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Commonwealth Bank Travel Money Card Guide

CommBank's range of travel money services and travel insurance help keep your money safe and give you peace of mind wherever you go.


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CommBank offers a range of travel money products. In this guide we take a look at the different features and benefits of these travel money products so you can decide whether or not they're right for you.

Who is the Commonwealth Bank?

The Commonwealth Bank or 'CommBank' is one of Australia's leading issuers of financial services and is one of the most recognised financial brands in Australia. They provide a full range of retail banking services including home loans, credit cards, personal loans, transaction accounts and term deposits.

The group also offers 24-hour access to banking services through telephone banking and has one of the most extensive EFTPOS and ATM networks in Australia (not overseas). They are also a leader in the online financial services in Australia with facilities such as NetBank, Commsec and the CommBank app.

Commonwealth Bank Travel Money Card

Data indicated here is updated regularly
Name Product Available Currencies ATM Withdrawal Fee Initial Load Fee Reload fee
Commonwealth Bank Travel Money Card
AUD3.50 , USD2.50 , GBP2.00 , EUR2.20 , NZD3.50 , CAD3.00 , JPY220 , SGD3.50 , HKD17.00 , THB80.00 , VND50000 , CNY15.00 , AED10.00

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Travel cards

The CommBank Travel Money Card is designed to be a convenient and affordable way to access money wherever you are in the world.

This prepaid, reloadable debit Mastercard lets you load up to 13 currencies at a time, which means you can lock in exchange rates before you leave. You can also use the card at more than 38 million locations, wherever Mastercard is accepted.

Benefits of CommBank Travel Money Card

  • Security. The card features 24/7 fraud monitoring and chip-and-PIN technology.
  • Free backup card. You get a free additional card so that you'll still have access to cash if the Travel Money Card is lost or stolen.
  • Card issue fee. There is a one-off $15 fee for issuing the card. This cost can be waived if you are a CommBank Gold, Platinum or Diamond credit card customer, or a Platinum Debit Mastercard customer.
  • NetBank access. The card is managed through CommBank's secure NetBank service, as well as the CommBank mobile app.
  • SMS alerts. Set up SMS alerts so you know when your balance on the card is getting low.
  • ATM fees. There are set fees for ATM withdrawals made with the card that vary depending on the location and currencies loaded onto the card. For example, ATM withdrawals in Australia are charged AUD$3.50, while in the USA they are US$2.50.
  • No reload or transaction fees. CommBank charges no fees for reloading the card or using it for transactions (other than ATM withdrawals).
  • NetBank or BPAY loading options. You can load money onto the card directly with an eligible CommBank account, or transfer money from any account using BPAY.

When you use the CommBank Travel Money card overseas, it will automatically use the currency of the country you're in, providing you have that currency loaded on your card and can pay for the full transaction. This means you can avoid foreign transaction charges that can come from using an Australian debit card or credit card.

The CommBank Travel Money card lasts for three years and there are no fees for inactivity or cancellation of the card, giving you flexibility to use it as much or as little as you want without paying more for the service.

Read the full review and benefits of CommBank Travel Money Card

Other CommBank debit and credit cards for travel

You can also use your regular CommBank debit card or credit card for overseas transactions. While this is often a convenient option, it's important to be aware that it could attract a range of fees, including:

  • International transaction fee. When you use a CommBank debit card or credit card overseas, you will be charged an additional 3% transaction fee.
  • Cash advance fee. A fee of $3 or 3% of transaction value, whichever is greater will be charged for cash withdrawals or other cash advance transactions made on a CommBank credit card when you are overseas.
  • Emergency issue/lost/replacement card. If you lose your card overseas, a $20 fee will be charged to replace it.

There could also be other fees for using your CommBank debit card or credit card overseas, so make sure you check the standard fees and charges brochure and plan ahead if you want to take your regular CommBank card/s with you.

Traveller's cheques

Traveller's cheques can be used like cash or exchanged for local currency in many locations around the world.

Unlike cash, however, traveller's cheques usually have a fixed value and recorded serial number that makes it easier to verify their value if they are lost or stolen. You'll also be able to replace the cheques with a single phone call, and could be reimbursed within just 24 hours in some cases.

CommBank offers American Express traveller's cheques in five foreign currencies:

  1. United States Dollars
  2. Euros
  3. Great British Pounds
  4. Canadian Dollars
  5. Japanese Yen

Like prepaid travel money cards, traveller's cheques let you lock in an exchange rate before you travel, which can make it easier to budget for trips. There's no expiry date on them either, so you can save any unused cheques for your next trip or cash them in when you get back.

