Westpac Global Currency Card

Rates and fees last updated on

The Westpac Global Currency Card offers a convenient way to spend money when you are overseas or shopping online. Lock in a competitive exchange rate while monitoring your spending online.

Choose from 11 different currencies, allowing you to load up to five currencies simultaneously and avoid international transaction and ATM fees.

Available CurrenciesAUD, CAD, EUR, GBP, HKD, JPY, NZD, SGD, THB, USD, ZAR
Multiple Currencies on One CardYes
Number of Cards Issued2
Minimum Load Amount$100
Maximum Load Amount$25,000
Maximum Annual Load Amount$100,000
24 Hour ATM Cash Withdrawal Limit$2,000
24 Hour POS Transaction Limit$10,000
Card Issue Fee$0
Initial Load FeeBranch: 1% of AUD value loaded up to maximum $10, Online/ BPAY: $0
ATM Withdrawal FeeOver 50,000 ATMs via Global ATM Alliance network and Westpac Group Partners: $0

Non-Westpac Group ATM in Australia or non-Global Alliance ATM overseas: 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

Reload Fee$0. BPAY transfer through another financial institution may collect a transaction fee.
Balance EnquiriesOver 50,000 ATMs via Global ATM Alliance network and Westpac Group Partners: $0

Non-Westpac Group ATM in Australia or non-Global Alliance ATM overseas: 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,

Card Replacement Fee$0
Currency Conversion Fee3%
BPay Reload fee$0
Minimum Age16
Available To Temporary ResidentsNo

Reloading funds and currencies

Which currencies can I load on the card?

At one time, you can load up to five different currencies on your card from a list of 11 available currencies. If your card has money in the local currency of the country you travel to, it makes use of that currency automatically.

Supported currencies

The currencies you can load to your Westpac Global Currency Card include:

  • Australian dollars (AUD)
  • US dollars (USD)
  • Hong Kong dollars (HKD)
  • Canadian dollars (CAD)
  • Euros (EUR)
  • Japanese yen (JPY)
  • Great British pounds (GBP)
  • New Zealand dollars (NZD)
  • South African rand (ZAR)
  • Thai baht (THB)
  • Singapore dollars (SGD)

Exchange rates

You get to lock in exchange rates when you load your card, so you don’t have to worry about negative fluctuations in rates. If the card ends up drawing funds from a currency other than the local currency, live /current exchange rates apply.

How to load funds on the card

When it comes to loading funds on your card, you can choose from the following three options:

  • Global Currency Card app. You can use the Westpac Global Currency Card app to check your balance and move funds between currencies.
  • Online banking. Load your Westpac Global Currency Card instantly through Westpac Live Online Banking.

How much will the card cost me?

While this card provides various fee-free services, you have to pay some fees.

Main fees associated with
Westpac Global Currency Card
Buying card via online banking$0
Initial funds load feeBranch: 1% of AUD value loaded up to maximum $10, Online/ BPAY: $0
Reloading fee$0. BPAY transfer through another financial institution may collect a transaction fee.
Overseas transaction fee
(when paying in local currency)
$0
Foreign exchange fee
(when paying in currency other than a local currency)
3% of the transaction amount
Overseas cash withdrawal at a Westpac Global Alliance ATM$0
Overseas balance enquiry at a
Westpac Global Alliance ATM
$0
ATM withdrawal feeOver 50,000 ATMs via Global ATM Alliance network and Westpac Group Partners: $0

Non-Westpac Group ATM in Australia or non-Global Alliance ATM overseas: 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

Using your card

You can use your Westpac Global Currency Card to withdraw money from any ATM that displays the Visa logo and make payments at any Visa-accepting business. You can also use this prepaid card to make purchases through international websites.

The Westpac Global Currency Card comes with a complimentary card, linked to the same primary account. You can use this card if you end up losing or damaging your original card. In the event you lose both cards, you can still get access to emergency funds.

Managing your card

You can order, load, reload and manage your card online.

  • Ordering your card. If you are an existing customer, you can request for this travel money card online. Once you submit your application, allow five to seven business days for the card to get to you. The delivery period can be longer for remote areas.
  • Activating your card. After you receive your card, you have to activate it and set up your PIN, which you can do online. Have your card handy before you begin the process because you will have to provide details including the card number, its expiry date and CVV2 number.
  • Managing your card online. You can log in to the Westpac Global Currency Card online platform to check your balances, transfer funds between currencies, review transaction history, change your PINs and look up the latest exchange rates. The bank provides an app through the iOS App Store and Google Play, which you can use to check balances, view transaction history and transfer funds between currencies.

