Finder Travel BuddyTM

Where will your money go the furthest?

Countries ranked cheapest to most expensive February 2018

RankingCountry
1Brazil
2Indonesia
3Canada
4South Africa
5Spain
6Thailand
7New Zealand
8Australia
9North America
10Japan
11Germany
12France
13United Kingdom
14Hong Kong

Just some of the brands we work with

expedia

contiki

Virgin Australia

SCTI

Emirates

TripAdvisor

1cover

Travel Money

Rates last updated February 24th, 2018
$
Name Product Product Description Debit Card Access ATM Withdrawal Fee Monthly Account Fee Overseas ATM Withdrawal Fee Overseas Eftpos Fee
Westpac Choice
$0 Overseas ATM fee when you withdraw from the Global ATM alliance network. International transaction fee still applies.
Mastercard
$0
$5
3%
St.George Complete Freedom Account
$0 Overseas ATM fee when you withdraw from the Global ATM alliance network. International transaction fee still applies.
Visa
$0
$5
3%
Macquarie Transaction Account
$0 International transaction fees. Overseas ATM fee still applies.
Mastercard
$0
$5
$0
Macquarie Platinum Transaction Account
$0 International transaction fees. Overseas ATM fee still applies.
Mastercard
$0
$5
0%
Citibank Plus Everyday Account
$0 International transaction fees and $0 overseas ATM withdrawals fees if you use a Citibank ATM overseas.
Mastercard
$0
$0
0%

Compare up to 4 providers

Rates last updated February 24th, 2018
Name Product Foreign Currency Conversion Fee Overseas ATM Withdrawal Fee Overseas Cash Advance Fee Annual fee Product Description
ANZ Frequent Flyer Black
3%
of transaction value
$5
2% of the transaction amount or $4.00 (whichever is greater)
$0 p.a. annual fee for the first year ($425 p.a. thereafter)
Get 75,000 bonus Qantas Points when you meet the spend requirement, a $0 first year annual fee & 2 yearly complimentary Qantas Club invitations.
Virgin Australia Velocity Flyer Card - Balance Transfer Offer
3.3%
of transaction value
$5
$64 p.a. annual fee for the first year ($129 p.a. thereafter)
Save with 0% p.a. for 18 months on balance transfers and earn 3 bonus Velocity Points per $1 for the first 3 months. Offer ends on 28 February 2018.
HSBC Platinum Credit Card
3%
of transaction value
$129 p.a.
Offers a 0% p.a. for 22 months balance transfer and an annual fee refund each year when you spend $6,000. Plus, complimentary travel insurance.
American Express Platinum Edge Credit Card
3%
of transaction value
$195 p.a.
Receive a bonus 50,000 Membership Rewards points, a yearly $200 Travel Credit and complimentary domestic and international travel insurance.
HSBC Platinum Qantas Credit Card
3%
of transaction value
$199 p.a.
Receive 60,000 bonus Qantas Points when you spend $3,000 within 3 months of card approval, plus enjoy complimentary travel insurance.
ANZ Rewards Travel Adventures card
0% of transaction value
$0
$0
$225 p.a.
Receive 40,000 bonus Velocity Points, 2 yearly Virgin Australia lounge passes, plus enjoy $0 overseas purchase transaction fees.

Compare up to 4 providers

Rates last updated February 24th, 2018
Name Product Description Available Currencies ATM Withdrawal Fee Reload Fee Initial Load Fee
Hold up to 11 currencies on the card and get a locked-in exchange rate. Use at home and overseas to rack up Qantas Points on eligible purchases.
AUD, AED, CAD, EUR, GBP, HKD, JPY, NZD, SGD, THB, USD
AUD 1.95, CAD 2.00, EUR 1.50, GBP 1.25, HKD 15.00, JPY 160, NZD 2.50, SGD 2.50, USD 1.95, THB 70.00, AED 6.50

$0
$0
Hold up to 10 currencies and lock in your exchange rate. No transaction fees on purchases with a backup card in case one is lost or stolen.
AUD, CAD, EUR, GBP, HKD, JPY, NZD, SGD, THB, USD
AUD 3.50, USD 2.50, GBP 2.00, EUR 2.20, NZD 4.50, CAD 3.00, HKD 20.00, SGD 4.00, THB 95, JPY 260

