Commonwealth Bank Travel Money Card Review

Rates and Fees verified correct on December 9th, 2016

Do you want a travel money card that lets you load multiple currencies at the same time? Find out about your options with CommBank here.

The Commonwealth Bank Travel Money Card is a prepaid card that lets you load and use up to 13 foreign currencies at any one time. When you add funds, you get to benefit from locked-in rates. Find out more about this card's features and how to apply here.

Available CurrenciesAUD, CAD, EUR, GBP, HKD, JPY, NZD, SGD, THB, USD, VND, CNY, AED
Multiple Currencies on One CardYes
Number of Cards Issued2
Minimum Load Amount$1
Maximum Load Amount100,000
24 Hour POS Transaction Limit$1,000
Card Issue Fee$15
Initial Load Fee$0
ATM Withdrawal FeeAUD 3.50, CAD 3.00, EUR 2.20, GBP 2.00, HKD 17, JPY 220, NZD 3.50, SGD 3.50, THB 80.00, USD 2.50, VND 50000
Reload Fee$0
Transaction Fee for Purchases$0
Balance Enquiries$0
Card Replacement Fee$15
Currency Conversion Fee0%
Account Closing Fee$0
Available To Temporary ResidentsNo

Reloading funds and currencies

You can load and use up to 13 currencies on your Travel Money Card, allowing you to lock in exchange rates before you go overseas or while you're away. When you travel to a country and have its currency loaded on your account, the card will automatically use that currency. This gives you a way to avoid foreign currency conversion fees that are common with credit and debit cards.

Supported currencies

Here are the currencies you can load onto your Travel Money Card.

  • United States dollars (USD)
  • Euros (EUR)
  • Great British pounds (GBP)
  • Australian dollars (AUD)
  • Japanese yen (JPY)
  • New Zealand dollars (NZD)
  • Hong Kong dollars (HKD)
  • Canadian dollars (CAD)
  • Singapore dollars (SGD)
  • Thai baht (THB)
  • Vietnamese dong (VND)
  • Chinese renminbi (CNY)
  • Emirati dirham (AED)

Currency order

A currency order applies if you draw money in a currency you haven't preloaded on the card. You can change this currency order online or over the phone. The default order is:

1. United States dollars (USD) 2. Euros (EUR) 3. Great British pounds (GBP) 4. Australian dollars (AUD)  5. Japanese yen (JPY)  6. New Zealand dollars (NZD) 7. Hong Kong dollars (HKD) 8. Canadian dollars (CAD) 9. Singapore dollars (SGD) 10. Thai baht (THB) 11. Vietnamese dong (VND) 12. Chinese renminbi (CNY) 13. Emirati dirham (AED)

Exchange rates

CommBank sets exchange rates for loading, reloading and closure of Travel Money Cards. The applicable rate is its retail foreign exchange rate at the time of the transaction. You’ll get a quote for the latest rate at the time of loading or reloading your card.

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Where can you use the card?

This card can be used at millions of locations around the world, both in-store and online. As of 3 October 2016, the CommBank Travel Money Card is a Visa product and can be used anywhere Visa is accepted. Travel Money Cards issued prior to 3 October 2016 were MasterCard products, and can be used anywhere MasterCard is accepted.

When using the card for ATM withdrawals or EFTPOS purchases overseas, you'll just need to select "credit" and enter your PIN to complete the payment.

How much will the card cost me?

The Travel Money Card offers several fee-free services, but you have to pay fees in some situations. These include:

Main fees associated with
Commonwealth Bank Travel Money Card
Card issue fee$15
Initial load fee$0
Reload fee$0
Transfer between currencies$0
Purchase transaction fee$0
ATM withdrawal feeA cash withdrawal fee applies, which varies depending on currency you’re withdrawing.
The fee applies in the currency you withdraw the cash. Here’s the full list: AUD 3.50, CAD 3.00, EUR 2.20, GBP 2.00, HKD 17, JPY 220, NZD 3.50, SGD 3.50, THB 80.00, USD 2.50, VND 50000
ATM balance enquiry fee$0
MS alerts fee$0
Emergency cash advance fee$0
Transfer to Commonwealth Bank transaction account fee$0
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Managing your card

Commonwealth Bank gives you several different options for ordering and managing your card.

