Australia Post Load&Go Travel Card review

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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
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 (EU)
  • 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.

1. Australian dollars (AUD)
2. New Zealand dollars (NZD)
3. US dollars (USD)
4. Euros (EU)
5. Great Britain pounds (GBP)
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, US$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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This page was last modified on 17 July 2017 at 1:17pm.

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124 Responses

  1. 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.

    • Staff
      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

  2. Default Gravatar
    HushpowerSeptember 12, 2017

    I accidentally purchased a Load and Go card, not a Load and Go “Travel”. Can I still use the card overseas, and if so, what exchange rate would be used, Auspost rate or Visa-determined? I won’t be buying a lot (<$500) so I am wondering if I can use the current card or should I get a L and G "travel" card? Thanks a lot.

    • Staff
      JonathanSeptember 12, 2017Staff

      Hello Hushpower,

      Thank you for your inquiry.

      Yes, Load and Go Reloadable Visa Prepaid Card allows cash withdrawals at ATM’s and purchases to be made wherever Visa Prepaid Cards are honoured for electronic transactions if a sufficient Available Balance exists. Foreign currency conversion fee of 3% of the Australian dollar amount of the transaction applies if card is used for purchases or withdrawals in any currency other than Australian dollars or purchases with any merchant located outside Australia. The Australian dollar amount of the transaction is calculated according to Visa’s prevailing
      exchange rate
      .

      You can refer to the Card’s Product Disclosure Statement for more information.

      Hope this helps.

      Cheers,
      Jonathan

    • Default Gravatar
      HushpowerSeptember 12, 2017

      Thanks very much, Jonathan.

  3. Default Gravatar
    LynnSeptember 12, 2017

    I have a new card , want to activate it and balance on Load&Go card

    • Staff
      MaySeptember 12, 2017Staff

      Hi Lynn,

      Thanks for reaching out.

      Just to confirm, have you bought your card directly from a participating Australia Post outlet? If so, your card should already be activated and ready for use. If you want to reload, you can do so in-store at a participating Australia Post outlet using either cash or EFTPOS. Other reloading options are via online through Post Billpay or bank transfer that typically takes up to two business days to process. Please also note that each load must be at least AUD$100 but no more than AUD$10,000.

      Furthermore, you can manage your card by registering your Australia Post Load&Go Travel card online.

      Hope this helps.

      Cheers,
      May

  4. Default Gravatar
    August 11, 2017

    I have a load and go travel card and wish to convert the balance to GPB from AUD. I cannot find on your website how to do this. Please could you advise me. Thanks
    Janet

    • Staff
      JonathanAugust 11, 2017Staff

      Hello Janet,

      Thank you for your inquiry.

      You may convert funds loaded to your card between different currency wallets by performing a transaction while travelling to lock in an exchange rate in advance. This can be done via their website which was mentioned on “Manage your online account” on this page. If you switched amounts from one currency wallet to a different currency wallet, a foreign exchange conversion will be performed at the prevailing exchange rate by Australia Post.

      Hope this helps.

      Cheers,
      Jonathan

  5. Default Gravatar
    LeeJune 21, 2017

    Hi, can I load in AUD and only use this for online purchases and local Aussie ATM withdrawal only? This will help me budget nicely. Basically to replace the other Australia Post Load&Go (non travel) card as there is a $999 limit.

    Also can friends or family members load my card with the BSB 880 101 number connected to my card from their own bank account? This would be useful too when splitting the bill and others can pay me this way. Thanks

    • Staff
      JonathanJune 21, 2017Staff

      Hi Lee!

      Yes, you can load in AUD currency and use it to buy online as long as it is supported by Visa. You may also withdraw money from local ATMs but take note of local operator fees which can be found in your card’s T&Cs.

      For the fund transfer, absolutely! Tell them to:

      1. Log in using their own bank’s website.
      2. Use “Pay Anyone” Feature
      3. Select “Fund Transfer”
      4. Enter BSB and your account # (at the back of your card)
      5. If asked for recipient’s name, input “Load and Go”

      Hope this helps.

      Cheers,
      Jonathan

  6. Default Gravatar
    chrisMay 25, 2017

    How Do I find the balance in my Load & Go Travel Card

    • Staff
      DanielleMay 26, 2017Staff

      Hi Chris

      Welcome to http://www.finder.com.au – We are a financial comparison website and general information service designed to help consumers make better decisions. Please note that we are not affiliated with any company we feature on our site and so we can only offer a general advice

      You can visit the Australia Post Load&Go login page to manage your card. The online system will let you view your balance and transaction history.

      I hope this helps.

      Cheers,
      Danielle

  7. Default Gravatar
    RobertApril 30, 2017

    When I top up my card by using “pay anyone” on my bank account, I am not asked to give a reference number. How does Load and Go know the transfer has come from me, and credit to my card?

    • Staff
      HaroldMay 1, 2017Staff

      Hi Robert,

      Thank you for your inquiry.

      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”.

      I hope this information has helped.

      Cheers,
      Harold

  8. Default Gravatar
    anonApril 18, 2017

    Also regarding the BSB, I used the one at the back of my card . But this website said to use “BSB XXX XXX”. Is there going to be a problem with the money transfer?

    • Staff
      HaroldMay 4, 2017Staff

      Hi Amy,

      Thank you for your inquiry.

      If you are trying to 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”.

      I hope this information has helped.

      Cheers,
      Harold

  9. Default Gravatar
    SebApril 17, 2017

    Hi,
    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?
    Thanks.

    • Staff
      HaroldApril 18, 2017Staff

      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.

      Cheers,
      Harold

  10. Default Gravatar
    KEITHApril 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
      MayApril 2, 2017Staff

      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.

      Cheers,
      May

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