Westpac Global Currency Card

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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.

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.
Monthly Inactivity Fee
after 12 months inactivity
$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

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

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
  • In-branch: 1% of the AUD load value up to AUD$10
  • Online using Westpac Online or Mobile Banking via BPAY or bank transfer: $0
When you load your new card for the first time
Reload fee1% of the AUD load value up to AUD$10Every time you reload funds on your card after the initial load amount
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 fee$3 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 2.00
    • 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
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 2.00
    • 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
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
Closure/cash out fee$0You can cash out remaining funds or close your account without attracting a fee.

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, which will take up to one business day to process and incur a 1% load fee capped at AUD$10.

    • 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 3–5 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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This page was last modified on 23 August 2017 at 11:34am.

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186 Responses

  1. Default Gravatar
    PeterAugust 29, 2017

    Are the fees & charges different if needing Indian & Sri Lankan rupee?

    • Default Gravatar
      JonathanAugust 29, 2017

      Hello Peter,

      Thank you for your question.

      Any currency that is not supported by the wallet will attract the same set of fees such as Currency Conversion Fee and some overseas ATM withdrawal fee. We recommend that you load your card with a currency that has the cheapest conversion to minimize those.

      Hope this helps.

      Cheers,
      Jonathan

  2. Default Gravatar
    sueJuly 27, 2017

    Can I use the card in Scandinavia?

    • Staff
      HaroldJuly 28, 2017Staff

      Hi Sue,

      Thank you for your inquiry.

      While we don’t have specific information that this can be used in Scandinavia. You may want to consider the options for Europe.

      I hope this information has helped.

      Cheers,
      Harold

  3. 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

  4. 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

  5. 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

  6. 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

  7. 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

  8. 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

  9. 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

  10. 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

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