  • Ordering your card. You can apply for the Travel Money Card online or by visiting any Commonwealth Bank branch. If you are an existing CommBank Gold, Platinum or Diamond credit card customer, a Platinum Debit MasterCard customer or a student, the bank waives the card issue fee if you apply in branch. You should receive your card via mail within six business days, at which time you can also view its details via NetBank. Delivery outside metropolitan areas may take longer. Note that you must be at least 14 years of age to apply for this card.
  • Loading funds on your card. You can load and reload funds onto your Travel Money Card anytime via NetBank or the CommBank app. You can add funds via BPAY, in a CommBank branch or by calling 1300 660 700 in Australia or (+61) 9999 3283 from overseas. The minimum reload per currency is AUD$1 and the maximum is AUD$100,000.
  • Activating your card. If you apply at a branch, the bank activates your card automatically. You can then set up the PINs for your primary and backup cards in branch, online or over the phone. If you apply online, you’ll have to activate the card and set up a PIN before you can use it. You can do this online using your Travel Money Card and a six digit registration code that you are prompted to choose when you purchase the card.
  • Online account management. CommBank's mobile app and NetBank Internet banking services give you the ability to monitor your card’s activity from any Internet-enabled computer or smartphone. When logged into your account, you can perform a range of tasks, including changing your PIN, checking balances in different currencies, viewing your transaction history, reloading the card, transferring between currencies, transferring to and from Commonwealth Bank accounts, and changing the currency order. You can also lock and unlock your card.

Security and emergency contact details

The Travel Money Card is protected by chip, PIN and signature technology, as well as 24/7 fraud monitoring. When you get a Travel Money Card, you automatically receive two cards. This means if your card is lost or stolen, you will have a spare one you can use in the meantime.

If your card has been lost or stolen you can contact the customer service team 24 hours a day, 7 days a week on:

  • Within Australia: 1300 660 700 (local call).
  • Outside Australia: +61 2 9374 0609* (call charges apply).
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Getting your card

  • Ordering your card. You can either order your card in person or through your NetBank. If you’re a Gold, Platinum and Diamond credit card holder, a Platinum Debit MasterCard customer or a student, the purchase fee will be waived. Cards purchased through NetBank will take around five business days to arrive.
  • Activating. If you purchased your card in a branch, it will be activated on the spot and you can set up your PINs for both the main and spare card. If you ordered it through NetBank, you’ll need to contact the customer service team to activate your cards and confirm your PINs.
  • Loading funds. Once you’ve received and activated your card, you can start loading funds onto your account. There are several options for this:
    • Online transfer. You can transfer funds from an eligible Commonwealth Bank transaction account via netbank. You’ll need to log on to NetBank, go to the "Transfers & BPAY" page and select the transaction account you’d like to transfer from.
    • Phone transfer. You can call the Travel Money Customer Service Centre and transfer funds from an eligible Commonwealth Bank account.
    • BPAY. Use the BPAY Biller Code 113167 and enter your customer reference number which is your 16-digit Travel Money Card number.
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Benefits and drawbacks


  • Multiple currencies. The Commonwealth Bank Travel Money card offers one of the largest ranges of currencies in the Australian prepaid travel card market. For example, this is currently the only card that let’s you load Vietnamese Dong, Chinese Renminbi and Emirati Dirham.
  • No currency conversion fees. Even if you’re spending in an unsupported currency or a currency that isn’t loaded on your card, you won’t be charged currency conversion fees. The rate applicable to the conversion is the retail foreign exchange rate at the time of the conversion.
  • Worldwide account access. You can manage your Travel Money card through your NetBank account or via the CommBank app. This means you’ll have no trouble checking your balance and transferring currencies on the go.


