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 |
| Card Issue Fee | $0 |
|---|---|
| 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:
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.
What if I return home with foreign currency remaining on the card?
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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Can I pay money on the account from an overseas account or does it have to come from an Australian account. Have a daughter who is going traveling to se family overseas. Can they add money to her card.
Hi Gorilla,
Thank you for visiting finder.
You may reload money to the NAB Traveller Card by either of the following:
*In any NAB Branch – cash on hand
*Internet Banking – funds will be transferred from your NAB Account
*BPAY – Biller code: 195016 and Reference number: Your 16 digit card number. Biller code details are at the back of your NAB Traveller Card
Unfortunately, you may able to transfer money from your Overseas Bank Account to the NA Traveller Card.
I hope this helps.
Let us know if there is anything else that we may assist you with.
Cheers,
Ash
If I have euros in cash, can I take them to the branch to have added to the card?
Or do they only accept AUD or electronic payment?
Hi Shane,
Thank you for getting in touch with finder.
When getting your new card, you will need to tell the NAB customer service representative which currencies you want loaded on your card. Since you have some euros on hand then you have to go to the branch to load that up to your NAB Traveller Card.
The in-branch load minimum and maximum is 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.
I hope this helps.
Have a great day!
Cheers,
Jeni
I am still not clear on whether there is any saving to be made between using my NAB Velocity credit card or a NAB travel card. Can you please outline the differences? Does the credit card charge a currency conversion fee where the travel card does not unless you are using an unsupported currency? Is there a difference between the currency conversion rates between the cards? Thanks
Hi Linda,
Those are interesting questions. Let me break down your questions:
1. Can you please outline the differences?
I recommend that you read our guides on NAB Velocity Rewards Credit Card and NAB Traveller Card.
2. Does the credit card charge a currency conversion fee where the travel card does not unless you are using an unsupported currency?
Yes, there’s a currency conversion fee for your NAB credit card. Other fees include the following:
Overseas cash advance fee: 2% or $2.50, whichever is greater
Overseas ATM Balance check: $1
Overseas ATM Withdrawal Fee: $5
Foreign Currency Conversion Fee (VISA): 3% of transaction value
Foreign currency conversion fees are charged when you make a transaction that is converted by a credit card network, such as MasterCard, Visa or American Express, from Australian dollars to a foreign currency. You’ll also incur a currency conversion fee if you make a purchase or obtain a cash advance in Australian dollars while overseas or shopping online with a foreign merchant or financial institution.
On the other hand, 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.
3. Is there a difference between the currency conversion rates between the cards?
Yes, there’s a difference. For NAB Velocity, the currency conversion rate is 3% of transaction value while for NAB travel card, it’s 4%.
I hope this helps. Should you have further questions, please don’t hesitate to reach us out again.
Have a wonderful day!
Cheers,
Joshua Infantado
The exchange appears to be “Locked In” when the card is “Loaded”. Will that be the same exchange rate used when the card is finally closed or on the completion of your travel?
Plus the fee of course.
Hi Glenn,
Thanks for reaching out.
If your travel has ended and you have a currency remaining on your card, you may keep the funds on your card for future travel, or you can close your account completely. Should you wish to closes your account, 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, you can instantly transfer funds from your travel card to your NAB bank account via internet banking without closing the travel card.
Cheers,
Joanne
I am going to America and already have a travelers card and a family member has given me US dollars and I was wondering if I can put this US money on my travelers card at the bank.
Hello Dylan,
Thank you for your inquiry.
Absolutely! You can load up to 10 currencies on your card and US dollars is one of them. It can be loaded through BPAY or by visiting a NAB branch near you.
Also, you can move funds from one currency to another currency using NAB Internet Banking or My Account, currency-to-currency foreign exchange rate applies.
Hope this helps.
