NAB Travel Money

Rates and Fees verified correct on October 26th, 2016


These are the NAB products to compare if you’re going overseas

NAB is one of Australia’s Big Four banks and a full service financial institution. The bank has a suite of products aimed at travellers which includes a prepaid travel card, traveller’s cheques, travel insurance and travel loans as well as foreign cash services. You can read about how to pick up NAB’s Traveller Card for your next holiday as well as compare NAB’s holiday insurance and loans on this page.

A short history of NAB

National Australia Bank has more than 12 million customers and 1,800 stores and branches globally. NAB Group also has the following brands: MLC, Bank of New Zealand, Yorkshire Bank, Clydesdale Bank and Great Western Bank.

NAB is one of the world's largest banks, with a history dating back to a time before Australia was a federation. Two banks, the Commercial Banking Company of Sydney established in 1834 and the National bank of Australasia, established in 1858, merged in 1982 to form the NAB we know today. They offer the full range of banking services including bank accounts, loans, insurance, investments and more.

NAB Traveller Card

NAB Traveller Card

Pre-load foreign currencies and spend overseas without having to pay foreign transaction charges.

  • $0 per withdrawal on international ATMs and $3.75 per withdrawal at any Australian ATMs
  • $0 initial load fee
  • 0 Reload fee
  • 4% currency conversion fee
  • $45,000 maximum load amount

    The NAB Traveller Card

    Rates last updated October 26th, 2016
    Available Currencies ATM Withdrawal Fee Reload Fee Initial Load Fee
    NAB Traveller Card
    NAB Traveller Card
    AUD, CAD, EUR, GBP, HKD, JPY, NZD, SGD, THB, USD $0 per withdrawal on international ATMs and $3.75 per withdrawal at any Australian ATMs $0 $0 Go to site More

     Travel card

    The NAB Traveller Card is a prepaid MasterCard product, you can use this card to withdraw cash from ATMs and make purchases over the counter wherever MasterCard is accepted. You can hold up to 10 different currencies on the card at the one time including Australian dollars. Load and spend in one of these currencies and you won’t pay the additional fee for currency conversion.

    Available currencies
    Australian dollarsCanadian dollarsHong Kong dollarsUS dollarsNew Zealand dollars
    PoundsJapanese yenThai bahtEurosSingapore dollars

    The card can be ordered online or picked up in-branch.

    What happens if the local currency is not loaded on my card?

    If the NAB Traveller card does not let you load the currency of your destination or you do not have any funds loaded in that currency, your existing currencies will be converted in order of priority. Your card will convert loaded currencies in this order (fixed by the bank): AU$, US$, GB£, EU€, CA$, NZ$, JP¥, SG$, HK$, and THß.

    • Exchange rate. NAB applies the ‘currency to currency’ exchange rate when you exchange funds from one currency to another. You will get slightly less when you exchange funds on a travel card compared to using a Visa or MasterCard credit or debit card. However, you’re going to avoid the currency conversion fee using a travel card.
    • Reloading. By default, when you load money onto the card, funds are credited as Australian dollars, you’re responsible for exchanging the funds to one of the above listed foreign currencies using NAB’s online banking platform or over the phone. The exchange rate is locked in when you transfer money between different currencies.
    • Fees. Compared to other travel cards the NAB Traveller Card is low on fees. NAB doesn’t charge an international ATM fee when you use this travel money card to withdraw cash from an overseas ATM, there are no initial load fees or reload fees either. Note the international ATM operator may charge a fee when you make a withdrawal, NAB charges a fee for using an ATM in Australia and an  inactivity applies if you have money left on the card and you haven’t used it for at least 12 months.

    What are the pros and cons of the NAB Traveller Card?

    • No international ATM fees. This is a feature of just a few travel cards. You can avoid a withdrawal fee of a couple of dollars by using the card to get cash from an ATM.
    • Large range of currencies. The Traveller Card has a large range of popular currencies to choose from.
    • High maximum balances. This card can hold up to on it at any time, and has a high daily transaction limit.
    • High monthly inactivity fee. This card charges a monthly inactivity fee of $4, which is towards the high end of the scale.
    • Missing some exotic currencies. The Traveller Card doesn't allow you to hold Vietnamese Dong or Emirati Dirhams, which some cards now allow.

    NAB Traveller Card review and application page

    Traveller's cheques

    NAB don’t provide traveller’s cheques. While traveller’s cheques can be a secure way to take money overseas, they’re difficult to cash these days, so you’ll find that fewer providers offer them.

    Where are you travelling to? Read our location guides to find the best travel money for your destination.

