NAB Traveller Card

Rates and Fees verified correct on March 27th, 2017

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
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
NAB Internet banking,
NAB branch,
and BPAY reload fee
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)
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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.


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


  • 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.

  • 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 12 January 2017 at 8:04pm.

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126 Responses to NAB Traveller Card

  1. 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.


  2. Default Gravatar
    Susan | March 18, 2017

    What are the fees charged for atm withdrawls.

    • 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.


  3. 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.


  4. Default Gravatar
    Michelle | February 22, 2017

    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.


  5. Default Gravatar
    Greg | February 1, 2017

    Can someone else put funds onto my card if required in a NAB branch whilst I am travelling and require more funds

    • Staff
      Anndy | February 1, 2017

      Hi Greg,

      Thanks for your question.

      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. So depositing at a branch may not be an option if you are already overseas and you have the card with you.

      There are two other options to deposit into this card.

      - NAB Internet banking – where you can transfer funds from your linked NAB accounts. Funds will be available immediately.
      - BPAY – You can use phone banking or any internet banking to reload money on your card via BPAY. If you use this method, you should set up NAB Traveller Card as a preferred biller before you travel. Otherwise, for SMS security you will need your mobile with global roaming activated the first time you reload your card.

      I hope this helps.


  6. Default Gravatar
    Patricia | January 12, 2017

    when I return to Australia and want to get back any outstanding cash still on my card, am I charged a fee?

    • Staff
      May | January 12, 2017

      Hi Patricia,

      Thanks for your question.

      You can withdraw your remaining funds at an ATM, but NAB charges $3.75 per withdrawal at any Australian ATM. Alternatively, you can transfer the remaining funds in your card to your linked NAB account. You may keep your card for future use and there is no monthly inactivity fee charged on the card.


  7. Default Gravatar
    julie | January 7, 2017

    Do these cards have an expiry date? I’m thinking about getting one now, to be ready for our holiday in 12 months.

    • Staff
      Jason | January 7, 2017

      Hi Julie,

      Thank you for your enquiry.

      The NAB Traveller Card has an expiry date. The expiry date is printed on the front of the card and is unique per cardholder.

      Kind regards,

  8. Default Gravatar
    Jim | January 2, 2017

    What is the cost to purchase the NAB traveller card from the bank?

    • Staff
      Anndy | January 2, 2017

      Hi Jim,

      Thanks for your question.

      There is no cost for submitting an application for a NAB Traveller Card at a local branch.


  9. Default Gravatar
    Bill | December 30, 2016

    In this discussion, a question is raised about using the 2nd card and same MAY mean the 1st card is deactivated. Is this the ‘absolute’ position, or is it a ‘Maybe’ position?

    • Staff
      Jason | January 1, 2017

      Hi Bill,

      Thank you for your enquiry.

      Regarding that situation where the secondary card is used and the primary card is deactivated, it is in an ‘absolute’ position. Once the secondary card is used, NAB will then suspend the primary card to restrict further use. They can detect if the secondary card is used since it has a different PIN.

      Kind regards,

  10. Default Gravatar
    Leigh | December 3, 2016

    If I am travelling in Canada and withdraw CAD from an ATM, will I be charged any fees? It appears there should be no ATM fees and no currency conversion fees as the Card recognises Canadian $. Are there any other Foreign transaction fees and that are charged?

    • Staff
      Jason | December 4, 2016

      Hi Leigh,

      Thank you for your enquiry.

      The 4% foreign currency conversion fee may apply if you make a transaction in a currency that you haven’t preloaded on the card. You may avoid that fee by locking in the currency exchange rate of a specific currency that you’ll need in your travel when you load funds into the card.

      Kind regards,

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