Commonwealth Bank Travel Money Card Review

Rates and Fees verified correct on February 9th, 2016

Why pay more than you need to when you're travelling? Let Commbank support your overseas spending

Designed for convenience, Commonwealth Bank’s Travel Money Card allows you to load up to thirteen currencies onto the card at one time. You won't pay any fees to load currencies onto your card for the first time, or for any subsequent reloads. Unlike other travel money cards, you also won't be charged a currency conversion fee for transactions in a currency that you don't have loaded onto your card. Enjoy the convenience of spending without worrying about excessive fees. Is the Commbank Travel Money Card right for you? Learn more about it on the page below.

What currencies can I load onto this card?

Australian Dollars (AUD)United States Dollars (USD)British Pounds (GBP)Euros (EUR)Chinese Renminbi (CNY)
Japanese Yen (JPY)Singapore Dollars (SGD)Hong Kong Dollars (HKD)Thai Baht (THB)
Emirati Dirham (AED)New Zealand Dollars (NZD)Vietnamese Dong (VND) Canadian Dollars (CAD)
VND50000CNY15.00AED10.00 NZD3.50 JPY220 HKD17
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The features of the Commonwealth Bank Travel Money Card

Pros and cons

  • Minimal fees. You won't be charged cross currency conversion fees if you spend in a currency not loaded on your card — this is one of the few cards on the market not to charged this fee. You also won't be charged to load money onto your card, move money between currencies or transfer your leftover funds to a transaction account at the end of your holiday.
  • Easy to manage. You can keep track of your travel money through Commbank's online banking system, Netbank. You can also receive SMS alerts to be notified when you have a low balance, or just to get regular check-ups for your account.
  • Secure. You have a primary card and a backup card to use in case anything happens while you're travelling. If you do lose your card or if it's stolen, you have the option of arranging a free emergency cash advance.
  • No app. There's no mobile app for your travel money card to manage your transactions. This can be limiting while you're travelling.
  • Reloading money. If you're not a Commbank customer, the only option for reloading is through BPAY or at a Commonwealth Bank branch. Using BPAY means your funds will take two to three days to appear in your account — this may not be ideal while you're travelling.

How convenient is my card?

You can manage your card online, from anywhere in the world, by registering your Travel Card for Netbank. You can also register for SMS alerts to help you better manage your card — receive notifications for when your balance is low, when your account has been topped up, or just receive regular notifications for your account.

The flexibility of your Commbank Travel Money Card

  • If you don't load all the currency you need before you leave for your trip, you won't be charged additional fees. This means no currency conversion fees if you complete a transaction in a currency not loaded or supported on your card, and no reload fees for subsequent reloads.
  • Didn't load enough of a particular currency on your card? Don't worry, you can move money between currencies on your card as much as you like without having to pay fees.
  • If you find you have money leftover on your card at the end of your trip, you can request your funds be moved to a Commonwealth Bank transaction account for no additional cost. If you don't have a Commbank account, you can withdraw your funds for the applicable ATM fee. You can close your card at any Commbank branch for no fee.
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How to get a card

Ordering a card

You can order a card conveniently online — just keep in mind a fee of $15 applies. This fee does not apply to full-time primary, secondary or tertiary students, or if you apply for a card in a Commonwealth Bank branch.

  • Commonwealth Bank customers. If you are registered for Netbank, you can log on to your account and complete a Travel Money Card purchase form. Submit the form and your card will be delivered within five business days. Your transaction account will need to have at least AUD$215 of funds available.
  • Non-Commonwealth Bank customers. If you don't belong to Commbank, you'll need to apply for a card in-branch. Just provide basic documentation and be prepared to load a minimum of AUD$200 onto your card.

Initial loading

The first time you load money onto your card you'll need to load a minimum of AUD$200. You can load the equivalent of this amount in the currency of your choosing. Depending on how you get your card, the initial load may be through transferring funds from your Commbank account, via BPAY, or if you visit a branch you can use cash, a funds transfer from a Commbank account or a credit card cash advance.


You can load between $1 and 100,000 onto the card and you can have a maximum balance of $100,000 at any one time. There are no daily limits on the number of ATM transactions you can make but you can only withdraw up to $2,500 from an ATM in a 24-hour period. It’s a similar situation with EFTPOS transactions. There are no daily limits on the number of transactions you can make; however, the value of EFTPOS / POS transactions is capped at $7,500 per day.

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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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244 Responses to Commonwealth Bank Travel Money Card Review

  1. Default Gravatar
    Journeyman | January 30, 2016

    31st January 2016 – Thailand.
    So far the CBA Travel Money Card has failed to work in ATM’s or in restaurant. Have checked online and there are ample funds (Baht and AUD) in the account.

    Card worked fine in Singapore but one really does need a card that works in major business and tourist destinations.

    Very frustrating.

    • Staff
      Sally | February 1, 2016


      Thanks for your question and our we’re sorry to hear about the frustrating experience you’ve had with your Travel Money card.

      The Commonwealth Bank Travel Money card should be fine to use wherever MasterCard is accepted. If you’re still having trouble using the CommBank Travel Money card, you might want to get in touch with the customer service team on 13 2221.



  2. Default Gravatar
    Mark | November 12, 2015

    hi, i have a commonwealth bank Travel money card
    i would like to book a flight,
    for my payment details is it
    master card debit or master card credit??

