Westpac Global Currency Card

Rates and fees last updated on

The Westpac Global Currency Card offers a convenient way to spend 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 5 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$50,000
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 Fee$0
ATM Withdrawal Fee

Non-Westpac Group ATM in Australia / 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, ZAR 20.00

Over 50k ATMs (Global ATM Alliance network & Westpac): $0

Reload FeeTransferring through another financial institution (BPAY) may attract a transaction fee.
Balance Enquiries

Non-Westpac Group ATM in Australia/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, ZAR 20.00

Over 50k ATMs (Global ATM Alliance network & Westpac Group): $0

Card Replacement Fee$0
Currency Conversion Fee3%
BPay Reload feeTransferring through another financial institution (BPAY) may attract a transaction fee.
Minimum Age16
Available To Temporary ResidentsNo

Reloading funds and currencies

Which currencies can I load on the card?

You can load up to 5 different currencies on your card at the same time from a list of 11 available currencies. If your card has funds 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.
  • In-branch. Load Australian or foreign currency onto your Westpac Global Currency Card at a Westpac branch.

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 fee$0
Reloading feeTransferring through another financial institution (BPAY) may attract a transaction fee.
Overseas transaction fee
(when paying in local currency)
$0
Foreign exchange fee
(when paying in currency other than a supported 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 fee

Non-Westpac Group ATM in Australia / 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, ZAR 20.00

Over 50k ATMs (Global ATM Alliance network & Westpac): $0

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 fraudulent charges or unauthorised purchases. The GCC is issued by Cuscal Limited.

If your card is lost, damaged or stolen or if you identify fraudulent activity on your card, you can speak with a customer service representative 24 hours a day, 7 days a week:

  • 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 backup money card at no additional cost.
  • 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 card activation. You may change the PIN online or by calling Westpac Customer Assistance.

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.

Online, you can only load Australian dollar amounts onto your card. They will then be converted to the supported currencies you select in your wallets. You may load foreign currencies onto the card in-branch, but the card must be acquired online.

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

You can continue using your card in Australia to shop online in your chosen currency or make a cash withdrawal from any Westpac Group ATM without paying any ATM withdrawal fees. Alternatively, you can transfer the remaining foreign funds back into Australian Dollars at the applicable exchange rate and request the available balance to be transferred into a nominated Australian bank account by logging into the Westpac's website.

You can close the account through Westpac online banking. You will first have to transfer any available balance into the Australian Currency Wallet to redeem any leftover funds.

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This page was last modified on 29 June 2017 at 2:07pm.

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182 Responses

  1. Default Gravatar
    LeonardJuly 16, 2017

    Can I use my global currency card with euro dollars in my wallet in Czech Republic to draw out euro dollars.

    • Staff
      DanielleJuly 16, 2017Staff

      Hi Leonard,

      Thank you for contacting finder. We are a comparison website and general information service, we’re more than happy to offer general advice.

      According to Westpac, as the local currency would not be one available in your wallets, it would use AUD to complete the transaction. But if you do not have sufficient AUD balance then yes, it will default to the currency that is loaded on your card. So it will work, though a 3% Westpac Foreign Exchange Fee applies to overseas transactions in a currency other than a supported currency.

      I hope this helps.

      Cheers,
      Danielle

  2. Default Gravatar
    July 12, 2017

    How long do funds take to appear on Westpac global currency card after making a Bpay payment and can you check your balance via your Westpac Online banking account.

    • Staff
      DanielleJuly 12, 2017Staff

      Hi Ro,

      Thank you for contacting finder. We are a comparison website and general information service, we’re more than happy to offer general advice.

      According to Westpac, the funds should appear on your Global Currency Card (GCC) in 2 business days or so and, yes, you can check your balance via Westpac Live. But, you’d need to log into the GCC portal to move funds between different currencies.

      I hope this helps.

      Cheers,
      Danielle

  3. Default Gravatar
    DavidMay 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
      HaroldMay 25, 2017Staff

      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

  4. 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
      LiezlMay 9, 2017Staff

      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

  5. Default Gravatar
    MadisonMay 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
      HaroldMay 2, 2017Staff

      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

  6. Default Gravatar
    fredMarch 6, 2017

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

    • Staff
      MayMarch 6, 2017Staff

      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
      ThomasApril 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 name reprinted on it. Please advise suitable cards.

    • Staff
      HaroldMay 5, 2017Staff

      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

  7. Default Gravatar
    PeterFebruary 16, 2017

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

    • Staff
      MayFebruary 16, 2017Staff

      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

  8. Default Gravatar
    PaulaFebruary 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
      AnndyFebruary 1, 2017Staff

      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

  9. Default Gravatar
    AilsaDecember 12, 2016

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

    • Staff
      MayDecember 12, 2016Staff

      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

  10. Default Gravatar
    bernadetteOctober 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
      SallyOctober 18, 2016Staff

      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

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