Multi-currency Cash Passport Prepaid MasterCard® Currency Card

Rates and Fees verified correct on October 21st, 2016

Use the Multi Currency Cash Passport to simplify your spending when travelling overseas.

The MasterCard Multi Currency Cash Passport is a prepaid travel MasterCard that lets you load a number of currencies, allowing you to carry funds for multiple countries at the same time. You can load money and convert currencies in your account at any time.

Available CurrenciesAUD, CAD, EUR, GBP, HKD, JPY, NZD, SGD, THB, USD
Multiple Currencies on One CardYes
Number of Cards Issued2
Minimum Load Amount$100
Maximum Load Amount$60,000
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ATM Withdrawal Fee$0 for withdrawals made overseas 2.95% of the amount withdrawn for domestic withdrawals
Reload Fee$0
Monthly Inactivity Fee
after 12 months inactivity
Transaction Fee for Purchases$0
Card Replacement Fee$0
Currency Conversion Fee0%
BPay Reload fee1% of the reload amount
Negative Balance Fee$0
Account Closing Fee$10
Available To Temporary ResidentsNo

Reloading funds & currencies

The Multi Currency Cash Passport lets you choose from ten different currencies:

  • US dollar (USD)
  • Great British pound (GBP)
  • Euro (EUR)
  • New Zealand dollar (NZD)
  • Japanese yen (JPY)
  • Canadian dollar (CAD)
  • Thai baht (THB)
  • Singapore dollar (SGD)
  • Hong Kong dollar (HKD)
  • Australian dollar (AUD)

You can choose to load your card at the time of submitting your application or after you receive it. You can load additional funds using bank transfers and BPAY via online, mobile and phone banking.

The card uses balances in available currencies in a default order of priority. What this means is that the card first looks for funds in the relevant currency, then works through other funds in a set order. The default order for currencies/ exchange rates on this card is:

1. AU$ 2. US$ 3. EU€ 4. GB£ 5. NZ$ 6. TH฿ 7. CA$ 8. HK$ 9. JP¥ 10. SG$

Where can you use this travel card?

You can use this travel card at any ATM or merchant that displays the MasterCard logo. You can use it to shop at international websites that accept MasterCard payments as well. However, you cannot use this card in countries that have relevant sanctions in place, which include Cuba, Iran, North Korea, Sudan and Syria.

If you use this card in a country where it does not support the local currency, it relies on the default order of currency priority to process payments.

How much will the card cost me?

Unless stated otherwise, you have to pay all fees in Australian dollars.

 Fees for using Multi-currency Cash Passport Prepaid MasterCard
Purchase fee$0
Initial load fee$0
Reload fee$0
International ATM withdrawal feeFree, unless you have to pay an ATM operator fee
Inactivity fee$4 per month (starts after inactivity for a period of 12 months)
Cash over the counter fee$10 per withdrawal
Closure fee$10

Managing your account

You have a few different options when it comes to ordering and managing your card.

  • Ordering your card. You can apply for your Cash Passport online. You'll just need to fill in your full name, phone and email contact information and the card will be delivered to your home within 7-10 business days. You can also pick up a Multi-currency Cash Passport through one of their distribution outlets, such as Travel Money Oz, Australia Post and Travelex.
  • Activating your card. Your card should automatically activated within two business hours of purchase.
  • Loading funds on your card. If you purchase your card in-store, you can load funds on to your card with cash or a debit card. If you order your card online, you can load funds on your card using BPAY. You'll just need to login to your internet, mobile or phone banking to transfer the funds using the biller code184416 and your unique 16 digit Cash Passport Number. Please note that BPAY reloads usually take up to two business days to appear in your account.
  • My Account login. Once you've activated and loaded funds on your card, you can manage your money through your online account. You can login to 'My Account; using your card number and email address. Here you can view your available balances, top up your card and view your transaction history. You can also move your currencies into your available 10 currency wallets through your online account. When you've returned from your holiday, you can also cash out and close your card via your online account.

Security and emergency contact details

Your Multi-Currency Cash Passport is chip, PIN and signature protected. If your card has been lost or stolen, if you've forgotten your PIN or if you suspect fraudulent transactions on the card, you'll need to get in touch with the 24/7 Global Emergency Assistance helpline for assistance.

The number you'll need to call will depend on your location:

  • Australia - 1800 098 231
  • New Zealand - 0800 444 961
  • Hong Kong - 800 966 321
  • Japan - 00531 780 221
  • South Korea - 00798 4434 1279
  • Thailand - 001800 442 212
  • UK - 0800 056 0572
  • USA/ Canada - 1 877 465 0085
  • Other countries - +44 207 649 9404

Things to consider before getting the Multi-currency Cash Passport Prepaid MasterCard


  • Multiple currencies. You can load multiple currencies onto a single card, which you can use in countries the world over.
  • Additional card. You get an additional Cash Passport card, for which you don’t have to pay any fee. This card can come in handy if you end up losing your original card.
  • Locked rates. When you load or reload funds onto this card, you lock-in exchange rates.