    • Staff
      Sally | November 12, 2015

      Hi Mark,

      Thanks for your question.

      As the Commonwealth Bank Travel Money card is neither a credit or debit card, you should enter “MasterCard prepaid” if you can.

      If you can only choose from either credit or debit, then it’d be better to charge as a MasterCard debit.



  3. Default Gravatar
    Alex | November 7, 2015

    I have a master debit card and am overseas have not been able to withdraw from the ATM machines is their something am supposed to do?

    • Staff
      Sally | November 9, 2015

      Hi Alex,

      Thanks for getting in touch.

      Just to confirm, are you referring to the Commonwealth Bank Debit MasterCard or the Travel Money Card?

      Both of these cards are accepted wherever MasterCard is accepted, so you should have no issue withdrawing funds from a MasterCard ATM. If you’re still having trouble accessing funds via ATM, you may need to contact the customer service team directly to ensure that your account hasn’t been blocked or disabled.



  4. Default Gravatar
    Gill | November 3, 2015

    Is there a limit to the amount of money you can take out in one transaction?

    • Staff
      Sally | November 4, 2015

      Hi Gill,

      Thanks for your question.

      As mentioned under the “Limits” heading on our review page, cardholders can only withdraw up to $2,500 from an ATM in a 24-hour period. There are no daily limits on the number of transactions you can make; however, the value of EFTPOS/POS transactions is capped at $7,500 per day.

      I hope this has helped.



  5. Default Gravatar
    Amy | September 27, 2015

    I have a new card but I don’t know what I can do to change my PIN as well as if I want to get my cash from ATM. Can you help me?

    • Staff
      Sally | September 28, 2015

      Hi Amy,

      Thank you for your question.

      You can change your PIN through your Netbank. Here you can also check your balance and transaction history, transfer existing balances into other currencies and change your currency order.

      I hope this has helped.



  6. Default Gravatar
    michelle | September 23, 2015

    I have a travel money card it works fine in shops but won’t give me cash at ATM. I know the money is on card, why is this happening?

    • Staff
      Sally | September 23, 2015

      Hi Michelle,

      Thank you for your question.

      You should be able to use your Commonwealth Bank Travel Money card at any ATM that accepts MasterCard. You’ll be required to enter your PIN and select ‘credit’ to withdraw funds.

      Please keep in mind that there are also daily ATM withdrawal limits of $2,500.

      If you’ve followed these instructions and followed these terms and conditions but are still having trouble accessing your funds from ATMs, I would suggest contacting the Commonwealth Bank Travel Money customer service team to confirm what the issue is.

      I hope this has helped.



  7. Default Gravatar
    John | September 9, 2015

    I’m trying to use my Travel Money Card to top up my mobile phone on line. Can this be done and if so, what do I put in the cardholders name section?

    • Staff
      Sally | September 10, 2015

      Hi John,

      Thank you for your comment.

      You can use the Commonwealth Bank Travel Money card for online purchases. So if you need to pay a bill or top up your phone credit online, you should be able to do that with the Travel Money card.

      You will need to enter the name that the prepaid account is under in the cardholder name section.

      I hope this has helped.



  8. Default Gravatar
    Polly | August 31, 2015

    Hi there, I have set up an account in Spain whilst I am working here, can I transfer euros from my travel card to my spanish account and if so how can I do that online? It is not allowing me to transfer to a foreign account.
    Thank you

    • Staff
      Sally | September 1, 2015

      Hi Polly,

      Thank you for your question.

      The Commonwealth Bank website only provides details for transferring funds from your Travel Money Card to an Australian CommBank Account. You may need to get in touch with Commonwealth Bank directly to confirm if this is the only way you can transfer funds from your account to an international account.

      I hope this has helped.



  9. Default Gravatar
    Margaret | August 13, 2015

    Is Moroccan dirham available on the Commonwealth Bank Travel Money card? That’s Moroccan dirham, not United Arab Emirates dirham.

    • Staff
      Sally | August 13, 2015

      Hi Margaret,

      Thanks for your question.

      No, the Moroccan Dirham is not a supported currency on the Commonwealth Bank Travel Money card.

      The available currencies are listed on our review page.

      However, the CommBank Travel Money card doesn’t charge currency conversion fees, so you can use it to make purchases in currencies that aren’t supported by the card without incurring a fee.

      At this stage, none of the prepaid travel money cards available on the Australian market support this currency, but the CommBank Travel Money card is one of few that doesn’t charge conversion fees.

      I hope this has helped.



  10. Default Gravatar
    Ashley | July 9, 2015

    Hello I will be traveling to Turkey next week, I’m putting AU dollars on my travel money card will the au money convert to Turkish lira?
    What will I be charged at a ATM for withdrawing money?

    • Staff
      Sally | July 10, 2015

      Hi Ashley,

      Thanks for your question.

      Although Turkish Lira is not a supported currency on the Commbank Travel Money card, your AUD will convert to Lira when making a purchase or withdrawal in Turkey. The rate applicable to the conversion is the retail foreign exchange rate at the time of conversion.

      If you’re withdrawing funds in an unsupported currency, you will incur the ATM withdrawal fee applicable to the currency you have loaded onto the card. So in your case, it will be the AUD ATM withdrawal fee of $3.50 per withdrawal plus the exchange rate that is in place on the day.

      I hope this has answered your question.



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