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Overseas holiday money 10-step money checklist 

Heading overseas for a holiday? Our handy travel checklist covers our top money tips to think about before you go. 

If you're heading off on an overseas adventure, use our travel checklist to make sure you've got everything covered.

1. Take a mix of cash and cards

Consider taking a mix of  foreign cash , a  Travel Money Card , debit and  credit cards  when you’re travelling rather than relying on cash alone. 

Not only is it good to have a bit of flexibility when it comes to paying for things, you’ll also have a back-up if anything gets stolen.

And it goes without saying that the time to get foreign cash, or load up your Travel Money Card, is when the exchange rate is in your favour. Watching it long before you go is key. Time it right and you may be able to make your dollar stretch a lot further.

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2. Get travel insurance

Travel insurance is really important, without it you’ll be counting the cost if the unexpected happens. Some CommBank  credit cards include travel insurance ,  if yours doesn't you can purchase a policy and tailor  CBA travel insurance  to your specific needs. 

Regardless of the insurer you choose, make sure you tell them if you’re going to take part in an adrenaline filled activity – some policies exclude ‘dangerous sports’.

3. Review home and contents insurance

You want peace of mind that your home and belongings are protected while you’re away.

Check you’ve got the right level of  home and contents insurance  that covers events like fire, flood and theft. 

4. Check your limits 

Getting your card rejected because you’ve exceeded your credit limit can put a dampener on your holiday. 

Check your  credit limit  and daily ATM/ debit card withdrawal limit in  NetBank  to avoid getting caught out. 

If you want to stick to a budget while you’re on holiday, you can also  set a limit per transaction  on your credit card so you don’t overspend. 

And if you decide to get a  Travel Money Card , you can log on to NetBank to set up alerts (by email, SMS or as a NetBank message) so you know when a currency dips below your chosen limit.

5. Check the expiry date on your cards

Take a look at your credit and debit ATM card a few weeks before you leave.

Let us know if any are due to expire just before, or while you’re away, we can sort out a replacement for you - simply log on to  NetBank  or the  CommBank app .

While you're at it, check the expiry date on your passport too. 

6. Consider paying bills and credit cards automatically

Missing a bill or credit card payment while you’re on holiday can lead to late fees. If you’re a habitual late-payer it may also impact your credit rating. 

Consider setting up BPAY View AutoPay  so your bills are automatically paid on time (up to a set limit of your choice), a direct debit or  credit card AutoPay  where you determine whether to pay the minimum or a full repayment.

7. Know the fees and charges

Thinking about  fees and charges  can be a holiday buzz-kill. But it’s important to remember that if you pay for things in Australian dollars on your credit card, you may pay more than you think. 

Overseas merchants tend to charge a higher conversion rate for the trouble of converting your money into their currency. It may be cheaper to pay in the local currency.

And while it’s great having cash in hand, use overseas ATMs sparingly - you get charged every time you use them. Carrying lots of cash around isn’t a good idea, but paying fees every time you withdraw a few dollars isn’t either.

8. Tell us before you go

Log on to  NetBank  or the  CommBank app  to tell us when and where you’re going. 

We can keep an eye out for any suspicious activity on your accounts and credit cards while you’re away.

9. Have a back-up plan

Keeping your cash and cards separate is always a good idea. A money belt, while not an in-demand fashion item, may be a practical solution.

Even the best laid plans go awry though, so it’s best to have a back-up plan in case anything is lost or stolen. Stashing your cash and spare cards in a safe, or a lockable case, can give you a fall-back option if you need it.

10. Emergency details

Keep a digital and printed copy of important contact details somewhere safe in case of an emergency.  

Access online and security support

• Lock, Block, Limit  your CommBank credit card or lock your Travel Money Card 
• Cancel and order replacement CommBank cards in NetBank or the CommBank app
• Call us on +61 2 9999 3283 to report lost or stolen CommBank cards

Travel insurance 

For 24 hour travel insurance emergency assistance, call Cover-More in Australia direct and toll free on +61 2 8907 5641. You can also call from:

• Canada on 1844 345 1662
• New Zealand on 0800 632 031
• UK on 0808 234 3737
• USA on 1844 345 1662

Charges apply if calling from a mobile or pay phone.

Explore our range of travel products and services

Tell me more

Things you should know

This article is intended to provide general information of an educational nature only. It does not have regard to the financial situation or needs of any reader and must not be relied upon as financial product advice. Insurance issued and managed by Cover-More Insurance Services Pty Ltd (AFSL 241713, ABN 95 003 114 145) on behalf of the insurer Zurich Australian Insurance Limited (AFSL 232507, ABN 13 000 296 640) for Commonwealth Bank of Australia (‘CBA’) (ABN 48 123 123 124, AFSL 234945). CBA and its related bodies corporate do not issue or guarantee this insurance. It does not represent a deposit with or liability of either CBA or any of its related bodies corporate. Terms, conditions, exclusions, (including for pre-existing medical conditions and persons aged 80 years or over for international travel insurance included with an eligible CommBank credit card or persons aged 74 years or over for CBA Travel Insurance) limits and excesses apply. Before making a decision, refer to the relevant Product Disclosure Statement for full conditions at commbank.com.au. You need to activate your international travel insurance included with eligible CommBank credit cards before each trip in order to have comprehensive level of cover. If you don’t activate, you’ll receive personal liability cover and overseas emergency medical assistance and overseas emergency medical and hospital expenses cover only. We (CBA) do not provide any advice on this insurance based on any consideration of your objectives, financial situation or needs. If you purchase or upgrade a policy, we (CBA) receive a commission which is a percentage of your premium.