Security

Your card is protected by chip and PIN card security. Plus, Visa’s Zero Liability Policy will protect you from any fraudulent charges or unauthorised purchases. If your card is lost, damaged or stolen or if you identify fraudulent activity on your card, you can contact the customer service team on:

  • Within Australia. 1300 797 470 (local call cost)
  • Outside Australia. +61 2 9374 7102 (standard call charges apply)

Highlights and drawbacks

  • Additional card. Westpac will provide you with a back up money card at no additional cost. The cards have separate card numbers and PINs, but they both access funds from the one account.
  • Limited fees. There are no monthly service, electronic statement, card balance or transaction history fees.
  • Personalised PIN. A default PIN will be set at the time of activation, but you can customise it online or over the phone. This gives your PIN better flexibility and security. Please note that if your PIN is entered incorrectly three times, the security feature on the card will temporarily suspend the card and you’ll need to call Customer Assistance to reset it.

While the Westpac Global Currency Card lets you carry multiple currencies easily, you can find other cards with similar features. This means that it's important that you compare your options before applying.

Frequently Asked Questions

No, it is a Visa prepaid card. This means you need to load money onto your travel card before using it. When you make a purchase or withdraw cash, the amount is deducted from your preloaded balance rather than charged to a credit account.

No, you can only load Australian dollar amounts onto your card. They will then be converted to the supported currencies you select in your wallets.

Yes. Only existing customers can request for the Global Currency Card online. Please note that this is not available in branch.

You can continue to use your money card in Australia to shop or make a withdrawal from a Westpac Group ATM. Otherwise, you can contact the Customer Service Centre to have your foreign funds transferred into Australian dollars.

There is an Expiry Date printed on the front of your travel card. If you wish to close your card before the expiry date, you can complete a closure form over the phone. Westpac can convert any remaining funds into Australian dollars and make a deposit into your Australian account.

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This page was last modified on 4 May 2017 at 4:48pm.

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178 Responses to Westpac Global Currency Card

  1. Default Gravatar
    David | May 24, 2017

    What is the conversion rate used when preloading the card with e.g UK pounds. How does this compare with the rate used when using a standard Australian debit card at a Barclays bank in the UK?

    • Staff
      Harold | May 25, 2017

      Hi David,

      Thank you for your inquiry.

      You get to lock in exchange rates when you load your card, so you don’t have to worry about negative fluctuations in rates. If the card ends up drawing funds from a currency other than the local currency, live /current exchange rates apply. You can discuss further directly with the provider.

      I hope this information has helped.

      Cheers,
      Harold

  2. Default Gravatar
    | May 8, 2017

    My husband and I are heading to Europe. Do we both need to apply for a travel card each or can we share the two that have been issued in my husband’s name?

    • Staff
      Liezl | May 9, 2017

      Hi Jill,

      Thanks for your question.

      Actually, both the primary card and a spare card should only be used by the cardholder and not by another person as indicated in Westpac’s PDS found on this page. The spare card was issued in case the primary card got damaged, lost or stolen.

      It would then be ideal for both of you to have individual travel cards. However, it would be best to verify this directly with Westpac Global Currency Card Customer Service on 1 300 797 470 (24/7, local call cost).

      I hope this has helped.

      Cheers,
      Liezl

  3. Default Gravatar
    Madison | May 1, 2017

    Im looking into all options for prepaid cards. I would love to stay with Westpac however can I purchase this card and use it only in Australia? I really only wanted something for domestic use only. Could you suggest the best card at all. And would I get charged high fees if I purchased this card and only used it domestically?

    • Staff
      Harold | May 2, 2017

      Hi Madison,

      Thank you for your inquiry.

      Unfortunately, we cannot recommend what is best for you. Our company finder.com.au is a financial comparison website and general information service designed to help consumers to make a better decision. Please note we do not represent any company we feature on our pages.

      Typically, with Westpac you can also use this prepaid card to make purchases through international websites. Should you need an additional options for travel money you may want to consider these providers.

      I hope this information has helped.

      Cheers,
      Harold

  4. Default Gravatar
    fred | March 6, 2017

    Can I come into a Westpac branch and purchase a global currency card with cash

    • Staff
      May | March 6, 2017

      Hi Fred,

      Thank you for your question.

      Unfortunately, the Westpac Global Currency Card is not available in-branch.
      Please note that this offer is only available online to existing customers, wherein they can submit their online applications for free.

      Cheers,
      May

    • Default Gravatar
      Thomas | April 25, 2017

      I have used my Westpac travel card without problems in Europe and Japan but had problems on a recent trip to the USA.These arose from the absence of a printed name on the card.

      For example, I was refused a credit card purchase because, even though I knew the PIN, there was no link between the card ownership and the Id I could provide. Nor would the ship I was cruising on accept a progressive payment against my on-board account, even tho’ it would have been cleared well before I disembarked.

      I also found the maximum ATM withdrawals was limited to a few hundred dollars on hole-in-wall machines but to withdraw a larger amount via a teller was a hassle because of the inability to establish ownership of the travelcard.

      So it looks like I’ll need to switch to a multicurrency travelcard that has your namereprinted on it. Please advise suitable cards.

    • Staff
      Harold | May 5, 2017

      Hi Thomas,

      Thank you for your inquiry.

