ANZ Travel Card

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 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. It's important to note the portal does not allow you to reload your card.

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$50,000
Maximum Annual Load Amount$50,000
24 Hour ATM Cash Withdrawal LimitAUD - 3,000 (or equivalent value in foreign currency)
24 Hour POS Transaction LimitAUD - 6,000
Card Issue Fee$0
Initial Load Fee$0
ATM Withdrawal FeeAUD 3.50, USD 2.50, GBP 2.00, EUR 2.20, NZD 4.50, CAD 3.00, HKD 20.00, SGD 4.00, THB 95, JPY 260

Reload Fee0%
Monthly Inactivity Fee
after 12 months inactivity
$0
Transaction Fee for Purchases$0
Balance Enquiries$0
Card Replacement Fee$0
Currency Conversion Fee4%
BPay Reload fee$0
Account Closing Fee$0
Available To Temporary ResidentsNo

What currencies can I load on the ANZ Travel Card?

The ANZ Travel Card supports 10 currencies including the Australian dollar, US dollar, Euro, Pound sterling, New Zealand dollar, Hong Kong dollar, Canadian dollar, Singapore dollar, Thai baht and Japanese yen.

What is the currency order?

When loading multiple currencies on your ANZ Travel Card, it is important to note that a currency order applies. The stored value currency order determines the order in which funds are loaded and the order in which fees or transactions are debited from your card. For example, when you load money on the card, it will be credited to the Australian currency wallet because this is the first currency in the default currency order. If you wish to make a purchase in euros but only have Australian dollars and US dollars on the card, Australian dollars will be debited first or US dollars if there is insufficient Australian dollars available. You may change the stored value currency order at any time online or by calling the ANZ customer service centre. This is the card’s default currency order:

    While the card supports 10 international currencies, you can also use the card to make purchases wherever Visa prepaid cards are accepted. Where multiple currencies are involved, applicable ANZ Bank selling rates at the time of the transaction will be used to calculate fees. When loading or reloading currencies, money is transferred to the card and received as Australian dollars. The funds can then be converted into other stored value currencies and locked in at the day’s prevailing conversion rate on ANZ’s website. When transferring via BPAY or Post Billpay, money will be converted and locked in at prevailing rates on the day that your funds clear, usually three business days after the payment is made.

    Where can I use my ANZ Travel Card

    Since the ANZ Travel Card is a Visa card, it enjoys worldwide acceptance at over 38 million merchants. When using your card abroad, it will automatically use that country’s currency wallet as long as there are sufficient funds loaded in that currency. There are some exceptions to card usage. You may not use your ANZ Travel Card at merchants who process transactions manually or who do not accept Visa prepaid cards. For example, you cannot use your card to pay for gaming and gambling services, direct debits, recurring or instalment payments, over-the-counter cash withdrawals or in countries subject to economic or trade sanctions.

    Features of the ANZ Travel Card

    The features and benefits of the ANZ Travel Card include the following:

    • Locked in exchange rates. Being able to lock in exchange rates before you travel protects you from rate fluctuations and currency instability. You can confirm the applicable exchange rates on the ANZ website. Note that the rates applied are taken on the day that your funds clear, which may be up to three business days for BPAY transactions and up to ten business days for cheques.
    • Additional card. The free second card could be a useful back up in the event that your card is lost, stolen or damaged. This card is automatically linked to your travel card account. It’s wise to store this card securely in your locked suitcase or hotel to ensure you have a spare card in the event that your initial card is compromised.
    • Worldwide ATM alliance. Enjoy worldwide access to cash with this Visa card, which you can use at over 2.3 million ATMs globally. Please note that ATM fees apply.
    • Online manageability. The card allows you to conveniently manage your account online via the ANZ Travel Card Portal.
    • No initial load fee or transaction fees. Enjoy loading your card for free the first time.

    How much does the ANZ Travel Card cost?

