Westpac Global Currency Card

Take advantage of locked-in exchange rates, competitive savings and 11 foreign currencies with this prepaid Visa card.

The Westpac Global Currency Card is a prepaid Visa travel money card that lets you load up to 5 of 11 different currencies at any one time. This allows you to lock in competitive currency exchange rates and save on ATM and transaction fees when paying in a loaded currency. The card also comes with an additional complimentary card and can be used wherever Visa is accepted.

The Westpac Global Currency Card is not currently available via finder. Visit www.westpac.com.au/international-travel/travel-money-card/ for this product or compare other pre-paid travel card and travel-friendly debit and credit card options below.

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Available CurrenciesAUD, USD, CAD, EUR, GBP, HKD, JPY, NZD, SGD, THB, ZAR
Multiple Currencies on One Card?Yes
Number of Cards Issued2
Minimum Load Amount$100
Maximum Load Amount$50,000
Maximum Load Amount (Annual)$100,000
24 Hour ATM Cash Withdrawal Limit$2,000
24 Hour Purchase (POS) Transaction Limit$10,000
Card Issue Fee$0
Initial Load Fee$0
ATM Withdrawal Fee

Non-partner: 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

Reload Fee$0
Inactivity Fee (Monthly)$0
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

Transaction Fee (for Purchases)$0
Card Replacement Fee$0
Currency Conversion Fee3%
BPAY Reload FeeMay attract fee
Minimum Age16
Available to Temporary Residents?No

What currencies can I load on the Westpac Global Currency Card?

The Westpac Global Currency Card supports:

  • 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)

Currency wallet order

Whenever you spend in a foreign currency, that currency wallet will automatically be debited for the transaction. However, if your wallet balance is insufficient to cover that transaction or if you spend in a foreign currency unsupported by the card, your available card balance will be drawn down following the currency order or "drawdown sequence".

You can set your preferred drawdown sequence by logging into your account online or calling Customer Assistance on 1300 797 470 and following the prompts. If you don't indicate your preference, the default order will be the order in which you first placed your funds on the card.

To illustrate how the currency order or drawdown sequence works, imagine that you're in Vietnam and wish to pay for a meal in Vietnamese dong.

Since the Vietnamese dong isn't a supported currency on the Westpac Global Currency Card, your Australian currency wallet will be debited first. If you don't have sufficient Australian dollars to cover the transaction, your US currency wallet will be debited next, followed by the euro wallet, the New Zealand dollar wallet and the Japanese yen wallet until the transaction amount is satisfied.

Applicable foreign exchange rates used in such situations are determined by Westpac and fluctuate daily. They can be found on the Westpac website.

You can hold five of these currencies on your card at any given time, one of which must always be Australian dollars. When loading or reloading electronically, your funds are always loaded on your card as Australian dollars.

You may load funds into foreign currency wallets at a Westpac branch and the daily foreign exchange rates will apply. When transferring funds between currency wallets on your card, the current Westpac foreign exchange rates will be applied.

Where can I use my Westpac Global Currency Card?

The Westpac Global Currency Card is a Visa card that enjoys online and in-store acceptance globally. You can use it at merchants and ATM machines wherever Visa is accepted, except for pre-authorised regular payments, illegal transactions and Internet gambling transactions.

Features of the Westpac Global Currency Card

The perks and features you can look forward to include:

  • Locked-in exchange rates. Lock in exchange rates on the card before embarking on your journey. This can offer protection from exchange rate fluctuations and help with budgeting.
  • Additional card. Your complimentary spare card serves as a backup in case of theft, loss or damage to the first card.
  • Global ATM alliance. Access cash at any ATM worldwide, wherever the Visa logo is displayed.
  • No ATM withdrawal fees. Enjoy $0 ATM fees when you use one of over 50,000 Global Alliance ATMs.
  • Smartphone app. The Westpac Global Currency Card app lets you manage your travel money on any smart device so that you can check balances and transactions, change currencies, transfer money between currencies and change account settings while on the go.
  • Account and transaction limits. Your account balance cannot exceed AUD$50,000 or equivalent at any time. Your daily load or reload cannot exceed AUD$25,000 or equivalent, each in-branch or bank transfer load or reload cannot exceed AUD$25,000 and each BPAY load or reload cannot exceed AUD$6,000. Your maximum aggregate balance during any calendar year cannot exceed AUD$100,000 or equivalent. Daily ATM withdrawals cannot exceed AUD$2,000 or equivalent and your total ATM withdrawals, POS/EFTPOS or online purchases in a day cannot exceed AUD$10,000 or equivalent. Merchants or ATM operators may impose additional limits.

