NAB Traveller Card

Rates and fees last updated on

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
Back to top

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
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)
Back to top

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.

Back to top

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.
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.

Back to top

Frequently Asked Questions

No, anyone can get a NAB Traveller Card if they can show identification at a NAB branch and you have an Australian residential address.
No, your second card is designed as a backup card and can only be used if your first card is lost, damaged or stolen.
Currently this card isn’t accepted in Cuba, North Korea, Syria, Iran and Sudan.
Press the 'credit' button when you're completing a transaction using your NAB card.
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.
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.
Back to top
Was this content helpful to you? No  Yes

This page was last modified on 12 January 2017 at 8:04pm.

Ask a Question

You are about to post a question on finder.com.au

  • Do not enter personal information (eg. surname, phone number, bank details) as your question will be made public
  • finder.com.au is a financial comparison and information service, not a bank or product provider
  • We cannot provide you with personal advice or recommendations
  • Your answer might already be waiting – check previous questions below to see if yours has already been asked

Disclaimer: At finder.com.au we provide factual information and general advice. Before you make any decision about a product read the Product Disclosure Statement and consider your own circumstances to decide whether it is appropriate for you.
Rates and fees mentioned in comments are correct at the time of publication.
By submitting this question you agree to the finder.com.au privacy policy, receive follow up emails related to finder.com.au and to create a user account where further replies to your questions will be sent.

138 Responses to NAB Traveller Card

  1. Default Gravatar
    Ron | April 20, 2017

    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.

    • Staff
      May | April 20, 2017

      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

  2. Default Gravatar
    Rayl3ne | April 20, 2017

    When loading card is it best to use euros or aud and the bank will convert?

    • Staff
      Harold | April 21, 2017

      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

  3. Default Gravatar
    richard | April 19, 2017

    Which currency should I accept as default and is this easy to change?

    • Staff
      Harold | April 20, 2017

      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

  4. Default Gravatar
    Marie | April 14, 2017

    Can I get a card immediately or is there a waiting period?

    • Staff
      Liezl | April 14, 2017

      Hi Marie,

      Thanks for your question.

      There’s no waiting period. You can visit any NAB branch and request for a card.

      Kind regards,
      Liezl

  5. Default Gravatar
    sophie | April 11, 2017

    If I have cheques in GBP, would I be able to deposit them onto a traveller card? (to USD?)

    If so, would I be charged a foreign transaction fee? What would that be?
    And would there be a minimum that the GBP cheques would have to be to deposit and what would that be?

    Thanks in advance

    • Staff
      Harold | April 18, 2017

      Hi Sophie,

      Thank you for your inquiry.

      1. If I have cheques in GBP, would I be able to deposit them onto a traveller card? (to USD?) ?
      Answer – When loading at an Australian branch, you are required to bring along the money you wish to place on your card, your NAB Traveller Card, and valid photo ID. You can always clarify the information from the provider.

      2. If so, would I be charged a foreign transaction fee? What would that be?
      Answer – For foreign currency conversion fee a 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)

      3. And would there be a minimum that the GBP cheques would have to be to deposit and what would that be?
      Answer – The minimum amount you can load is $50 or its equivalent in another currency. The maximum is $45,000.

      I hope this information has helped.

      Cheers,
      Harold

  6. Default Gravatar
    T | April 4, 2017

    Hi. Where can I see the currency conversion rates for the card? Because I’m assuming the rates are going to be changed slightly so NAB makes some money on the transaction… thanks.

    • Staff
      May | April 4, 2017

      Hi T,

      Thank you for your inquiry.

      With the NAB Traveller Card, the currency conversions are calculated using MasterCard foreign exchange rate and are subject to the NAB Foreign currency conversion fee and the domestic ATM withdrawal fee. Please click on the “Go to site” button to view the NAB Traveller Card terms and conditions for fees.

      Cheers,
      May

  7. Default Gravatar
    Lyn | March 21, 2017

    Hi, I have a Nab Travel card, still valid, but I haven’t used it since 2014, it has a balance of 40cents. I’m travelling overseas soon & wish to use the card, but I have read that because I haven’t used the card for more than 12 months, I will be charged $4 monthly fee. Is that one $4 or each month I haven’t used it?

    • Staff
      May | March 22, 2017

      Hi Lyn,

      Thank you for your inquiry.

      With NAB Traveller Card, you won’t get charged a monthly inactivity fee. So long your card is still valid, you can still use it.

      Cheers,
      May

  8. Default Gravatar
    Susan | March 18, 2017

    What are the fees charged for atm withdrawals.

    • Staff
      Anndy | March 21, 2017

      Hi Susan,

      Thanks for your question.

      NAB Traveller Card charges $0 per withdrawal on international ATMs and $3.75 per withdrawal at any Australian ATMs.

      Cheers,
      Anndy

  9. Default Gravatar
    Stephen | March 8, 2017

    How long will it take for my card to arrive once I go to the bank? I live in Melbourne.

    • Staff
      Anndy | March 8, 2017

      Hi Stephen,

      Thanks for your question.

      When you get a NAB Traveller Card at any NAB branch, you’ll be provided with an active and ready-to-use card on the spot.

      Cheers,
      Anndy

  10. Default Gravatar
    Michelle | February 22, 2017

    Hi,
    what is the difference in purchasing a NAB Travel card in comparison to just using my NAB MasterCard whilst overseas?
    Im travelling to only two countries for a 1 month period and wondered what would be the benefit of the travel card in the scenario?

    thank you

    • Staff
      May | February 22, 2017

      Hi Michelle,

      Thank you for your inquiry.

      Just to confirm, are you referring to the NAB Classic Banking? If so, please refer below some of the features of this card:

      1. Charges Overseas ATM Withdrawal Fee of $5 and Overseas Eftpos Fee of 3%.
      2. It only holds Australian Dollars – possible to charge conversion fees.
      3. Withdrawals made at NAB ATMs or RediATMs are unlimited and free of charge. Basically less fees when used domestically.

      The NAB Traveller Card, on the other hand, is basically designed to be used overseas as fees are lesser and you can load up to 10 different currencies at the same time.

      Please make sure though to read the eligibility criteria, features and details of these accounts, as well as its relevant PDS/ T&Cs before making a decision and consider whether the product is right for you.

      Hope this helps.

      Cheers,
      May

Ask a question
feedback