Access your own funds in China, pay in the local currency and save on fees with the Australia Post Load&Go China card.
The Australia Post Load&Go China card is a prepaid card designed exclusively for use in China. You can load it with Australian dollars as well as Chinese yuan. This card doesn’t attract any monthly account-keeping fees and you won’t have to fork out fees when loading or reloading the card. Plus, you can lock in the exchange rates when you load the funds on your card, meaning you won’t be stung by rate fluctuations while you’re travelling.
The Australia Post Load&Go card is not currently available via finder. Compare other pre-paid travel card and travel-friendly debit and credit card options below.
The Load&Go China card can hold both Australian dollars and Chinese yuan. You can reload the card in-store at an Australia Post office or online. If you load your funds in-store, you can use either cash or a debit card, and the funds will appear in your account immediately. Another option is to turn to your bank's online banking portal and add funds to your card using Pay Anyone. When you reload your card using this method, your bank's cut-off times come into play. These reloads can take up to two business days to reach your account. Your bank may also charge a fee for this service. Transferring added funds between currency wallets is easy using the secure Load&Go online system. If you make a purchase or an ATM withdrawal, the card looks for funds in the local currency first. If there are no funds in the corresponding wallet, it accesses funds from the other wallet.
Where can you use this travel card?
You can use this card in over 140 countries, anywhere you see the UnionPay symbol. This means you can use this card to withdraw cash from ATMs and to pay for purchases at Point of Sale (POS) terminals. UnionPay is accepted at more than 10 million merchants in China. If you're paying in a currency other than one held on the card, it looks to access funds from the Australian dollar wallet automatically. If the card does not hold Australian dollars, it uses funds from the Chinese yuan wallet.
You can use the Load&Go online platform to view your account balance and review your transaction history at any time. You can use it to move funds between currency wallets as well. This card lets you carry out a range of functions using its SMS service. By simply using your mobile phone along with a relevant text code, you can activate your card, check your balance, review transaction history as well as lock and unlock the card.
Security and emergency contact details
The card provider does not hold you liable for unauthorised transactions as long as you don't contribute to the loss in any manner. You can lock your card to prevent its misuse when you plan to not use it for an extended period. The card can then be unlocked at anytime. In the locked state, you cannot load funds onto the card. In case of an emergency, such as if your card is lost, stolen or damaged, you can request for an emergency cash transfer by speaking to a Load&Go customer service representative over the phone on 13 76 78.
Getting your card
Ordering. You can get the Australia Post Load&Go China card by visiting any participating post office. You can order one online as well. You have to provide your name, contact details, date of birth and details from an acceptable form of ID such as your passport or driver's licence.
Activating. Cards purchased in-store come activated. If you buy it online, you can complete the activation process online, by sending a text message or by calling customer assistance.
Loading. If you purchase your card in-store, you can load it using cash or your debit card. If you wish to load it online, turn to your bank's Internet banking platform. The minimum you can reload is $100 and the maximum limit is $10,000.
Benefits and drawbacks
Save on transaction fees. When you use this card to pay for products and services in Chinese yuan, you don't pay any transaction fees.
Backup card. You can choose to get a backup card even before you leave Australia. This way, if you end up losing, misplacing or damaging your card, you won't have to wait for the replacement card.
Exclusive discounts. As a cardholder, you become privy to a range of exclusive deals and discounts on travel, dining, shopping and more.
Holds only two currencies. Unlike some travel cards that let you hold up to 10 different currencies, this card lets you hold no more than two – Chinese yuan and Australian dollars.
Using the Australia Post Load&Go China prepaid card when you travel to the Orient can work in your favour. However, since a number of travel cards let you load Chinese yuan, compare your options first.Back to top
Before your application is complete, you need to verify your identification with Australia Post. You can use two primary documents, or one primary and one secondary document to verify your identification. Primary document:
Australian passport (current or expired less than two years)
Foreign passport (current)
Australian driver's licence (current)
Australian learner's permit (current).
Birth certificate (original or certified copy)
Tertiary student card (current)
Pension card (current issued by CentreLink)
Foreign driver's licence (current)
Utility bill (less than three months – electricity, gas, phone, water).
The activation method depends on how you purchased the card.
If you purchased the card from an Australia Post retail outlet, the card will be activated and ready to use when you get it
If you purchased your card online:
Activate the Load&Go China card through the Australia Post Online Card Manager
Activate the Load&Go China card using SMS Servicing
Activate the Load&Go China card by calling Australia Post customer support
If your Load&Go China card won't work for whatever reason, call the Load&Go China card customer service team. Some common reasons why your Load&Go China card won't work include:
Make sure you select 'savings' when you're trying to use your Load&Go China card to withdraw money from an ATM
Make sure that your card has not been blocked by the Load&Go China card customer service team. Sometimes, if the Australia Post team detect an unusual transaction, they may block your card.
If you need to speak to an Australia Post customer service representative about the Load&Go China card, call customer support. A customer service representative will be able to help you with the following:
Making a complaint
Dispute a transaction
Find about why your card is blocked
To report a lost or stolen card.
You may be required to enter your Load&Go China card ID when reloading your Load&Go China card using BPAY or Post Billpay. Your Load&Go China card ID is your 16-digit card number on the back of the card.
If you've lost or forgotten your six-digit PIN, you can retrieve your PIN via SMS. You will need to have registered your mobile phone to your account before you can use this service. The number can be found on the Load&Go website and you will need to SMS the following:
POST PIN [6 DIGIT ACCESS CODE] [LAST 4 DIGITS OF YOUR CARD NUMBER].
You can change your six-digit Australia Post Load&Go China card Card PIN at any time by accessing the Online Australia Post Load&Go China card Manager. Looking for the menu that says 'Manage Your Card' and choose 'Change PIN'.
The Australia Post Load&Go China card Access Code is a six-digit number you choose when you get the card.
There are a number of ways you can load money onto the Australia Post Load&Go China card. Reload the Australia Post Load&Go China card in-store using cash or EFTPOS when you first purchase the card. Reload the card using Internet banking. Log in to your Internet banking facility and look for the option that says 'Pay Anyone'. The details for making a payment to your Australia Post Load&Go China card using an electronic funds transfer are printed on the back of the card:
BSB: 980 222
Account number: nine-digit (Acc No.) printed on the back of your card.
Check your Australia Post Load&Go China card balance by logging onto the Australia Post Online Load&Go China card Manager, or you can check your Australia Post Load&Go China card balance using SMS. You can also call the customer support team, but fees and charges may apply.
You can use your Australia Post Load&Go China card to make a purchase online, in-store or you can make a cash withdrawal from an ATM.
To make a purchase at a merchant, make sure you select savings before you enter your PIN
Enter your account information to make a purchase online: including your 16-digit card number, expiry date and the three-digit CCV on the back of the card next to the signature panel. If you need to enter a billing address, enter the address of the places where you purchased the card, but this only applies if you've registered the card. And if you're asked for a cardholder name, enter the name 'Valued Cardholder'.
Sally McMullen is Finder's credit cards and frequent flyer editor by day and a music maven by night. Her byline can be spotted on Yahoo Finance, Dynamic Business, Financy and Mamamia as well as Music Feeds and Rolling Stone.
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