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The Features That Business Travellers Should Look for in a Debit Card

Debit cards offer a number of benefits that cash and other forms of payments don’t.

Updated

Fact checked

When choosing debit cards available for business trips, you should look carefully at the specific cards that are suited to be used for this purpose. Business debit cards give you the convenience of using your own money to make business purchases wherever the card is accepted. It’s also linked to a business transaction account or business savings accounts so you have more control over your business banking while travelling.

Business Account Offer

NAB Business Everyday Account ($0 Monthly Fee Option)

NAB Business Everyday Account ($0 Monthly Fee Option)

Business Account Offer

$0 monthly account-keeping fee. Unlimited standard NAB electronic transactions. Tap and pay with your NAB Business Visa Debit and your smartphone using Apple Pay, NAB Pay, Samsung Pay or Google Pay.

  • Monthly account fee: $0
  • Linked debit card: Visa
  • Assisted transaction fee: $2.50
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Data indicated here is updated regularly
$
Name Product Card access ATM Withdrawal Fee Fee Free Deposit p.m. Monthly Account Fee
NAB Business Everyday Account ($0 Monthly Fee Option)
Visa
$0
$0
$0 monthly account-keeping fee.
Unlimited standard NAB electronic transactions.
Tap and pay with your NAB Business Visa Debit and your smartphone using Apple Pay, NAB Pay, Samsung Pay or Google Pay.

Commonwealth Bank Business Transaction Account ($0 Monthly Account Fee Option)
Visa
$0
$0
An everyday business transaction account with a no monthly account fee option and a linked Business Visa Debit card to help you manage your expenses. Make unlimited electronic transactions for free and receive customised alerts regarding your balances. Flexibility to switch to the $10 monthly account fee option and get 20 assisted transactions per month.
Westpac Business One Account - Low Plan
Mastercard
$0
$0
Unlimited free electronic transactions, 25 free staff-assisted and cheque transactions every month and a linked Business Debit Mastercard.
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Data indicated here is updated regularly
$
Name Product Card access ATM Withdrawal Fee Fee Free Deposit p.m. Monthly Account Fee
HSBC Everyday Global Account
Visa
$0
$0
Special offer: $100 cash bonus for new HSBC customers.
Earn 2% cashback on tap and pay purchases (T&C's apply).
Enjoy no minimum ongoing balance or transaction requirements and the flexibility to hold up to 10 currencies. Apple Pay and Google Pay available.
Westpac Choice
Mastercard
$0
$2,000
Special offer: $50 cash bonus for new customers (T&Cs apply).
$5 waivable monthly account fee.
Monthly account fee waived if you deposit at least $2,000 a month, are under 21 or if you meet other eligibility criteria. Access more than 50,000 ATMs globally for free via the Global ATM Alliance.
NAB Classic Banking
Visa
$0
$0
Enjoy convenient, unlimited access to your money.
$0 monthly account fee.

Tap and pay with your NAB Visa Debit card or your phone using Apple Pay, Google Pay, Samsung Pay or NAB Pay for Android. Temporarily block your card at the touch of a button if you lose it.
Suncorp Everyday Options Account
Visa
$0
$0
Link up to 9 interest-earning sub accounts.
$0 monthly account keeping fees.
Earn interest on your linked sub accounts to help you save for individual goals, with no account fees to pay. Make contactless payments using Google Pay and Apple Pay.
MyState Bank Glide Account
Visa
$0
$0
Simplify your everyday banking with these sleek digital features.
$0 monthly account fee.
Choose the way you pay with access to Google, Samsung and Apple Pay plus Fitbit Pay and Garmin Pay. Send and receive money in less than 60 seconds with PayID.
St.George Complete Freedom Account
Visa
$0
$2,000
Special offer: $50 cash bonus for new customers (T&Cs apply).
$5 waivable monthly account fee.
Monthly account fee waived if you deposit at least $2,000 a month. No account fees for students and customers under 21.
P&N Bank & Transaction Account
Visa
$0
$0
Pay no monthly account keeping fee with no ongoing deposit conditions to meet. Link your Visa Debit card to Apple Pay, Google Pay or Samsung Pay to make contactless payments with your phone, and use PayID to send and receive money instantly.
CUA Everyday Snap Account
Visa
$0
$0
Refund of international ATM withdrawal fees and international card transaction fees (conditions apply). Refund of overdrawn fees.
$0 monthly account fee. Unlimited fee-free everyday transactions.
Apple Pay, Google Pay and Samsung Pay available. Savings Top Up tool automatically transfers to linked savings account.
Citi Global Currency Account
Mastercard
$0
$0
Earn up to 0.9% p.a. interest on your AUD balance.
$0 monthly account fee.
Enjoy one linked debit card to hold up to 10 currencies and receive foreign currencies for free.
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What are the key considerations when travelling with a business debit card?

  • Security

    One of the most important features of your business travel debit card is security. All debit cards have a number of different security standards that they are required to adhere to. Whether it’s protected by Visa or Mastercard, the security that a debit card offers is the biggest reason why you should use a card for your travels instead of cash. Cash is extremely easy to steal, and if you lose it when you’re travelling, it’s going to be near impossible to replace.

    However, be mindful that your debit card is linked to your business transaction account, which means whoever is in possession of your debit card has access to all the funds in the account. If the worst case scenario the debit card does get stolen you’ll need to notify the relevant bank immediately.

  • Convenience

    Debit cards are also better suited for business travel because they are easier to handle than cash. Business travellers are in a unique situation because their work may take them all over the world. This makes using cash for business expenses less than ideal, because each of the places you may travel to may require a different currency. Keeping each form of currency in cash for every place that you will travel is simply more trouble than it is worth. If you use cash, not only do you have to worry about the potential security problems, but you also have to worry about having the right amount of the right currencies as well. You can also organise your money online, over the phone or in person wherever your debit card is accepted.

  • Currency exchange

    Using a debit card also saves you the trouble of exchanging your leftover currency back to Australian dollars. This can save you the fee involved in doing the exchange twice.

  • Complimentary insurance

    Some high tier debit cards in Australia also offer complimentary insurances such as overseas travel insurance, purchase protection and extended warranty. Although purchase protection and extended warranty usually only applies to purchases made in Australia, complimentary overseas travel insurance can greatly benefit you when travelling. Instead of paying for an external travel insurance policy, you can save by meeting the terms and conditions set out on the business debit card.

  • Fees

    If you’re a frequent flyer or traveller, your number one feature to look at in a debit card is international usage and the fees that apply to it. You want to make sure that the debit card company will not gouge you with fees if you use your card abroad.

    With a debit card, the hassle of working with other currencies is taken care for you because most debit cards in Australia only deal with Australian dollars. While you don’t have to worry about having a certain amount of a currency, you do need to worry about foreign transaction fees and ATM fees. Some debit cards don’t charge these fees, but most of them do.

Debit cards can be used where Visa and Mastercard are accepted, whether it’s an ATM or over the counter. They are linked to your business bank account and cards are generally protected against fraud by banks and other security agreements.

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