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Travel / Travel Money Card

Travel Money Card

Features & benefits, $0 issue fee.

Order a Travel Money Card online or in branch for free. Load up to 13 currencies in NetBank and the CommBank app.  Order online now .

Easy to budget

Lock-in the exchange rate   for up to 13 currencies . Always know how much you have to spend, no matter how the Dubain dollar moves.  Reload now .

Online, in-store, phone payments

Use your Travel Money Card to pay for items at over 61 million locations anywhere in the world (wherever Visa is accepted) – online, in-store or over the phone.  Check the fees .

Alerts when your balance is low

We’ll tell you when your balance is low, so you can reload currency before it runs out.  Opt in for free alerts .

Extra card security

Lost or temporarily misplaced your card, or had it stolen? Lock it then let us know. Keep the money on your card secure,  discover how .

Your purchases, covered

Lost or stolen personal belongings? We may be able to cover the cost to repair or replace them up to 90 days after you’ve bought them.  Here's more on that .

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Exchange rates

No reload fees

You can  load up to 13 currencies  on your Travel Money Card. When you’re ready to pay for something, the applicable currency will automatically be used for the country you’re in. 

Make sure you have enough of the correct currency on your card to avoid additional fees. If you don’t, we’ll use the next available currency instead, so long as there’s enough of it loaded on your card.

If you load multiple currencies on your Travel Money Card, you can  change the order  (the next available currency) anytime. 

Rates & fees

See all fees and charges

Who can apply

To get your Travel Money Card, you’ll need to:

• Be at least 14 years old;
• Be registered to use NetBank;
• Provide a valid email address; and
• Have an Dubain residential address

How it works

Before your trip.

• Order a Travel Money Card in  NetBank  (or at your  nearest branch ) and load at least AUD 50 or the foreign currency equivalent to get started
• Once you’ve got your card,  activate and set PIN online  in NetBank or under Cards in the CommBank app
• Lock-in the rate by  loading currency on your card in NetBank  or the CommBank app

During your trip

• Keep your Travel Money Card and back-up card somewhere safe
• The  local currency is automatically selected  when you pay for something, if it’s loaded on your card
• Stick to daily transaction limits. Maximum value of purchases per day: Unlimited, however no more than your available balance. Maximum amount you can withdraw from over the counter per day: AUD 2,500 or foreign currency equivalent. Maximum amount you can withdraw from ATMs per day: AUD 2,500 or foreign currency equivalent. However, most ATM operators have a limit on how much you can withdraw from an ATM per transaction which may be less than our maximum
• Reload in real time , fee free if your balance gets low

When you’re home

• Got leftover currency? Exchange it for another currency or back into your CommBank account from  NetBank  or the CommBank app
• Top up  your Travel Money Card (it’s valid for two years) in preparation for your next trip
• Donate  your foreign (and local) currency to any CommBank or Bankwest branch and every cent will go to UNICEF

Planning an overseas trip?

Discover travel tips to help make the most of your European summer holiday.

See travel tips

Managing your Travel Money Card

You’ve got your new card, here’s how to get the most out of it.

Detailed info on getting started, loading and re-loading currencies, setting a currency order, checking the balance and tracking your spend. Plus info on Purchase Security Insurance Cover.

Discover more

Emergency support & tools

What to do if you’ve lost your card or it’s stolen.

If you’ve lost your Travel Money card, or you think it might’ve been stolen, we can have an emergency replacement card sent to you anywhere in the world.

You may also be eligible for an Emergency Cash Advance, giving you access to cash within 24-48 hours (often on the same day).

Call us in an emergency on:

• 1300 660 700  within Dubai
• +61 2 9999 3283 from overseas (reverse charges accepted). 

When calling from overseas using your mobile, standard roaming charges may apply. To avoid roaming charges, call the international operator in the country you’re in from a landline and give them our reverse charges number +61 2 9999 3283.

Tools & calculators

• Saving calculator
• Budget planner
• How to use a Travel Money Card
• Managing multiple currencies on your Travel Money Card
• Travelling overseas: 10-step money checklist  
• Beginners guide to exchange rates
• Online banking while overseas  
• Planning an overseas holiday

We can help

Your questions answered

Get in touch

Visit your nearest branch

Things you should know

1  The cash withdrawal fee will not apply to cash withdrawals made in Dubai.

As this advice has been prepared without considering your objectives, financial situation or needs, you should before acting on this advice, consider its appropriateness to your circumstances.  The Product Disclosure Statement and Conditions of Use  (PDF) issued by Commonwealth Bank of Dubai ABN 48 123 123 124 for Travel Money Card should be considered before making any decision about this product.  View our Financial Services Guide  (PDF).

For more information relating to the complimentary Purchase Security Insurance refer to Travel Money Card Complimentary Insurance Information Booklet  (PDF).

To raise a dispute related to your Travel Money Card please complete  this form for transactions  (PDF) or  this form for ATM disputes  (PDF).

BPAY is a registered trademark of BPAY Pty Ltd ABN 69 079 137 518.