CommBank traveller's cheques can be purchased in branch or online via ExpressFX. There is a purchase fee of 1% of the total sale amount (minimum $12 per currency), with different minimum and maximum values for the cheques depending on the chosen currency.

This type of travel money is usually recommended for travel in one particular country or area, as the currency you purchase is fixed according to the cheque. Not every merchant will accept traveller's cheques as payment, so make sure you check these details or have another money option before you go abroad.

Currency exchange

CommBank's foreign cash service gives you the chance to buy or sell money in a wide range of currencies whenever you need it. This means you can have the correct cash on hand when you arrive in another country, which is often useful making small purchases such as meals at airports, or for catching a taxi to wherever you're staying.

It also allows you to save money by locking in competitive exchange rates before you leave and means you can avoid expensive foreign ATM fees. The range of currencies available through CommBank includes:

  • Brazil Real (BRL)
  • Canadian Dollar (CAD)
  • Chilean Peso (CLP)
  • Chinese Renminbi (CNY)
  • Euro (EUR)
  • Fijian Dollar (FJD)
  • Great British Pound (GBP)
  • Hong Kong Dollar (HKD)
  • Indian Rupee (INR)
  • Indonesian Rupiah (IDR)
  • Japanese Yen (JPY)
  • Mexican Peso (MXN)
  • New Zealand Dollar (NZD)
  • Philippine Peso (PHP)
  • Singapore Dollar (SGD)
  • South African Rand (ZAR)
  • Swiss Franc (CHF)
  • Thai Baht (THB)
  • US Dollar (USD)
  • Vietnamese Dong (VND)

You can buy foreign currency from CommBank in branches, online via ExpressFX or at selected Foreign Exchange ATMs around Australia. There is a 1% fee for foreign cash purchases made at CommBank with a minimum charge of $8, and purchases made online will arrive at your nominated bank branch within 48-72 business hours.

If you need a currency that is not currently listed, CommBank can also order it in for you. Just make sure you leave enough time for it to arrive at your selected CommBank branch before you go overseas.

Travel insurance for CommBank

CommBank has a wide range of travel insurance options to suit your budget and needs, so that you can protect yourself and your valuables when you travel overseas. Policies are available for individuals and families, with basic, comprehensive and multi-trip options. CommBank travel insurance is underwritten by Cover-More and features a range of benefits, including:

  • Emergency medical assistance and hospitalisation overseas. Cover-More provides emergency assistance when necessary. All hospital costs will be covered, but you must do your best to keep expenses to a minimum.
  • Cancellation fees and lost deposits. All unused travel and accommodation costs will be covered by your travel insurance plan.
  • Luggage and personal effects. Your plan will cover the replacement or repair of lost or damaged luggage. In the case of misplaced or misdirected luggage, you will need to show written proof from the carrier.
  • Travel documents. Your policy will cover the replacement of stolen or destroyed travel documents, bank cards and traveller's cheques.

Complimentary travel insurance included with Commonwealth Bank Credit Cards

Complimentary travel insurance is included if you are a current cardholder of a Commonwealth Bank Gold, Platinum or Diamond Cardholder (personal or business).

warning Finally, some good news! Domestic travel is picking up, so some insurers have started offering cover again 🦘
Just remember, you won't be covered for any pandemic related claims if you do take out domestic travel insurance.
International travel insurance is limited and sometimes unavailable at this point.

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CommBank Travel Money Card frequently asked questions

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96 Responses

  1. Default Gravatar
    IanApril 26, 2019

    Hi, what is the best currency to load onto my Comm Bank travel money card for travel in Israel?

    • Avatarfinder Customer Care
      JohnApril 26, 2019Staff

      Hi Ian,

      Thank you for reaching out to Finder.

      The default currency you may wish to choose will depend on a few things. Regardless of the currency you use, you won’t be charged a foreign currency fee or currency conversion fee. You may like to consider the exchange rate and which loaded currency will give you the most value for your money when shopping overseas to help you make a decision. Hope this helps!


  2. Default Gravatar
    DanyaJuly 15, 2017

    I am using Commonwealth bank account. If I withdraw cash in Malaysia, how much is the charge. Please help me with this.

    • Avatarfinder Customer Care
      RenchJuly 15, 2017Staff

      Hi Danya,

      Thanks for reaching out to us. Please note that we are not affiliated with Commonwealth Bank or any company we feature on our site and so we can only offer you general advice.

      You will be charged 3.50 AUD for the ATM withdrawal fee when you are in Malaysia.