Cheers,
Jonathan
I will be travelling to South America. The various South American currency are not supported on the card. So I will be transferring from my online account AUD onto the card. Will the only benefit of using this card be that I will not be charged a NAB ATM fee of e.g. $5. All other normal charges i.e. currency conversion fees, will still be the same as if I was using my normal debit card.
Hi Anna,
Thanks for reaching out.
If the NAB Traveller card does not let you load the currency of your destination or you do not have any funds loaded in that currency, your existing currencies will be converted in order of priority. Your card will convert loaded currencies in this order (fixed by the bank): AU$, US$, GB£, EU€, CA$, NZ$, JP¥, SG$, HK$, and THß.
NAB applies the ‘currency to currency’ exchange rate when you exchange funds from one currency to another. While you will get slightly less when you exchange funds on a travel card compared to using a Visa or Mastercard credit/debit card, you’re going to avoid the currency conversion fee using a travel card.
By default, when you load money onto the card, funds are credited as AUD, you’re responsible for exchanging the funds to one of the foreign currencies listed above using NAB’s online banking or over the phone. The exchange rate is locked in when you transfer money between different currencies.
Compared to other travel cards, the NAB Traveller Card is low on fees. NAB does not charge an international ATM fee when you use this card to withdraw cash from an overseas ATM, there are no initial load or reload fees. Note that the international ATM operator may charge a fee when you make a withdrawal.
You may view this page to read more.
Cheers,
Joanne
Can we use this card in India? Its not mentioned on the list
Hi Jodie,
Thank you for your inquiry.
Yes, you can still use the NAB Traveller Card in India. However, please note that the “order of priority” will be used in which funds will be taken off your card if there is not enough of the currency of the transaction on the card. The card will select the available currency in the following order: AU$, US$, GB£, EU€, CA$, NZ$, JP¥, SG$, HK$, and THß. So since Indian Rupee is not a supported currency, your transactions may require a currency conversion which is calculated using MasterCard foreign exchange rates and are subject to the NAB Foreign Currency Conversion fee.
So for instance, you only have AUD on the card, the conversion would be from AUD to Indian Rupee which is subject to the Forex rate of Mastercard and NAB foreign conversion fee.
Cheers,
May
Is there an inactive use fee or a fee ?
Hi Vic,
Thanks for visiting finder.
Upon checking there is no fee for an inactive card (after 12 months inactivity)
You can view that information on this link below by clicking on the FEE tab:
https://www.finder.com.au/nab-traveller-card
Should you need more information, please click on the GO TO SITE button.
Hope this helps,
Joanne
Questions regarding NAB traveler card:
1. Am I able to pay cash to load money onto the card? If so, does this have to be done over the counter at a NAB branch?
2. While I’m in overseas, if I load money onto the NAB Traveller card from my Australian bank account (not a NAB account) with Bpay, as stated there is up to 3 days before the funds are available. Do I change the AUD to the local foreign currency at the time of transfer, or once funds are cleared and made available?
Thanks,
Steve
Hi Steve,
Thank you for contacting finder. We are a comparison website and general information service, we’re more than happy to offer general advice.
According to NAB, you should be able to load the card at the branch with cash – as for the Bpay, speak to the branch about adding the card to your Internet Banking. You can then load the card within 24 hours with the currency you need
I hope this helps.
Cheers,
Danielle
HI
I have reviewed some of the earlier responses but can’t see a response to the following. I require some GBP before I go to the UK. I have GBP loaded on my NAB travel card. Am I able to go to an NAB branch in Australia and withdraw GBP ? If so, then how much notification does a branch need in order to arrange for GBP to be delivered to the branch and are there any limits?
Thanks
Hi Phillip,
Thank you for your inquiry.
When you load funds transfers can take up to three business days to process. While NAB does not charge a fee for international ATM withdrawals, the ATM operator may nevertheless directly charge you a fee. In addition, there is 24 hour ATM cash withdrawal limit of $3,000.
I hope this information has helped.
Cheers,
Harold