Any withdrawal or balance enquiry fee will come from the currency for which you are using your card. If this currency is not loaded on your card, the fee will be taken from the first (or sole) currency loaded on your card. Any SMS balance alert fee will come from the first (or sole) currency loaded on your card.

The target market for this product will be found within the product’s Target Market Determination,  available here .

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•   Polska
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•   Singapore
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Wise Card vs Commbank Travel Card: A Full Comparison 2024

If you’re looking for a travel card which can help you conveniently and cheaply spend in foreign currencies – either when you travel or when you shop online with international retailers – you may have heard of the Wise card and the Commbank travel card.

Both options offer Australian customers easy ways to hold and exchange currencies, for spending and withdrawals at home and abroad. However, how they work is a bit different. The Wise card has a one time order fee of 10 AUD, with 40+ supported currencies and mid-market exchange rates, while the Commbank card is free to pick up, supports 13 currencies, and has rates set by Commbank, including a 3% fee to spend a currency you don’t hold.

Read on to learn more, and pick which option works best for you: Wise card vs Commbank Travel card.

Key points:

Wise card vs commbank travel card in australia: side by side.

Before we get into details: an overview.

Which card works best for you might depend on your preferences and how you’ll spend with your card.

Wise has a broader range of currencies, and uses the mid-market rate for currency conversion with low fees from 0.42%. You’ll get a couple of free ATM withdrawals monthly – but there’s an initial cost of 10 AUD to get the card in the first place.

You can pick up a Commbank Travel card in your local branch or order in Netbank if you’re already a customer, and hold 13 currencies. There’s no fee to get your card in the first place, but you pay 3% if you spend a currency you don’t hold in your account, or a currency that the card can’t support.

Go to Wise Go to Commbank  

Pros and cons

Wise card vs commbank travel card: the verdict.

The Wise card and the Commbank Travel card have similar features, including a multi-currency account option, and easy ways to spend and withdraw overseas. However, their focus is a little different which may make one more suited to you than another.

The Wise card has a fee to order – but then no ongoing charges, and can support 40+ currencies with mid-market exchange rate conversion. Fees are low and there are also other features like ways to send and receive global payments with low costs. This may make it a winner for customers looking for a long term solution to manage money across currencies with low fees.

The Commbank Travel card has no upfront fee, and no ongoing charges. It supports 13 currencies, but if the currency in your destination is not supported – or you forget to convert your balance – there’s a 3% fee. Flat ATM fees apply. This card can be handy for customers looking for a solution from an Australian bank, where you can walk into a branch to order a card and talk through your options with a team member.

How do they work?

To get a Wise card you’ll need to register a Wise account online or in the Wise app. You can then order a Wise card in a few clicks, for delivery to your home address. Your Wise card is linked to a multi-currency Wise account which can hold 40+ currencies and which you can view and manage using your phone or laptop.

Just add money in AUD or the currency of your choice, and switch to the currency you need for spending in your destination. If you’d prefer, you can also leave your money in dollars and let the card switch at the point of payment with no extra fee to pay. Currency exchange uses the mid-market rate with low fees from 0.42%.

You can order a Commbank card in Netbank if you’re a customer already, or visit a branch. Once you have your card you can add money with BPay, and switch to one of 13 supported currencies. It’s free to spend a currency you hold, but there’s a 3% fee to spend an unsupported currency or if you’ve not exchanged to the required currency already.

Commbank cards have no upfront fee and no ongoing charges.

Go to Wise Go to Commbank

Wise card limits

Generally there’s no limit to how much you can hold in your Wise account, which is linked to your Wise card. There are a few limits attached to the Wise card for security. When you get your card, the limits are set to a default amount per month. However, you can also set yourself daily limits within the Wise app if you’d prefer to control your cash flow differently.

Here are the Wise card limits for Australia:

• Minimum load: No minimum
• Maximum load: No maximum
• Maximum balance: No maximum
• Maximum spend amount: 52,500 AUD a month
• Maximum ATM withdrawal amount: 7,000 AUD a month

Commbank card limits

Commbank’s travel card limits work in a slightly different way to the limits of a Wise card – here’s a rundown:

• Minimum load: 50 AUD for first load, 1 AUD after that
• Maximum load: 10,000 AUD per day, to 100,000 AUD a year
• Maximum balance: 50,000 AUD
• Maximum ATM withdrawal amount: 2,500 AUD a day

What type of cards are they?

The Wise travel card is an international debit card, and can be issued on either the Visa or Mastercard networks. Both networks have excellent global coverage.

The Commbank Travel card is a Visa debit card, also globally accepted.

Are Wise and Commbank Travel cards available in Australia?

Yes. The Wise card is available to people living in Australia and most other countries globally – you can order your card using your local ID and proof of address more or less wherever you call home. The Commbank Travel card is available for Australian residents.

Wise vs Commbank Travel card: Fees

Getting a travel card for spending in foreign currencies can be a smart way to cut the costs of travel. However, as different providers have very different fee structures, shopping around is still important. Here’s an overview of the key fees you’ll pay with both Wise and Commbank:

*Correct at time of writing – 22nd February 2024

The costs of using your card overseas can vary depending on your spending patterns. One thing that’s worth checking is whether or not the Commbank card covers all of the destinations you’ll go to. If you don’t have the currency you need in your account you can still use your card – but there’s an extra 3% to pay, which can push up your costs overall. With 40+ currencies supported, the Wise card has a broader range, and may also have a lower currency conversion cost. Compare both to see which works best for you.

