ANZ Travel Card

Rates and Fees verified correct on April 27th, 2017

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 or online)
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 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).

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 or online).
ATM withdrawalsThe following ATM fees apply 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
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.

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.

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.

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.

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 1 November 2016 at 9:33am.

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166 Responses to ANZ Travel Card

  1. Default Gravatar
    online | April 21, 2017

    I want to use the travel card on my online google play account but what do I type when I need to fill in the – name on card- field?

    • Staff
      Harold | April 21, 2017

      Hi Chopadocket,

      Thank you for your inquiry.

      “Name on card – field” is basically the name of the card holder. With ANZ Travel Card you can use the 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.

      I hope this information has helped.


  2. Default Gravatar
    Mark | February 28, 2017

    Do these travel cards get accepted on betting sites?

    • Staff
      Anndy | February 28, 2017

      Hi Mark,

      Thanks for your question.

      Based on the terms and conditions of this card, it can’t be used for Transactions at merchants who offer gaming and gambling services, such as betting (including lottery tickets, casinos gambling chips, off-track betting), wagers at race tracks,as well as gaming or gambling websites.

      If you are looking for a card for gambling, please check our guide here.


  3. Default Gravatar
    | February 23, 2017

    I live in Australia and am traveling to Hong Kong. When I first load my card; does this mean I am loading AUD or do I request to have HKD loaded and pay the appropriate fee at the time of loading. Am not quite sure how that works.

    • Staff
      May | February 23, 2017

      Hi Jane,

      Thank you for your inquiry.

      With the ANZ Travel Card, you can only load Australian dollars onto the account and then convert them to Hong Kong dollars (HKD). You can reload your card in any of the ways outlined above.


    • Default Gravatar
      | February 23, 2017

      Hi May, thank you for your reply. So, does that mean that I convert them to HKD online prior to traveling and is there a particular website to do that or is it done from the
      ANZ website?

    • Staff
      May | February 23, 2017

      Hi Jane,

      Thanks for getting back.

      Yes, you should convert your AUD funds first to HKD before you travel. You can convert them through the ANZ website. Simply click on the ‘Go to site’ button above to be redirected to the ANZ’s site.


  4. Default Gravatar
    Kelly | February 22, 2017

    Hi, I am in overseas now, I was wondering if I use my ANZ travel card withdrawing money from ATM, which button I should pressed on ATM, saving accounts or credit?


    • Staff
      May | February 22, 2017

      Hi Kelly,

      Thanks for your question.

      To withdraw cash from your ANZ Travel card using an ATM, you should choose “credit”.


  5. Default Gravatar
    Sharon | November 22, 2016

    How do I check that the pin is working with my ANZ travel card before I leave the country? Can I check the balance in an Aust ATM or will I be charged a fee?

    • Staff
      May | November 22, 2016

      Hi Sharon,

      Thanks for your question.

      When you receive your ANZ Travel card, you will automatically receive your PIN. You can try using your card in an ATM in Australia using the PIN and check your balance without incurring a fee.


  6. Default Gravatar
    Kallan | October 29, 2016

    I cashed in $10,000 about 3 months ago and I’ve just checked my account. I now have $9,183? Why is this?

    • Staff
      Jason | October 29, 2016

      Hi Kallan.

      Thank you for reaching out.

      You’ve come through to As a financial comparison service, we can’t check why there’s a deduction on the amount that you’ve cashed in.
      You’ll need to get in contact with ANZ for this concern. You can reach ANZ Travel Card Customer Service on 1800 094 003.


  7. Default Gravatar
    dee | October 10, 2016

    I currently have GBP on my card, how do I transfer this to CAD or USD on the same card for my next trip?

    • Staff
      Sally | October 11, 2016

      Hi Dee,

      Thanks for your question.

      You can transfer funds between currency wallets on your card via your online ANZ Travel Card account. You’ll just need your User ID and password to login to your account. Once you’re in there, there will be an option to transfer money between your currency wallets. You’ll be provided with a list of currencies you can transfer your existing funds to (including US and CAD) and you can select how much of the existing balance you’d like to move to the new currency wallet.

      I hope this has helped.



  8. Default Gravatar
    Barbara | September 19, 2016

    With an ATZ Travel Card, will there be charge for every time I use it even if its for buying a cup of coffee for example as well as a charge for using an ATM?

    • Staff
      Sally | September 19, 2016

      Hi Barbara,

      Thanks for your question.

      You’ll only be charged for purchases if you’re spending in a currency that isn’t the local currency and you incur a currency conversion fee of 3%. Otherwise, if you’re shopping in the US, for example, and have moved your loaded Australian dollars into a US currency wallet, you won’t be charged the currency conversion fee.

      You will also be charged when making an ATM withdrawal, but the fee will depend on the currency you’re withdrawing in.

      The current ATM withdrawal fees are 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.

      I hope this has helped.



  9. Default Gravatar
    Karen | September 11, 2016

    When will my card be ready … Ordered it on the 5/9/2016.

    • Staff
      May | September 12, 2016

      Hi Karen,

      Thanks for your inquiry.

      If you have successfully ordered your ANZ Travel Card online, you should be able to pick up your ANZ Travel Card from an ANZ branch or foreign exchange outlet within 5 business days. You will have to bring your identification along with you when you collect the ANZ Travel Card.


  10. Default Gravatar
    Clair | September 1, 2016

    I bought a travel card at the Kew branch yesterday and was told I could reload while travelling without a reload fee until the end of September. My husband is currently buying a travel card at the Swanston Street branch and they have not heard of this special. I looked online and it is ambiguous whether the special is only for reload of $3,500 plus or for an original load of $3,500 plus

    • Staff
      May | September 1, 2016

      Hi Clair,

      Thank you for your comment.

      ANZ has actually an exclusive offer for their existing ANZ customers who buy ANZ Travel Card. The offer is outlined below:

      1. Get your ANZ Travel Card in branch and the $11 card issuance fee will be waived. – Travel Card issuance fee waiver only available to ANZ customers who apply for a new Travel Card in a branch, and

      2. The reload fee of 1.1% of Value Purchased will be refunded when you load $3,500 or more via BPAY® before 30 September 2016. The fee will be refunded to the ANZ Travel Card within 2 business days after the reload has been credited to the ANZ Travel Card.

      This offer is valid until 30 September 2016.

      I hope this has answered your question.


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