      If you often travel overseas you may want to consider a travel money card. You can use your travel card to convert your Australian dollars into your chosen supported currency. When you spend in a supported and loaded currency, you can avoid the currency conversion fees you’d usually be charged if you were using an Australian card overseas. For further information you may check on this page.

      I hope this information has helped.

      Cheers,
      Harold

  5. Default Gravatar
    Peter | February 16, 2017

    Your Westpac Global Currency Card, is that accepted at the London Tube as their direct scanning for the ticket payment?

    • Staff
      May | February 16, 2017

      Hi Peter,

      Thank you for your question and for contacting finder.com.au – we are a financial comparison website and general information service designed to help consumers make better decisions. Please note that we are not affiliated with any company we feature on our site.

      You can actually use your Westpac Global Currency Card to make payments at any Visa-accepting business. So if the London Tube accepts Visa cards, then you may use your card to pay for your tickets.

      Cheers,
      May

  6. Default Gravatar
    Paula | February 1, 2017

    apart from the 2 cards linked to this type of account can you get a another card for a travelling companion to use which is linked to same account

    • Staff
      Anndy | February 1, 2017

      Hi Paula,

      Thanks for your question.

      Unfortunately, you cannot request an additional cardholder for the Westpac Global Currency Card. When you apply for this card, they will issue two cards, which must not be given to anyone else. The second card is for your use only in the event that the first Card is lost or stolen or can’t be used.

      Cheers,
      Anndy

  7. Default Gravatar
    Ailsa | December 12, 2016

    How how do I get a Global currency card if I’m not an existing Westpac customer

    • Staff
      May | December 12, 2016

      Hi Ailsa,

      Thanks for your question.

      If you are not an existing Westpac customer but interested in getting a Westpac Global Currency Card, please visit your local branch and apply for the card there.

      Hope this helps.

      Cheers,
      May

  8. Default Gravatar
    bernadette | October 17, 2016

    I am a Westpac customer, can I view this card on my existing online banking? can I transfer money from my Westpac saver onto the travel card?

    • Staff
      Sally | October 18, 2016

      Hi Bernadette,

      Thanks for your question.

      If you sign up for the Westpac Global Currency card, you’ll have a separate online account to manage your travel money. Yes, you can transfer funds from your Westpac saver onto the travel card (and return any funds from the card to that savers account when you’re finished with it).

      I hope this has helped.

      Cheers,

      Sally

  9. Default Gravatar
    William | September 22, 2016

    I want to have a card that I can use with purchasing items off of a website in Usa and resell that item on amazon Usa.

    The hopeful payment from Amazon would be put into this card
    as a credit and balance should eventually be in credit.

    I will put in a reasonably large amount of money to keep this system “liquid”
    Is this viable with this card with debits and payments?

    Also what are the extra charges buy and sell in Us Dollars?
    I gather I can withdraw thru an atm here when needed?
    Many thx

    Bill

    • Staff
      Jonathan | September 27, 2016

      Hi William, thanks for your inquiry!

      The Westpac Global Currency Card would meet your requirements of purchasing items off a website in the USA. This card would also allow you to make debits and payments. If you have USD loaded on this card then there will be no extra charges for making purchases in the USA. ATM withdrawals are allowed in Australia, however you will have to pay a $2.00 AUD charge for every withdrawal.

      Cheers,

      Jonathan

  10. Default Gravatar
    Deb | September 19, 2016

    Is their help overseas if you get it stolen . Also is there a pin for withdraws only no chip.

    • Staff
      Sally | September 20, 2016

      Hi Deb,

      Thanks for your question.

      If your card has been lost or stolen, you can request up to $3,000 in emergency funds transfer. Depending on where you are, Westpac will try to arrange an
      emergency cash transfer through their preferred global money transfer agent.

      If your card is lost or stolen, you can contact the Westpac Global Currency Card emergency customer service team on +61 2 9374 7102 (standard call charges apply).

      Otherwise, you can report your lost or stolen card online through your Online Banking account or through your Mobile Banking app.
      If you’re going to use Online Banking, you can follow these steps.
      1. Sign in to Westpac Online Banking account
      2. Select ‘Services’ from the ‘Services & preferences’ menu
      3. Select ‘Report lost or stolen cards’ from the ‘Urgent services’ options
      Then follow the prompts to report the lost card.

      If you’d rather use Mobile Banking, you can follow these steps:
      1. Sign in to Westpac Mobile Banking
      2. Go to the Menu and select ‘Security’
      3. Select Report lost/stolen card
      Follow the prompts and enter the information regarding your lost Global Currency Card.

      As Westpac Global Currency cardholders are provided with a secondary card with a unique PIN, it’s important to keep one card on you and one card safe with your luggage or locked in the hotel safe to ensure that you have a backup in case your card is lost or stolen.

      You’ll be required to enter your PIN for all transactions, whether an ATM withdrawal or EFTPOS purchase.

      I hope this has helped.

      Cheers,

      Sally

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