    This table explains the card costs you can expect and when to expect them:

    Type of feeCostWhen you’ll be charged
    Purchase fee$0You can purchase your ANZ Travel Card at no cost.
    Initial load fee$0You do not need to pay to load your card the first time.
    Reload fee 0%You will not need to pay when you reload funds on your card.
    AUD currency feeNilYou won’t be charged for electronic transactions (including ATM withdrawals) that debit Australian Dollars from your account.
    Unsupported currency fee4% of converted AUD valueThis will be charged when you use your card in a currency that is not available to be stored on it.
    International withdrawal fee
    • AUD 3.50
    • USD 2.50
    • GBP 2.00
    • EUR 2.20
    • NZD 4.50
    • CAD 3.00
    • HKD 20.00
    • SGD 4.00
    • THB 95
    • JPY 260
    You will be charged the relevant ATM fee each time you make an ATM withdrawal in that country’s currency.
    SMS activity alerts
    • AUD 0.35
    You will need to pay the activity alert fee for each SMS requested. You may configure your SMS alerts online.
    Card replacement feeNilYou will not need to pay for a replacement card in case of loss, theft or damage.
    Inactivity feeNilIf you don’t use your travel card for seven years, and your card stored value is greater than AUD$500, ANZ will send the remaining value to the government as unclaimed monies.
    Closure/Cash out fee NilYou may close or cancel your card without any penalty.

    How to use the ANZ Travel Card

    Get your ANZ Travel Card up and running by following these easy steps.

      • Activating the card

    Travel cards purchased at an ANZ branch or ANZ Foreign Exchange Centre in Australia do not require activation, but must be registered for online services at the ANZ Travel Card website. Travel cards bought online must be registered to be activated. All you need for online registration are your card details and your security code, which is the 4-digit number you nominated at the time of purchase. This number is different from your PIN.

      • Loading funds on the card

    You may load funds onto your travel card online, over the phone using BPAY or in person at any ANZ Foreign Exchange Centre. When you purchase and load card funds in person, they will be ready to use before the end of the following business day. When you purchase and load funds online, your card will be ready for collection after five business days and you can only use it after you have registered it. Note that your initial load amount must be greater than AUD$200 but cannot exceed AUD$50,000 or AUD$25,000 when purchased online. Subsequent reloads have no minimum limits but cannot exceed AUD$50,000 per year.

      • Managing your online account

    Once you’ve registered your card online, you can easily manage your card via the ANZ Travel Card Portal. Log in using your user ID and password to view your account balances and transactions.

    What do I do if I return home with foreign currency remaining on the card?

    You could always keep the funds in that currency for spending on your next trip or for spending online. Otherwise, consider converting the currency back into Australian dollars at the prevailing currency conversion rate on the ANZ website, which is essentially what happens if you choose to close or cancel your travel card and have any remaining stored value paid out to you.

    You can no longer use your card after the expiry date, which is printed on the front of your travel card. ANZ will notify you of your impending card expiry via email so you have time to withdraw remaining funds from your card by ATM. After the card expiry date, you may still claim your stored value or transfer it onto a new card by calling 1800 094 003 or +61 3 9683 7777 outside Australia. If any card value is unclaimed seven years after expiry, your account will be closed and the value transferred to ANZ (Remaining Funds). If this amount exceeds AUD$10, you will again be reminded via email to claim the remaining funds.

    Who do I contact if my card is lost, stolen or damaged?

    Report your stolen or lost card by immediately calling the ANZ Travel Card Customer Service centre at 1800 094 003, or +61 3 9683 7777 when overseas. If you are unable to reach this service centre, make your report to the main ANZ line at 13 13 14 instead. As soon as you’ve made your report, your card will be cancelled. A replacement card may then be issued or your back-up card may be used. It’s in your best interests to report any loss or theft as soon as possible because you can be held liable for unauthorised transactions incurred before your report is received.

    How to apply for an ANZ Travel Card

    You can get your ANZ Travel Card by visiting an ANZ branch or by ordering it online. Cards purchased in person will be issued immediately while cards purchased online must be collected at a branch after five business days. You will be required to provide your name, personal details and departure dates as well as proof of identity. Please note that the ANZ Travel Card is designed for Australian residents only.

    Apart from offering up to 10 major currencies, the ANZ Travel Card also delivers attractive perks including a free backup card, free replacement cards and the added ease of managing your travel card online. When deciding on a travel card, remember to compare all available options to find the one that best suits your personal travel needs and spending preferences.

    Back to top

    Sally McMullen

    Sally McMullen is an editor at finder.com.au who is a credit cards, frequent flyer and travel money expert by day and music maven by night.

