Commonwealth Bank Travel Money Card Review

Rates and Fees verified correct on July 31st, 2016

Do you want a travel money card that lets you load multiple currencies at the same time? Look at what Commonwealth Bank has to offer.

The Commonwealth Bank Travel Money Card is a MasterCard prepaid card that lets you load up to 13 currencies at any one time. When you add funds, you get to benefit from locked-in rates.

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%
BPay Reload fee1% of reload amount up to a maximum of AUD 15.00 or foreign currency equivalent
Account Closing Fee$0
Available To Temporary ResidentsNo

Reloading funds and currencies

You can load as many as 13 currencies onto your Travel Money Card at once. If you travel to a country and have its currency loaded, the card uses the applicable currency automatically.

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. 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)

You can change this currency order online or over the phone.

Exchange rates

Commonwealth Bank 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 wherever MasterCard is accepted. This means you can use your card at over 35 million locations online and in store around the world.

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:

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 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 the NetBank. Delivery outside metropolitan areas may take longer.
  • Loading funds on your card.
    You can load and reload funds onto your Travel Money Card in different ways. One option is to transfer funds from a Commonwealth Bank transaction account using online banking or by calling the Travel Money Customer Service Centre. You can add funds by visiting a Commonwealth Bank branch, using a Commonwealth Bank transaction account, cash or a credit card cash advance. Adding funds using BPAY is also an option.
  • Activating your card.
    If you apply at a branch, the bank activates your card automatically. You can 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 you choose when you purchase the card.
  • Online.
    The online platform gives you the ability to monitor your card’s activity from any Internet-enabled computer or smartphone. The online platform lets you change your PIN, check balances in different currencies, view transaction history, reload the card, transfer between currencies, transfer to and from Commonwealth Bank accounts, and change the currency order as well as lock and unlock your card. Reloading your card when you transfer through NetBank or the CommBank app.

Security and emergency contact details

The Travel Money card is protected by chip, PIN and signature. You’ll also be covered by 24/7 fraud monitoring. You’ll receive a complimentary additional card, meaning you’ll still have access to your cash if your card is lost or stolen.

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-store, your card will be activated on the spot and you can set up your PINs for both cards. If you ordered it through NetBank, you’ll need to contact the customer service team to activate your card and confirm your PINs.
  • Loading funds. Once you’ve received and activated your card, you can start loading funds on the card. You can load funds on your card in a few ways:
    • 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 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.
  • Smartphone app. You can manage your Travel Money card through your netbank, meaning 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. Commonwealth Bank also doesn’t have an international ATM alliance.
  • No rewards. The Travel Money card doesn’t come linked to a rewards program, so you can’t earn points as you spend.
  • Online fee. If you order your card online, you’ll be charged a $15 fee.

When you travel overseas, the Travel Money Card offered by Commonwealth Bank can help you manage your finances easily. However, since this is not the only card of its kind, make sure you compare your options carefully.

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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 portal — and also through SMS alerts and phone banking.

What happens if I lose my card?

These cards come with a backup in the case the first card is lost or stolen. If you lose your primary card, contact CBA on (61+) 1300 660 700 (open 24 hours a day 7 days a week) and they will block the lost or stolen card and activate the backup card, you can continue to use the backup card as normal.

If both cards are lost or stolen, you can arrange for replacement cards to be sent out to 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. You can also access tan 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 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 by calling the CBA customer service centre on (+61) 1300 660 700 or by visiting the CBA travel money online portal. You can also close your card redeem the funds on the card by dropping into a CBA 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 expire 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 21 June 2016 at 10:15.

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289 Responses to Commonwealth Bank Travel Money Card Review

  1. Default Gravatar
    Chad | July 15, 2016

    Hi i am wondering exactly how the lock in exchange rate works?
    If i transfer 100 AUD to USD via netbank at say .725 in the morning and i transfer another 100AUD in the evening but the rate has dropped, do i get the first initial higher rate of that same day?
    And in reverse if it goes up do i get the higher rate of that same day?

    • Staff
      Anndy | July 15, 2016

      Hi Chad,

      Thanks for your question.

      With locked in exchange rate, say you transferred 100AUD to USD at .725 today, the $72.5 USD is the total amount that you can use to make purchases in USD in the future time, regardless if there are movements in the exchange rate.

      If you decide to transfer again $50 in the evening when the rate dropped to say .72, that new rate applies, so only $36 will be added to your USD account. This is because the bank uses the latest rate at the time of loading or reloading your card.


  2. Default Gravatar
    Gina | July 12, 2016

    I am new to using Travel card and am in UK.I have tried to obtain funds at an ATM in Yorkshire and was unsuccessful. What could I be doing wrong?

    • Staff
      May | July 13, 2016

      Hi Gina,

      Thanks for your question.

      Just to confirm, you’ve come through to we are an Australian financial comparison website and general information service, not actually CBA.

      If you are in the UK, the GBP (if you loaded GBP onto the card) you have will automatically be used provided you have enough funds in that currency for your transaction. With your CBA Travel card, you can use it in over 38 million locations where MasterCard is accepted, just make sure to select the ‘credit’ option.

      Please also note that you must activate the card before using it for your transaction. Furthermore, while overseas, you can manage your card through Netbank — Commbank’s Internet banking portal — and also through SMS alerts and phone banking.