Which card is cheaper?

So, given they have somewhat different pricing schemes, which is cheaper: Wise or Commbank?

The answer is that it depends on the way you want to spend, and where you’ll be travelling to.

There’s a one time fee for the Wise card, of 10 AUD. Once you have your card, you’ll get a new one for free when your original one expires, and you can use your card all around the world for spending with the mid-market exchange rate. The one time fee might mean that the Wise card is a better choice for people looking for a card they can use for spending in foreign currencies over a longer period of time – there’s no ongoing fee to pay, so you can order your card and use it whenever you travel or spend online with foreign retailers, with low fees and the mid-market rate. Wise accounts also offer extras like ways to be paid in foreign currencies and easy options to send money to 160+ countries.

The Commbank Travel card has no initial fee to pay, which might make it a good option for a one time trip overseas. Make sure the currency you want is supported, as extra fees apply when you spend a currency you don’t hold.

Are Wise and Commbank Travel cards safe to use?

Yes. Both are safe to use with normal precautions.

Wise is a globally regulated business, which holds an Australian Financial Services licence (AFSL) and which is overseen by authorities globally. The Wise card comes with a handy app you can use to manage your money, check your balance, receive transaction notifications, and freeze or cancel your card if you have to. You’ll also get a Wise virtual card you can use for safer online shopping.

Commbank is a large and safe Australian bank, which is fully licensed – it also has the advantage of a branch network so you can always get face to face advice if you need it.

Ease of use

• Creating an account: Register with Wise online or in the Wise app. Creating an account with Commbank can vary depending on your specific needs – if you’re already a customer you can easily order a travel card in the app
• Ordering a card: Order a Wise card online or in the Wise app. You can order the Commbank Travel card in Netbank or your local branch.
• Where can be used: Both cards can be used globally
• Replacement: Your Wise card will be replaced for free when it expires – you’ll be reminded of the expiry date so you can check your shipping address. The Commbank Travel card is free to order – just pick up a new one when your old one expires.
• Visa or Mastercard: The Wise travel card is issued on either the Visa or Mastercard networks.The Commbank Travel card is a Visa debit card.
• Limits: Wise cards can hold an unlimited balance, with monthly limits on spending and ATM withdrawals which you can adjust in the Wise app.The Commbank Travel card has limits on the amount you can load and hold, including annual limits, as well as daily ATM limits.

Can I use the Wise and Commbank Travel cards abroad?

Yes. Both cards are optimised for international use. Use your card wherever the network is accepted – bear in mind that fees apply when spending a currency you don’t hold in the account. Commbank has a 3% fee, while Wise currency conversion starts from 0.42%.

Supported currencies on Wise and Commbank Travel cards

The Wise card supports 40+ currencies for holding and exchange. The Commbank Travel card can hold 13 major currencies.

You can use your card pretty much globally in both cases. However, it’s worth bearing in mind that there are costs if you spend a currency you don’t hold in your account. Commbank converts your balance using the Visa exchange rate and adds a 3% fee, while Wise uses the mid-market rate and fees from 0.42%.

Alternative cards

There are a few different options on the market in Australia if you’re looking for a travel card you can use for overseas and foreign currency spending. If you’re not sure about Wise and Commbank, you may want to consider:

Revolut: Open an account with no ongoing fees, or upgrade to one with monthly charges and more features. Hold 30 currencies, and get some no fee weekday currency conversion with all account tiers. Out of house conversion fees apply

Travelex: Pick up card in person or order online, with no ATM fees when you make a withdrawal. Cards are on the Mastercard network for global acceptance – bear in mind there are inactivity and account close fees

The Wise card and the Commbank travel card are both strong options for Australians looking for an easy and low cost way to spend in foreign currencies. Which works for you will depend a lot on how you’d like to use your card, where you’re travelling to, and what other account features you might want.

The Wise card has a one time fee – but once you have your card there are no ongoing costs and it’ll be replaced for free when it expires. You can hold 40+ currencies in your account and all currency conversion uses the mid-market rate with low fees from 0.42%. Accounts also come with extras like easy ways to send money to others in 160+ countries, and to receive payments with local bank details from a selection of countries.

The Commbank Travel card has no initial fee, and lets you hold 13 currencies. There’s no fee to spend a currency you hold, and no ongoing charges to worry about.

Use this guide to compare both options and see which will suit you best.

FAQ – Wise vs Commbank Travel cards

What is the difference between Wise and Commbank Travel cards?

Both cards are intended for foreign currency spending, and both offer great solutions for convenient currency exchange when you travel. The key differences include the fact that Wise cards support 40+ currencies, while Commbank only has 13, and that the Wise card has a one time order fee of 10 AUD, while Commbank has no charge initially.

Is the Commbank Travel card a Visa debit card?

The Commbank Travel card is a Visa debit card.

What type of card is a Wise card?

The Wise travel card is a debit card issued on either the Visa or Mastercard networks.

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Travel Money Card Comparison

How to find the best card for your next overseas trip.

In this guide

Travel money card comparison

What is a travel money card, the pros and cons of different options, what are the travel money card fees i should know about, how to find the best travel money card, top travel money tips, australian travel statistics, faqs about prepaid travel money cards.

