NAB Traveller Card
More info
Lock in exchange rates for up to 10 currencies on your NAB Traveller Card and enjoy free reloads while travelling like a pro.
The NAB Traveller Card is a prepaid Mastercard that lets you hold up to 10 major currencies at locked-in exchange rates. This means that you can spend money like a local using the one card across multiple countries, enjoying the safety and worldwide acceptance of a Mastercard while staying clear of overseas transaction fees. On top of that, NAB does not charge fees for issuing, loading or reloading your travel card, your secondary card, or any overseas ATM fees on its end. The NAB online banking platform also lets you manage your account with ease and efficiency.
| Available Currencies | AUD, CAD, EUR, GBP, HKD, JPY, NZD, SGD, THB, USD |
|---|---|
| Multiple Currencies on One Card | Yes |
| Number of Cards Issued | 2 |
| 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 | Overseas: $0 per withdrawal via international ATMs Domestic: $3.75 fee applies |
| 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 Fee | 4% |
| BPay Reload fee | $0 |
| Negative Balance Fee | $0 |
| Account Closing Fee | $0 |
| Available To Temporary Residents | No |
|---|
What currencies can I load on the NAB Traveller Card?
The NAB Traveller Card supports:
- Australian dollars
- Canadian dollars
- Euros
- Great British pounds
- Hong Kong dollars
- Japanese yen
- New Zealand dollars
- Singapore dollars
- Thai baht
- US dollars
Please note that all money transferred to the card will be loaded into your default currency wallet. This is Australian dollars by default, but you can change this online by logging into your account. You may then convert loaded funds from your default currency to other chosen currencies at NAB Currency to Currency foreign exchange rates. This variable rate is determined by NAB and will be quoted to you at the time of your currency conversion. You may also access these rates online at the NAB website at any time.
How does the default currency order work?
Also note that a default currency order applies when you transact in a currency that isn’t supported by or sufficiently loaded on your card. This order cannot be changed, and it determines how your account will be debited for the transaction amount:
Default currency order
- Australian dollars (AUD)
- US dollars (USD)
- Great British pounds (GBP)
- Euros (EU)
- Canadian dollars (CAD)
- New Zealand dollars (NZD)
- Japanese yen (JPY)
- Singapore dollars (SGD)
- Hong Kong dollars (HKD)
- Thai baht (THB)
To illustrate, suppose you use your NAB Traveller Card to pay for a meal during a layover in Kuala Lumpur. The meal is charged in Malaysian ringgit, which isn’t supported by the card. Following the default currency order, the transaction will be debited from your Australian dollar balance if sufficient. If insufficient, it will continue to debit each currency wallet as listed in the currency order until the transaction amount is satisfied.
Note that in such events, when you transact or are charged in a currency that is unsupported or insufficiently loaded on your card, you will also be charged an NAB foreign currency conversion fee, which is . The currency conversion rate applied to convert your available currency or currencies into the transaction currency is a rate set by Mastercard which varies from time to time.
Where can I use my NAB Traveller Card?
Your NAB Traveller Card is accepted at 43 million Mastercard locations worldwide, except where merchants process payments manually or do not accept Mastercard prepaid cards. Be aware, however, that it cannot be used for money transfers, direct debits or recurring payments, transacting on adult or gambling websites, or for any unlawful activity. Furthermore, the card cannot be used in restricted countries subject to US economic or trade sanctions, which currently includes North Korea, Iran, Syria and Sudan.
Features of the NAB Traveller Card
These are the other features/benefits of the card:
- Locked-in exchange rates. Locking in currency exchange rates ahead of travel can offer peace of mind and help you stay in control of your budget.
- Additional card. The free secondary card issued with your primary travel card offers the security of a backup in case of loss, theft or damage.
- Mastercard Priceless Cities. Enjoy all the exclusive travel, dining, entertainment and lifestyle deals that the Mastercard program offers.
- Worldwide ATM alliance. Have access to cash at any ATM worldwide that displays the Mastercard logo.
