anz bank international travel card

Before you travel

What you need to know and do to make sure you can use your ANZ cards and accounts while you’re overseas.

Great reasons to travel with ANZ by your side

Use your anz cards overseas.

You can use your ANZ credit card or ANZ Visa Debit card – including Apple Pay — or Google Pay™ — – in most countries. A currency conversion charge of 1.3% applies to foreign transactions.

Use ATMs around the world

We don't charge our customers a fee for using overseas ATMs – however operators of overseas ATMs may charge their own fees. A currency conversion charge of 1.3% applies to foreign transactions.

Bank anywhere, anytime with our app

Keep on top of your regular banking, track your spending, block your card if it’s lost or stolen, and much more, using the ANZ goMoney mobile app — .

Check we have up-to-date contact details

Make sure we have a mobile phone number for you. If you’ll use a different phone while overseas, let us know your international number.

Your mobile number may be used for:

• Visa Secure for online purchases
• ANZ Fraud Check texts (if your mobile number is from a country other than New Zealand or Australia, we’ll send you an email instead. If we don’t have an email address for you, we’ll try to call you).

If you’ll use your New Zealand phone, you’ll need to use secure WiFi or switch on roaming for these services to work. Check with your phone company about roaming fees or packages.

You can check or update your phone number in ANZ Internet Banking or call us on 0800 269 296 . If you change your number in Internet Banking, remember to change your phone number back when you return.

Travel insurance

If you use your ANZ Airpoints Visa Platinum credit card to pay for at least half your pre-paid travel costs, you may be eligible for overseas travel insurance (terms apply).

Check your cards and bank details

Card expiry dates.

If your card will expire during your overseas travel, you can apply for an early reissue. To allow for delivery, it’s a good idea to apply three weeks before you leave New Zealand.

Check you know your PIN on any cards you want to use overseas. If you can’t remember your PIN, or don’t have a PIN, you may not be able to use it to pay or withdraw cash overseas. You can set or change a PIN in goMoney or Internet Banking under Manage Cards .

Banking access, including blocking your cards

Our goMoney app and Internet Banking can help you track your spending and manage your banking while overseas. Both include ANZ Card Manager — to instantly block or unblock your debit and credit cards, if your card is lost or stolen. In goMoney’s card settings, you can also turn off overseas in-person purchases and ATM withdrawals. 

Check you can access goMoney and Internet Banking. Make sure you have a unique, strong and secure password for Internet Banking that is not saved to your web browser. Secure your mobiles, devices and computers, as well as your goMoney app with unique, strong and secure passwords, PINs, or biometric identification. 

In case you need to call us from overseas, make sure you have Voice ID registered or a PIN set up for ANZ Phone Banking — .

Organise your travel money

To help make sure you have back-up options, you may want to travel with several payment options, like a mix of cash, debit and credit cards. Remember you can set up Apple Pay — or Google Pay™ — if you have a compatible device.

For extra protection while you're travelling, you can also temporarily block your spare debit or credit card in goMoney or Internet Banking until you need it.

Help and support

Important information.

Our  financial advice provider statement  has some important information you should know about ANZ and our financial advice services. Please take the time to read it.

Our eligibility, lending criteria and terms apply. Fees are subject to change. Non-standard fees may apply, including currency conversion for overseas transactions. Please use the following links for full details of our  Terms and Conditions ,  Fees and Charges (PDF 166KB) ,  ANZ EFTPOS card and ANZ Visa Debit card Conditions of Use (PDF 126KB) , and  Electronic Banking Conditions (PDF 138KB) .

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Travel money cards with the lowest fees

We look at seven travel money cards from the big banks and airlines..

Prepaid travel money cards are offered by major banks, airlines and foreign exchange retailers like Travelex. Before travelling overseas, you load money into the card account, which locks in the exchange rate for foreign currencies at that time. 

You can then use the card for purchases and cash withdrawals just like a debit or credit card, usually wherever Visa and Mastercard are accepted. 