How much does the Westpac Global Currency Card cost?

This table lists the costs associated with this travel card along with a brief explanation of when you'll be charged each fee.

Type of feeCostExcess
Purchase fee$0You won't be charged a fee when you purchase the card.
Initial load fee$0When you load your new card for the first time
Additional card fee$0You can request an additional card for free.
Replacement card fee$0You won't be charged a fee if you request a replacement card if your card is lost, stolen or damaged.
Foreign exchange fee3% of the Australian dollar amount of the transaction of the AUD transaction valueWhen you transact in a currency that is not supported on the card.
ATM withdrawal fee
  • $0 at a Westpac ATM, Westpac Group Australia ATM or Global ATM Alliance partner ATM
  • Otherwise in the applicable withdrawal currency:
    • AUD 2
    • USD 2
    • GBP 1.5
    • EUR 2
    • NZD 3
    • CAD 2.5
    • HKD 15
    • SGD 3
    • JPY 200
    • THB 75
    • ZAR 20
When you make an ATM withdrawal in Australia or globally
ATM balance enquiry fee
  • $0 at a Westpac ATM, Westpac Group Australia ATM or Global ATM Alliance partner ATM
  • Otherwise in the applicable withdrawal currency
    • AUD 2
    • USD 2
    • GBP 1.5
    • EUR 2
    • NZD 3
    • CAD 2.5
    • HKD 15
    • SGD 3
    • JPY 200
    • THB 75
    • ZAR 20
When you make a balance enquiry in Australia or globally
Emergency cash transfer fee
  • $15 for amounts below AUD$500
  • $20 for amounts between AUD$500 and $1,000
  • $25 for amounts between AUD$1,000 and $2,000
  • $30 for amounts between AUD$2,000 and $3,000
When you request an emergency cash transfer, such as when your card has been lost, damaged or stolen
Inactivity fee$0Unlike some other cards, you won't be charged a fee if your account is inactive

How to use the Westpac Global Currency Card

Follow these easy steps to get your card up and running:

  • Activating the card. Activate your new card by heading online to the Westpac website or by calling 1300 797 470 and following the prompts. You must also sign your card before using it.
  • Loading funds on the card. Load funds instantly in Australian dollars via Westpac Live Online Banking by designating your Global Currency Card as the "To" account. Otherwise you may transfer funds via bank transfer directly from another bank, or via BPAY. Bank transfers generally take one business day to process while BPAY can take up to three. You may also choose to load funds at any Westpac branch.
  • Managing your online account. Manage your card online or by using the Westpac Global Currency Card app on your smart device. When logged into your account, you can view currency balances and past transactions, activate currencies, change your currency order, transfer funds between currency wallets and manage general account settings.

What do I do if I return home with foreign currency remaining on the card?

You may choose to keep your card for future travel or online shopping. Otherwise you may withdraw remaining cash from any Westpac, St.George, Bank of Melbourne or BankSA ATM in Australia without incurring any ATM withdrawal fees.

You could also log into your Global Currency Card account and transfer any remaining foreign currencies back into your Australian currency wallet at the prevailing exchange rate before requesting that your available balance be transferred into a nominated Australian bank account.

Who do I contact if my card is lost, stolen or damaged?

If your card has been damaged, lost or stolen, call 1300 797 470 or +61 2 9374 7102 from overseas. This number operates 24/7 and you can request a card replacement or emergency cash here.

How to apply for a Westpac Global Currency Card

This product is available to existing Westpac customers. You can apply online via Westpac Online Banking or the Westpac website. If approved, your card will be delivered in three to five business days. For existing Westpac customers yet to set up online banking accounts, you may register for online banking at any time online or call 1300 655 505 for assistance between 8am and 8pm AEST, seven days a week.