     Currency exchange

    Pickup cash before you get on the plane and sell any leftover overseas banknotes when you get back home, NAB buys and sells cash in more than 50 different currencies. All major currencies are available as well as exotics, for example: Brunei dollars, Barbados dollars, French Pacific francs, Israeli shekels and Omani rials. NAB don’t sell Indian rupees or Western Samoan talas.

    You can order foreign cash online or instore. NAB charge a flat fee of $10 for in store orders, online foreign cash orders are commission free. Pay for an online order using BPAY, allow up to 5 business days for the payment to clear. You can order up to the foreign currency equivalent of $5,000 Australian dollars over 24 hours or $20,000 AUD in a 21 day period.

    Travel insurance

    NAB provide international travel insurance, domestic insurance and multi-trip annual insurance. International travel insurance gives financial cover in the event of medical emergencies, loss and damage to personal effects and disruption to your travel plans.

    Complimentary travel insurance with credit cards 

    You may also be eligible to receive complimentary international travel insurance through your NAB credit card. Products such as the NAB Premium Visa credit card provide complimentary international travel insurance for up to 6 months when you purchase more than $500 of your prepaid travel expenses (such as your overseas return airfare) using your card.

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    NAB travel insurance discount codes

    What other travel products does NAB offer?

    NAB provide personal loans you can use to fund your holiday. These lines of credit can be approved in just a few hours. NAB Travel Loans offer flexible terms and repayment options, you can borrow $5,000 to $55,000 and pay back the loan over 1 to 7 years.

    NAB Travel Money frequently asked questions

    How do I send money overseas with NAB?

    You can send money overseas from NAB’s online banking facility. You will need to register for SMS security and activate the Pay Anyone feature first. Once you’ve done this, you’ll need to create a new overseas beneficiary. Enter the name and street address of the recipient, the IBAN, SWIFT code or BIC as well as routing codes or sort codes if necessary. NAB lets you send the currency of the recipient's country. This means the rate is locked in and you know exactly how much the recipient will receive.

    Compare international money transfer services

    Can I use the NAB Traveller Card on a cruise ship?

    Unfortunately most cruise companies do not accept prepaid cards, so you'll need a different card, such as a credit or debit card, for this.

    What are the NAB Traveller Card limits?

    Be aware of these limits when you use the NAB Traveller Card.

    Load typeLimit
    Minimum load/reloadAU $50 or currency equivalent
    Maximum in branch load/reloadAU $45,000 or currency equivalent
    Maximum daily BPAY reloadAU $25,000 or currency equivalent
    Maximum annual balanceAU $45,000 or currency equivalent
    Maximum daily ATM withdrawal limitAU $3,000 or currency equivalent
    Maximum daily transaction total for POS, internet or phone transactionsAU $7,000 or currency equivalent

    What will I pay if I use my NAB credit card or debit card overseas?

    The NAB Traveller Card is the only product available from NAB you can use to avoid the currency conversion fee. Using your NAB debit card or credit card to make purchases and withdrawals in a foreign currency attracts an additional fee of about 3%.

    • $5 international ATM withdrawal fee
    • Local ATM operator fee
    • Currency conversion fee
    • Cash advance fee (credit cards only)
    • Cash advance interest (credit cards only)
    • Currency conversion fee
    • Purchase interest (credit cards only [excluding interest free days])

    What about the NAB Gold Visa Debit Card?

    NAB offered a Gold Visa Debit product great for travellers. It included complimentary travel insurance and international fee waivers. It is no longer available to the public.
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    This page was last modified on 2 May 2016 at 10:00.

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    50 Responses to NAB Travel Money

    1. Default Gravatar
      Georgina | August 14, 2016

      Hi, I am travelling to the UK, United Arab Emirates and Qatar.

      I guess I will use the NAB travel card for in the UK, but im worried about what i should use in UAE (maybe CBA travel card) and Qatar, especially Qatar as I will be there for 5 weeks and I know that no travel cards support Qatari riyals,

      What should i do? :(

      • Staff
        Sally | August 15, 2016

        Hi Georgina,

        Thanks for your comment.

        That’s correct, unfortunately no Australian travel money cards currently support Qatar riyals.

        As a financial comparison service, we’re unable to recommend any specific products but you may want to compare some cards that don’t charge a currency conversion fee on purchases made in unsupported currencies.

        Examples of these cards include the Commonwealth Bank Travel Money Card, the STA CashFlex Card and the Qantas Cash card.

        To decide which one you want to use, look at the other fees that come with the card (such as the purchase fee, loading or reloading fees, ATM withdrawal fees, closure fees) and consider how you intend to use the card to choose the best option.