You can reload money on-the-go via an app or website, and if the card is lost or stolen, it can be replaced (usually at no cost to you).

Prepaid travel money cards also give you assurance that you're not handing the details of your everyday banking account to merchants you're not familiar with, and they provide easy access to cash when you want some, says Peter Marshall, head of research at money comparison website Mozo .

CHOICE tip: Travel money cards are best for longer trips. They're usually not worth your while if you're only taking a short trip, as some have closure, cash out and inactivity fees.

Travel money card fees

A major difference between prepaid travel cards and debit or credit cards is their fees. Some costs aren't immediately apparent, such as hefty margins built into the exchange rates.

And although fees have come down since we looked at these cards two years ago, you still need to watch out for:

• fees to load the card – either a percentage of the total or a flat fee
• ATM withdrawal fees
• a cross currency fee or margin when you use the card in a currency you haven't preloaded
• further fees if you close the account or haven't used the card for a period of time.

Travel money card with the lowest fees and best exchange rate

Westpac worldwide wallet.

Westpac closed its Global Currency Card in July 2021 and offers its new card in partnership with Mastercard.  It's also available from Bank of Melbourne and BankSA.

Currencies: AUD, USD, NZD, EUR, GBP, SGD, THB, JPY, HKD, CAD, ZAR.

Key features:

• No loading, reloading, closing or inactivity fees.
• Free to use it in network ATMs in Australia and partner ATMs overseas in a range of countries including the UK, US and New Zealand.
• A charge applies at non-Westpac and non-partner ATMs in Australia and overseas.
• Best exchange rates for the US dollar, the Euro and GBP in our comparison.*
• The only card that lets you preload the South African rand.

Other travel money cards

Next to the Westpac Worldwide Wallet, there are six other travel money cards available.

Australia Post Travel Platinum Mastercard

Available online or at post offices.

Currencies : AUD, USD, NZD, EUR, GBP, SGD, THB, JPY, HKD, CAD, AED.

• Fee to reload the card via BPay, debit card or instore, but free via online bank transfer.
• Closure fee.
• Fees for ATM withdrawals in Australia and overseas.

Cash Passport Platinum Mastercard

It's issued by Heritage Bank and is available online and from a number of smaller banks and credit unions (like Bendigo Bank and Bank of Queensland) as well as travel agents. 

• Fee to reload with a debit card or instore, but free via BPay.

CommBank Travel Money Card

CommBank Travel Money Card (Visa)

As NAB and ANZ have closed their travel money cards, this is the only other travel money card available from a major bank. This card has the largest variety of currencies that can be preloaded.

Currencies : AUD, USD, NZD, EUR, GBP, SGD, THB, JPY, HKD, CAD, AED, VND, CNY.

• Fee if you make a purchase with currencies not preloaded.
• Fee for withdrawals at overseas ATMs.

Qantas Travel Money Card

Qantas Travel Money Card (Mastercard)

The only travel money card offering from an airline. It can be added as a feature to your Qantas Frequent Flyer card, so you don't need a dedicated card, and you can earn points using it.

• Free to reload via bank transfer or BPay, but there's a reload fee if using debit card.

Travelex Money Card

Travelex Money Card (Mastercard)

Travelex is an international foreign exchange retailer. In Australia, it operates more than 140 stores at major airports and shopping centres, across CBDs and in the suburbs. It was the card with the best exchange rate for New Zealand dollars.*

Currencies : AUD, USD, NZD, EUR, GBP, SGD, THB, JPY, HKD, CAD.

Fees : 

• Load fee instore, but free via Travelex website or app.
• Reload fee instore or via BPay, but free via Travelex website or app.
• Closure fee and monthly inactivity fee (if not used for 12 months).

Travel Money Oz Currency Pass

Travel Money Oz Currency Pass (Mastercard)

The Travel Money Group is owned by Flight Centre and is a foreign exchange retailer. 

• Reloading the card via an online bank transfer or instore is free, but there's a fee if you reload via BPay, debit card or credit card. 
• Cash out (closure) fee. 