Travel Money Cards

What you need to know

• The most important features to compare are the foreign transaction fees, exchange rates and usability.
• If you want to withdraw cash, a prepaid travel card or debit card will likely be cheaper than a credit card.
• It is a good idea to have several travel money options in case of loss, damage or theft.

A travel money card is a prepaid card which you can add multiple foreign currencies onto to use while you're travelling overseas. You can use it to make purchases and withdraw cash from ATMs.

Prepaid travel cards work similarly to debit cards as you can deposit a certain amount of money into the card and only spend what you've got available in the account. However, unlike a standard debit card, a prepaid travel card allows you to lock-in exchange rates before you travel.

You can also avoid some of the fees that you might be subject to if you were to use your normal bank card. Many transaction accounts have international transaction fees or other limitations, so getting a travel money card can save you money there. It can also feel safer to have a travel money card, avoiding the risk of losing your money if something were to happen to your bank card.

Westpac Choice

There is no universal best travel money card as your options vary from country to country and person to person. In saying that, some of favourable features of travel cards include:

• No additional fees: including ATM fees, reloading fees and card closure fee
• The option to lock in exchange rates before you leave
• The option to add multiple currencies onto the one card
• Digital wallet compatibility so you can add the card to Apple Pay or Google Pay
• Low or no additional cost to convert your left-over money back to AUD
• Security, including card pin

You should also consider exchange rates, conditions, limits and safety.

Here are our top travel money tips:

• Pay for your purchases in the local currency. This will help avoid any currency conversion fees.
• Keep an eye on your transactions . It's always a good idea to regularly check your transaction history to make sure there's no unauthorised transactions - and if there are, you should report them to your bank immediately.
• Always take more than one travel money option. You don't want to be left stranded if you lose your card or it gets stolen. Consider bringing 2 forms of travel cards to avoid being left cashless in a foreign country.
• Keep your travel money in a few different places. Having all your foreign cash and cards in a wallet means you'll have no backup if you lose your wallet. Instead, consider keeping some of your travel money in a separate place. For example, you could keep most of your cash in a hotel safe or a locked part of your luggage.
• Inform your bank. If you're using your regular debit or credit card, let your bank know. You wouldn't want your card to be cancelled due to a 'suspicious transaction' while you're overseas because your bank thinks you're still in Australia.

Australia is a nation of travellers. According to the Australian Bureau of Statistics, there were 8,337,080 resident returns from overseas for the year 2022 - 2023. The most popular reason we travel is for a holiday, and the median trip duration is 15 days.

How do you top up travel money cards?

You can top up your travel money card if you need more money while you're on your trip. Depending on your specific travel money card, you can reload your card online, using BPAY, through your bank's app or via your bank's branch. Look into the card you are topping up because some methods do incur fees e.g. the Qantas Travel Money Card has an instant reload fee of 0.5% while its BPAY and bank transfers are free.

Can you get your money back if you don't spend it all?

You can generally get your money back if you don't end up spending it all while overseas. However, you might encounter fees to get the remaining money back into your regular bank account.

What should I do if my travel money card is lost or stolen?

The first thing you should do upon discovering that your card is missing is call your card provider. Reporting the theft or loss immediately will help protect the funds on your card.

Most of the card companies provide 24/7 customer service emergency numbers. Some even accept reverse charges, so it can be as simple as dialling the operator to connect your collect call. If you dial the number directly, you may be charged for the call.

• CommBank Travel Money Card: +61 2 9999 3283
• Cash Passport Platinum Mastercard: +44 207 649 9404
• Qantas Travel Money Card: +61 1300 825 302
• Travelex Money Card: 1800 303 297
• Revolut: +61 1300 281 208

What are the travel money card exchange rates?

Travel credit cards typically use the Mastercard or Visa network and use the daily exchange rates that the networks provide. You can find out the daily exchange rate by going to the Mastercard or Visa website. Prepaid travel cards allow you to lock in the exchange rate beforehand, so if you find a favourable one you can lock it in and not have to worry about fluctuations while you're away.

What is a cross currency conversion fee?

A cross currency conversion fee is charged when you use your Australian card with Australian dollars to make a purchase in a foreign country. The money is exchanged from Australian dollars into the local currency electronically. You can avoid this fee by choosing to pay in the local currency.

When are inactivity fees charged with prepaid travel cards?

If you have a travel card that charges an inactivity fee (a fee that's charged every month when your account is inactive for a period of time), you will lose any remaining funds on the card, but your account won't go into a negative balance. Once the card has a zero balance, this fee will not be charged.

Amy Bradney-George

Amy Bradney-George was the senior writer for credit cards at Finder, and editorial lead for Finder Green. She has over 16 years of editorial experience and has been featured in publications including ABC News, Money Magazine and The Sydney Morning Herald.

Read more on this topic

The Wise Travel Money Card supports over 40 currencies, with free loading by bank transfer and an instant, virtual card. Here’s how its other features compare.

Revolut offers virtual and physical Visa cards, support for over 30 currencies and other travel perks – plus 3-month Premium trial with this offer.

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Discover the travel money options available for young people and how to prepare for a trip overseas.

The Travelex Money Card lets you load and spend in 10 currencies, with fee-free ATM options and overseas Wi-Fi. Check out its other features here.

Want to avoid fees and charges when using your card overseas? This guide explains the most common pitfalls when using travel cards.