  • ATM fees. While the card provider does not charge any overseas ATM fees, you may have to pay fees charged by ATM owners.
  • Exchange rates. The exchange rates for this card aren't always as competitive as the official bank rate. You can confirm the exchange rate for the day on the Multi-currency Cash Passport website before you load the funds on your card.

Steps on getting your card

  1. Ordering. You can complete an online application in a matter of minutes, provided you have all the required information close at hand.
  2. Reloading. You can provide instructions to load your card along with your application. Alternatively, you can load it once you receive it.
  3. Activating. Your card should typically activate within two business hours of purchase.

Using the MasterCard Multi Currency Cash Passport when travelling overseas can work in your favour. However, since there are other similar offerings out there, make sure you compare a few before applying.

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This page was last modified on 21 June 2016 at 18:24.

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391 Responses to Multi-currency Cash Passport Prepaid MasterCard® Currency Card

  1. Default Gravatar
    Alyce | October 13, 2016


    I am travelling to Iceland and Icelandic money is not supported on travel cards. Would this be a good card to use as it doesn’t charge a conversion rate?

    • Staff
      Sally | October 13, 2016

      Hi Alyce,

      Thanks for your question.

      As a financial comparison service, we’re unable to recommend any specific products or strategies to our users as the best travel money option will depend on their travel plans, spending habits and financial situation.

      If you’re looking to avoid currency conversion fees, the Multi-currency Cash Passport could come in handy. Please note that the Commonwealth Bank Travel Money card, the Qantas Cash card and the STA Travel CashFLEX card also don’t charge currency conversion fees. You might want to look at other factors such as the purchase fees, load and reload fees and ATM withdrawal costs when comparing your options.

      I hope this has helped.



  2. Default Gravatar
    Alan | September 22, 2016

    This card is very misleading it says here it does not charge overseas atm fees , yet when you use the card the overseas bank charges a fee ,fair enough but then there is a fee of $2.50 us everytime you use it ,they are very ambigious in their detailing the fees of the card i would say even misleading

    • Staff
      Jonathan | September 27, 2016

      Hi Alan, thanks for your inquiry!

      This card does not charge any fees for international ATM withdrawals. Overseas ATM’s and banks may still charge a fee for using their services.



  3. Default Gravatar
    Carrick | September 16, 2016

    Hi there,

    I have a HSBC bank account in Euros based in Australia. I want to get the Cash Passport and do a bank transfer of Euros to the card to the default currency of Euros. Is this possible?


    • Staff
      Sally | September 21, 2016

      Hi Carrick,

      Thanks for your question.

      Yes, if you select Euros as your default currency and nominate that you’d like to reload Euros (rather than say AUD), you can do this.

      Please note that an exchange rate may apply when you’re moving the funds across.



  4. Default Gravatar
    Warren | September 15, 2016

    I tried to load $US onto my cash passport which was set to $US default. I rang the. To check I could transfer this way without them converting the money and they confirmed.

    10 days later I had to cancel the transaction because “didn’t know what to do with the transaction” and return my money LESS US$688 because they converted the funds into AUS$ then back into US$. Now they refuse to refund my loss.

    When again speaking to their call centre they assured me that they would return the funds but they still haven’t.

    What gives?

    • Staff
      Sally | September 19, 2016

      Hi Warren,

      Thanks for your question and just to confirm, you have come through to, not Multi-currency Cash Passport.

      Hmm, that’s odd. You should usually only be able to load Australian dollars on your card, which you can then transfer to any of the supported currencies. The customer service you were dealing with might’ve been misinformed.

      Unfortunately, as a comparison service, we can’t provide much more assistance regarding your refund. Instead, I would suggest that you cite the information in the PDS and mention that you were misinformed by one of their customer service representatives to dispute the case.

      I hope this has helped.



  5. Default Gravatar
    Mia | August 24, 2016

    1. So if I use this overseas at an ATM
    And want to withdraw cash ….
    Do i press Credit or Savings?
    (just checking as it is my own funds – right?)

    2 Secondly
    if using in a store or at a restaurant … do i treat it like a credit card
    And pay with the Credit card mode in store?

    In store / restaurant
    Will it / should it ask me for both my pin and signature?

    4. Can I change my pin (from the one allocated to the original card?) If so how?


    • Default Gravatar
      Neeraj | September 7, 2016

      I used my travel card in United States. Why card is declined in the store when it was swiped? What should be reason and would i be able to use it??

      Also it was swiped several times. Each time it was declined. Does my card is blocked??


