Australia Post Load&Go Travel Card Review

Rates and Fees verified correct on April 29th, 2017

Do you want to carry multiple currencies when travelling overseas? Consider getting the Australia Post Load&Go Travel card.

The Australia Post Load&Go Travel Card is a prepaid reloadable multi-currency Visa card. You can load five major currencies onto this card at any time. This gives you an easy way to access funds in local currencies when you travel outside Australia. This Australia Post travel money card is free to purchase and reload.

Available CurrenciesAUD, GBP, EUR, NZD, USD.
Multiple Currencies on One CardYes
Minimum Load Amount$100
Maximum Load Amount$10,000
Maximum Annual Load Amount$25,000
24 Hour ATM Cash Withdrawal Limit$2,500
Card Issue Fee$0
Initial Load Fee$0
ATM Withdrawal FeeAUD $2 equivalent
Reload Fee$0
Transaction Fee for Purchases$0.09
Card Replacement Fee$15
Currency Conversion Fee3%
Account Closing Fee$15
Available To Temporary ResidentsNo

Currencies and loaded currencies

Which currencies can I load on the card?

You can hold money you load to your card in five different currencies. When you travel to a region whose currency you hold on the card, the card uses the relevant currency automatically. For example, if you travel to the UK and your card has British pounds loaded, this is the currency your card would use.

Supported currencies

The five major currencies that the Australia Post Load&Go Travel Card supports include:

  • Australian Dollars (AUD)
  • New Zealand Dollars (NZD)
  • United States Dollars (USD)
  • Euros (EUR)
  • Great British Pounds (GBP)

Exchange rates

With Australia Post Load&Go Travel Card, you get the ability to lock in exchange rates before you travel. Since these rates change periodically, you get to know of the most up-to-date rates only before you load or reload your card. The Load&Go Travel Card section of the Australia Post website offers a currency calculator. You can use it to find out what exchange rates are currently available.

How to load funds on the card

You can load funds on the card in any of the following ways:

    • In store. Visit participating Australia Post Offices and load your card using cash or EFTPOS. These reloads are instant, so you’ll have immediate access to your money.
    • Online. You can load funds on your card by transferring money from a bank account via internet banking. You’ll need to follow the "Pay Anyone" instructions on the back of your card. Start a new “Funds Transfer” from a bank account. Enter the recipient BSB 880 101 and the recipient account number (the 9 digit account number located on the back of your card). If a recipient account name is required, you can use "Load and Go".

1. Start a new “Funds Transfer” from a bank account.

2. Enter the recipient BSB 880 101 and the recipient account number (the 9 digit account number located on the back of your card). If a recipient account name is required, you can use "Load and Go". 3. If a recipient account name is required, you can use "Load and Go".

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How much will the card cost me?

These are the main fees for the Australia Post Load&Go Card:

Main fees associated with the card
Card purchase$0 (mandatory to load upon purchase)
Reload fee$0
ATM withdrawal and balance enquiry fee$2 or its currency equivalent (additional ATM operator fees may also apply)
Foreign currency conversion fee3% of the transaction value (applies to transactions in currencies not held on the card)
Transaction fee for purchases in Australian dollars$0.09 per transaction (capped at $0.99 per 30 day period)
SMS servicing fee$0.25 per SMS
Automated phone servicing (IVR)$0.50 per enquiry
Calls to customer assistance (Live operator)$4
Online servicing$0
Card replacement, re-issue or cancellation fee$15
Emergency cash transfer fee$35
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Using your card

Ordering your card

You can get a Load&Go Travel Card by visiting your nearest participating Australia Post Office. To get this card you have to provide two forms of acceptable ID. To apply, you’ll have to provide your personal details, contact details, a six-digit access code and a memorable word that you will later use for identification purposes. Acceptable forms of ID include two primary photographic documents or one primary photographic document and one secondary document.