- Smartphone app. Manage your money easily and quickly with the NAB internet banking app. View your account transactions and balances as well as reloading funds instantly using your smartphone.
- Account limits. Your account balance may not exceed AUD$45,000 during any consecutive 12-month period, your daily ATM withdrawal may not exceed AUD$3,000 (or foreign currency equivalent), and your daily transaction value may not exceed AUD$7,000 (or foreign currency equivalent).
How much does the NAB Traveller Card cost?
This is a table of costs and fees associated with the NAB Traveller Card, as well as a brief explanation of when you’ll be charged each fee.
| Type of fee | Cost | When you’ll be charged |
|---|---|---|
| Purchase fee | $0 | You won’t be charged a fee for ordering the card. |
| Initial load fee | $0 | You won’t be charged a fee for loading your card for the first time. |
| Reload fee | $0 | Additional reloads won’t collect a fee. |
| Secondary card fee | $0 | You can order an additional card for no cost. |
| Replacement card fee | $0 | When you need a new card to replace a lost, stolen or damaged card |
| International ATM withdrawal fee | $0 | While NAB does not charge a fee for international ATM withdrawals, the ATM operator may nevertheless directly charge you a fee. |
| Domestic ATM withdrawal fee | $3.75 | Please note that additional ATM operator fees may apply. |
| Currency conversion fee | 4% of the total transaction value | When you use the card to pay in a currency that isn’t sufficiently loaded or supported by the card, or when a fee is charged to the card in a currency not loaded or supported by the card. |
| Inactivity fee | $0 | Unlike some other products, you won’t be charged a fee if you don’t use your card after a certain period. |
| Closure/cash-out fee | $0 | When closing your account and cashing out any remaining funds left on the card |
How to use the NAB Traveller Card
Get your NAB Traveller Card up and running by following these easy steps.
- Getting the card. Pick up your new travel card online or by heading into any NAB branch. If you order your card online it can take a week or so to arrive. When you receive the card, you will be issued a four-digit PIN with your primary card and a separate four-digit PIN with your secondary card.
- Loading funds on the card. When getting your new card, you will need to tell the NAB customer service representative which currencies you want loaded on your card. You may load up to 10 currencies, subject to the in-branch load minimum and maximum of AUD$50 and AUD$45,000 respectively.Subsequent reloads via BPAY are limited to AUD$25,000 daily. Note that BPAY transfers can take up to three business days to process, and exchange rates applied to BPAY reloads will be taken at the time of processing, which can differ from rates at the time of your initiated transfer. On the other hand, if you have a linked NAB account, transfer of funds to your travel card via NAB internet banking will be instantaneous.
- Managing your online account. Check your card transactions and balances online at any time via NAB internet banking or by logging into “My Account” at the NAB travel card website. You can also reload online, manage your default currency and transfer currencies between currency wallets.
You may wish to keep the funds on your card for future travel, or close your account entirely. Should you request account closure, any remaining funds on the card will be converted into Australian dollars at the prevailing NAB currency exchange rates and transferred to your nominated Australian bank account. If you have linked NAB accounts, instantly transfer funds from your travel card to your NAB bank account via internet banking without closing the travel card.
Who do I contact if my card is lost, stolen or damaged?
Upon discovering that your card is lost or stolen, please contact Card Services immediately on 1800 098 231, or +44 207 649 9404 if you’re overseas. Your card will then be cancelled and you may use your secondary card since it has a different PIN. If you’ve lost both cards, a replacement card will be arranged and you may also be offered assistance including emergency cash.
How to apply for a NAB Traveller Card
Apply for your NAB Traveller Card at any NAB branch. Simply bring the necessary supporting documents to prove your identity, such as your passport or Australian driver’s licence. You will be issued two cards on the spot as long as you satisfy the identification requirements.
Are there any eligibility requirements?
- You must have a residential address in Australia.
The NAB Traveller Card may compare favourably among travel cards when it comes to fees and charges since it issues both cards for free and doesn’t charge reload fees, international ATM fees, inactivity or closure fees. Before deciding on a travel card, however, always research and compare all other available options before applying for the one that will best suit your personal travel and spending needs.