  • ATM fees. You’ll be charged every time you use your card to withdraw from an ATM. CommBank also doesn’t have an international ATM alliance, which means you could be charged twice – once by CommBank and once by the foreign ATM provider.
  • No rewards. The Travel Money Card doesn’t come linked to a rewards program, so you can’t earn points as you spend.
  • Card issue fee. There is a $15 issue fee for this card. If purchased at a Commonwealth Bank branch, the card issue fee will not apply for full-time primary, secondary or tertiary students, existing CommBank Gold, Platinum or Diamond credit card customers or Platinum MasterCard debit card customers.

The CommBank Travel Money Card is designed to help you manage your finances easily when you travel overseas, allowing you to lock in exchange rates and access up to 13 currencies at a time. But there is a wide range of travel money cards on the market, so make sure you compare your options carefully to find one that suits your needs.

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Frequently asked questions

How can I manage my Travel Money Card while I'm overseas?

You can manage your card through NetBank (Commbank's Internet banking service), the CommBank app and also through SMS alerts and phone banking.

What happens if I lose my card?

Your Travel Money Card comes with a backup card in the case the first one is lost or stolen. If you lose your primary card, contact CommBank on (61+) 1300 660 700 (open 24 hours a day 7 days a week). The lost or stolen card will then be blocked, and the backup card activated so you still have access to your funds.

If both cards are lost or stolen, you can arrange for replacement cards to be sent o you. There is a fee of $15 when you request that replacement cards be issued. This is debited from the funds in your account. Provided that you have not changed the default currency order, the currency which is highest in the currency order will be debited when you order a replacement card. If you desperately need funds, you can also access an emergency cash advance for no extra fee.

How do I redeem remaining funds on my travel money card when I return home?

If you have funds remaining on your card when you return home, you have a couple of options for getting the money off your card.

You can withdraw the funds from a Commonwealth Bank or Bankwest ATM in Australia for no charge, or you can use the card to make over-the-counter purchases. If you don’t have money in your Australian currency wallet, a currency conversion fee of 2% will apply.

You can also transfer funds back to Australian dollars via NetBank or by calling the CBA customer service centre on (+61) 1300 660 700. You can also close your card and redeem the funds on the card in a CommBank branch.

What can I do if my Commonwealth Bank Travel Money Card is not working at the ATM?

If your travel money card is not working at the ATM, double check the following things:

  • The ATM accepts MasterCard cards.
  • You have the correct PIN and you’re not using the 6-digit registration code - if you enter an incorrect PIN three times in a row, your card will be locked.
  • That you have activated the card.
  • You’re not trying to withdraw more than your available balance, or that you haven’t exceeded your transaction limits for the day.

What happens when my card expires?

Each card has an expiry date. If you have $100 or more on the card, you will be notified by the bank that your travel money card is about to expire one month before the expiry date. If you do not redeem the funds prior to the card’s expiry, any funds left on the card will be lost.

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This page was last modified on 10 October 2016 at 15:10.

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329 Responses to Commonwealth Bank Travel Money Card Review

  1. Default Gravatar
    KP | November 30, 2016

    I am travelling to Switzerland. I see that Swiss Francs are not a currency option on the Travel Money Card. What is the best option for me in this scenario – load it with AU$ and then use it for EFTPOS purchases in Switzerland (will I just incur the conversion rate every time?), withdrawl a lump sum of cash on the spot in Switzerland (what is the withdrawl fee?), or convert to another currency (Euro maybe?).

    • Staff
      Anndy | November 30, 2016

      Hi KP,

      Thanks for your question.

      Please note that Commonwealth Bank Travel Money Card does not charge currency conversion fee but it charges ATM withdrawal fees (please refer to the above list of atm withdrawal fees per currency you’re withdrawing). This means that you can simply load AUD in your account and when using it in Switzerland for purchases, you won’t be charged currency conversion fees.

