Cash Passport Travel Money

Rates and Fees verified correct on October 28th, 2016

Lock in exchange rates, load multiple currencies and easily manage overseas spending with a MasterCard Cash Passport. Learn more about these options and compare cards to find the right travel money option for you.

MasterCard Cash Passport is a travel money option designed to make it easy to spend foreign currency. These prepaid debit cards let you lock in exchange rates before you travel so that you can budget more effectively and reduce the cost of foreign transaction fees.

Cash Passport cards can also be used at over 29 million locations and 60 countries across the MasterCard network, either when you travel or shop online with an international retailer. With multi-currency, single currency and business options, Cash Passport provides a range of convenient, secure and affordable debit cards you can use for overseas spending.

Prepaid travel card from Cash Passport

Rates last updated October 28th, 2016
Available Currencies ATM Withdrawal Fee Reload Fee Initial Load Fee
Multi Currency Cash Passport
Multi Currency Cash Passport
AUD, CAD, EUR, GBP, HKD, JPY, NZD, SGD, THB, USD $0 for withdrawals made overseas 2.95% of the amount withdrawn for domestic withdrawals $0 $0 More

Read the full review of the Cash Passport here

What travel money options does Cash Passport provide?

MasterCard Cash Passport has two main options for you to choose from:

  • Multi-Currency Cash Passport. You can use the Multi-Currency Cash Passport to load and spend money with 10 currencies on the one card. You can also load just one foreign currency onto the card if you are only travelling through one country or region.
  • Corporate Cash Passport. An option designed for companies that want to manage overseas spending, this option has individual cards for employees, a central online management system and instant issuance.

These cards let you load and convert currencies 24/7 through an easy to use online portal, giving you a chance to manage your balance and lock in competitive exchange rates wherever you are in the world. Currencies available with a MasterCard Cash Passport include:

  • Australian dollars
  • Canadian dollars
  • Euros
  • Great British Pounds
  • Hong Kong dollars
  • Japanese Yen
  • New Zealand dollars
  • Singapore dollars
  • Thai Baht
  • US dollars

It’s important to note that the range of currencies available does vary depending on the Cash Passport card you choose, so make sure you look at each option before deciding on one that is right for you.

Features and costs of Cash Passport travel money products


Multi-Currency Cash Passport

The Multi-Currency Cash Passport is designed to make travel and shopping around the world easier by giving you access to up to 10 different currencies on the one card.


Cash Passport will automatically select the appropriate currency based on where you are in the world, so all you have to do is make a payment in person or online as you would with a regular credit card or debit card. Other features of the card include:

  • Internet banking and mobile banking. Manage your money and convert currencies wherever you are using the Cash Passport internet or mobile banking services.
  • Multiple currencies. The Multi-Currency Cash Passport allows you to load money in up to ten currencies. The currency options for this card are: AUD, CAD, EUR, GBP, HKD, JPY, NZD, SGD, THB, USD
  • Drawdown sequence. When you are transacting with a currency that is not loaded on the card, your card will draw currencies in the following order 1. AU$, 2. US$, 3. EU€, 4. GB£, 5. NZ$, 6. TH฿, 7. CA$, 8. HK$,9. JP¥, 10. SG$.
  • Fee free international ATM withdrawals. Cash Passport does not charge any fees when you use the card to get cash out from an international ATM.
  • Daily exchange rates. Exchange rates change daily, so you can choose when you convert currency on the card to lock in a great deal.
  • Security. Cash Passport comes with chip-and-PIN technology to help keep your details safe. You also have the benefit of MasterCard’s Zero Liability Policy to protect you against unauthorised transactions.
  • 24/7 Global Assistance. Get help or ask questions about the card at any time and from anywhere through the Global Assistance team.
  • Free online loading through Cash Passport. It’s free to top up your Cash Passport online through the Cash Passport website.
  • Free secondary card. Get an additional card to use as a backup at no extra cost.
Fees and limits

While there are a lot of benefits to getting a Multi-currency Cash Passport, there are also a number of potential costs and limits you need to be aware of before you choose this card. These include:

  • Initial card fee. When you get your card, you will be charged 1.1% of your initial load or $15, whichever is greater.
  • Money loading limits. You can load amounts between $100 and $100,000 daily depending on your budget and needs.
  • BPAY Fee. An additional 1% per transaction is charged for BPAY transfers to the card.
  • Domestic ATM withdrawal charge. If you get cash out at an Australian ATM, you will be charged an extra 2.95% per transaction.
  • Monthly inactivity fee. A fee of $4 is charged for every month the card is not used.
  • Negative balance fee. A $20 fee applies if you spend more money than you have on the card.
  • Cash out fee. If you want to withdraw the balance of your card, it will cost you $10.
  • Card closure fee.  If your card is inactive for 12 months you will be charged a fee of $4 per month of inactivity thereafter, and if you choose to close your account you will be charged $10.

