Australia Post Load&Go Travel Card review

Lock in exchange rates and spend in up to five foreign currencies with a prepaid Visa card.

The Australia Post Load&Go Travel offers a reloadable Visa prepaid travel card that lets you load and spend up to five currencies. Lock in foreign currencies prior to travel, then use your Load&Go Travel card at international merchants and ATMs wherever Visa is accepted. The card is free and you can manage and reload it online at any time for free too.

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
Balance Enquiries$2
Card Replacement Fee$15
Currency Conversion Fee3%
Account Closing Fee$15
Available To Temporary ResidentsNo

What currencies can I load on the Australia Post Load&Go Travel card?

The Australia Post Load&Go Travel card supports:

  • Australian dollars (AUD)
  • New Zealand dollars (NZD)
  • United States dollars (USD)
  • Euros (EUR)
  • Great Britain pounds (GBP)

You can hold all five currencies on your card up to a maximum balance of AUD$10,000. All funds are loaded on your card in Australian dollars, after which you may transfer them into different currency wallets. They’ll then be locked in at the current exchange rate determined by Australia Post.

When you transact in one of the five supported currencies, the relevant currency wallet will automatically be debited for the transaction amount. Where that currency wallet has an insufficient balance, your next currency wallet will be debited according to your currency order or “wallet funding order”. You may set your own wallet funding order via the website but the “default wallet funding order” will apply if you don’t.

To illustrate how this currency order works, imagine that you’re charging your card for a meal in Christchurch for NZ$120. Your currency wallet balances are as follows: AUD$20, NZD$50, USD$2,000. Your New Zealand currency wallet will automatically be debited and because its balance is insufficient, your Australian currency wallet will be debited next by converting AUD$20 into New Zealand dollars. Since that too is insufficient to complete the transaction, your US currency wallet will be debited for the remainder. Daily Australia Post exchange rates are applied to all such currency conversions, although no currency conversion fee or transaction fee would apply in this scenario.

However, if you were to use your Load&Go Travel card to pay in an unsupported currency, a 3% foreign currency conversion fee and AUD$0.09 transaction fee would apply.

Where can I use my Australia Post Load&Go Travel card?

The Australia Post Load&Go Travel card can be used online and in-store, over the phone and at any ATM where Visa prepaid is accepted. It may not be used for any illegal transactions, gambling transactions, direct debits, purchasing money orders, transacting with financial institutions or pawn shops. When paying for petrol, you may use your card at the station counter but not at the automatic pump.

Features of the Australia Post Load&Go Travel card

The main features and benefits of the card are:

  • Locked-in exchange rates. Enjoy peace of mind and certainty by locking in exchange rates and protecting your budget from currency fluctuations.
  • Worldwide ATM alliance. Access your money at any ATM in the world wherever Visa prepaid is accepted.
  • Online management. Manage your account online via the Load&Go Travel website where you can freely check your balance and transaction history, transfer funds between currency wallets, change your wallet funding order and manage other account settings.
  • Phone and SMS services. You may also check your account balance and transaction history by calling (+61) 1300 665 054 or by texting 0457 777 678. Fees and charges may apply.
  • Account and transaction limits. Your account balance cannot exceed AUD$10,000 or equivalent and your daily ATM withdrawals cannot exceed AUD$2,500 or equivalent, further subject to ATM operator limits.

How much does the Australia Post Load&Go Travel card cost?

These are the associated card costs and when they may apply:

Type of feeCostWhen you’ll be charged
Purchase fee$0The card doesn’t come with a purchase fee but you must load the card with at least AUD$100 at the time of purchase
Reload fee $0You won’t be charged for topping up your balance
Transaction fee$0.09 per transaction, capped at $0.99 per 30-day periodEach time you make a purchase in Australian dollars or any other currency not supported on the card, except ATM withdrawals
Foreign currency conversion fee3% of AUD transaction valueWhen you use your card to transact in a foreign currency not supported on the card
ATM withdrawal feeAUD$2 or foreign equivalentEach time you make a cash withdrawal or balance enquiry at an ATM. Additional ATM operator fees may apply
Card renewal/expiry fee$15When your card expires and a new card is issued, provided your card balance is more than $15 and you registered your name and Australian mailing address on the website
Card replacement fee$15When you request a new card to replace your lost, stolen or damaged one
Closure/cash-out fee $15When you request to close your account and are paid any remaining funds
Unauthorised transaction enquiry/card dispute fee$20When you request investigation of an unauthorised transaction and the transaction is later found to have been authorised
Emergency cash transfer fee$35When you request emergency assistance in the event your card is lost, stolen or damaged, provided you have sufficient card funds to cover both the emergency cash transfer and this fee
SMS service fee$0.25When you check your balance or transaction history, activate, lock or unlock your card, or receive load notifications via SMS. Fees will not be charged when SMS pertains to PIN, minimum balance or fraud notifications
Phone servicing fee
  • Automated voice service: $0.50
  • Call centre operator: $4
When you check your balance or transaction history on the phone. Fees will not be charged when call pertains to PIN retrieval, reporting lost or stolen cards, unauthorised transactions or card disputes