0%
$0
Load up to 5 different currencies and hold up to AU$10,000. Save with a $0 card issue fee and $0 load fees.
AUD, GBP, EUR, NZD, USD
AUD$2 equivalent
$0
$0
Lock in exchange rates for up to 10 currencies, pay no overseas ATM fees and get exclusive merchant offers.
AUD, CAD, EUR, GBP, HKD, JPY, NZD, SGD, USD, THB

Overseas: $0. Although, some ATM operators may charge their own fees or set their own limits


Domestic: 2.95% of the amount withdrawn

0%
The greater of 1.1% of the initial load / reload amount or AUD 15.00

Compare up to 4 providers

Rates last updated February 24th, 2018
Name Product Min. Transfer Amount Transfer Speed Services Online Transfer Fee Rate Amount Received Description
TorFX International Money Transfers
AUD 200
1 day
Online, Phone, Agent
TorFX guarantee to beat any competitor's exchange rate for a transaction. Conditions apply.

Send money overseas in 45 currencies. Once registered, you'll be assigned an Account Manager who can provide support and guidance.
Exclusive: OFX (Ozforex) International Money Transfers
AUD 250
1 day
Online, Phone, Agent
Exclusive offer: Discounted exchange rates for your first and ongoing transactions. $0 transfer fee.
A higher exchange rate applies to non-finder customers. Send money in 45 currencies.
Exclusive: WorldFirst International Money Transfers
AUD 2,000
1 day
Online, Phone
Chinese New Year Offer - receive $20 credit in your account (T&C's apply)
Exclusive offer: $0 transfer fee and discounted exchange rates for your first trade.

A higher exchange rate applies to non-finder customers. Send money in more than 130 currencies.
FC Exchange International Money Transfers
AUD 3,000
1 day
Online, Phone, Bank Account to Bank Account
FC Exchange can save you money with its Best Exchange Rate Guarantee. Conditions apply.

No transfer fee when transferring more than £10,000 or equivalent. Send money in over 130 currencies.
XE International Money Transfers
AUD 0
1 day
Online, Phone, Bank Account to Bank Account
Enjoy fast, secure and fee-free international money transfers from global payments provider XE.
HiFX International Money Transfers
AUD 50
2 days
Online, Phone, Agent
Make your first transfer for free

Send money in more than 40 currencies.
Currency Online International Money Transfers
AUD 0
2 days
Online, Phone
Enjoy regular scheduled transfers, one off transfers and a range of currencies. Also enjoy your first transfer for free.
Moneycorp International Money Transfers
GBP 50
Same day
Online, Phone, Bank Account to Bank Account
The longest standing and largest full service specialist currency provider in the UK.
Foremost Currency Group
AUD 1,000
1 day
Online, Phone, Agent, Bank Account to Bank Account
Trade over 40 currencies with no transfer fees with Foremost Currency Group.
Compass Global Markets International Money Transfers
AUD 1,000
1 day
Online, Phone
Send money overseas in at least 140 currencies.
The ‘Rate’ and ‘Amount Received’ displayed are indicative rates that have been supplied by each brand or gathered by Finder.

Exchange rates are volatile and change often. As a result, the exchange rate listed on Finder may vary to the actual exchange rate quoted for the brand. Please confirm the actual exchange rate and mention “Finder” before you commit to a brand.

Compare up to 4 providers

Rates last updated February 24th, 2018
Name Product Bonus Points Rewards Program Rewards Points per $ spent Purchase rate (p.a.) Annual fee Product Description
NAB Qantas Rewards Signature Card
100,000 bonus points
Qantas Frequent Flyer


1
19.99% p.a.
$395 p.a.
Earn Qantas Points on your everyday spending, take advantage of complimentary overseas travel insurance and a 24/7 concierge service.
Qantas American Express Ultimate Card
100,000 bonus points
Qantas Frequent Flyer


1.5
20.74% p.a.
$450 p.a.
Take advantage of 100,000 bonus Qantas Points, a $450 Qantas Travel Credit each year and 2 yearly complimentary Qantas Club lounge invitations.
American Express Velocity Escape Card
12,500 bonus points
Velocity Frequent Flyer


1
20.74% p.a.
$0 p.a.
Receive a bonus 12,500 Velocity Points, pay a $0 annual fee for life and take advantage of a 0% p.a. for 12 months balance transfer offer.
Virgin Australia Velocity Flyer Card - Bonus Points Offer
60,000 bonus points
Velocity Frequent Flyer


