The best travel money cards for Australian travellers

Using your debit card overseas

Debit cards allow you to spend the money you have in your bank account, instead of having to pre-load it like a prepaid travel card. There are some debit cards that don't charge any international transaction fees and even some that allow you to hold multiple currencies.

Debit cards with no international transaction fees

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Finder Score	Monthly fee	Own network ATM fee	International transaction fee	International ATM Fee
Promoted Finder score 9.8Excellent ING Orange Everyday Account Apple PayGoogle Pay	Finder score 9.8Excellent	Monthly fee $0	Own network ATM fee $0	International transaction fee 0%	N/A	Cashback: Get a 1% utility cashback worth up to $100 per year with eligible providers. T&Cs apply.	Go to siteView details Compare product selection Compare	loading
Finder score 9.1Excellent Suncorp Bank Everyday Options Account Apple PayGoogle Pay	Finder score 9.1Excellent	Monthly fee $0	Own network ATM fee $0	International transaction fee N/A	N/A	ContinueView details Compare product selection Compare	loading
Finder score 8Great IMB Everyday 50PLUS Apple PayGoogle PaySamsung PayGarmin Pay	Finder score 8Great	Monthly fee $0	Own network ATM fee $0	International transaction fee 0%	N/A	Available to members aged 50+ or receiving an eligible permanent pension.	ContinueView details Compare product selection Compare	loading
Finder score 9.8Excellent Ubank Spend Account Apple PayGoogle PaySamsung PayGarmin Pay	Finder score 9.8Excellent	Monthly fee $0	Own network ATM fee $0	International transaction fee 0%	N/A	ContinueView details Compare product selection Compare	loading
Finder score 7.6Great Suncorp Bank Everyday Essentials Account Apple PayGoogle Pay	Finder score 7.6Great	Monthly fee $0	Own network ATM fee $0	International transaction fee	N/A	ContinueView details Compare product selection Compare	loading

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Best prepaid travel cards to load foreign currency

Instead of a debit card, a prepaid card lets you load up on the currency you need before you get there. There are several options for this, but the right one for you will largely depend on the currency you're going to be using.

We've looked at the top 10 most popular travel destinations for Aussies based on the Australian Bureau of Statistics overseas departure and arrivals data and rounded up the most relevant travel cards you could use in each location. From the rolling hills of New Zealand to the bustling streets of China, read on for the travel card tips you'll need for your next holiday.

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Finder Score	Available Currencies	ATM Withdrawal Fee	Initial Load Fee	Reload fee
Promoted 8.4 Great Wise Travel Money Card	8.4 Great	AUD, USD, CAD, EUR, GBP, HKD, CNY, JPY, NZD, SGD, THB, VND, AED, ZAR, DKK, SEK, CHF, IDR, MYR, PHP, PLN, CLP, CZK, KRW, HUF, NOK, ILS, KES, LKR, HRK, INR, MAD, MXN, PKR, BGN, EGP, RON, TRY	Free ATM withdrawals per month up to AUD$400, then 2.69% per withdrawal	$0	$0	Free ATM withdrawals up to $400 per account per month, allows more than 40 different currencies, can be used in more than 160 countries and withdraw money from 3 million ATMs worldwide.	Go to siteView details Compare product selection Compare	loading
Promoted 9.9 Excellent Revolut Travel Money Card	9.9 Excellent	AUD, USD, CAD, EUR, GBP, HKD, CNY, JPY, NZD, SGD, THB, VND, AED, ZAR, DKK, SEK, CHF, IDR, PHP, PLN, CLP, CZK, SAR, KRW, HUF, NOK, ILS, COP, QAR, INR, MAD, MXN, BGN, EGP, ISK, KZT, RON, RSD, TRY	Standard: No ATM fee for the first $350 worth of withdrawals per month, then 2% per withdrawal Plus: No ATM fee for the first $350 worth of withdrawals per month, then 2% per withdrawal Premium: No ATM fee for the first $700 worth of withdrawals per month, then 2% per withdrawal Metal: No ATM fee for the first $1,400 worth of withdrawals per month, then 2% per withdrawal Ultra: No ATM fee for the first $3,500 worth of withdrawals per month, then 2% per withdrawal (ATM providers may apply their own fees)	$0	$0	Get $15 when you spend $15 within the first 14 days of opening your new Revolut account. Ends 31 Dec 2026. T&Cs apply.	Go to siteView details Compare product selection Compare	loading
8.6 Great Australia Post Travel Platinum Mastercard	8.6 Great	AUD, USD, CAD, EUR, GBP, HKD, JPY, NZD, SGD, THB, AED	Overseas: $3.50 AUD or equivalent in foreign currency Some ATM operators may charge their own fee Domestic: 2.95% of the amount withdrawn	$0	$0	Holds up to 11 currencies with $0 currency conversion fees when you load and spend in the same currency.	ContinueView details Compare product selection Compare	loading
8.3 Great Travelex Money Card	8.3 Great	AUD, USD, CAD, EUR, GBP, HKD, JPY, NZD, SGD, THB	Overseas and domestic: $0 but some ATM operators may charge their own fee	$0 (via online) or $0 (via branch)	$0	Lock in exchange rates for up to 10 currencies, pay no overseas ATM fees and get exclusive merchant offers.	ContinueView details Compare product selection Compare	loading
8.2 Great Westpac Worldwide Wallet	8.2 Great	AUD, USD, CAD, EUR, GBP, HKD, JPY, NZD, SGD, THB, ZAR	AUD $2.00, USD $2.00, GBP £1.50, EUR €2.00, NZD $3.00, CAD $2.50, HKD $15.00, SGD $3.00, JPY ¥200, THB ฿75.00, ZAR R20.00	$0	$0	$0 transaction, loading and conversion fees, plus free withdrawals at Global ATM Alliance ATMs.	ContinueView details Compare product selection Compare	loading

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Finder Score for travel money

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It's simple. We crunch a bunch of data for every travel money card in our database: fees, withdrawal limits, currency options, max load amounts, you name it.