    Was this content helpful to you? No  Yes

    Ask an Expert

    You are about to post a question on finder.com.au:

    • Do not enter personal information (eg. surname, phone number, bank details) as your question will be made public
    • finder.com.au is a financial comparison and information service, not a bank or product provider
    • We cannot provide you with personal advice or recommendations
    • Your answer might already be waiting – check previous questions below to see if yours has already been asked

    Finder only provides general advice and factual information, so consider your own circumstances, or seek advice before you decide to act on our content. By submitting a question, you're accepting our Privacy & Cookies Policy and Terms of Use, Disclaimer & Privacy Policy.

    190 Responses

    1. Default Gravatar
      DavidJune 22, 2018

      Without using BPay can we transfer more money to travel card via internet banking and how long will it take. BPay is too slow and the reason for asking you this question is that we are Deaf and cannot use the phone.

      • finder Customer Care
        JeniJune 22, 2018Staff

        Hi David,

        Thank you for getting in touch with finder.

        Since you don’t prefer to load funds through BPAY, you may load funds onto your travel card online or in person at any ANZ Foreign Exchange Centre. In addition, you may reload at Australia Post outlets that provide the Post Billpay service by presenting the card (up to $9,000 in a single transaction). Post Billpay loads will take up to 3 business days to be processed (or up to 10 business days if you use Post Billpay to reload using a cheque).

        I hope this helps.

        Please feel free to reach out to us if you have any other enquiries.

        Thank you and have a wonderful day!

        Cheers,
        Jeni

    2. Default Gravatar
      EllenApril 24, 2018

      Do I have to pay a withdrawal fee if I withdraw from a bank, and which banks can you use in USA

      • Default Gravatar
        ArnoldApril 24, 2018

        Hi Ellen,

        Thanks for your inquiry

        You will be charged the relevant ATM fee each time you make an ATM withdrawal in that country’s currency. For USD the atm withdrawal fee is 2.50 and enjoy worldwide access to cash with this Visa card, which you can use at over 2.3 million ATMs globally that accepts Visa.

        Hope this information helps

        Cheers,
        Arnold

    3. Default Gravatar
      StephanieApril 24, 2018

      My son will be traveling to Germany in Jan. 2019. Is this a card I can get for him to use over there?

      • finder Customer Care
        JeniApril 24, 2018Staff

        Hi Stephanie,

        Thank you for getting in touch with finder.

        Yes, you can give this card to your son who is traveling to Germany next year. He should be able to use it without any hassle in Germany.

        To learn more on his other travel money options for his trip to Germany, check out this link.

        I hope this helps.

        Have a great day!

        Cheers,
        Jeni

    4. Default Gravatar
      kimbaApril 5, 2018

      I left my 2 travel cards in india, currently in europe needing help!!

      • finder Customer Care
        JhezelynApril 5, 2018Staff

        Hello Kimba,

        Thank you for your comment.

        Sorry to hear that happened. By the way, if you left your travel cards, you will need to contact the provider so they can lock or cancel your card.

        You can request replacement cards by visiting a branch of your provider or ANZ. If you’re overseas and need funds urgently, call your provider so they can help arrange an emergency replacement card or cash advance (some fees apply to these services).

        I hope this helps.

        Regards,
        Jhezelyn

    5. Default Gravatar
      JoanMarch 22, 2018

      I am in Chile at the moment and have an ANZ travel card loaded with $US. So far it has been rejected by an ATM for a cash withdrawal and also by a hotel eftpos machine where I was trying to pay in $US. Do you think it will work over here at all? I’m also travelling to Argentina band Uruguay.

      • finder Customer Care
        JeniMarch 22, 2018Staff

        Hi Joan,

        Thank you for getting in touch with finder. As long as you have registered your card details and your security code, which is the 4-digit number you nominated at the time of purchase, online then the card should be working. Since the ANZ Travel Card is a Visa card, it enjoys worldwide acceptance at over 38 million merchants. When using your card abroad, it will automatically use that country’s currency wallet as long as there are sufficient funds loaded in that currency. There are some exceptions to card usage. You may not use your ANZ Travel Card at merchants who process transactions manually or who do not accept Visa prepaid cards. For example, you cannot use your card to pay for gaming and gambling services, direct debits, recurring or installment payments, over-the-counter cash withdrawals or in countries subject to economic or trade sanctions.

        I hope this helps.

        Have a great day!

        Cheers,
        Jeni

    6. Default Gravatar
      BelindaMarch 5, 2018

      I am travelling to Japan. I have an ANZ debit card linked to my Access account and an ANZ Visa credit card. Can I use the debit card for cash withdrawals of my own money at ATMs in Japan instead of getting a travel card with my own money on it ?
      Thanks

      • finder Customer Care
        MayMarch 6, 2018Staff

        Hi Belinda,

        Thanks for your inquiry.

