NAB Traveller Card

Rates and Fees verified correct on December 3rd, 2016

Are you looking for a travel money card that lets you load up to 10 currencies with added security features? If so, the NAB Traveller Card may fit the bill.

With the NAB Traveller Card, you can hold multiple currencies on a single card. When you use this card to pay for purchases in local currencies, NAB does not charge any overseas transaction fees. It does not incur overseas ATM fees either. The NAB online banking platform lets you manage your account with ease, and there are ways to reload the card.

Available CurrenciesAUD, CAD, EUR, GBP, HKD, JPY, NZD, SGD, THB, USD
Multiple Currencies on One CardYes
Number of Cards Issued2
Minimum Load Amount$50
Maximum Load Amount$45,000
Maximum Annual Load Amount$45,000
24 Hour ATM Cash Withdrawal Limit$3,000
24 Hour POS Transaction Limit$7,000
Initial Load Fee$0
ATM Withdrawal Fee$0 per withdrawal on international ATMs and $3.75 per withdrawal at any Australian ATMs
Reload Fee$0
Monthly Inactivity Fee
after 12 months inactivity
$0
Transaction Fee for Purchases$0
Balance Enquiries$0
Card Replacement Fee$0
Currency Conversion Fee4%
Negative Balance Fee$0
Available To Temporary ResidentsNo

Currencies and loading funds

Which currencies can I load on the card?

The NAB Traveller Card lets you load up to 10 different currencies at the same time. When you travel to a country whose currency the card supports, and if you have funds in that currency, the card uses the required currency automatically.

Supported currencies

The currencies this travel money card supports include:

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

Exchange rates

By locking in exchange rates when you load funds, you know exactly how much money you have in any given currency, and you can take advantage of more favourable rates than might be available when you actually travel. Live exchange rates will apply if you make a transaction in a currency you haven't preloaded on the card.

How to load funds on the card

You can load Australian dollars onto your NAB Traveller Card in any of the three following ways:

  • Internet banking. You can use NAB Internet Banking to load funds from your linked NAB accounts.
  • BPAY. You’ll need the biller code 195016 and your 16-digit card number to complete the transfer via BPAY. These will take two to three business days to appear on your card.
  • In branch. You can load funds in branch and they’ll be available to use immediately. Make sure to have your NAB Traveller Card and valid photo ID.

Using the card

The NAB Travel Money card uses MasterCard, and hence is widely accepted. You can use this card with withdraw money from ATMs and to make payments at stores and restaurants. All you have to do is look for the MasterCard symbol. This card can also come in handy if you want to shop at international websites and pay in their local currencies. You cannot use this card in some countries that are subject to economic and/or trade sanctions. These include Cuba, North Korea, Iran, Syria and Sudan. If your use the card to pay in an unsupported currency, or if you don’t have enough funds in the required currency, the card makes use of a default currency order of priority to process payments. The order is:

  • AUD
  • USD
  • GBP
  • EUR
  • CAD
  • NZD
  • JPY
  • SGD
  • HKD
  • THB
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How much will the card cost me?

The bank charges fees in Australian dollars, unless it specifies otherwise. If you don’t have enough funds to cover the fees in a required currency, the card draws the amount from another currency in accordance to the currency order of priority. Here is the fee structure of the NAB Traveller Card.

Fees for using
the NAB Traveller Card
Initial card load fee
at a branch
$0
NAB Internet banking,
NAB branch,
and BPAY reload fee
$0
ATM withdrawal fees$0 per withdrawal on international ATMs and $3.75 per withdrawal at any Australian ATMs(local ATM operator fees may apply)
ATM balance enquiry fee$0 for balance checks from domestic and international ATMs
Overseas Point of Sale (POS) fee$0 (some operators may charge a fee)
Monthly inactivity fee$0 (some operators may charge a fee)
Foreign currency conversion fee4% of the total transaction value (charged when you pay in a currency not supported by the card, or if you don’t have adequate funds in the required currency)
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Managing your card

With round-the-clock access to the bank’s online platform, you can easily manage your NAB Travel Money card.

  • Ordering your card. To purchase the Traveller Card you have to visit your nearest NAB branch. If you don’t know where one is, you can visit the NAB website and use its branch locator tool.
  • Activating your card. Both, the primary and secondary card come activated when you receive them, as do their PINs. You can find the expiry date of the card on the front, after which the card deactivates automatically.
  • Loading funds on your card
    • Initial load. To load money onto the card, you can pay using cash or transfer funds from an eligible NAB transaction account.The funds become available for use immediately. The minimum amount you can load is $50 or its equivalent in another currency. The maximum is $45,000.
    • Reload. You can reload your card by visiting an NAB branch, online or via BPAY. If you reload funds using BPAY, it can take 2-3 business days before the funds become available. The maximum amount you can reload through BPAY in a single day is $25,000.