  3. Default Gravatar
    PeterApril 4, 2017

    If I get a commonwealth travel card and put $100 in Australia if i was to go to an atm in Bali how much would be available to me there

    • Avatarfinder Customer Care
      MayApril 4, 2017Staff

      Hi Peter,

      Thank you for your inquiry.

      The amount you’ll get entirely depends on the exchange rate between Indonesian Rupee and AUD at the time of conversion. Please note that the foreign exchange rate will be determined by the MasterCard and the overseas merchant or ATM may charge you fees on conversion. These additional costs are charged on top of the standard international transaction fees charged by CommBank.


  4. Default Gravatar
    BobOctober 23, 2016

    I like the look of the Commonwealth Bank travel money card as it has much better fees and charges than the “Multi-Currency Cash Passport” issued by my current financial institution. My question is do I need to be a Commonwealth Bank account holder to have one of their travel money cards or are they issued to non account holders?


    • Avatarfinder Customer Care
      SallyOctober 24, 2016Staff

      Hi Bob,

      Thanks for your question.

      No, you don’t need to be a Commonwealth Bank account holder to apply for the Travel Money card. However, you will need to meet the identification requirements and be aged 16 years or older to apply.

      I hope this has helped.



  5. Default Gravatar
    GlennOctober 4, 2016

    Hi , I’ve have travel money cards since 2013 they are locked and showing reissue on net bank . Will I be charged a fee for the reissue ?

    • Avatarfinder Customer Care
      SallyOctober 10, 2016Staff

      Hi Glenn,

      Thanks for your question.

      If you have to order another card, you’ll be required to pay the $15.00 issue fee again.



  6. Default Gravatar
    santiagoAugust 20, 2016

    hello! im travelling in thailand.. i have my travel money card (commonwealth bank) and im going to Malaysia the next week, i want to know if i can get cash form the atm whit it. thank you!

    • Avatarfinder Customer Care
      SallyAugust 22, 2016Staff

      Hi Santiago,

      Yes, you can use the Commonwealth Bank Travel Money card to withdraw funds wherever MasterCard is accepted.

      When you’re in Thailand, you’ll be charged an ATM withdrawal fee of THB80.00. In Malaysia, you’ll be charged AUD$3.50.

      I hope this has helped.



  7. Default Gravatar
    BrendanJuly 7, 2016

    What email contact do you have to discuss problem with CommBank travel money card?

    If no direct email contact, how to email?

    • Avatarfinder Customer Care
      MayJuly 7, 2016Staff

      Hi Brendan,

      Thanks for you question.

      Please refer to your email, I sent there the contact details of Commonwealth travel money.


  8. Default Gravatar
    JustinMay 5, 2016

    Hi Sally,

    when I load money onto a comm bank travel card, USD, from my netbank account what conversion rate is used, is it the interbank rate or a commonwealth bank exchange rate that is 3-5% more expensive?

    Can I load or deposit USDs onto the travel card either in cash when in the USA say at a bank or by bank transfer (eg a friend wants to transfer USD onto my travel card from his bank in the US). Is that possible?


    • Avatarfinder Customer Care
      SallyMay 5, 2016Staff

      Hi Justin,

      Thanks for your questions.

      It should be the Commonwealth Bank exchange rate.

      Unfortunately, you can’t load USD directly on the card. Instead, you have to transfer the funds in AUD and then exchange them to USD.



  9. Default Gravatar
    sue50April 20, 2016


    • Avatarfinder Customer Care
      SallyApril 21, 2016Staff

      Hi Sue,

      Thanks for your question.

      No, there isn’t an inactive or closure fee when you’re finished with the card.

      I hope this has helped.



  10. Default Gravatar
    AndrewMarch 13, 2016

    My son lives in America and survives by using his travel cards. He has lost one travel card and the other has been damaged. He now would like replacement cards and has asked me for an e-mail address to follow up with the Commonwealth bank. Can this be provided as he has problems scrolling through the various web pages the bank has on line?

    • Avatarfinder Customer Care
      SallyMarch 14, 2016Staff

      Hi Andrew,

      Thanks for your question.

      If your son needs a replacement Commonwealth Bank Travel Money Card, he can contact the customer service team on +61 2 9374 0609.

      Otherwise, he will need to login to his NetBank to make an online enquiry. He can do this by following these instructions:
      1. From the home page in NetBank, select More
      2. Under security select Lost, stolen or damaged card
      3. Choose the card and select an action you would like to perform
      4. Follow the prompts.

      I hope this has helped.



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