      Hope this helps.


  3. Default Gravatar
    Natalie | July 11, 2016

    My travel money card will expire in 2 months when I’m travelling and I have reissued it through Netbank. How long should it take to arrive?

    • Staff
      Sally | July 12, 2016

      Hi Natalie,

      Thanks for your question.

      If you’ve already requested a new Commonwealth Bank Travel Money Card, you should expect it to arrive within a week or so.

      I hope this has helped.



  4. Default Gravatar
    WarrenL | July 6, 2016

    I have $US and GB Pound on my travelcard..
    If i want to convert the USD to GBP, does the bank does the bank first convert USD to AUD and then convert AUD to GBP or is there just one conversion USD to GBP, which is hopefully cheaper?

    • Staff
      Anndy | July 6, 2016

      Hi WarrenL,

      Thanks for your inquiry.

      According to the Commonwealth Bank Travel Money Card Product Disclosure Statement and Conditions of Use, any fund transfer between currencies will be converted using a retail foreign exchange rate determined by the bank, which is current at the time of fund transfer. Transfer of funds from one currency to another will be dealt with in real time. The PDS did not mention how the conversion is done, say you transfer from USD to GBP.


  5. Default Gravatar
    Tanae | July 5, 2016

    I have just purchased a commbank travel card and I have loaded it with AUS dollars. I’m travelling to Spain and Morocco and was wondering what currency I will need to change it too as the dirham is not supported on my travel card. Or can I leave it as Australian dollars and it will dispense Moroccan dirham When I use the ATMs over there?

    • Staff
      Sally | July 5, 2016

      Hi Tanae,

      Thanks for your question.

      As the Commonwealth Bank Travel Money card doesn’t charge currency conversion fees, you can load your card with Australian dollars and withdraw or make purchases in Moroccan dirham normally without being charged an extra. Please note that the card can only be used where MasterCard is accepted.

      I hope this has helped.



    • Default Gravatar
      Tanae | July 5, 2016

      Thanks Sally!

  6. Default Gravatar
    a | June 28, 2016

    the exchange rate is very good at heathrow airport (aud – gbp). so if i take cash, then convert to gbp at the airport, can i then put it on my card in the UK?

    • Staff
      Sally | June 29, 2016

      Hi A,

      Thanks for your question.

      Unfortunately, you can only load Australian dollars directly onto Commonwealth Bank Bank Travel Money card. Once you’ve loaded it with AUD, it’s only then that you can transfer the funds to GPB. This is the same with most Australian travel cards.



  7. Default Gravatar
    Lauren | June 26, 2016

    Hi, if i load am travelling in Morocco (not a listed currency) do I just load Euros onto the card will they are then automatically transferred to Moroccan Dirham when using an ATM in Morocco? Is it just the normal ATM withdrawal fee that would be associated with a transaction like this?

    Thank you!

    • Staff
      Sally | June 27, 2016

      Hi Lauren,

      Thanks for your question.

      Yes, unfortunately, Moroccan Dirham isn’t currently supported on any travel cards.

      If you load Euros on your card, they’ll automatically be transferred into the local currency when you spend in Morocco.

      Yes, the regular ATM withdrawal fees still apply. If you are paying with Euros that are transferred to Moroccan Dirham, you should be charged an ATM withdrawal fee of EUR2.20. Please note that local ATM fees may also apply.

      I hope this has helped.



  8. Default Gravatar
    KK | June 21, 2016

    If I reload currency on my card whilst overseas, how long does it take before I can access the funds on that card?

    • Staff
      Sally | June 23, 2016

      Hi KK,

      How are you?

      This depends on how you load the funds. If you use BPAY, your funds will appear in your account within two business days. If you’re using NetBank they should appear in your account almost immediately or at least within the next business day.

      With this in mind, it’s important not to leave reloading your card until your balance is almost empty to avoid being stranded overseas without access to cash.

      I hope this has helped.



  9. Default Gravatar
    Ivana | June 8, 2016

    I am in Czech Republic, will the euros that are currently loaded onto my cba travel card be automatically converted into Czech money when I use my card to make a purchase? Also is this the same for Budapest?

    • Staff
      Sally | June 8, 2016

      Hi Ivana,

      Thanks for your question.

      Yes, if you have Euros loaded on your card, they’ll automatically be transferred to Czech koruna or Hungarian Forints when making purchases or withdrawals in the Czech Republic and Budapest respectively.

      As the card doesn’t charge a currency conversion fee, you won’t be charged each time your supported currencies are converted into the local currency as well.

      For more travel money tips, please see our Czech Republic and Hungary and Budapest travel money guides.

      I hope this has helped.



  10. Default Gravatar
    John | June 4, 2016

    I have just entered my pin number to activate my travel card, and notice the words “lock” and “unlock”on the computer screen. What do these words mean, and why should I opt for one or the other?


    • Staff
      Sally | June 6, 2016

      Hi John,

      Thanks for your question.

      Whereabouts on the screen was the lock and unlock option located? It might have been in regards to the PIN number and whether or not you wanted to confirm that as your PIN? If you’re unsure, it might be best to get in contact with Commonwealth Bank on 13 22 21.



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