0.66
20.74% p.a.
$64 p.a. annual fee for the first year ($129 p.a. thereafter)
Earn up to 60,000 bonus Velocity Points in the first 3 months and enjoy a discounted annual fee of $64 for the first year. Ends 28 February 2018.
HSBC Platinum Qantas Credit Card
60,000 bonus points
Qantas Frequent Flyer


1
19.99% p.a.
$199 p.a.
Receive a complimentary Qantas Frequent Flyer membership and take advantage of complimentary international travel insurance.
Qantas American Express Discovery Card
Qantas Frequent Flyer


1
20.74% p.a.
$0 p.a.
Earn uncapped Qantas Points on purchases, pay $0 annual fee for life and take advantage of a 0% p.a. for 12 months balance transfer offer.
ANZ Frequent Flyer Black
75,000 bonus points
Qantas Frequent Flyer


1
19.99% p.a.
$0 p.a. annual fee for the first year ($425 p.a. thereafter)
Get 75,000 bonus Qantas Points when you meet the spend requirement, a $0 first year annual fee & 2 yearly complimentary Qantas Club invitations.
Virgin Australia Velocity Flyer Card - 0% Interest Offer
Velocity Frequent Flyer


0.66
0% p.a. for 14 months (reverts to 20.74% p.a.)
$129 p.a.
Receive an exclusive Virgin Australia Gift Voucher each year and benefit from an interest-free offer for the first 14 months.
Citi Platinum Credit Card - 100k Bonus Points
100,000 bonus points
Citi Rewards Program


1
20.99% p.a.
$49 p.a. annual fee for the first year ($149 p.a. thereafter)
Earn 100,000 reward Points, enjoy a long-term balance transfer offer, a discounted first year annual fee and complimentary travel insurance.
Virgin Australia Velocity Flyer Card - Balance Transfer Offer
Velocity Frequent Flyer


0.66
20.74% p.a.
$64 p.a. annual fee for the first year ($129 p.a. thereafter)
Save with 0% p.a. for 18 months on balance transfers and earn 3 bonus Velocity Points per $1 for the first 3 months. Offer ends on 28 February 2018.

Compare up to 4 providers

Rates last updated February 24th, 2018
Name Product Bonus Points Rewards Points per $ spent Complimentary Travel Insurance Annual fee Minimum Income Product Description
Qantas American Express Ultimate Card
100,000 bonus points


1.5
Yes
$450 p.a.
$65,000
Take advantage of 100,000 bonus Qantas Points, a $450 Qantas Travel Credit each year and 2 yearly complimentary Qantas Club lounge invitations.
HSBC Platinum Credit Card


1
Yes
$129 p.a.
$40,000
Offers a 0% p.a. for 22 months balance transfer and an annual fee refund each year when you spend $6,000. Plus, complimentary travel insurance.
Westpac Altitude Black - Altitude Qantas Online Offer
80,000 bonus points


0.625
Yes
$250 p.a. annual fee for the first year ($395 p.a. thereafter)
$75,000
Earn 80,000 bonus Qantas Points when you meet the spend requirement, plus, a discounted first year annual fee. Ends on 28 March 2018.
St.George Vertigo Platinum - Online Offer
Yes
$99 p.a.
Platinum card benefits including complimentary insurance, plus 0% p.a. for 24 months on balance transfers (with no BT fee). Ends 28 February 2018.
NAB Premium Card - Exclusive Offer
Yes
$90 p.a.
Exclusive to finder.com.au, enjoy a 0% BT fee, 0% balance transfer offer for 25 months and seven complimentary insurance covers.
ANZ Frequent Flyer Platinum
65,000 bonus points


0.75
Yes
$0 p.a. annual fee for the first year ($295 p.a. thereafter)
$35,000
Enjoy complimentary membership to the Qantas Frequent Flyer program and access to a 24/7 concierge service.
HSBC Platinum Qantas Credit Card
60,000 bonus points


1
Yes
$199 p.a.
$40,000
Enjoy complimentary membership to the Qantas Frequent Flyer program and the ability to pay with Apple Pay.
St.George Amplify Platinum
60,000 bonus points


1
Yes
$99 p.a.
Earn uncapped rewards points, receive up to 55 days interest-free on purchases and complimentary additional cards.
Westpac Altitude Black - Online Offer
80,000 bonus points


1.25
Yes
$250 p.a. annual fee for the first year ($395 p.a. thereafter)
$75,000
Earn 80,000 bonus Altitude Points when you meet the spend requirement, plus, a discounted first year annual fee. Ends on 28 March 2018.
ANZ Frequent Flyer Black
75,000 bonus points


1
Yes
$0 p.a. annual fee for the first year ($425 p.a. thereafter)
$75,000
Get 75,000 bonus Qantas Points when you meet the spend requirement, a $0 first year annual fee & 2 yearly complimentary Qantas Club invitations.

