Key to the World Currency Card – Review

Spend in up to 10 currencies, lock in exchange rates and enjoy worldwide Mastercard access with the Key to the World Currency Card.

The Key to the World Currency Card is a prepaid and reloadable travel card that supports up to 10 currencies (including Australian Dollars) and could be the ideal companion for your next overseas holiday. When you load funds on the card, it locks in the current exchange rate, making it easier to keep track of your travel budget. As a Mastercard, you can use the Key to the World card at millions of retailers and ATMs around the world. The card also comes with an online account, making it easy for you to monitor your balance and transaction history, reload funds and transfer between currencies on the go.

Available CurrenciesAUD, USD, SGD, NZD, JPY, THB, GBP, EUR, HKD, CAD
Multiple Currencies on One CardYes
Minimum Load Amount$100
Maximum Load Amount$10,000
Maximum Annual Load Amount$100,000
24 Hour ATM Cash Withdrawal Limit$3,000
24 Hour POS Transaction Limit$15,000
Card Issue Fee$0
Initial Load Fee$0
ATM Withdrawal FeeUSD 2.50, EUR 2.50, GBP 2.00, NZD 3.50, THB 80.00, CAD 3.50, HKD 18.00, JPY 260.00, SGD 3.50, AUD 3.50
Reload Fee1.1%
Monthly Inactivity Fee
after 12 months inactivity
Transaction Fee for Purchases$0
Balance Enquiries$0
Card Replacement Fee$10
Currency Conversion Fee5.95%
BPay Reload fee1%
Negative Balance Fee$20
Account Closing Fee$10
Available To Temporary ResidentsNo

Reloading funds and currencies

Supported currencies

The Key to the World Currency Card currently allows you to lock-in and spend the following currencies:

  • Australian dollars (AUD)
  • United States dollars (USD)
  • Euros (EUR)
  • Great British Pound (GBP)
  • New Zealand dollars (NZD)
  • Thai Baht (THB)
  • Canadian dollars (CAD)
  • Hong Kong dollars (HKD)
  • Japanese Yen (JPY)
  • Singapore dollars (SGD)

How can I load and reload funds on the card?

You can reload your card in any of the following ways:

  • Online account. You can load funds through your Key to the World online account. Just visit the Key to the World website and follow the load/reload prompts. This will cost up to 1.1% of the total amount.
  • BPAY. You can load funds via BPAY using the biller code 184416 and your 16 digit card number. Please note that reloading with BPAY will cost 1% of the reload amount. BPAY transfers may also take up to two days to appear in your account.
  • In store. You can load funds with cash or card at your nearest Flight Centre, Student Flights, Escape Travel, Cruiseabout, My Adventure Store, Travel Associates or Travel Money Oz store. You'll be charged a reload fee of 1.1% of the total amount when you do this.

Please note that you must load a minimum of $100 per initial load and reload. The maximum amount you can load is $10,000.

Where can you use the Key to the World Currency Card?

  • Local currency countries. You can use the Key to the World Currency Card wherever any of the supported currencies are used as the local currency. This allows you to avoid any additional currency conversion fee.
  • Wherever Mastercard is accepted. You can also use your card in any of the millions of locations where Mastercard is accepted around the world. While you can use the card wherever Mastercard is accepted, you'll be charged a currency conversion fee of 5.95% whenever you use your card to spend in a currency that's unsupported or not loaded on your card.
  • Excluded sanctions. You can't use this card in Iran, North Korea, Sudan, Syria and Crimea as they are affected by sanctions.

How much will the Key to the World Currency Card cost?

Fee typeFee/cost
Issue feeFree
Reload fee
  • In store: Up to 1.1% of the total amount
  • Online account: Up to 1.1% of the total amount
  • BPAY: 1%
Overseas ATM withdrawals
  • USD 2.50
  • EUR 2.50
  • GBP 2.00
  • NZD 3.50
  • THB 80.00
  • CAD 3.50
  • HKD 18.00
  • JPY 260.00
  • SGD 3.50
  • AUD 3.50 (when withdrawing in another currency)
Domestic ATM withdrawals2.95% of the amount withdrawn
Currency conversion5.95%
Exchange ratesRetail foreign exchange rate determined by Key to the World
Cashing out/card closure$10
Card replacement$10

Managing your account

  • Online account. Log in at the Key to the World website using your email address and password to see your balance, monitor your transaction history, load funds on your account and move currencies between wallets.
  • Moving currencies. You can transfer your Australian currencies into any of the supported currencies through your online account. Simply follow the prompts and indicate how much money you'd like to transfer into the relevant currency wallets.
  • Currency order. If you do not have sufficient funds in the local currency loaded in your account, or if you're making a purchase in an unsupported currency, the funds will be taken out of your account in the following order: 1. AUD 2. USD 3. EUR 4. GBP 5. NZD 6. THB 7. CAD 8. HKD 9. JPY 10. SGD. You can change your default currency through your online account. Under your Currency Card page, click "Manage my card" and follow the prompts.
  • Leftover cash. If you have returned from your holiday with funds on your account, you have a few options. You can use the funds to make purchases in foreign currencies online or you can transfer the funds back to Australian dollars and either spend them in Australia or withdraw the funds from an ATM. Please note that a cashing out and closure fee of $10 is charged when you withdraw the remaining funds from your account and close the card.