Activating your card

After you get your card and sign its back, you have to register it and retrieve its PIN. To register the card you have to provide some details:

      • Your 16 digit card number
      • The CVV code
      • The six-digit access code
      • The chosen memorable word
      • Your personal details
      • A nominated username and password

You’ll need a PIN to use your card for cash withdrawals and in-store purchases. You can get the PIN via SMS using the registered mobile phone or by speaking to a Load&Go Customer Support representative.

Loading funds on your card

  • Initial load. When you purchase a new Australia Post Load&Go Card you have to load it in-store with a minimum of $100. A maximum load limit of $10,000 applies.
  • Reload. The minimum and maximum load limits remains the same even when you’re reloading the card. If you wish to reload in-store you can do so using cash or EFTPOS. These reloads are instant. You also have the option of reloading your card through online banking using the "Pay Anyone" details listed on the back of your card. These payments take at least two business days.

Managing your card online

After registering your card you can visit the Australia Post Load&Go login page to manage your card. Once you gain access to the secure platform you can convert Australian dollars into any of the other four currencies. The online system lets you view your balance and transaction history. You can use it to transfer money between different currency wallets and it lets you prioritise your wallet funding order.


If your card has been lost, stolen or damaged, you’ll need to contact the customer support line as soon as possible on (+61) 1300 665 054.

Travel insurance

This prepaid travel money card does not come with any complimentary insurance cover. However, if you’re looking at getting travel insurance, Australia Post offers basic, comprehensive and multi-trip insurance for international travellers.

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Highlights and drawbacks


          • Flexible currency order. Unlike some travel cards, you can alter the currency order of your Load&Go card to match your needs.
          • Global acceptance. As the card is a Visa card, you can access your funds easily.
          • Locked-in exchange rates. As your funds are locked into the current exchange rates at the time of load or reload, you will be protected from negative currency fluctuations while travelling.


          • Limited available currencies. The Load&Go card only supports up to five currencies.
          • Australia Post service charge. Australia post charge $4 per call to customer service, which is considerably more expensive than some rivals.
          • Transaction fee. Whenever you use your Load&Go card to purchase goods or services, you will be charged at $0.09. This fee is capped at $0.99 per month starting from the date of first purchase. This fee does not apply when making withdrawals from an ATM.
Using the Australia Post Load&Go Travel Card when travelling overseas can simplify how you manage your finances. However, since there are other similar offerings out there, it is important that you compare a few.

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This page was last modified on 20 January 2017 at 10:53am.

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107 Responses to Australia Post Load&Go Travel Card Review

  1. Default Gravatar
    Seb | April 17, 2017

    I’ve been using your load and go over in the US for the last 3 weeks and it’s all been fine so far. But yesterday I transferred some money from my account and it still hasn’t come through. My bank account is showing that the money has been transferred, but nothing has come onto the load and go. Would it be anything to do with Easter?

    • Staff
      Harold | April 18, 2017

      Hi Seb,

      Thank you for your inquiry.

      Holiday/s on the previous week may affect the transfer duration. It would be nice if you can directly clarify this matter with your provider as they have direct access to your account. Through this, they can check further what happened to your fund transfer transaction.

      I hope this information has helped.


  2. Default Gravatar
    KEITH | April 2, 2017

    I have chosen Post and Go Travel card as I am travelling to Cuba in 3 weeks and have had problems on previous annual visits with Visa Credit cars and debit cards (Westpac and Bendigo Bank cards did not work last year although Westpac had worked each year up to 2014).
    Will I be able to access my funds using my Post & Go Travel Visa card?

    • Staff
      May | April 2, 2017

      Hi Keith,

      Thank you for your inquiry.

      Yes, you can use the Australia Post Load&Go Card in Cuba wherever Visa card is accepted for your ATM and purchase of goods or services in-store transactions. Though aside from Australia Post Load&Go Card, you may also like to check your other options for travel cards to be used in Cuba on this page.


  3. Default Gravatar
    Bob | January 18, 2017

    Can the Load & Go travel card be used to make online purchases from overseas sites, to get around the limitation some online retailers have of not accepting foreign cards?