The end result is a simple score out of 10 for every card. The higher the score, the better the card for most customers.

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Australian travel statistics

Australia is a nation of travellers. According to the Australian Bureau of Statistics, there were 12,261,080 resident returns from overseas in 2024-25.

1. Indonesia

Aussies love the tropical climate, beaches and poolsides of Indonesia. Despite our close proximity to Indonesia and Australia's reputation for frequenting tourist destinations such as Bali, only some Australian travel cards let you hold and spend Indonesian rupiah.

However, as Visa and Mastercard are accepted in Indonesia, you can still use an Australian travel card when you're there. If your card doesn't support rupiah, look for one that doesn't charge a currency conversion fee.

Browse our Indonesia travel money guide for more travel money options.

2. New Zealand

The land of towering snow-capped mountains, crystal blue lakes and hobbits and elves often tops Australia's list of favourite travel destinations. Conveniently, most Australian prepaid travel cards support New Zealand dollars.

See our New Zealand travel money guide for more tips to help you prep for your trip over the Tasman.

3. Japan

Whether you want to bask in the beauty of cherry blossom season or tear up the snowy slopes, there are plenty of travel card options if you're planning a trip to Japan.

See our Japan guide for more travel money tips for your next holiday.

4. The USA

The land of stars and stripes also has a soft spot in the heart of Australian travellers. So, it's probably no surprise that most Australian prepaid cards support US dollars.

See our US guide for the best travel money options for your next trip to the states.

5. Thailand

Thailand is a popular holiday destination for many Aussies seeking sunshine and rich culture, so it's lucky that quite a few Australian travel cards support the Thai baht.

Use our Thailand travel money guide to research more travel money options for your trip.

6. China

China has become a new popular destination for Australians to travel to since 2024. There are a few travel card options to choose from.

7. India

Only some Australian travel cards support the Indian rupee. If your card doesn't support rupees, look for one that doesn't charge a currency conversion fee when you spend in an unsupported currency.

8. The UK, Canary Islands & the Isle of Man

If you're making a Eurotrip to the UK, you'll be glad to know that most Australian prepaid travel cards support the pound sterling.

Use our UK travel guide for everything you need to plan your next trip to the UK.

9. Vietnam

A land of beautiful beaches, Buddhist pagodas and bustling cities, Vietnam makes the list of Australia's most popular travel destination. If you're planning a trip and want to spend in Vietnamese dong, there are travel card options to choose from.

You can find more travel money options for your trip to Vietnam with this guide.

10. Fiji

While the white sands and crystal blue waters of Fiji are a favourite for Aussie travellers, only some prepaid travel cards support the Fijian dollar. However, as Mastercard and Visa are widely accepted in Fiji, there are still a few options available for holidaymakers drawn to this island oasis.

See our Fiji guide for more travel money tips and tricks.

While there's no single best travel money card out there, it's easier to narrow down your search when you know which cards support the local currency you'll be spending in on your trip. Once you've done this, look for any issue fees, ATM withdrawal fees and loading costs to help compare your travel money options and pick the right travel card companion for you.

Frequently Asked Questions

• What is the best travel card for Australians?

  The Wise travel card and Revolut travel card are among the best travel cards for Australians. The Wise card offers great exchange rates and low fees. The Revolut card offers a 3 month trial for the Premium plan – saving you $29.97 when you first join. Just keep in mind that a $9.99 monthly fee applies for Premium after that. Both are excellent choices for frequent travellers.

• Which prepaid card is best for international travel?

  The Wise travel card is one of the best prepaid cards for international travel. It allows you to hold multiple currencies at once and offers competitive exchange rates with low fees. It's widely accepted and ideal for travellers who want to avoid high conversion costs.

• Is it better to get a travel money card or cash?

  A travel money card offers more security and protection against theft, and often attract lower fees, though you need to book well in advance of your travel dates to get the lowest fees. Cash can still be useful for small purchases and in destinations where card acceptance is limited.

• Is it worth getting a travel money card?

  It can be worth getting a travel money card if you want to avoid the high fees and poor exchange rates often associated with credit cards and cash conversions. Travel money cards offer convenience, security and the ability to lock in exchange rates before you travel, helping you manage your budget more effectively. The potential downside is the extra work and effort that goes into organising the card, and also transferring money back after your travel has ended.

Written by

Sally McMullen

Journalist

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Sally McMullen is a journalist with five years of experience covering credit cards and consumer finance. As co-host of the Two Broke Chicks podcast and co-author of Rich In Life, Sally shares valuable money-saving tips and life lessons with her audience. Sally was a Credit Cards Editor at Finder from 2015 to 2020. See full bio