Managing your card online

The NAB online banking platform gives you an easy way to manage your card. You can login to the secure system to go through your transaction history, review balances, reload your card as well as transfer funds from one currency to another.

Security

Each card is CHIP protected and has its own 4-digit PIN. In case your card is lost or stolen, you’ll also receive a complimentary secondary card to keep as a backup. If you lose both cards, NAB will send you a replacement at no cost. If you need to report a lost or stolen card or fraudulent activity on your card, you can contact card services from 24/7 anywhere around the world. See the website for the free to call emergency numbers you’ll need depending where you’re located.

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Highlights and drawbacks

Pros

  • No international ATM fees. Unlike many travel cards on the market, the NAB Traveller Card doesn’t charge for overseas ATM withdrawals.
  • Multiple currencies. You can access a variety of foreign currencies to pay with convenience and avoid currency conversion costs overseas.
  • Inactivity fee. NAB Traveller Card does not charge monthly inactivity fees. However, some operators may directly charge a fee.
Cons

  • Missing some currencies. The Traveller Card doesn’t let you hold Vietnamese dong or Emirati Dirhams, which a few Australian prepaid cards now do.
  • Currency conversion fee. If you make a purchase in an unsupported or unloaded currency, you’ll be stung with a currency conversion fee of 4% of the total transaction value.
The travel money card provided by NAB brings with it the dependability of a big name. However, since other leading banks offer similar cards, compare a few before applying.

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Frequently Asked Questions

Do I need to be a NAB customer to get the NAB Traveller Card?

No, anyone can get a NAB Traveller Card if they can show identification at a NAB branch and you have an Australian residential address.

Can I give the second card to my partner or child to use?

No, your second card is designed as a backup card and can only be used if your first card is lost, damaged or stolen.

Are there any countries where this card isn’t accepted?

Currently this card isn’t accepted in Cuba, North Korea, Syria, Iran and Sudan.

What button do I press to complete a transaction?

Press the 'credit' button when you're completing a transaction using your NAB card.

Why doesn't the ATM show the correct card balance?

Having multiple currencies on a card sometimes means an incorrect account balance is shown at the ATM. You may see the combined balance of all currencies loaded onto the card, just the balance of the local currency, or you may see nothing at all. When in doubt, check your account balance through the NAB Traveller Card 'My Account' online facility or speak to Card Services directly.

Is the PIN the same on the primary and secondary card?

No, you will receive a separate PIN for the secondary card. If you need a PINK reminder you can call Card Services to reconfirm your PIN.
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This page was last modified on 29 September 2016 at 16:23.

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106 Responses to NAB Traveller Card

  1. Default Gravatar
    Sam | November 24, 2016

    Hi, I understand that there are no withdrawal fees from participating ATMs, but what about transaction purchase fees?

    Thanks

    • Staff
      Harold | November 24, 2016

      Hello Sam,

      Thank you for your inquiry.

      As per checking for NAB Travel Card there is none “Transaction fee for purchases”. You may check this information under the section tab labeled “Fees”.

      I hope this information has helped.

      Cheers,
      Harold

  2. Default Gravatar
    Maria | November 24, 2016

    Can I put a check in foreign currency on the card ? If yes, would it be a free deposit transaction?

    • Staff
      May | November 25, 2016

      Hi Maria,

      Thanks for your question.

      With NAB Traveller card, you can only load Australian dollars onto the account through internet banking (funds will come from your linked NAB accounts), BPay and at the NAB branch. So loading your card with funds from a cheque in foreign currency is not possible. Basically, there is no fee when reloading your NAB Traveller card.

      Cheers,
      May

  3. Default Gravatar
    chris | November 22, 2016

    If I load Usd on my card and use it at a Nepal atm (they only dispence Nepalese Rupees) will I be charged a conversion fee each time? There is also a limit on money given out by most Atm in Nepal and it is not very large so often multiple withdrawals are required, how much would I be paying each time?

    • Staff
      Anndy | November 22, 2016

      Hi Chris,

      Thanks for your question.

      NAB Traveller Card will not charge you for withdrawing money on international ATMs, however, third party ATM operators in Nepal may.

      Cheers,
      Anndy

  4. Default Gravatar
    Migs | November 20, 2016

    Hi!
    What the total amount of fees that I would pay if I withdraw around 800AUD (29,000 PHP) using a local ATM in the Philippines while using this NAB Traveller Card?