Your card is chip and PIN protected and has a signature panel on the reverse.

Important contact information

If your card is lost or stolen, if you've forgotten your PIN or if you suspect that the security of your card has been breached, you can contact the 24 hour Emergency Assistance helpline on +44 207 694 9404.

How to get a Key to the World Currency Card

If you've compared your options, you can click the "Go to Site" button to complete a secure online application.

Your card should take up to 14 days to arrive if you've ordered it online. Once you've received your card, you'll need to activate it in store or by registering and logging in online on the Key to the World website. Alternatively, you can activate your card by phoning 1800 109 231.

The benefits and drawbacks of the Key to the World Currency card


  • Multiple currencies. This card offers up to 10 foreign currencies, meaning you can use your card with greater flexibility when shopping online or travelling overseas.
  • Free to purchase. Unlike some other travel cards, the Key to the World Currency Card is free to order.
  • Online account. The Key to the World online account is a convenient way for you to monitor your balance and transaction history and manage your funds while travelling.


  • Currency conversion fee. As the average currency conversion fee usually sits around 3%, the 5.95% currency conversion fee of this card makes it a less competitive offer.
  • No additional card. This card doesn't come with an additional card, meaning you'll have to fork out the $10 replacement fee if your card is lost, damaged or stolen.
  • Reload fees. You'll be charged at least 1% each time you reload funds on the card. If you intend to reload money on your card regularly, this could eat into your travel budget.

Other benefits of the Key to the World Currency Card

Digital Travel Wallet

Key to the World provides a digital travel wallet service so you can manage all your travel components in one place. The digital travel wallet combines services including itinerary, travel insurance, the Key to the World currency card and travel SIM card for your mobile, when you book through the Flight Centre Travel Group. To inquire and apply for these other travel components visit the Key to the World website.

  • View your flight and travel itinerary
  • View your current and past travel insurance policy PDF's
  • Manage your Key to the World currency card and foreign currency online
  • Purchase and manage a prepaid Global SIM to save on calls, texts and data

Frequently asked questions about the Key to the World Currency Card

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10 Responses

  1. Default Gravatar
    KeenanOctober 17, 2017

    can I place an order online with my key to the world card, and if so how?

    • Staff
      DanielleOctober 18, 2017Staff

      Hi Keenan,

      Thank you for contacting finder. We are a comparison website and general information service, we’re more than happy to offer general advice.

      Yes, the Key to the World Currency Card is accepted as payment at restaurants, retailers, online and over the phone, and it can be used at ATMs to withdraw money while you are travelling almost anywhere in the world, where MasterCard is accepted.

      I hope this helps.


  2. Default Gravatar
    TashaSeptember 14, 2017

    Balance enquiry for me please.

    • Staff
      JhezelynSeptember 14, 2017Staff

      Hi Tasha,

      Thanks for your comment.

      You can check your balance and transactions by managing your account online at any time on any device.


  3. Default Gravatar
    HelenJuly 21, 2017

    Hi I paid from my AU bank account on the 19th it’s showing gone to key to the World Brisbane but it’s not showing on my card yet and the web site says immediate? Also how do I view the balance etc I have registered the card and have the app? Thanks.

    • Default Gravatar
      JonathanJuly 22, 2017

      Hello Helen,

      Funds loaded from a debit or credit card should appear in your account almost immediately. If using BPAY, it may take up 2-3 business days. You can check your balance by logging in online.

      Hope this helps.


    • Default Gravatar
      HelenJuly 22, 2017

      Thank you yes I did realise that but this has not happened it’s gone from my bank account and not showing on my card? I am dealing with their help line and they say they are looking into it.? It’s been a week now and it’s a very large sum of money so not happy at all with the service , I know the card is active as I transferred a small amount today and it appeared immediately any other suggestions would be of great help thank you

    • Default Gravatar
      JonathanJuly 22, 2017

      Hi Helen,

      We understand that this is a frustrating experience for you.

      As of the moment, giving specific account-related advice on which steps to take, is out of our scope. You may need to request an internal dispute team to further review your concern or a Financial Ombudsman.

      Hope this helps.


  4. Default Gravatar
    TomJune 19, 2017

    I have a Key to the World currency card and I have not activated this yet. I will be traveling from Australia to UK. Can I activate and load up GBP whenever I need to while in the UK?

    • Staff
      RenchJune 19, 2017Staff

      Hi Tom,

      Thanks for your inquiry. Please note that we are not affiliated with Bankwest or any company we feature on our site and so we can only offer you general advice.

      Once you’ve received your card, you’ll need to activate it right away. You can do this in store or by registering and logging in online on the Key to the World website. Alternatively, you can activate your card by phoning 1800 109 231.

      Regarding with loading your card with Great British Pounds, you can load this once you’re in the UK. Always insist on paying in the local currency if it’s loaded on your Currency Card. In some situations, ATMs and retailers may offer ‘Dynamic Currency Conversion’ (payment in your home currency). This however, simply allows them to dictate their own exchange rate and may result in you being charged fees associated with a foreign transaction.

      I suggest contacting Bankwest directly for further information.


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