      Furthermore, our Travel Money Guide: Switzerland may help you when deciding a travel money option.


  2. Default Gravatar
    PeterL | November 29, 2016

    We are travelling to Thailand, Malaysia and Singapore. Is it better (ie less fees ATM or otherwise) if I load THB and SGD for use in Thailand and Singapore and just use the AUD for Malaysia? Or should I just put all the currency into AUD and withdraw from ATM’s throughout Thailand, Malaysia and Singapore?

    • Staff
      Anndy | November 30, 2016

      Hi PeterL,

      Thanks for your question.

      If you have preloaded THB and SGD in your wallet, this allows you to spend in the supported and loaded currency and avoid the currency conversion fees you’d usually be charged if you were using an Australian card overseas.

      Also, preloading your account with the local currency locks in the exchange rates at the time. Depending on which way the currency goes, this can be a good way to avoid negative exchange rate fluctuations in the future.


    • Default Gravatar
      PeterL | November 30, 2016

      Thanks Anndy,

      You mention the currency conversion fees I will be charged for using an Australian card overseas if I only have AUD loaded on the card. Do you know what the conversion fees are?

    • Staff
      Anndy | November 30, 2016

      Hi PeterL,

      Thanks for getting back.

      The currency conversion fees I’ve mentioned refers more to other Australian travel, debit and credit cards, not Commonwealth Bank travel money card as it does not charge currency conversion fee.

      Currency conversion fees vary across different cards and you can find this information on our review pages that features a particular card.


  3. Default Gravatar
    Zahra | November 28, 2016

    This is an urgent question. I withdrawed US dollar cash , $300 from an ATM in Los angeles and my travel card has been charge for about $USD 110 !!! Howcan this happen? How can I fix this priblem? On my balance it is written : pending cash withdrewl fee AUD 3.5 which is normal ! But i noticed sth else ! It is also written : Auto currency transfer USD 116 ! And again auto currency transfer : AUD 149.67
    What is this and why my travel card has been charged for this huge amount of money? I only withdrawed USD 300
    Thank you

    • Staff
      Clarizza | November 29, 2016

      Hi Zahra,

      Thanks for getting in touch. We’re sorry to hear about your situation. Unfortunately, we can’t tell for sure what has occurred, however we recommend contacting CBA directly, in case your card has been skimmed.

      Hope that helps,

  4. Default Gravatar
    Hayley | November 20, 2016


    I have just ordered a Commonwealth Travel Money Card online. I am going to Bali, I am aware this is not listed on the currencies available to use with this card. What are the fees for me using it in Bali and where can I use this particular card (ATMs, Restuarants)? Also will my travel money card come up as an account on my bank when I receive it so I can transfer money as I need it?

    I look forward to your response.


    • Staff
      May | November 24, 2016

      Hi Hayley,

      Thanks for your inquiry.

      1. What are the fees for me using it in Bali and where can I use this particular card (ATMs, Restuarants)?
      You can actually use your Commonwealth Bank Travel Money Card at any ATM and merchant stores/restaurants that accept Visa Card. There are no fees charged by CBA to your card for currency conversion and ATM withdrawal overseas, but please note that you may be charged by the ATM operator in Bali.

      2. Also will my travel money card come up as an account on my bank when I receive it so I can transfer money as I need it?
      You can reload your travel card through:

      a. NetBank, by phone and any CBA branch – funds will be available immediately (real time)
      b. BPay – funds will be available in 2 business days

      Hope this has answered your questions.


  5. Default Gravatar
    Andy | November 14, 2016

    Can you use the card for unsupported currencies i.e. Mauritian rupees? What are the fees associated when withdrawing? Thanks in advcance

    • Staff
      Sally | November 14, 2016

      Hi Andy,

      Yes, you can use the card to withdraw unsupported currencies as long as you’re withdrawing it from an ATM that accepts Mastercard.