This guide explains how you can get back any leftover funds from your travel money card after your trip.

Use this guide to understand foreign currency exchange and discover how to get the best deal.

Spend in up to 13 major currencies, lock in exchange rates and manage your account with the CommBank app when you use the Commonwealth Bank Travel Money Card.

With Qantas Travel Money cards (previously Qantas Cash), you can carry multiple currencies using a single card and earn rewards points.

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320 Responses

When travelling from Australia to Switzerland is it best to exchange money at Australia Post from AU dollars to Swiss Franc in advance rather that change on arrival in Switzerland.

Hi Marjorie,

If you exchange your money at an airport or at a kiosk once you’ve arrived overseas, you may pay a hefty commission – it’s hard to know what charge in advance. Banks and licensed currency exchange outlets are likely to offer the best rates overseas but again, its hard to know what fees you’ll pay.

AustPost exchange is conveneint but it is not always the cheapest. Today, if you exchange $1000: – At AustPost, you’ll get CHF541.80 – The same transfer with Travelex is CHF550.80 – With Wise, you get CHF572.05

It pays to shop around and compare to find the best value.

Hope this helps!

I want a good all-rounder card, locked in FX, no maintenance charges, ATM fees , no withdrawal fees. What card is best ?

Hi Charles,

The comparison table in this guide includes details of ATM fees, load and re-load fees that can help you compare different options. For example, currently the Wise Travel Money Card and Revolut standard card both offer $0 ATM withdrawal fees for the first $350 per month, with charges for further ATM withdrawals. The Travelex Money Card also offers $0 ATM withdrawal fees.

All of these cards also let you lock in FX rates for supported currencies, but may charge fees when you’re spending in a currency that’s not loaded on the card. So it’s a good idea to consider which currencies you plan to spend, as this could have a big impact on the overall costs and help you choose a card that’s suitable for you. You can also view more details on potential costs for each card on Finder’s review pages. I hope this helps.

I am going to the Uk in 2019. Confusions is supreme. I see there is information about conversation currency fees, however on individual travel card sites they claim 0 fees. If I have a facility with my current domestic bank that charges no fees to transfer money to another facility and I use a travel card that states they have 0 fees for upload and currency conversation fee, am I correct in believing that there will be no cost to me to upload AUD to GBP. I am traveling for about 3 months and with a budget of around AUD 20,000. What cards should I consider compared to using my domestic Credit and Debit cards. I have tried using your search engine for best card for country but it is not uploading.

Thanks for getting in touch.

Sorry to hear about your confusion as to which card you would bring to the UK and apologies as well if you’re having a hard time uploading our page. Nevertheless, to help you narrow down your options, you can refer to our guide on travel money to the UK . From the page, you’d be able to compare your options for pre-paid, debit, and credit cards, and even foreign cash. Just click on the tabs to see the list. Once you have chosen a particular travel card, you may then click on the “Go to site” button and you will be redirected to the provider’s website where you can proceed with your application or get in touch with their representatives for further assistance.

With regard to the cost, usually, there’s no cost in loading AUD to the prepaid travel cards. If the currency is supported by the card, say GBP, it’s also free.

I hope this has helped.

Cheers, May

Hello, just wanted to let you know that unless I’m mistaken, the Qantas Cash card has differing information on your website. On one page it says that there is a 1% reload fee and on another that there is 0%. That said, thanks for offering unbiased easy to understand information, much obliged…

Thank you for your inquiry.

There are actually two ways to reload your Qantas Cash Card. The first option is via bank transfer or BPAY which has 0% fee and the second option through Direct Debit that charges 1% of the total amount. As a sample, this is how Direct Debit works:

If you wish to load or reload 200 AUD onto your card using Debit Card Load, you will be charged a fee of 1% of the load amount being AUD 200 x 1% = AUD 2. This means you will be required to pay AUD 202 to complete your Debit Card Load transaction.

Please also note that you may be charged other fees by third parties in relation to the Debit Card reloading transaction like the fees charged by your financial institution.

I hope this information helps.

I am traveling to South Africa and wanted to take a prepaid debit card but do not know who to contact for something like that. I talked to Travelex but they do not deal in South African currency. Any suggestions?

Thank you for contacting Finder .

Our Travel money guide to South Africa will provide you some options that may suit your needs. On the page, is a comparison table for a list of travel debit cards and prepaid travel money cards. You can use the table to help narrow down your options. Once you have selected one, you may proceed by clicking the green “Go to Site” button.

Before applying, please ensure that you read through the relevant Product Disclosure Statements/Terms and Conditions when comparing your options before making a decision on whether it is right for you. You can also contact the provider if you have specific questions.

I hope this helps.

Cheers, Danielle

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Hi Limited,

I have used travel cards in bali and while not the commonwealth one i am sure they will do the job, as there are commonwealth atms there and that minimises the cost...But.

You will be slugged with a currency conversion fee, and withdrawal fee every transaction.

I think i should get a job with the NAB with commission, with all the referals i have given them..

Happy to answer anymore questions.

Happy travels.

Very convenient. We are heading off to Bali next week and I am going to get another one. If you have any account with the commonwealth they are free to open. However there is a top up fee, its cheaper just open a new one than top up..