Weighing up these factors and reading through the Product Disclosure Statement before choosing this card will help you decide if it is the right option for you.

singlecurrencycardSingle Currency Cash Passport

If you only plan to use one particular currency when you go overseas or shop online, then a single currency prepaid travel card could be a good option. With the Multi-Currency Cash Passport, you can actually choose to load just one currency onto the card. That means you can access the currency you need, and have the flexibility to reuse the card if you decide to go somewhere else in the future.


Corporate Cash Passport

The Corporate Cash Passport is designed to be a flexible and affordable alternative to cash, travellers cheques and business credit cards for companies that want another way to manage cash flow. There are four key ways the Corporate Cash Passport can be used to suit a range of business needs:

Features and costs 

  • Business expenses. This prepaid business expenses card allows companies to monitor and manage their business travel expenses more efficiently by centralising all spending through the Cash Passport online portal. It can be used at millions of ATMs and retailers around the world to withdraw local currency or purchase goods and services.
  • Payouts. Your business could use Corporate Cash Passport cards as a way to pay customers or employees, getting rid of the need for cheques or bank transfers. It can also be a great option for commission payments and staff incentives.
  • Per Diem. Airlines and other related businesses could use the Corporate Cash Passport as a more cost effective way to make payments, with audit trails and a centrally automated loading platform that can streamline the process.
  • Compensation. The centrally managed Cash Passport system means you can pay employees and customers quickly whenever you need to and keep track of the process from one central account.

Corporate Cash Passport cards are available in British Pounds, Euros and US dollars and can be used for payments in person and online, just as with any credit card or debit card (providing there are sufficient funds on the card). This type of card is best suited for businesses that want an alternative to corporate credit cards, particularly if frequent travel is part of the job.

Frequently asked questions about Cash Passport Travel Money

How do I apply for a Multi-Currency Cash Passport?

You can apply for a Multi-Currency Cash Passport online or in-store from a range of retailers, including Australia Post and Harvey World Travel stores.

How do I check my balance?

You can check your balance and view your transactions history with an online account which you can set up on the Multi-Currency Cash passport website.

Can I use my card online?

You can use your card to shop online at any merchants that accept MasterCard.

How long will it take to receive my card?

If you purchase your card in store you will receive your card immediately and be able to use it within two hours. If you purchase your card online you will receive your card within five business days of receiving your payment.

Are there any countries where this card will not work?

Yes. Certain countries have sanctions which restrict the use of a Cash Passport. The countries currently affected by these sanctions are Cuba, Iran, North Korea, Sudan and Syria.

How do I reload my card?

Your Cash Passport is valid up until the expiry date listed on the card, and you can reload your card at any time. You can reload your card at the place you purchased it or online via BPAY.

Back to top
Was this content helpful to you? No  Yes

Related Posts

This page was last modified on 28 April 2016 at 12:55.

Ask a Question

You are about to post a question on

  • Do not enter personal information (eg. surname, phone number, bank details) as your question will be made public
  • is a financial comparison and information service, not a bank or product provider
  • We cannot provide you with personal advice or recommendations
  • Your answer might already be waiting – check previous questions below to see if yours has already been asked

Disclaimer: At we provide factual information and general advice. Before you make any decision about a product read the Product Disclosure Statement and consider your own circumstances to decide whether it is appropriate for you.
Rates and fees mentioned in comments are correct at the time of publication.
By submitting this question you agree to the privacy policy, receive follow up emails related to and to create a user account where further replies to your questions will be sent.

55 Responses to Cash Passport Travel Money

  1. Default Gravatar
    Tank | August 17, 2016

    Hi! Can a foreigner buy a cash passport, thanks.

    • Staff
      May | August 17, 2016

      Hi Tank,

      Thank you for your question.

      Just to confirm, are you referring to a foreigner who is currently living outside Australia? If so, I’m afraid that foreigner may not be able to get the card, as the MasterCard Cash Passport is available to people in Australia only. Aside from that, you can only loan AUD onto the card and then convert them to the supported currencies listed above.


  2. Default Gravatar
    Stella | July 13, 2016

    Hi I noticed that Citibank plus is not on here to compair, could you tell me the difference between 28 degrees and Citibank plus card for traveling to the USA and would you know if there are any ATMs that are affiliated with either of them

    • Staff
      Sally | July 14, 2016

      Hi Stella,

      Thanks for your question.

      You can see our Citibank Plus Everyday card review here.

      We also have a designated page about the Citibank Plus transaction account vs the 28 Degrees MasterCard, so you can use that to compare your options regarding rates and fees.

      The Citigroup is represented in the United States, so you should be able to use your Citi Transaction Account without being charged an ATM withdrawal fee. However, as the 28 Degrees MasterCard is a credit card, unless your preload it with funds, you’ll incur a cash advance fee when withdrawing funds from an ATM.