Compare up to 4 providers

Rates last updated February 24th, 2018
$
Name Product Interest Rate (p.a.) Comparison Rate (p.a.) Min Loan Amount Loan Term Monthly Service Fee Application Fee Product Description Monthly Repayment
Citi Personal Loan Plus
9.99% (variable)
10.95%
$5,000
3 to 5 years
$10
$199
Borrow up to $75,000 to use for a range of purposes. Competitive rate of 9.99% p.a. available to all approved applicants.
Harmoney Unsecured Personal Loan
From 6.99% (fixed)
7.69%
$5,000
3 to 5 years
$0
$500 (Upfront fee)
Interest rates are tailored to each applicant individually, and start from as low as 6.99% p.a. to 26.95% p.a. based on your credit history.
SocietyOne Unsecured Personal Loan
From 7.5% (fixed)
9.51%
$5,000
2 to 5 years
$0
3% (of loan amount)
Based on your risk profile, you will receive a tailored rate between 7.5% and 20.14% with a SocietyOne personal loan. Apply before 31 March 2018 to earn 2 Velocity Points for every $1 you borrow.
HSBC Personal Loan
From 9.5% (fixed)
10.06%
$5,000
1 to 5 years
$5
$150
A competitive fixed interest rate loan with the option to make extra repayments. Rates range from 9.50% p.a. to 15.99% p.a. based on your credit history.
Pepper Money Unsecured Fixed Rate Personal Loan
From 9.99% (fixed)
9.99%
$5,000
1 to 7 years
$0
$0
Apply for up to $50,000 and receive conditional approval within minutes. Interest rates range from 9.99% p.a. to 21.49% p.a. The rate you are approved for depends on individual circumstances.
NAB Personal Loan Unsecured Fixed
11.99% (fixed)
12.87%
$5,000
1 to 7 years
$10
$150
An unsecured personal loan with a competitive fixed rate that you can make additional repayments to without penalty. Note: You must have held a NAB credit card or transaction account for at least 6 months before applying.
Heritage Bank Standard Personal Loan
From 10.94% (fixed)
11.57%
$5,000
1 to 5 years
$5
$200
A competitive personal loan available up to $50,000.
Westpac Unsecured Personal Loan
From 12.99% (fixed)
14.14%
$4,000
1 to 7 years
$12
$250
Borrow up to $50,000 for a term of up to 7 years with this unsecured loan. Apply before 28 February 2018 for a 1% p.a. interest rate discount. Conditions apply.
MyState Unsecured Personal Loan
From 12.99% (variable)
16.42%
$3,000
1 to 7 years
$10
$200
Apply for up to $50,000 and make additional repayments at any time without penalty.
Latitude Personal Loan (Unsecured)
From 13.99% (fixed)
15.19%
$3,000
2 to 7 years
$13
$250 (Loans under $4000 - $140)
An unsecured loan designed for multiple purposes – renovating, buying a car or travelling. Funds can be in your account in as little as 24 hours. If you have an Unsecured Personal Loan with any Big Four bank, Latitude will beat your rate by 1% p.a. Offer ends 18 March 2018
St.George Unsecured Personal Loan - Fixed Rate
From 12.99% (fixed)
14.06%
$2,000
1 to 5 years
$12
$0 (On new loan applications before 28th February 2018.)
Convenient redraw facility and flexible personal loan repayment options with a competitive interest rate. Apply before 28 Feb 2018 for a $0 application fee. Conditions apply.
NAB Personal Loan Unsecured Variable Rate
15.69% (variable)
16.55%
$5,000
1 to 7 years
$10
$150
An unsecured loan up to $55,000 that you can repay early without penalty. Note: You must have held a NAB credit card or transaction account for at least 6 months before applying.

Compare up to 4 providers

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