    • Staff
      Anndy | January 18, 2017

      Hi Bob,

      Thanks for your question.

      You can use the Australian Post Load&Go travel card when shopping in-store and online. However, please note that when you use your card to make a purchase in unsupported currency, you’ll incur a currency conversion fee of 3%.


    • Default Gravatar
      | January 18, 2017

      OK thanks. Someone from Auspost told me the travel card only works when physically overseas, and for online purchases, one should use the AusPost Prepaid Rechargeable Visa Card.

    • Staff
      Anndy | January 18, 2017

      Hi Bob,

      Thanks for getting back.

      I’ve checked the product disclosure statement of the Australia Post Load&Go Travel Card and it says that it”…can be used anywhere in the world for cash withdrawals at ATMs displaying the Visa logo and for the purchase of goods or services in-store, online, over the phone from merchants (excluding some merchants) where Visa is accepted.

      Kindly note also that this card is a reloadable Visa Prepaid Card.


  4. Default Gravatar
    BBQ | December 29, 2016


    If we load excess money, how much does it cost to convert it back to Australian currency … may need to convert back for more than one currency.

    • Staff
      Anndy | December 29, 2016

      Hi BBQ,

      Thanks for your question.

      If you have funds remaining on your Australia Post Load&Go card, you can either exchange the money back into your Australian dollars currency wallet and withdraw the funds from an ATM or fill out the Load&Go balance redemption form to have the funds sent to you via an Australia Post Money Order. It doesn’t cost anything to convert your money or close the account, but you will be charged $1 every month a balance remains in your account following expiry.


  5. Default Gravatar
    Jay | November 17, 2016

    How to register load n go card?

    • Staff
      Anndy | November 17, 2016

      Hi Jay,

      Thanks for your question.

      You can register your card through Auspost website. Once you are there, just choose the ‘Register your card’ option under Manage your Card.


  6. Default Gravatar
    Yousef | October 11, 2016


    I want to purchase an airline ticket as a gift to someone, I want him to be able to change or refund if possible and so I want to use a card for this purchase and give him the card as a part of the gift so he can use the same card…

    Gift card load limits are normally low (either 500 or 1000 dollars), I want something with more loading limit but that does not need that person’s ID documents…

    Can I use my ID documents and get this travel card but give it to him? What problem would occur?

    Thanks in advance

    • Staff
      Sally | October 12, 2016

      Hi Yousef,

      Thanks for your question.

      Unfortunately, when you purchase a travel card, it needs to be under your name and shouldn’t be used by anyone but yourself.



  7. Default Gravatar
    daniel | October 7, 2016

    Who offers the best exchange rate Australia Post or Commonwealth Bank

  8. Default Gravatar
    mel | October 7, 2016

    What is the daily cash withdrawal limit?

    Thank you

    • Staff
      Anndy | October 7, 2016

      Hi Mel,

      Thanks for your question.

      The daily ATM withdrawal limit for Australia Post Load&Go Travel Card is $2,500.


  9. Default Gravatar
    mei | October 5, 2016

    hello, just wondering if people from China can transfer money onto the card directly online without any transition fee, do I just provide my card number to whoever is going to transfer the money?

    • Staff
      Sally | October 10, 2016

      Hi Mei,

      Thanks for your question.

      You can only load funds on the Australia Post load&Go via your online account or in-store if you’re the cardholder. So you can’t just externally transfer funds to the account as you would with a debit card, it needs to be managed within your account. Also, you can only load the Australia Post Load&Go card with Australian Dollars, which you can then transfer to the relevant supported currencies.



  10. Default Gravatar
    Heather | September 24, 2016

    At what point do you specify currencies required for the card? If I load an AUD amount and want only Euros, how do I lock in that conversion amount to Euro?

    • Staff
      Jonathan | September 27, 2016

      Hi Heather, thanks for your inquiry!

      When you recharge your card you can choose which foreign currency you are loading.



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