ANZ Travel Card

ANZ Travel Card
ANZ Travel Card
  • Load up to 10 currencies
  • Lock in your exchange rates
  • No overseas transaction fees

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, USD, CAD, EUR, GBP, HKD, JPY, NZD, SGD, THB
Multiple Currencies on One Card?Yes
Number of Cards Issued2
Minimum Load Amount$200
Maximum Load Amount$50,000
Maximum Load Amount (Annual)$50,000
24 Hour ATM Cash Withdrawal Limit$3,000
24 Hour Purchase (POS) Transaction Limit$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
Inactivity Fee (Monthly)$0
Transaction Fee (for Purchases)$0
Card Replacement Fee$0
Currency Conversion Fee4%
BPAY Reload Fee$0
Account Closing Fee$0
Available to Temporary Residents?No

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
    • EUR 2.2
    • NZD $4.50
    • CAD $3
    • HKD $20
    • SGD $4
    • 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.

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    204 Responses

    1. Default Gravatar
      MVGJuly 25, 2019

      Can you load Chilean Pesos? If not, will there be a 4% charge for conversion? What are the benefits of this card vs a visa card?
      It seems that this card incurs the same fees as a normal credit card.

      • Avatarfinder Customer Care
        AshJuly 26, 2019Staff

        Hi MVG,

        Thank you for contact Finder.

        No, you cannot load Chilean Peso with the ANZ Travel Card as it only offers 10 currencies:

        1. Australian dollars (AUD)
        2. US dollars (USD)
        3. Great Britain 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)

        Yes, if you are going to use the ANZ Travel Card there will be a 4% Currency Conversion Fee if the currency is not one of the above. The ANZ Travel Card is a Visa Card as you can use it wherever Visa is accepted. The difference of the ANZ Travel Card to other Visa Card will depend on the type of Visa Card that you will compare it to. The ANZ Travel Card is not a Credit Card but a Prepaid Travel Money Card as you can load it up to be able to use the different currencies.

        I hope this helps.

        Please do not hesitate to reach out again to us if you have additional questions.


    2. Default Gravatar
      BJMay 6, 2019

      My first stop over is Dubai and their currency dirham is not on your list. I have already placed euro and pounds on my card.
      I would like to have some dirham cash. But to use Uber, I need dirham on my travel card to pay. Uber do not accept cash. How do I get dirham currency? I fly out 4 days. Thanks

      • Avatarfinder Customer Care
        MaiMay 7, 2019Staff

        Hi BJ,

        Thank you for reaching out.

        Since dirham is not supported by ANZ travel card, you can still use it it to pay for Uber as long as they support Visa prepaid cards.The AUD stored on your card will be converted to the equivalent amount charged in dirham and you will be charged 4% of converted AUD value.

        You also have an option to buy a different travel card that supports AED if you wish. You can check Travel Money Guide: UAE for more information.

        Hope this helps! 😊

        Kind Regards,

    3. Default Gravatar
      MargApril 12, 2019

      I’m traveling to Europe and would like to change the order of currencies in my wallet so that Euro is the first currency used. How do I do this?

      • Avatarfinder Customer Care
        AshApril 14, 2019Staff

        Hi Marg,

        Thank you for contacting Finder.

        You cannot change the order of currencies as it is the default arrangement. But if you will only use Euro during your trip, you may specifically reload your ANZ Travel Card with Euro. Reloading your card may either be through online, over the phone via BPAY or at any ANZ Foreign Exchange Centre.

        I hope this helps.

        Please do not hesitate to reach out again if you have additional questions.


    4. Default Gravatar
      SamFebruary 25, 2019

      Hello, we are travelling to Iceland soon and want to know the best way to use money… we have an ANZ Visa linked to a savings acct and also an ANZ Travel Card. Iceland currency is not available on the travel card. We are confused about the fees in using either card and want to know the best option. Is there anyway overseas we can put money on the travel card quicker than B Pay. I cant believe that we cant transfer direct from anz acct to anz travel card. Its a shame really.

      • Avatarfinder Customer Care
        NikkiFebruary 26, 2019Staff

        Hi Sam,

        Thanks for getting in touch! There are 3 ways to reload your ANZ travel card: Using BPAY® via Internet or Phone Banking. There is an unsupported currency fee of 4% of converted AUD value and this will be charged when you use your card in a currency that is not available to be stored on it.

        Hope this helps!


    5. Default Gravatar
      RoshJanuary 17, 2019


      Do I need to be an existing ANZ customer to purchase one of these travel cards? Also, at the top of the page it says you cannot reload the card with more funds after the initial load then further on it says you can, which one is it? Can I put more money onto the card later on in my travels if needed to be?


      • Avatarfinder Customer Care
        JeniJanuary 22, 2019Staff

        Hi Rosh,

        Thank you for getting in touch with finder.

        You may apply for this ANZ Travel Card even if you’re not an existing ANZ customer. You can get this ANZ Travel Card by visiting an ANZ branch or by ordering it online. You may reload at anytime. Reloads have no minimum limits but cannot exceed AUD$50,000 per year.

        I hope this helps.

        Thank you and have a wonderful day!


    6. Default Gravatar
      BrianDecember 19, 2018

      Hi I loaded funds to my ANZ travel 4 days ago via BPay they are still not there can you tell me why?

      • Avatarfinder Customer Care
        MayDecember 20, 2018Staff

        Hi Brian,

        Thanks for your question.

        Sorry to hear that. Basically, when you load your ANZ Travel card via BPay, it will take up to 3 ANZ business days excluding weekends. So this could be the reason why until the 4th day, you’re still waiting for the credit. Hopefully, the funds already loaded to your account at the time of this writing.

        In case that the money is still not loaded successfully, please contact ANZ as soon as you can.

        Hope this has helped.


    7. Default Gravatar
      JodieDecember 17, 2018

      Are regional ANZ branches able to accept money to load on to the card?

      I do not particularly want it for travel yet, mainly for online shopping. But we are regional and I don’t know if it will work for me. I also want to get one for my elderly parents for online shopping.

      • Avatarfinder Customer Care
        JohnDecember 19, 2018Staff

        Hi Jodie,

        Thank you for reaching out to finder.

        There are 3 ways to reload your ANZ Travel card. Please see below:

        Using BPAY® via Internet or Phone Banking
        *reloads will take up to 3 business days to be processed.
        Reload at Australia Post outlets that provide the Post Billpay service by presenting the card (up to $9,000 in a single transaction).
        By visiting one of our ANZ Foreign Exchange Centres within Australia you can load funds immediately onto your ANZ Travel Card.

        Hope this helps!


    8. 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.

      • Avatarfinder 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!


    9. 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


    10. 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?

      • Avatarfinder 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!


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