How to use the Australia Post Load&Go Travel card

These steps will provide guidance on how to use your card:

  • Activating the card. Cards purchased directly from a participating Australia Post outlet will be activated and ready for use, unless delays are caused by high peak period transaction volumes. Replacement cards must be activated by calling (+61) 1300 665 054 or via SMS.
  • Loading funds on the card. Your initial load at the time of purchasing the card must be at least AUD$100. You may instantly reload in-store at a participating Australia Post outlet using either cash or EFTPOS. You may also reload online via Post Billpay or bank transfer, which generally take up to two business days to process. Each load must be at least AUD$100 but no more than AUD$10,000. Your cumulative load over any 12-month period cannot exceed AUD$25,000.
  • Managing your online account. Register yourAustralia Post Load&Go Travel card online to enjoy free and easy online account management. Log into your account at any time to view your card balance and transaction history, transfer funds between currency wallets, manage currency and other account options. You may also renew your card online and transfer any remaining balance upon card expiry.

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

You may choose to keep the foreign currencies on your card for future use, or convert them back into Australian dollars to be withdrawn at an ATM. Note that a $2 ATM fee and an additional ATM operator fee may apply. Alternatively, you could close your account and have the remaining funds paid back to you, but bear in mind that a $15 card closure fee applies.

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

You should immediately call (+61) 1300 665 054 to report a lost, stolen, damaged or compromised card. A replacement card or emergency cash transfer can be arranged, subject to fees.

How to apply for an Australia Post Load&Go Travel card

You can apply for a card on-the-spot at any participating Australia Post outlet. As long as you satisfy the identification verification requirements and make a minimum initial load of $100 in Australian dollars, you will be issued a card and PIN to be retrieved by calling (+61) 1300 665 054 or via SMS. Memorise and keep this PIN safe, and sign the back of your card before using it.

Are there any eligibility requirements?

  • Only Australian residents may apply.

The Australia Post Load&Go Travel card is a no-frills option for the seasoned traveller. However, due to its many associated fees and limited currency selection, you may wish to compare other available options before deciding on the travel card that will best serve your needs.

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142 Responses

  1. Default Gravatar
    EmilyMay 9, 2018

    Hi, I’m just wondering if I can do online money transfers on to my load&go from my bank account while I am overseas and if there is a fee?

    • finder Customer Care
      JoelMay 9, 2018Staff

      Hi Emily,

      Thanks for leaving a question on finder.

      As long as there is internet connection from where you are, you can transfer funds to your Load and Go card anytime. If your bank account is outside Australia, there is a Foreign currency conversion fee of 3% of AUD transaction value.

      Cheers,
      Joel

  2. Default Gravatar
    johnMay 8, 2018

    Is the card available for immediate collection at a post office

    • finder Customer Care
      AshMay 8, 2018Staff

      Hi John,

      Thank you for contacting finder.

      Yes, you can go to the nearest AustPost Office near your location to purchase a Load&Go Travel card. Kindly ensure that you will bring 2 valid IDs when purchasing the Travel Card. After which, you may reload your card via online or their Lock&Go App.

      You may register your card online for easier accessibility of its services as well as your remaining balance.

      I hope this helps.

      Let us know if there is anything else that we may assist you with.

      Cheers,
      Ash

  3. Default Gravatar
    JohnMay 6, 2018

    Total card balance query. Had total $5069.91 in Aus wallet, transferred $2500 to GB pounds at 0.53 no fee. Now total card balance reads $4776.70 seem to have lost $293.21, could you please explain?

    • finder Customer Care
      JeniMay 6, 2018Staff

      Hi John,

      Thank you for getting in touch with finder.

      Please note that your Load&Go travel card also incur a currency conversion fee of 3%. If you are in doubt or have no idea with the missing amount which is at $293.21, you may also check your balance or transaction history by logging in via Load&Go Online or with the Load&Go App. You may also call Load&Go Customer Support team 24/7 on (+61) 1300 665 054 and follow the prompts. Fees and charges will apply.