      The Travel Money Card no longer charges a currency conversion fee when used to withdraw or spend in unsupported currencies, but you will be charged an ATM withdrawal fee of AUD3.50 each time you use the ATM to withdraw the foreign currency.

      I hope this has helped.



  6. Default Gravatar
    John | November 7, 2016

    Savings or credit? Answer credit at my favorite restaurant and I get a 1.5% surcharge so I always say Savings. What happens with the CBA Travel money card?

    • Staff
      Sally | November 9, 2016

      Hi John,

      Thanks for your question.

      You need to select ‘credit’ when using your Commonwealth Bank Travel Money Card at EFTPOS terminals and for ATM withdrawals.



  7. Default Gravatar
    nick | October 30, 2016

    Hi there,

    I have my Travel Money card and I am going to the US tomorrow.
    I will need $2000 US as cash to pay my family.
    How can I do that with ATM or how can I have that much cash to transfer to their account. Can I do that in their bank? Or can I have $2000 US cash out from ATM and how much does it cost for cash out.

    • Staff
      Sally | October 31, 2016

      Hi Nick,

      Thanks for your question.

      Unfortunately, you can’t transfer to international accounts using the Travel Money card. There is an ATM withdrawal fee of USD$2.50 and local ATM withdrawal fees may also apply. While the Commonwealth Bank Travel Money card has a daily withdrawal limit of AUd$2,500, the ATM you’re using might have its own limits for how much you can withdraw per transaction.



    • Default Gravatar
      | October 31, 2016

      I’ve spoken with a chat rep but I need some clarity. Traveling from Sydney to Manila on December. Can I use my travel money card to withdraw my AUD to Philippine peso? If yes, will it respect the limit of my bank or the limit of my machine? Also, the fee for overseas withdrawal is A$3 right?

    • Staff
      May | October 31, 2016

      Hi Anne,

      Thanks for getting back.

      We’ve clarified with CBA, yes, you can definitely use your card in Manila, however, as for the daily withdrawal limit per transaction, you will have to follow the daily limit of the local ATM provider. In the Philippines, most banks have a withdrawal limit of PHP20,000.

      Since CommBank doesn’t have an ATM alliance overseas, you could be charged twice when withdrawing money from an ATM – once by CommBank (AU$3.50) and another one by the foreign ATM provider.


  8. Default Gravatar
    | October 26, 2016

    Hi!iam living in argentina How And where can i get my Card? i am living in puerto Madryn patagonia argentina. thanks a lot.
    Xxxx Marcia

    • Staff
      Sally | October 26, 2016

      Hi Marcia,

      Thanks for your question.

      Unfortunately, the Commonwealth Bank Travel Money Card is only available for purchase in Australia by Australian residents.



  9. Default Gravatar
    susie | October 25, 2016




  10. Default Gravatar
    Buster | October 6, 2016

    If I have AUD loaded on my card and I make an online or overseas purchase in USD, how will that rate compare to say, just using a credit card?

    I understand that CBA say there are no currency fees, but it doesn’t seem to be explicit which rate it uses to convert currency with this card. Do they use the mastercard rate or some other rate? (where their fees are hidden)

    Any info on this? It may be best to just use a credit card.

    Do you know which travel card or credit card lets you buy in foreign currency with the best rate?

    • Staff
      Sally | October 10, 2016

      Hi Buster,

      Thanks for your question.

      As the exchange rates vary every day and between different banks and credit card issuers, it’s difficult for us to comment on how this compares between credit cards and travel cards.

      If you have AUD loaded on your card and make an online or overseas purchase in USD, your AUD will be converted to AUD at the rate that is in place that day. Commonwealth Bank use their own exchange rate, so you might find it differs from the standard exchange rate. You can compare exchange rates to determine whether it’s more competitive for you to use a travel card or credit card on the Commonwealth Bank website.

      When you’re weighing up your options, consider whether the currency conversion fee that you’ll be charged when making a foreign transaction on your credit card offsets the savings you might get from using a credit card over a travel card in your comparison.

      I hope this has helped.



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