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If I collect from a branch and load using direct debit from a savings account how long before I can withdraw? Thanks
Hello David,
Thank you for your inquiry today. :)
Funds loaded through NAB Internet Banking is available immediately while those loaded by BPAY will be on 2-3 business days.
Hope this helps.
Cheers,
Jonathan
Can I reload my traveler card from a Foreign Currency kiosk?
Hi Jack,
Thanks for your question.
Currently, that reloading option is not available. You may reload your NAB traveller card via NAB internet banking, at a NAB branch, or via BPAY. Funds will be available immediately when you reload through internet banking and at the branch. Via BPAY, on the other hand, can take 2-3 Australia business days to show up on your card.
Cheers,
Liezl
Do I receive any Frequent Flyer Points using this card?
Hi Rob,
Thanks for your inquiry.
No, the NAB Traveller Card doesn’t earn Frequent Flyer Points. On the other hand, you can have a look on this page for Frequent Flyer Credit Cards that you can compare.
Cheers,
Rench
I have just received new cards. The accompanying information (Step 4) says that there is an inactivity fee. The NAB Traveller Website says that a feature of the card is that there are no inactivity fees. Which one should I believe?
Hello Mike!
Thanks for the inquiry! :)
I cross-checked on the NAB Travel Card website and on their Product Disclosure Statement page 15, Monthly Inactivity Fee is No fee.
You may want to talk to NAB specialist to verify this matter if there are changes that we’re not aware of.
Hope this helps.
Cheers,
Jonathan
I am travelling to Mexico. If I load NAB Traveller Card with USD and AUSD and then use an ATM in Mexico will I receive USD from the machine or Mexican Pesos?
Hi Emily,
Thanks for your question.
You will receive Mexican Pesos, which is the currency dispensed by the local ATM. Since this currency isn’t supported by the card, the transaction will be debited from your Australian dollar balance and this will incur currency conversion fee.
Cheers,
Liezl
If I have money left on my card when I’m back in Australia, can I change to another currency back home?
Hi Patricia,
Thanks for your question.
Yes, you can change it from one currency to another, however, the NAB Currency to Currency foreign exchange rate will apply. You can do this by logging into the online card services tool My Account, or by calling card services.
I hope this helps.
Cheers,
Liezl
Can I purchase a card for a friend as a gift?
Hi there,
Thanks for your question.
We cannot really say if you can give this card as a gift. I suggest you confirm this with NAB by calling their cards services. You’ll have to take in consideration though that when you purchase NAB traveller card at the branch, they’ll ask for an identification and Australian residential address and it will be registered under your name.
Further, as indicated in NAB Traveller card’s PDS you are generally responsible for all transactions authorised by use of the Cards, PINs, Card Details or undertaken by another person with your knowledge and/or consent.
I hope this helps.
Cheers,
Liezl
I’m traveling to Japan next month and there is a conversion rate to load money on the card. To cash in money after my trip is there a second conversion rate to be paid.
Hi Ron,
Thank you for your inquiry.
One of the advantages of locking-in a currency onto your NAB Traveller Card (other than AUD), for instance, you have locked-in Japanese Yen (JPY) prior to your trip, by the time you withdraw money from an ATM in Japan, the live exchange rate will no longer be applied at that time. So no more second conversion because you can automatically withdraw JPY from the machine.
Cheers,
May
When loading card is it best to use euros or aud and the bank will convert?
Hi Rayl3ne,
Thank you for your inquiry.
Unfortunately, we cannot recommend what is best for you. Our company finder.com.au is a financial comparison website and general information service designed to help consumers to make a better decision. Please note we do not represent any company we feature on our pages.
NAB Traveller Card lets you load up to 10 different currencies (as listed on this page) 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.
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.
I hope this information has helped.
Cheers,
Harold
Which currency should I accept as default and is this easy to change?
Hi Richard,
Thank you for your inquiry.
Typically, if you 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
I hope this information has helped.
Cheers,
Harold