchases. If you don’t have money in your Australian currency wallet, a currency conversion fee of 2% will apply.

You can also transfer funds back to Australian dollars by calling the CBA customer service centre on (+61) 1300 660 700 or by visiting the CBA travel money online portal. You can also close your card redeem the funds on the card by dropping into a CBA branch.

What can I do if my Commonwealth Bank Travel Money Card is not working at the ATM?

If your travel money card is not working at the ATM, double check the following things:

The ATM accepts MasterCard cards.
You have the correct PIN and you’re not using the 6-digit registration code - if you enter an incorrect PIN three times in a row, your card will be locked.
That you have activated the card.
You’re not trying to withdraw more than your available balance, or that you haven’t exceeded your transaction limits for the day.

What happens when my card expires?

Each card has an expiry date. If you have $100 or more on the card, you will be notified by the bank that your travel money card is about to expire one month before the expire date. If you do not redeem the funds prior to the card’s expiry, any funds left on the card will be lost.

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This page was last modified on 21 June 2016 at 10:15.

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278 Responses to Commonwealth Bank Travel Money Card Review

  1. Default Gravatar
    a | June 28, 2016

    the exchange rate is very good at heathrow airport (aud – gbp). so if i take cash, then convert to gbp at the airport, can i then put it on my card in the UK?

    • Staff
      Sally | June 29, 2016

      Hi A,

      Thanks for your question.

      Unfortunately, you can only load Australian dollars directly onto Commonwealth Bank Bank Travel Money card. Once you’ve loaded it with AUD, it’s only then that you can transfer the funds to GPB. This is the same with most Australian travel cards.



  2. Default Gravatar
    Lauren | June 26, 2016

    Hi, if i load am travelling in Morocco (not a listed currency) do I just load Euros onto the card will they are then automatically transferred to Moroccan Dirham when using an ATM in Morocco? Is it just the normal ATM withdrawal fee that would be associated with a transaction like this?

    Thank you!

    • Staff
      Sally | June 27, 2016

      Hi Lauren,

      Thanks for your question.

      Yes, unfortunately, Moroccan Dirham isn’t currently supported on any travel cards.

      If you load Euros on your card, they’ll automatically be transferred into the local currency when you spend in Morocco.

      Yes, the regular ATM withdrawal fees still apply. If you are paying with Euros that are transferred to Moroccan Dirham, you should be charged an ATM withdrawal fee of EUR2.20. Please note that local ATM fees may also apply.

      I hope this has helped.



  3. Default Gravatar
    KK | June 21, 2016

    If I reload currency on my card whilst overseas, how long does it take before I can access the funds on that card?

    • Staff
      Sally | June 23, 2016

      Hi KK,

      How are you?

      This depends on how you load the funds. If you use BPAY, your funds will appear in your account within two business days. If you’re using NetBank they should appear in your account almost immediately or at least within the next business day.

      With this in mind, it’s important not to leave reloading your card until your balance is almost empty to avoid being stranded overseas without access to cash.

      I hope this has helped.



  4. Default Gravatar
    Ivana | June 8, 2016

    I am in Czech Republic, will the euros that are currently loaded onto my cba travel card be automatically converted into Czech money when I use my card to make a purchase? Also is this the same for Budapest?

    • Staff
      Sally | June 8, 2016

      Hi Ivana,

      Thanks for your question.

      Yes, if you have Euros loaded on your card, they’ll automatically be transferred to Czech koruna or Hungarian Forints when making purchases or withdrawals in the Czech Republic and Budapest respectively.

      As the card doesn’t charge a currency conversion fee, you won’t be charged each time your supported currencies are converted into the local currency as well.

      For more travel money tips, please see our Czech Republic and Hungary and Budapest travel money guides.

      I hope this has helped.



  5. Default Gravatar
    John | June 4, 2016

    I have just entered my pin number to activate my travel card, and notice the words “lock” and “unlock”on the computer screen. What do these words mean, and why should I opt for one or the other?


    • Staff
      Sally | June 6, 2016

      Hi John,

      Thanks for your question.

      Whereabouts on the screen was the lock and unlock option located? It might have been in regards to the PIN number and whether or not you wanted to confirm that as your PIN? If you’re unsure, it might be best to get in contact with Commonwealth Bank on 13 22 21.



  6. Default Gravatar
    Bella | June 2, 2016

    Can I transfer money from my Commonwealth Bank travel card to my friends Commonwealth Bank travel card?

    • Staff
      Sally | June 6, 2016

      Hi Bella,

      Yes, you should be able to do this via Netbank. Just make sure to have your friend’s cards details available at the time of transfer.



  7. Default Gravatar
    Leona | May 24, 2016

    I attempted to withdraw cash in Madrid. ATM wanted 8 digit pin & mine is only 4. I tried 4 zeros in front, nothing happened & card was retained. I retrieved it at bank but don’ know if it is stopped. What do I do about pin in future?

    • Staff
      Sally | May 24, 2016

      Hi Leona,

      Thanks for your question.

      If you’re unsure if your card has been frozen, you should contact the Travel Money customer service team on +61 2 9374 0609.

      The Commonwealth Bank Travel Money guide explains that if you’re asked to provide a 6 digit PIN, you should enter two 0s after you enter your four-digit PIN. So rather than entering the extra 0s before your PIN, try adding them after this time.
      I hope this has helped.



  8. Default Gravatar
    James | May 23, 2016

    Worthwhile knowing that this card – for reasons unknown – doesn’t offer PayWave or Contactless payment. This is rather a shame, since if it had it, it would be rather excellent. I’ve been using the Velocity Global Wallet for a while, but have just discovered it has a 3% conversion fee, while this has none.

    Also worth knowing that this card, even though it is a MasterCard, isn’t accepted on the London Underground for travel. That’s a little annoying, and I don’t quite understand why.

    Am I right in thinking that the only benefit of converting money from one currency to another is to gain certainty on the exchange rate? If I just left everything in AUD, that wouldn’t incur any additional charges – it would just use whatever today’s exchange rate is?

    • Staff
      Sally | May 24, 2016

      Hi James,

      Thanks for your feedback on the Commonwealth Bank Travel Money card.

      As this particular card doesn’t charge a currency conversion fee, the locked-in exchange rate is indeed the reason why you would transfer your Australian dollars to the supported local currency on the card before you started spending.

      However, the way you use the card is entirely up to you, so this might be the most convenient way to handle your funds.



  9. Default Gravatar
    Col | May 19, 2016

    I have a Comm Bank Travel Card and will be travelling in UK and Europe in June. What are ATM charges and is there any charge for purchases, restaurants, shops etc?

    • Staff
      May | May 19, 2016

      Hi Col,

      Thanks for your question.

      Commonwealth Bank Travel Money Card does not charge purchase transaction fees either upon making purchases on-line, in-store or over the phone. But when you withdraw cash, the fees will depend on the currency you are withdrawing. You can find the complete list of fees and charges on the PDS I’ve sent to your email.

      I hope this has helped.


  10. Default Gravatar
    Lewis | May 6, 2016

    hey there. can i reload money onto a travel money card through the commbank app? if so, how do i do this?

    • Staff
      Sally | May 9, 2016

      Hi Lewis,

      Yes, you can reload funds on your Commonwealth Bank Travel Money Card through NetBank.

      I’ve emailed you a link, but all you need to do is select reload travel money card and follow the prompts to transfer funds to your travel money card.

      I hope this has helped.



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