    • Staff
      Sally | September 8, 2016

      Hi Neeraj,

      Thanks for your question.

      Were you using the correct PIN for your card? You receive more than one Multi-currency Cash Passport card (a primary card and an additional card) and both have separate PINs. Is there any chance that you might’ve entered the wrong PIN?

      You should be able to use your card wherever MasterCard is accepted in the US. So you might need to contact the Multi-currency Cash Passport support team on 1 877 465 0085 to confirm what the issue is if it isn’t a problem with your PIN.

      I hope this has helped.



    • Staff
      Sally | August 25, 2016

      Hi Mia,

      Thanks for your questions.

      When withdrawing cash with the Multi-currency Cash Passport, you’ll need to select ‘credit’. Even though you have to select ‘credit’, your funds will still be withdrawn from your funds that you’ve loaded on the card.

      When using your card in-store or at a restaurant, you can use the card as you would any other debit or credit card. You’ll need to insert or swipe the card, select ‘credit’ and then enter your PIN to approve the payment. This should work fine wherever MasterCard is accepted.

      Unfortunately, you can’t change the PIN that was allocated to your card. If you’ve forgotten it, you can get in touch with the Multi-currency Cash Passport team and they’ll send you a PIN reminder.

      I hope this has helped.



  6. Default Gravatar
    Patty | August 16, 2016

    I’m going OS next week. I have loaded my card with Australian currency only. I was advised by the bank teller that I do not need to load the money as any particular currency because when I use the card, whether it be in Ireland Scotland or England, the payment will automatically be converted to that countries currency. Is this correct?

    • Staff
      Sally | August 17, 2016

      Hi Patty,

      Thanks for your question.

      As the Multi-currency Cash Passport no longer charges a currency conversion fee, you technically don’t need to transfer your Australian dollars into the relevant currency wallets to avoid that fee. However, if you want to take advantage of the locked-in exchange rates at the time of loading (rather than the exchange rate that will be in place when you make a withdrawal or purchase), then you’ll need to transfer your funds into the relevant currency wallets. You can do this through your online Multi-currency Cash Passport account.

      I hope this has helped.



  7. Default Gravatar
    Alan | August 14, 2016

    I loaded my card Aus dollars and Thai baht. At ATMs in Thailand it is taking out of my AUD account not the baht account. How can I stop it doing this? I went to my account changed my default currency and has made no difference. What will happen when my Aud account runs out. This does not appear to be a very user-friendly card. Any help is much appreciated.

    • Staff
      Sally | August 15, 2016

      Hi Alan,

      Thanks for your question and we’re sorry to hear about the travel you’ve been having with your Multi-currency Cash Passport.

      If you’ve changed your default currency to Thai baht, then the funds should automatically be withdrawing from your account. Has the ATM or EFTPOS machine been asking if you’d like to make a withdrawal/purchase in your local currency? This is called the Dynamic Currency Conversion. If so, this could be why your funds are being taken from your Australian wallet.

      If not, you might need to get in contact with the Multi-currency Cash Passport customer service team directly to resolve the issue. Their emergency contact number you can call from Thailand is 001800 442 212.



  8. Default Gravatar
    adriana | August 13, 2016

    My cash passport cards keeps asking m for a 6 digit pin but I only have a 4 digit therefore it won’t allow me to withdraw cash.
    Please help

    • Staff
      Anndy | August 14, 2016

      Hi Adriana,

      Thanks for your question.

      In some countries, you may be asked for a six digit PIN when using an ATM. Your card will still be accepted in these ATM machines even if you use the standard four digit PIN. This is provided that the ATM you are using has been set up correctly in compliance with MasterCard or CUP regulations.

      If you still experienced other PIN issues, please call the appropriate emergency contact details as listed above.


  9. Default Gravatar
    Michael | August 7, 2016

    Hi im about to travel to a country that the currency cant be loaded on to the card, will this matter? If i load US DOLLAR on to the card, and use it in this country, will there be any hidden charges?

    • Staff
      Sally | August 8, 2016

      Hi Michael,

      Thanks for your question.

      If you’re travelling to the US, you can load Australian dollars on the card and then move these into your US Dollars currency wallet. When you do this, your funds will be locked into the exchange rate that applies at the time.

      While you won’t be charged currency conversion fees if you use your US Dollars to make purchases, you will be charged USD$2.50 whenever you use your card for ATM withdrawals.

      You can see the full list of fees associated with the card on our review page.



  10. Default Gravatar
    Kate | August 7, 2016

    I loaded my card up on 4th august
    And it still hasn’t gone through how long should i expect it to take

    • Staff
      Anndy | August 7, 2016

      Hi Kate,

      Thanks for your question.

      If you have reloaded your Cash Passport via BPAY, your funds will be available in 2 to 3 business Days. Cash Passport will send you an email to confirm that your reload has already been processed.


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