        I can’t really say which card is best to use in Japan as that would ultimately depend on your travel plans and financial situation. Nevertheless, yes, you can use your ANZ debit card in Japan and withdraw money from that card using an ATM there. But please note though of the fees you might incur when using your debit card, so best to check the fees first and compare it when using with a credit card or another travel card.

        In case you’d like to check your travel card options, you may find this page helpful.

        Cheers,
        May

    7. Default Gravatar
      JoDecember 13, 2017

      Does the travel card have a tap and go system or do you have to swipe your card when you use it.

      • finder Customer Care
        RenchDecember 14, 2017Staff

        Hi Jo,

        Thanks for your inquiry. Please note that we are not affiliated with ANZ or any company we feature on our site and so we can only offer you general advice.

        ANZ Travel card doesn’t have a Tap & Go or contactless system. You can use your ANZ Travel Card to make purchases wherever Prepaid Visa cards are accepted electronically or withdraw cash from Visa enabled ATMs.

        When you make a purchase with your ANZ Travel Card:

        1. put the card through the merchant terminal
        2. select the Credit (‘CR’) button
        3. the merchant will then request your signature or PIN for authorisation.

        When you withdraw cash from a Visa enabled ATM:

        1. put your card into any Visa enabled ATM
        2. enter your PIN
        3. select the Credit (‘CR’) button
        4. get your cash.

        Selecting the Credit (‘CR’) button on Visa enabled ATMs or merchant terminals gives you access via the Visa network to the stored value on your ANZ Travel Card.

        When you use ANZ Travel Card to make a purchase at a merchant or withdraw cash from an ATM, the card will automatically use the currency on the card of the country of the transaction (if you have loaded enough of that currency to be able to process the transaction in full).

        You may get this info by visiting ANZ official site.

        Cheers,
        Rench

    8. Default Gravatar
      NormaNovember 7, 2017

      I have GBP remaining on my travel card with ANZ. What are the costs to me for cashing this amount into AUD?

      • finder Customer Care
        LouNovember 7, 2017Staff

        Hi Norma,

        Thanks for your question.

        Before the ANZ Travel Card card expiry date, you can redeem any remaining funds for cash through the following options:

        *ATM – This is subject to the minimum ATM withdrawal amount and ATM withdrawal fee of AUD 3.50.
        *Electronic transfer to your nominated account – no specific fee listed on the ANZ website
        *Requesting closure or cancellation of the card by calling ANZ – no specific fee listed on the ANZ website
        *Visiting any ANZ Branch or ANZ Foreign Exchange Centre and completing a card closure form – no fee

        Cheers,
        Anndy

    9. Default Gravatar
      AngeSeptember 2, 2017

      Can you be under the age of 18 to apply for this travel card?

      • finder Customer Care
        JhezelynSeptember 4, 2017Staff

        Hi Ange,

        Thanks for your comment.

        Upon checking, you can still apply even if your under 18 years old as long as you’re an Australian resident only. You can get your ANZ Travel Card by visiting an ANZ branch or by ordering it online. Hope this helps.

        Regards,
        Jhezelyn

    10. Default Gravatar
      BarbraAugust 31, 2017

      I have overseas currency on my ANZ travel card that I need to convert back to Australian Dollars and deposited back into my ANZ account. How do I do this? Thanks in advance.

      • finder Customer Care
        JhezelynSeptember 1, 2017Staff

        Hi Barbra,

        Thanks for your comment.

        If you want to convert the currency back into Australian dollars, you may do so at the prevailing currency conversion rate on the ANZ website, which is essentially what happens if you choose to close or cancel your travel card and have any remaining stored value paid out to you.

        You may apply to ANZ to claim the Remaining Funds. To claim the Remaining Funds, ANZ may require you to complete a form or other process and/or provide supporting documentation and/or evidence of your claim. Once you have provided the required documentation and/or evidence, ANZ will calculate the AUD equivalent of the Remaining Funds using the rate at which ANZ bought Travel Cards and Cheques in the Stored Value Currencies as at 31 December of the year in which the Stored Value was debited from your Card and transferred to ANZ.

        Regards,
        Jhezelyn

    Ask a question
    Go to site