St.George Global Currency Card Review

Rates and Fees verified correct on October 25th, 2016

Access your funds overseas, lock in exchange rates and save on currency conversion fees with the St.George Global Currency Card.

The St.George Global Currency Card is an affordable and convenient way to spend money when you are overseas or shopping online. This prepaid debit card lets you load and spend your funds in up to five different currencies at a time with 11 currencies to choose from, and can be used wherever Visa is accepted.
The St.George Global Currency Card also comes with a backup card that has its own card number and PIN, making it easier to access your funds if your primary card is lost, stolen or damaged. Find out more about this card’s features and how it works here, then compare it to other travel money cards to find the right option for you.

Reloading funds & currencies

The St.George Global Currency Card lets you load money onto your account at any time, with Internet banking and a mobile app to make it easier to manage the card wherever you are. As well as Australian dollars, you can choose up to four other currencies to carry on the card, and it will automatically use the correct currency for any transactions that you make.

Which currencies can I use?

Choose to add funds from the following 11 currencies:

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

How to load and reload funds

There are three options for loading and reloading funds with a St.George Global Currency Card:

  1. St.George Internet and mobile banking. If you have a St.George bank account, you can instantly load funds to your Global Travel Card by logging into your account and selecting it as the “To” account.
  2. Other account transfers. You can load funds from another Australian Financial Institution by using the BSB and account number provided with your St.George Global Currency Card. To find these details, log into your St.George Global Currency Card account and click on the “Add Money” option.
  3. BPAY. You can use BPAY by entering the Biller Code 208637 and your customer reference number, which is the 13 digit number on the back of your card.

Depending on the transfer method you use, it could take 1-3 days for funds to appear in your account, so keep this in mind when your balance is running low.

Where can I use the card?

  • Anywhere Visa is accepted. You can use the St.George Global Currency Card at any location that accepts Visa, both in store and online. You can also avoid ATM withdrawal fees at over 50,000 locations with Global ATM Alliance partners.
  • Where your loaded currencies are accepted. The St.George Global Currency Card automatically uses the currency in which a transaction is being processed when it is loaded onto the card. If you have insufficient funds in that wallet or if you are making a purchase in an unsupported currency, the first available currency in the drawdown sequence will be used. For example, if you have US$90 in your US Currency wallet but you need US$, the remaining US$10 will be taken from the next wallet on your list.

Fees and charges

Main fees/ charges associated with St.George Global Currency Card
Card replacement feeA $0 charge applies for replacing lost or stolen cards.
Emergency cash transfer feesRequesting emergency cash if your card is lost or stolen will attract fees of between $15-$30 depending on the amount of cash requested.
Card reload feeWhile the initial load is free, all subsequent reloads attract a charge of 1% of AUD value loaded up to maximum $10.
Foreign exchangeA 3% charge applies if a payment is made in a currency not supported by the card.
ATM transaction feesYou will be charged a fee if you use any ATMs outside the Global ATM Alliance. This fee is applied in the local currency, and ranges from AUD$2 to THB$75.

ATM withdrawal fees

 United States of AmericaUSD$2
 United KingdomGBP1.50
 New ZealandNZD$3
 Hong KongHKD$15
 South AfricaZAR20

Keep in mind that foreign ATMs and businesses may also apply other fees and charges when you use the card. The payment processor or merchant should provide these details before your transaction is completed so you can choose whether or not to go ahead with it.

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Manage your account

You can check your balance, load funds, exchange currencies and manage your account via theGlobal Currency Card website, mobile banking app or by contacting customer service on 1300 277 103.

The currencies available on your card are divided into separate categories or “wallets”, which will each have their own balance based on how you use money on the card. While there are 11 wallets available, only five can be active at any time and the Australian currency wallet must always be active.

Exchanging currencies on the card

When you load funds onto your card from another bank account, the money will automatically be added to the Australian currency wallet. From there, you can transfer funds into the other currency wallets via the Global Currency Card website, mobile app or by calling customer service.

The internet and mobile banking services also let you choose which wallets are in use at any given time. This makes it easier to keep track of the balances of your wallets so that you have the right funds available when you need them.

What if I have funds leftover after using the card?