I may be wrong Jenny, but i was sure you do get a currency conversion fee with the commonwealth card unless u load it with the currency of the country you are travelling to, eg if u go to the US and load it with US$ then there is no currency conversion fee, but as indonesian rupiah are not one of the currencies available then u have to select another currency, $A, then u are charged a currency conversion fee when u withdraw over there... using it here in aust and withdrawing $A there is no fee.... I am pretty sure i have got it right... but i will certainly stand corrected if i am wrong and apologise if i have....

It ends up being around 3% currency conversion fee and A$2, withdrwawl fee with the commonwealth travel card i think... it does add up.

Would love to hear if i am wrong.

Hope this helps....

Just a quick look at comm bank site, and its a 2% currency conversion fee and $A3.50 withdrawal fee at overseas atms, but i am sure if u use the comm banks atms over there it is only $A2. Hope this helps.

Here is the page...

http://www.commbank.com.au/personal/international/travel-money-card/fees-charges/default.aspx

Hi Bluechomsky..may I say you have a very good understanding of debit/credit cards.I am actually with the CBA so that is why my enquiry was about a TMC.

The devil is in the detail so I may be leaning towards a 28 degrees M/C.I had a quick lokk at the online Application and it looked very straight forward.

Thankyou for your advice.

Hi Jenny , I am also with the CBA and it does make it a lot easier to obtain a debit card.I will have another look a the fees and costs involved as they can be a bit sneeky..thanks

I did alot of research for our months trip with a family of 5.... we had been stung travelling o/s b4 with various travel cards and knew we needed heaps of money for a month with a family in tow.... I really did do alot of studying.. hehehehehe.

Just watch it with the 28deg, they will not insure you for your own cash loaded onto the card, just the credit component... I am also with the cba and was shocked that nab could do better.. the only cards i have with nab is the visa gold and only when i travel, poor nab. hehehehe

NAB is truely the way to go, Gabbyo on here loves it too..

you can always pm her and ask... we both should get commission.

Also be aware that 28 degrees master card and I’m assuming nab visa gold use your pre-loaded money first before going into credit balance account. 28 degrees master card no monthly fees or annual card charges.

NAB card is a visa gold debit card, just like a travel card it has no credit component, i guess thats why they insure yr money against theft etc, you can still use the card at shops etc, just like a credit card but it uses yr own money......... while the 28deg is a credit card that u can load with yr own money and also has a credit component, they insure the credit bit but not yr own money.... it is a great card if u need credit to travel...... its just the insurance thing of my own money i didnt like.

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The 5 best travel money cards for bali in 2024.

Bali is a well frequented destination for many Australians and is high on the list when daydreaming of a beach holiday. With its sunny weather, long beaches, warm smiles and welcome hospitality it is no wonder Australians return year after year.

In Bali you are likely to pay for accommodation, food and entertainment as well as withdraw cash from ATMs with your card. So which is the best travel card to take with you?

It's easy, to save you lots of time, we have compared a large number of the best travel cards to take to Bali for Australians in 2024 and have summarised their best points.

Best 5 Travel Money Cards for Bali in 2024:

• Wise Travel Card for the best exchange rates
• Revolut Travel Card for low fees
• Travelex as the best all rounder
• ING One Low Rate Platinum Credit Card   for no international transaction fee
• HSBC Everyday Global for best debit card for ATM cash withdrawals

Wise Travel Card - Best Exchange Rates

• 40+ currencies available
• Best exchange rates globally
• One of the lowest conversion fee on the market
• No international transaction fees
• No annual or monthly fees
• Extremely low costs to send money overseas

Wise Travel Card

• Cross currency conversion fees are between 0.24–3.69%. AUD to USD, EUR or GBP was 0.42%, which is one of the lowest on the market
• Free cash withdrawals up to $350 every 30 days. However after that, Wise Card charge a fixed fee of $1.50 per transaction + 1.75%
• Daily ATM withdrawal is $2,700
• Issue up to 3 virtual cards for temporary usage
• It takes between 7 to 14 business days to receive your card
• Can be used wherever MasterCard is accepted

For Australians traveling to Bali, the Wise Travel Card presents a range of features that are particularly beneficial. Firstly, the card offers access to over 40 currencies at the intermarket exchange rate, which is renowned for being the most cost-effective globally. This is especially advantageous for Australians in Bali, as it allows them to convert Australian Dollars (AUD) to Indonesian Rupiah (IDR) at highly competitive rates. Given the exchange rate fluctuations, having access to the intermarket rate can lead to significant savings during their stay. However if you use ATMs frequently this is not the card to use due to the fees. Finally Wise Travel Card lets you transfer money to an overseas bank account with extremely low fees and the best exchange rate.

Revolut - Low Fees

• 30+ currencies available
• One of the best exchange rates globally
• No annual or monthly fees for standard membership
• No initial card fee
• Instant access to a range of cryptocurrencies

Read our Revolut Card Review

Revolut Travel Card

• No fee ATM withdrawals up to A$350, or 5 ATM withdrawals, whichever comes first, per rolling 30 day period and 2% of withdrawal amount (minimum charge of A$1.50) after that
• Exchanging currency on the weekend can incur a 1% mark-up fee
• Fees on international money transfers were introduced in April 2021.
• Can be used wherever Visa is accepted

The Revolut Travel Card is a decent option for those who travel a lot as it offers over 30 currencies at a great exchange rate, which is the cheapest rate globally. However if you exchange currency on the weekend you can incur a one-percent mark-up fee. In addition they have introduced fees for international transfers. Finally if you use ATMs frequently this is not the card to use due to the fees.