Are there any eligibility requirements?

You must be over 16 years old, have an Australian residential address and be an existing Westpac customer with online banking access. You may also need to provide proof of identification for verification purposes.

The Westpac Global Currency Card is easy to use and offers a convenient travel money option for the savvy globetrotter. As always though, make sure to compare your options before deciding on a travel money card to find a card that best suits your needs.

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206 Responses

  1. Default Gravatar
    AdeleDecember 1, 2018

    I am looking for a travel card for Europe. The global currency card appears to have little fees and a good conversion rate unlike most other cards, so I was wondering if there is a fee for individual transactions at a merchant (if I am spending loaded Euros)?

    • finder Customer Care
      JohnDecember 6, 2018Staff

      Hi Adele,

      Thank you for reaching out to finder.

      The Westpac Global Currency card fees are available on the web page we are on. But regarding individual transactions with merchants, there may be fees that the merchant would charge. You may need to speak with the merchant directly and ask if fees are associated prior to making a transaction. Hope this helps!

      Cheers,
      Reggie

  2. Default Gravatar
    StephenNovember 15, 2018

    I would like to see the balance of my card and the last few transactions.

    • finder Customer Care
      JhezelynNovember 16, 2018Staff

      Hi Stephen,

      Thank you for your comment.

      Just a friendly note that you have reached finder. You can check balances and transactions through the Westpac Global Currency Card app by logging in to your account.

      Should you wish to have real-time answers to your questions, try our chat box on the lower right corner of our page.

      Regards,
      Jhezelyn

  3. Default Gravatar
    RajOctober 29, 2018

    Can I use these cards within Australia?

    • finder Customer Care
      JeniOctober 29, 2018Staff

      Hi Raj,

      Thank you for getting in touch with finder.

      Yes, you may also use this card in Australia, as long as the retailer accepts Visa cards and your Westpac Global Currency card has sufficient balance for your transaction.

      I hope this helps.

      Please feel free to reach out to us if you have any other enquiries.

      Thank you and have a wonderful day!

      Cheers,
      Jeni

  4. Default Gravatar
    MaireOctober 21, 2018

    If I want to exchange Australia dollars into Vietnam Dong is it better to do over counter at bank in Australia or load my GC card and withdraw cash in Vietnam? Can I just select savings? Or does it require the credit option to access cash?

    • finder Customer Care
      JeniOctober 29, 2018Staff

      Hi Maire,

      Thank you for getting in touch with finder.

      Please see answers below:

      If I want to exchange Australia dollars into Vietnam Dong is it better to do over counter at bank in Australia or load my GC card and withdraw cash in Vietnam?
      – Bringing some Vietnam dong is a good idea since you might pay services that only accept cash like public transpo. For other transactions you’ll have in the said country like dining, shopping, tours etc, using credit card/travel card would be fine. You may see and compare your other travel money options in Vietnam on this page.

      Can I just select savings? Or does it require the credit option to access cash?
      – You must press Credit button when you either pay using a credit card, or with a debit card that can also be used as a credit card – like this travel card, in order for the transaction to work. ATM withdrawl fee varies per currency, for example if your default currency is AUD, the ATM withdrawal fee is AUD 2. Some banks may also apply a surcharge to withdrawals from their ATMs. This should be drawn to your attention before you proceed with your transaction. This surcharge amount will be added to your withdrawal amount.

      I hope this helps.

      Please feel free to reach out to us if you have any other enquiries.

      Thank you and have a wonderful day!

      Cheers,
      Jeni

  5. Default Gravatar
    safeldinOctober 20, 2018

    How can I load my card?

    • Default Gravatar
      JoelOctober 20, 2018

      Hi there,

      Thanks for leaving a question on finder.

      It’s quick and easy to reload your Westpac Global Currency travel money card:

      1. Load funds instantly through Westpac Live Online Banking when you select your Global Currency Card as a “To” account
      2. To load funds from another Australian Financial Institution using the BSB and account number associated with your card, located on the back of your card
      3. Use BPAY® by entering the BPAY® Biller Code 208637, then enter your customer reference number which is the 13 digit number on the back of your card
      4. If using another Australian Financial Institution, load before you go, so you will not have any problems setting up a new payee or biller when you are overseas.

