Commonwealth Bank Travel Money Card Review

Rates and Fees verified correct on May 29th, 2015

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) New Zealand Dollars (NZD) Canadian Dollars (CAD)
Japanese Yen (JPY) Singapore Dollars (SGD) Hong Kong Dollars (HKD) Thai Baht (THB) Vietnamese Dong (VND) Chinese Renminbi (CNY)
Emirati Dirham (AED)

Where can I use the Commonwealth Bank Travel Money Card?

  • Anywhere in the world. This is a MasterCard, so anywhere MasterCard is accepted you'll be able to use your card. You will not be charged a currency conversion fee if you make a purchase in a currency that isn't loaded onto your card, but keep in mind that your currency will be converted at the exchange rate that applies at the time.
  • Where your currency is accepted. There is a benefit to loading currencies onto your card before you go. You're able to lock in an exchange rate, so you'll always know how much you'll have to spend.

Currency order: If you choose to load your currencies before you go, you'll need to keep the currency order in mind. This is the order that Commonwealth Bank will draw funds from if you have insufficient funds in a certain currency to complete a transaction. Commbank lets you set your own currency order in a way that will benefit your spending the most, but if you don't set your order a default currency order will apply.

Default currency order

  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)

How much will the card cost me?

  • Getting your card. This card costs  to purchase, but you won't pay anything to load funds onto your card the first time.
  • Putting money onto your card. Everytime you load funds onto your card, you'll pay . It also doesn't cost any money to transfer funds between currencies on your card.
  • Using your card. ATM withdrawal fees apply when you withdraw different currencies from your card — check these ATM fees below. Checking your balance at an ATM doesn't carry any fees, and neither does obtaining an emergency cash advance. If you find yourself in need of a replacement card, you'll be charged .

ATM withdrawal fees

AUD3.50 USD2.50 GBP2.00 EUR2.20 NZD3.50 CAD3.00 JPY220 SGD3.50 HKD17 THB80.00
VND50000 CNY15.00 AED10.00
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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  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  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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200 Responses to Commonwealth Bank Travel Money Card Review

  1. Default Gravatar
    Alexandre | April 28, 2015

    I am travelling and Brazil and the ATMs here are not accepting my travel money card. What can I do?

    • Staff
      Elizabeth | April 28, 2015

      Hi Alexandre,

      Thanks for your question.

      You’ll need to call CommBank on +61 2 9374 0609 to get assistance for your travel card.

      I hope this has helped.



  2. Default Gravatar
    Mary-Anne | April 24, 2015

    Is there a commonwealth bank in Hawaii as I only have an Eftpos card

    • Staff
      Elizabeth | April 24, 2015

      Hi Mary-Anne,

      Thanks for your question.

      There aren’t any Commonwealth Bank branch or ATM locations in Hawaii or the rest of the United States. If your card is Visa or MasterCard branded, however, you can withdraw cash from any ATM that accepts those MasterCards or Visas.

      I hope this has helped.



  3. Default Gravatar
    | April 22, 2015

    Hi I am traveling to South America next week and have a travel card. Just wondering if it is better to load the card with Aus dollars or convert it to American Dollars? Is there more fees etc with just having Australian Dollars

    • Staff
      Elizabeth | April 22, 2015

      Hi T,

      Thanks for your question.

      There are no applicable fees you have to pay if you use the card for a transaction and you don’t have the correct currency loaded onto the card. Your money will be transferred at the retail foreign exchange rate at the time of the conversion, but you won’t need to pay any extra fees, so whether or not you put your currency into US Dollars is up to you.

      I hope this has helped.



  4. Default Gravatar
    Fred | April 15, 2015

    Can a travel card be in joint names?

    • Staff
      Elizabeth | April 15, 2015

      Hi Fred,

      Thanks for your question.

      The Commonwealth Bank Travel Money Card is a prepaid card and doesn’t have your name listed on it. However, it is linked to your Netbank account so if you want joint use of the card you will both need access to the Netbank account.

      I hope this has helped.



  5. Default Gravatar
    Jackie | April 7, 2015

    Can I use my Commonwealth Travel Card to pay for accommodation overseas (England). I want to confirm a reservation in London, and they require a deposit of 25% of the total cost of accommodation – Can I use my travel card to pay for this whilst here in Australia?

    • Staff
      Elizabeth | April 7, 2015

      Hi Jackie,

      Thanks for your question.

      The Commonwealth Travel Money card is a MasterCard and can be used anywhere MasterCard is accepted. Simply provide your card number to the hotel and it will be accepted. The Commbank Travel Money PDS mentions the card can be used in this way, and says to ensure you have sufficient funds on the card otherwise they will not be able to approve the transaction.

      I hope this has helped.



  6. Default Gravatar
    LASZLO | April 3, 2015

    Hi dear reader. I have paypal balance $180.Paypal not give card outside usa.If use your company paypal balance sand to travel card after that can take money out atm machine.I use sand money paypal,but not want change.Wimdu german company paypal american.Thank you answer Laszlo.

    • Staff
      Shirley | April 7, 2015

      Hi Laszlo,

      Thanks for your question.

      You can register the Commonwealth Bank Travel Money Card for PayPal transactions but you can’t reload the card using Paypal. You’ll need to do it through a bank transfer from an eligible Commonwealth Bank account or BPAY.


  7. Default Gravatar
    Rod | January 30, 2015


    I am currently in Thailand and have a commonwealth bank travel card. I am being charged ridiculous fees to withdrawal money at ATMs here in Thailand…

    Eg. I just made a withdrawal of 5000thb and was charged an additional 428Thb on top of the 5000!!!

    Just wanting to know why this is happening as it has happened on every withdrawal and sometimes a larger amount…


    • Default Gravatar
      Catherine | April 1, 2015

      The same thing is happening to us, how do we withdraw money with out the extra fees?

    • Staff
      Shirley | April 7, 2015

      Hi Catherine,

      Thanks for your question.

      According to the Product Disclosure Statement of the CBA Travel Card, all withdrawals incur a fee. The fee will depend on the currency you are withdrawing.


  8. Default Gravatar
    alaska | January 25, 2015

    i am in europe at the moment and have a commonwealth travel card. i am trying to change my flight details and it costs $200. i have only $30 in my smart access account. i have way over that amount in my travel card but its in euros. how do i change over $200 of that money back into australian dollars and into my smart access account? thank you

    • Staff
      Shirley | January 27, 2015

      Hi Alaska,

      Thanks for your question.

      You’ll need to log into NetBank to redeem the funds back to AUD (the same process when you converted your funds in the first place).

      You can then perform an account transfer to send the funds back into your Smart Access account. You’ll need your BSB, account number and account name of your nominated account.


  9. Default Gravatar
    Teresa | January 13, 2015

    if i put money in today through netbank how long before you get it in chile south america.

    • Staff
      Shirley | January 14, 2015

      Hi Teresa,

      Thanks for your question.

      Reloads made to your Commbank Travel Money card through BPAY from an eligible Commonwealth Bank transaction account will be available within 24 hours.

      There may be a longer delay (usually no more than two business days) for reloads made through BPAY from another financial institution.


  10. Default Gravatar
    Dean | January 1, 2015

    No so much a question but a comment. I am currently travelling Japan with a CBA travel card. I have used the card to check into a couple of hotels that have done a pre authorisation. I have then paid on checkout using the same card. What happens is that you end up with two transactions for the same amount on the card. The authorisation is a pending transaction whilst the payment in a processed transaction. You can not use the amount held as pending until the hotel cancels it or it expires which us raking about three weeks. My advice is only use he travel card when making actual payment and not as a pre authorisation.


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