      As a friendly reminder, while we do not represent any company we feature on our pages, we can offer you general advice.

      I hope this helps.

      Have a great day!

      Cheers,
      Jeni

  4. Default Gravatar
    ShaneApril 30, 2018

    Hi im trying check Balance iron travel card i cant

    • finder Customer Care
      NikkiApril 30, 2018Staff

      Hi Shane,

      Thanks for your message and for visiting finder – the leading comparison website & general information service built to give you advice in your buying decision needs. How are you doing today?

      To answer your question – Hi im trying check Balance iron travel card i cant. Below are ways on how to check your balance:

      Online management. Manage your account online via the Load&Go Travel website where you can freely check your balance and transaction history, transfer funds between currency wallets, change your wallet funding order and manage other account settings.
      Phone and SMS services. You may also check your account balance and transaction history by calling (+61) 1300 665 054 or by texting 0457 777 678. Fees and charges may apply.

      Hope this helps! Feel free to message us anytime should you have further questions.

      Thanks,
      Nikki

  5. Default Gravatar
    SarahMarch 27, 2018

    Hi
    I have just purchased a load and go travel card from Aust Post with $100 AUD.
    Before heading to France do I need to convert the $100 AUD to Euros or will this be done automatically on each transaction in France?

    • finder Customer Care
      JeniMarch 27, 2018Staff

      Hi Sarah,

      Thank you for getting in touch with finder.
      Yes, you have to convert it to euro before you head to France.

      I hope this helps.

      Have a great day!

      Cheers,
      Jeni

  6. Default Gravatar
    TeporaMarch 26, 2018

    Hi there,

    Can I use this card in Nepal?

    • finder Customer Care
      JeniMarch 26, 2018Staff

      Hi Tepora,

      Thank you for getting in touch with finder.
      Yes you can use that travel card in Nepal however if you use your Load&Go Travel card to pay in an unsupported currency, a 3% foreign currency conversion fee and 0.09 AUD transaction fee would apply.

      I hope this helps.

      Have a great day!

      Cheers,
      Jeni

  7. Default Gravatar
    jeanMarch 5, 2018

    Can this card be used in United Kingdom stores/service stations etc where they accept eftpos?

    • finder Customer Care
      LouMarch 5, 2018Staff

      Hi Jean,

      Thank you for your question.

      Yes, you may use this card in the United Kingdom wherever Visa is accepted.

      Cheers,
      Anndy

  8. Default Gravatar
    November 1, 2017

    I have some cash can I add to my loadandgo travel card?
    Thank you

    • finder Customer Care
      HaroldNovember 1, 2017Staff

      Hi Christopher,

      Thank you for your inquiry.

      Reloading options are via online through Post Billpay or you may opted via bank transfer. But it will typically take up to two business days to process. Please note that each load must be at least AUD$100 but no more than AUD$10,000.

      I hope this information has helped.

      Cheers,
      Harold

  9. Default Gravatar
    PetaOctober 25, 2017

    How can I get a pin number for my travel card?
    Thanks

    • finder Customer Care
      JhezelynOctober 26, 2017Staff

      Hi Peta,

      Thank you for your comment.

      The PIN of the Australia Post Load&Go Travel card can be retrieved by calling (+61) 1300 665 054 or via SMS. Please be mindful to memorise and keep the PIN safe, and sign the back of your card before using it.

      Regards,
      Jhezelyn

  10. Default Gravatar
    englightenSeptember 15, 2017

    I have purchased a prepaid Visa Card and it worked fine for a few weeks. Reloading card worked instantly directly through my bank account. But now I am unable to reload my card and I receive an error message: “ID verification required” No other explanation. I have previously ID myself at the Australia Post branch when purchasing this card. I have also written an email to the “help line” but was told they couldn’t be of assistance and I should call a certain phone number. I have called this phone number only to be on hold again and again and again. I simply cannot reload the card through MY OWN BANK ACCOUNT – even though this feature worked fine previously !!!! Please enlighten me.

    • finder Customer Care
      JhezelynSeptember 15, 2017Staff

      Hi Enlighten Me,

      Thank you for your comment.

      If you can’t use internet banking to reload the card that’s ok, you can go in store into any Post Office with the card and do it there.

      You may also need to contact Customer Service Line which is found on the back of the card so they can look into this issue for you.

      Regards,
      Jhezelyn

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