      Please send me a message if you need anything else. :)

      Cheers,
      Joel

  6. Default Gravatar
    DylanSeptember 28, 2018

    Can this card be held in joint under 2 names?

    • Default Gravatar
      JoelSeptember 28, 2018

      Hi Dylan,

      Thanks for leaving a question on finder.

      Unfortunately, you can not have a joint application for this travel card.

      Please send me a message if you need anything else. :)

      Cheers,
      Joel

  7. Default Gravatar
    NerminaSeptember 10, 2018

    Hi,

    I am planning a trip to Bosnia that has an unsupported currency – KM. Can you please tell me what are the ATM fees if I am using my Westpac travel card to withdraw KM currency? Ta

    • finder Customer Care
      JeniSeptember 11, 2018Staff

      Hi Nermina,

      Thank you for getting in touch with finder.

      Since there’s no Global Alliance ATM in Bosnia, there’s an ATM withdrawal fee of AUD 2.00 (if AUD is your default currency) and a foreign exchange fee of 3% of the Australian dollar amount of the transaction. This foreign exchange fee is payable
      whenever this card is used for a transaction in a currency other than a supported currency.

      Some banks may also apply a surcharge to withdrawals from their ATMs. This should be drawn to your attention before you proceed with your transaction. This surcharge amount will be added to your withdrawal amount.

      I hope this helps.

      Please feel free to reach out to us if you have any other enquiries.

      Thank you and have a wonderful day!

      Cheers,
      Jeni

  8. Default Gravatar
    stellaAugust 14, 2018

    Can I use the global currency card to withdraw money from ATM in Moscow or St. Petersburg?

    • finder Customer Care
      JhezelynAugust 14, 2018Staff

      Hello Stella,

      Thank you for your comment.

      Upon checking on the Westpac’s Global ATM Finder, unfortunately, there is no Global ATM alliance found in Moscow and St. Petersburg. But definitely yes, you can use this card to withdraw from an ATM in the said places. Be aware though that the following fees and charges will apply when using ATMs overseas:
      – A 3% Westpac Foreign Transaction Fee applies to overseas debit or credit card withdrawals.

      Should you wish to have real-time answers to your questions, try our chat box on the lower right corner of our page.

      Regards,
      Jhezelyn

  9. Default Gravatar
    cindyAugust 13, 2018

    Is there any Global ATM Alliance partner ATMs in Japan? The finder tool didn’t seem to pick any up. If not will fees be charged to withdraw cash?

    • finder Customer Care
      JhezelynAugust 14, 2018Staff

      Hello Cindy,

      Thank you for your comment.

      Upon checking on the Westpac’s Global ATM Finder, unfortunately, there is no Global ATM alliance found in Japan. Please be aware of the following fees and charges that may apply when using ATMs overseas:

      – A 3% Westpac Foreign Transaction Fee applies to overseas debit or credit card withdrawals.
      – A 2% cash advance fee applies to credit card withdrawals where the “Credit” option is selected.
      – When using a debit card, a $5 ATM withdrawal fee applies when you withdraw money from an ATM which is not part of the Global ATM Alliance network or a Westpac Group partner. Westpac does not charge a fee for checking your account balance.
      – Some overseas banks may apply a fee for withdrawals and/or balance checks. This will be brought to your attention before you proceed with the transaction.

      Should you wish to have real-time answers to your questions, try our chat box on the lower right corner of our page.

      Regards,
      Jhezelyn

  10. Default Gravatar
    NathanDecember 11, 2017

    Am I able to get a travel card by going into a Westpac Branch? I am leaving for OS in 2 days.

    Thank you

    • finder Customer Care
      MayDecember 12, 2017Staff

      Hi Nathan,

      Thank you for your inquiry.

      I’m afraid the Westpac Global Currency Card can be ordered via online banking or at the website only. Also, you need to be an existing customer of Westpac with Online Banking access to be able to apply. If approved, you’re able to receive the card in 3–5 business days.

      Cheers,
      May

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