        I hope this has helped.



    2. Default Gravatar
      Kate | July 27, 2016

      Can I take Australian dollars to a NAB bank and ask that it be loaded as another currency ??? o r do i have to do it online ????

      • Staff
        May | July 27, 2016

        Hi Kate,

        Thanks for your inquiry.

        Yes, aside from the internet banking and BPay, you can also load funds onto your traveller card in a NAB branch and your money will be available immediately. Just make sure that you bring your NAB Traveller Card and valid photo ID with you.


    3. Default Gravatar
      Tim | July 13, 2016

      What exchange rate would NAB use for YTL (Turkish Liras) currently say as of 13/7/2016 when using NAB debit card in Turkey? How do I find out?

      • Staff
        Sally | July 13, 2016

        Hi Tim,

        Thanks for your question.

        The exchange rates on the NAB Travel Money card are updated daily and are available on the NAB website.

        I hope this has helped.



    4. Default Gravatar
      Megan. | July 8, 2016

      If I still have money on my travel card when I return can I transfer it into a bank account? Do you charge a fee to cancel travel card once finished with after trip.

      • Staff
        Sally | July 11, 2016

        Hi Megan,

        Thanks for your question.

        Yes, you can return your remaining funds to an existing Australian bank account. If you’d like to avoid a currency conversion fee, make sure you’ve moved your remaining funds into your Australian dollars wallet before you transfer them to your account.

        If you’re an NAB customer, you can use NAB Internet Banking to transfer the card funds to your account. Otherwise, you’ll need to transfer them to your nominated account through your online NAB Travel Money account. If you’d also like to close the card, you can do so by contacting the card services team on 1800 098 231 or by logging into My Account at and completing the Cash Out Form. You’ll need to make sure you’ve transferred the funds out of your account before you do this. There is no fee to transfer funds from your account or close the card.

        I hope this has helped.



    5. Default Gravatar
      DANNY | March 1, 2016

      What is the time frame until an inactive fee is charged?

      • Staff
        Sally | March 2, 2016

        Hi Danny,

        Thanks for your question.

        After speaking with a representative from NAB’s NAB Traveller card services team, I can confirm that when the inactivity fee is charged depends on the specific account.

        You’ll need to contact the NAB Traveller team on 1800 098 231 to confirm when your inactivity fee will be charged.

        I hope this has helped.



    6. Default Gravatar
      Jim | February 29, 2016

      The information above states that you may only load Australian Dollars onto the card. However then it also states the other currencies that can also be loaded. Can you please explain this to me?

      Thank you

      • Staff
        Sally | February 29, 2016

        Hi Jim,

        Thanks for your question and our apologies for the confusion.

        While you can only load Australian dollars directly onto the card, once you’ve loaded AUD on your account you can then transfer it to any of the nine supported currencies.

        I hope this has helped.



    7. Default Gravatar
      Felicity | January 27, 2016

      How much can you withdraw daily from an overseas ATM

      • Staff
        Sally | January 28, 2016

        Hi Felicity,

        Thanks for your question.

        You can withdraw up to an equivalent of AU$3,000 from overseas ATMs during a 24 hour period.

        I hope this has helped.



    8. Default Gravatar
      Trish | December 7, 2015

      Can you use a NAB debit card in the ATMs in Apia, Somoa or does it have to be a ANZ card?

      • Staff
        Sally | December 8, 2015

        Hi Trish,

        Thanks for your question. If you’re referring to the NAB Visa Debit Card, you should be able to use it wherever Visa is accepted internationally. However, please keep in mind that you’ll incur currency conversion fees if you try to use this card overseas.

        I hope this has helped.



    9. Default Gravatar
      Greg | September 16, 2015

      Can you please explain to me the Reload fee? What is this and how does it work?

      • Staff
        Sally | September 17, 2015

        Hi Greg,

        Thank you for your question.

        You will be charged the reload fee each time to load funds onto your card after the initial load. The reload fee is 1% per the amount you load onto your card each time you reload.

        I hope this has helped.



    10. Default Gravatar
      Clare | July 1, 2015

      I am going to Thailand, Laos, Cambodia and Vietnam. I believe US$ is the best to convert to on a travel card. I am familiar with the ANZ travel card and how it works but what is the best travel card to take for these regions and what is the best currency to load?

      • Staff
        Sally | July 1, 2015

        Hi Clare,

        Thanks for your question.

        As a financial comparison service, we can’t actually recommend one specific product.

        You can compare some of your options on our South-East Asia Travel Money Guide.

        I hope this has helped.



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