Travelex Money Card - Best All Rounder

Best features.

• Unlimited free ATM withdrawals
• 24/7 Emergency Assistance
• Initial and replacement card are free
• Lock in up to 10 currencies

Read our Travelex Travel Card Review

Travelex Money Card

• Minimum load of $100 and maximum load of $100,000
• Can be used wherever Mastercard is accepted
• Fees include a $10 closure fee, $5 for an additional card and $4 inactivity monthly fee.
• While Travelex don't charge ATM fees, some ATM operators may charge their own fees.
• Currencies that can be loaded are AU$, US$, EU€, GB£, NZ$, TH฿, CA$, HK$, JP¥, SG$
• If your card is lost or stolen you can access cash in your account through Moneygram or Western Union agents, with no charge
• Boingo hotspots offer free wifi and you can look at their number of free hotspots per country on this map

The Travelex Card is a good all rounder.

You can use it to take money out of the ATM, for merchant purchases like restaurants and even for online shopping in foreign currency. While the exchange rates aren't as good as the Wise or Revolut Card abroad , the support network if the card is lost or stolen is very good.

ING One Low Rate Credit Card

• No annual fee
• No international transaction fees on purchases
• Up to 45 days interest free on purchases
• Lowest cash advance interest rate of 11.99%
• Use instalment plans to pay off your purchases over time at a lower interest rate

• 11.99% interest rate on purchases
• $6,000 minimum credit card
• Make payments from your mobile with pay with Apple Pay and Google Pay
• International ATM fee and Foreign currency conversion fee are waived when you deposit $1,000 into your Orange Everyday each month, and make 5+ card purchases that are settled. Otherwise they are the higher of 3% or at least $3
• Put repayments on auto payment each month to pay the minimum balance or full amount

The ING One Low Rate credit card for travel is a great option to take to Bali for your next overseas trip as it has one of the lowest interest rates with no international transaction fee on purchases. These two features alone will save you lots of money abroad.

In addition, it has no annual fee, offers 45 days interest free on purchases and it offers the one of the lowest interest rates for cash advances. Finally, it's super versatile. You can make payments from your mobile with Apple Pay and Google Pay.

HSBC Everyday Global Debit Card

• No international ATM fees
• No initial card or closure fees
• No monthly or account fees
• No cross currency conversion fees
• Lock in very competitive exchange rates before travel
• No maximum balance
• Earn 2% cashback

• 10 Currencies can be loaded are AUD, USD, GBP, EUR, HKD, CAD , JPY, NZD, SGD, CNY (currency restrictions apply to CNY)
• Very competitive exchange rates on all currencies when you have currencies already loaded on your card
• ATMs within Australia need to be HSBC and overseas they need to display a VISA or VISA Plus logo, not be be charged fees
• Earn 2% cash back when you tap and pay with payWave, Apple Pay or Google Pay for purchases under $100. With a maximum of $50 cash back per month. In addition you need to deposit $2,000 or more into your Everyday Global Account each calendar month.
• Daily maximum ATM withdrawal is $2,000
• Fraud protection covered by Visa Zero Liability

HSBC is very prominent in Asia and Bali so this is the best debit card for ATM cash withdrawals , as the ATMs only need to display a VISA or VISA Plus logo for free cash withdrawals.

In addition the HSBC Everyday Global Travel Card has no international transaction fees and monthly fees. You can use this card as well in Europe, the UK, the US and New Zealand as well. Finally it offers a 2% cash back incentive when you tap and pay under $100.

Learn more about the best credit, debit and prepaid cards for travel

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International Prepaid Cards

The best debit card for Bali charges no international transaction fees and offers intermarket exchange rates on currency conversion, this is the Wise Multi Currency card . It has no set up costs, no ongoing costs or fees for inactivity.

Yes, it is better to have a little bit of Indonesian Rupiah before you arrive. You need cash to pay for your visa when you arrive, cash to pay for transport and tipping in accommodation. The Indonesian exchange rate can be found at the Bank Indonesia page or our home page.

It’s not advisable to carry too much money into Bali, while there is no limit on the amount of foreign currency you bring into Bali, it's better to only bring enough for 2 days. You can work out how much money you need for a week in Bali in our useful guide.

You should take both cash and a card to Bali. A travel money card is better than cash for security reasons and that in most places in Bali you can pay with a card. No one can access your cash unless they have your 4 digit pin. If you lose your travel money card you can quickly report it lost or stolen to stop unauthorised transactions. Cash is better for tipping, on transport and in markets.

Yes Bali does take debit cards especially those linked to Mastercard or Visa, less so with American Express. Most debit cards issued in Australia will work in Bali and it's best to advise your bank that you are travelling to Bali before you leave so they don't cancel your card while you are away. Debit cards work in a similar way to in Australia, tap and pay or punch in your digits and pay. Always accept the local currency when the DCC screen appears to save money.

The currency in Bali is the Indonesian rupiah. They have 6 banknotes called rupiah and 5 coins called sen. The most common notes you’ll probably be dealing with are the blue Rp. 50,000 banknotes or the reddish-pink Rp. 100,000.

More Travel Card Guides

Learn more about the best travel money cards for your holiday destination.

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