If you return from a trip and still have foreign currency on the card, you have three main options:

  1. Leave the money on your Global Currency Card for future use
  2. Transfer the funds to the Australian currency wallet and use the card to make purchases anywhere Visa is accepted
  3. Close the account by completing the account closure form available at the St.George website.

Security + emergency contact details

  • Chip and PIN technology. This prepaid Visa debit card has an embedded microchip for data security, and a customisable PIN for secure transactions.
  • Additional card. If your primary Global Currency Card is lost or stolen, you can cancel it and use the backup card instead.
  • Visa Zero Liability Policy. This insurance policy covers the cost of fraudulent or unauthorised charges that are made on the card. Keep in mind this coverage does not apply to ATM transactions, transactions not processed by Visa or certain commercial card transactions. To be eligible for Zero Liability coverage, you will need to make sure no one else has your card or card details, sign the back of the card when you get it and follow the other guidelines in the Product Disclosure Statement.
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Getting your card

Get your card and start using it by following these steps:

  1. Order the card. If you’re a St.George customer, you can order your Global Currency Card online via Internet banking or get one in a St.George branch.
  2. Activate the card. Once you’ve received your card, you’ll need to activate it via the Global Currency website. You’ll need your 16-digit number on the front of the card, the expiry date and the CVV2 (the last three digits on the back of your card).
  3. Choose your PIN. When you activate the card, you’ll be asked to select a four-digit PIN to secure your transactions. Avoid choosing PINs that will be easy for other people to guess (e.g. 1234) and memorise it as soon as you can.
  4. Load money. Your initial load is free and you can add money to the card by a bank transfer or BPAY.

What to watch out for

  • Limited to existing St.George customers. Only people who currently have a St.George account can get a Global Currency Card.
  • Fees. The 1% reload fee and ATM fees could quickly add up when you are using this card.
  • Minimum load. There is a minimum load amount of $100 for the initial load, and $50 for all others.
  • Maximum daily transfer. Your transfers onto the card are capped at $6,000 a day for BPAY, or $25,000 for bank transfers.
  • Maximum balance. Your available balance must not exceed $50,000 at any time.
  • Exchange rates. If you don’t have enough money in the appropriate currency wallet, the auto Wallet transfer will take it from another account and exchange rates and fees will apply. This process could have a major impact on the balance of your card (and your budget).

The St.George Global Currency Card offers you a flexible and affordable way to make overseas payments both in person and online. By considering the features and conditions of this card and comparing it to other options, you will be able to find a travel money card that really suits your needs.

Frequently asked questions

Is the Global Currency Card a credit card?

No, it is a Visa Prepaid card. You’ll need to load money onto the card before you can use it. When you make a purchase or withdraw cash from an ATM, the amount will then be deducted from your preloaded balance.

Can I use foreign currencies to load the card?

No, you can only load Australian dollars onto the card, which you can then transfer across to your preferred supported currency wallet.

What happens when the card expires?

If the card expires, you won’t be able to log in to your account. To close your account and receive your remaining balance, you’ll need to contact the Customer Assistance team and request an account closure form. Once you’ve completed the form, St.George will convert the remaining balance into Australian dollars and pay it into your preferred Australian bank account.

I’m not a St.George customer. Can I get this card?

Currently St.George only offers the Global Currency Card to existing customers. You may want to browse St.George accounts and consider becoming a customer to get this card. Otherwise, you can consider other travel money cards.

What happens if I use the card in a country with a currency that’s not listed here?

If you use the St.George Global Currency Card in a currency that’s not available on your account, the funds will be taken from your Australian currency wallet, or any other wallet with sufficient funds. Keep in mind that exchange rates and fees will apply.

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This page was last modified on 9 May 2016 at 13:26.

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2 Responses to St.George Global Currency Card Review

  1. Default Gravatar
    Jan | August 16, 2016

    Is there a time limit in which banks (via a travel debit card) must reinstate an amount to your account after a security deposit has been released?

    • Staff
      Sally | August 17, 2016

      Hi Jan,

      Thanks for your question.

      There isn’t a time limit but it can sometimes take up to a few weeks for deposits to be returned to your travel card. This is why we generally encourage that people use their backup credit or debit card for deposits to avoid having their travel money withheld while overseas.

      I hope this has helped.



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