    Thanks

    • Staff
      Jason | November 23, 2016

      Hi Migs,

      Thank you for your enquiry.

      You’ll incur a currency conversion fee of 4% of the total transaction value and a possible ATM operator fee if you’ll withdraw from ATMs in the Philippines using the NAB Traveller Card.

      Cheers,
      Jason

  5. Default Gravatar
    Jess | November 16, 2016

    Is there an age restriction of who can be issued a traveller card?

    • Staff
      Harold | November 16, 2016

      Hello Jess,

      Thank you for your question.

      For NAB Traveller Card the restriction is, the card is not available to temporary residents. In line with this, you may find this article helpful as your guide.

      Cheers,
      Harold

  6. Default Gravatar
    Joe | November 12, 2016

    I have used both cards NAB Traveller card today, the primary and secondary card to test if they work before I go overseas. The primary card got deleted.

    • Staff
      Jason | November 12, 2016

      Hi Joe,

      Thank you for your enquiry.

      The secondary card was designed as a backup card and should only be used if your first card is lost, damaged or stolen. The primary card may have been deactivated when you used the backup card. Please contact NAB to request for another backup card if you need one.

      Cheers,
      Jason

  7. Default Gravatar
    Pina | September 27, 2016

    Hi, if once I return home, I haven’t used all of the money loaded onto the card, is there a fee to draw it all out without deactivating it? I may well use the money again in another year or 2, but I don’t want it sitting on the card until then.

    • Staff
      Anndy | September 27, 2016

      Hi Pina,

      Thanks for your question.

      You can transfer the remaining funds in your card to your linked NAB account and keep your card for future use.

      If you want to withdraw your remaining funds at an ATM, NAB charges $3.75 per withdrawal at any Australian ATMs.

      I hope this helps.

      Cheers,
      Anndy

  8. Default Gravatar
    Mark | September 23, 2016

    Hi. Can I take USD in cash and load up a travel card with that cash for no fee? I have already converted my travel money to cash (when the exchange rate was better) and now want to add some to a travel card. Can I do this with this card or does it only convert AUD deposits into USD

    • Staff
      Chester | September 23, 2016

      Hello Mark!

      Thanks for your question.

      Yes that would be possible. The NAB Travel Money card uses MasterCard, and hence is widely accepted. You can use this card with withdraw money from ATMs and to make payments at stores and restaurants. All you have to do is look for the MasterCard symbol. This card can also come in handy if you want to shop at international websites and pay in their local currencies. If you don’t have enough funds in the required currency, the card makes use of a default currency order of priority to process payments. Also there would also be a ATM withdrawal fees of $0 per withdrawal on international ATMs and $3.75 per withdrawal at any Australian ATMs(local ATM operator fees may apply) as well as Foreign currency conversion fee of 4% of the total transaction value (charged when you pay in a currency not supported by the card, or if you don’t have adequate funds in the required currency)

      Loading funds on your card is a breeze, For your initial load, you can pay using cash or transfer funds from an eligible NAB transaction account.The funds become available for use immediately. The minimum amount you can load is $50 or its equivalent in another currency. The maximum is $45,000. Then, you can reload your card by visiting an NAB branch, online or via BPAY. If you reload funds using BPAY, it can take 2-3 business days before the funds become available. The maximum amount you can reload through BPAY in a single day is $25,000.

      I hope this helps

      Regards,
      Chester

  9. Default Gravatar
    Kent | September 22, 2016

    I from Singapore
    I’m will go to Sydney after 3 weeks
    Can I use Ma. Travel card and top up by credit card

    Thanks
    Kent Lee

    • Staff
      Sally | September 22, 2016

      Hi Kent Lee,

      Thanks for your question.

      Unfortunately, the NAB Traveller Card is only available to you if you have a residential address in Australia. So if you’re just visiting Australia, you won’t be able to use a NAB Traveller Card.

      Instead, you might want to look for some Singapore-based prepaid cards to use in Australia. If you use your credit card to load your prepaid card, please note that it might be charged as a cash advance and could incur higher interest.

      Cheers,

      Sally

  10. Default Gravatar
    Stephen | September 19, 2016

    Can you tell me the cards expiry – is it a certain time from activation or is it printed on the card – how long does a card last for ??

    • Staff
      Sally | September 20, 2016

      Hi Stephen,

      Thanks for your question.

      The NAB Traveller Card expires 5 years after activation. This date will be printed on the front of your card under “Valid thru”.

      I hope this has helped.

      Cheers,

      Sally

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