      I hope this has helped.



  3. Default Gravatar
    Suzie | July 9, 2016

    I have returned from overseas and still have a considerable amount of money left on my cash passport card. Rather than withdraw the cash and close the card, can I use it to purchase items from Australian stores and if so, will I be charged a fee?

    • Staff
      Sally | July 11, 2016

      Hi Suzie,

      Thanks for your question.

      So long as you’ve transferred your leftover funds back into your Australian dollars currency wallet, you shouldn’t be charged a fee. However, if you leave your funds in a foreign currency, you’ll be charged a currency conversion fee.

      I hope this has helped.



  4. Default Gravatar
    Paul | May 23, 2016

    Can I pick my own pin for the card

    • Staff
      Anndy | May 23, 2016

      Hi Paul,

      Thanks for your comment.

      Please note that is an online comparison service and is not the issuer of Cash Passport Travel Card.

      Unfortunately, you can’t pick or change your Cash Passport PIN. Each card is already allocated with its own PIN. Please note that the PIN may be disabled if you have incorrectly entered it for three (3) times.

      I hope this answers your question.


  5. Default Gravatar
    sharon | February 13, 2016

    please how can i talk to cash passport online live because i uses my card yesterday and withdraw some money later i realize the money couldn’t cash out from the machine and eject my card in the machine , surprisingly i got home to check my balance online then i seen the money have been remove from my account please what can i do kindly advice me.

    • Staff
      Sally | February 16, 2016

      Hi Sharon,

      Thanks for your question.

      To report an error in your account history, please contact the Cash Passport customer service team on 1800 098 231 to report the problem.

      I hope this has helped.



  6. Default Gravatar
    Kennedy | January 2, 2016

    Can I load the card with currency already converted to foreign currency – eg. Can I BPay Uk pounds onto a uk pounds single currency card?

    • Staff
      Sally | January 4, 2016

      Hi Kennedy,

      Thanks for your question. Unfortunately, you can only load the card with Australian Dollars.



  7. Default Gravatar
    Vanessa | October 18, 2015

    I have multiple currencies on my card, how do I ensure that I am paying in the correct currency when I make a payment using the card?

    • Staff
      Sally | October 19, 2015

      Hi Vanessa,

      Thanks for your question.

      If you have multiple currencies loaded on your card and the local currency you’re making the purchase in is one of them, your card will automatically deduct the payment from that currency wallet.

      If you don’t have the currency loaded on your card, the card will automatically take the payment from the first available wallet in the currency order and convert it into the local currency. This will then incur a currency conversion fee of 5.95%.

      When paying for purchases in a foreign currency, you may be asked if you’d like to pay in your local home currency (which will be Australian Dollars) rather than the local currency. This is referred to as the “dynamic currency conversion” and will also incur a conversion fee, so you’ll want to decline this offer.

      I hope this has helped.



  8. Default Gravatar
    Andrew | September 9, 2015

    The website. When I try to change my temp password to a new one, the system keeps rejecting my choices. Are there detail instructions available on how to select an acceptable password? I’m finding it very frustrating…

    • Staff
      Sally | September 10, 2015

      Hi Andrew,

      Thank you for your question.

      The Cash Passport website stipulates that your password must be 8 characters long and must contain a combination of letters and numbers and no more than three consecutively repeating characters. Plus, the password should also contain at least one alphabetical character and must not contain special characters such as @ or # or similar.

      If you have followed these instructions, you should be able to create an acceptable password.

      I hope this has helped.



  9. Default Gravatar
    Paul | August 29, 2015

    Could you please advise me on how to reactivate my cash passport card after i have accidently typed in the wrong pin three times i am currently in greece and have no access to my funds. Is there an office or bank that i can go to maybe?

    • Staff
      Sally | August 31, 2015

      Hi Paul,

      Thank you for your question.

      You can reactivate your Cash Passport by contacting the Cash Passport customer service team.

      I have emailed you their contact details.

      I hope this has helped.



  10. Default Gravatar
    Kay | June 30, 2015

    Hi, can you please advise a location in Perth Western Australia where I can get assistance with my pin, I have waited over 1/2 hour 3 times on the phone to get thru to someone.

    • Staff
      Sally | July 1, 2015

      Hi Kay,

      Thanks for your question.

      Just to confirm, you have come through to, not Cash Passport.

      Although Cash Passports can be purchased at stores in Western Australia (such as Australia Post, Travelex and the Currency Exchange), you’ll only be able to confirm your PIN by contacting Cash Passport directly over the phone.

      Although you cannot change your Cash Passport PIN, you can contact card services for a reminder of what your PIN is. You should have also received your PINs for your primary and secondary card upon application. Please keep in mind that the card will be disabled if an incorrect PIN is entered three successive times.

      I’ve emailed you Cash Passport’s contact details.

      I hope this has helped.



Ask a question