Travel money card tips

• Make sure the card allows the currencies you'll need, and also consider stopovers. For example, the South African rand is only supported by the Westpac card.
• Try to load your card with the right currencies and amounts on days with good exchange rates. 
• Make sure you know how to reload your card if you run out of funds while overseas.
• It may be more convenient to choose a card that has an app that can be linked to your bank account.
• Avoid loading more money than you'll need as there may be fees and exchange rate margins to get the unused money back.
• Remember to cancel the card once you're finished your trip, especially if it has inactivity fees.
• Be mindful that you still may need a credit card, as travel money cards may not be accepted as security for hotels and car rental agencies. 

Stock images:  Getty, unless otherwise stated.

Join the conversation

To share your thoughts or ask a question, visit the CHOICE Community forum.

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Overseas travel

What do I need to do before I travel overseas?

If you have overseas travel planned, there are several things ANZ can help with:

• How to qualify for travel insurance
• If you are planning to make any transfers via ANZ Internet Banking or ANZ goMoney while away and will not have access to international cell phone coverage, you may wish to apply for a temporary OnlineCode exemption

Secure email via Internet Banking

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International Money Transfer

Sending money overseas is fast, easy and secure with an ANZ International Money Transfer.

Transfer now  

Features and benefits

• How to send an international money transfer

ANZ Transfer Fees

• Correspondent Fees

Foreign Exchange Calculator

Sending money overseas to your friends and family just got easier.

You can now send money in over 30 currencies and to over 250 countries through Internet Banking. To find out more visit the  Foreign Exchange Calculator .

ANZ International Money Transfers. Fast, easy and secure.

Ready to make an international money transfer?

Sending money overseas?

Some say sending an international money transfer is hard. At ANZ, we make sending money overseas easy!

Watch the video to see how you can send money overseas with confidence, or skip directly to:

Why should you use ANZ

How to send an ANZ International Money Transfer

Safe and reliable.

Send money overseas via ANZ Internet Banking and you'll get peace of mind with our   ANZ Fraud Money Back Guarantee disclaimer and the  ANZ Shield app .

Quick and easy

Transfer your money overseas the quick and easy way from your ANZ account to family, friends or business, with funds received usually within two business days or earlier!

Send it with confidence

Send in over 30 currencies and to over 250 countries around the world, with competitive foreign exchange rates and a lower ANZ transfer fee if you send a foreign currency international money transfer from an AUD account. We make sending money overseas simple. 

$0 correspondent bank fees disclaimer

ANZ will cover the correspondent bank fee for transfers sent in a foreign currency via ANZ Internet Banking and ANZ Phone Banking for selected currencies/countries. disclaimer

We have waived the ANZ transfer fee for those doing it tough overseas disclaimer

To help you support friends and family impacted by recent events overseas, we have waived the ANZ transfer fee for international money transfers to Sri Lanka and Ukraine when sent via ANZ Internet Banking and ANZ Phone Banking.

Offer is effective immediately until further notice.

ANZ Internet Banking

Look for 'International Services' in the 'Payments' menu. Select 'Transfer funds overseas'. You can use your ANZ transaction account or ANZ credit card. disclaimer Add our ANZ Shield security app for extra security and access to higher payment limits, available 24/7. disclaimer

ANZ Phone Banking

Use your ANZ transaction account by calling 1800 352 535  in Australia (Monday to Friday 8.00am to 7.30pm AEST).

Not an ANZ customer? Find out how to apply for an ANZ account .

International money transfer FAQs

What details do i need.

You'll need to be an ANZ customer to send an ANZ International Money Transfer. You'll also need to tell us the following:

• Currency and amount you'd like to send
• Full name, address and account number of the person you're sending the money to
• Destination country, full bank name, address and SWIFT code/BIC ( Bank Identifier Code) or Branch Number ( some countries accept this) of the beneficiary's (payee's) bank
• IBAN (for payments to Europe and selected other countries) or Routing Number ( for payments to the US)

What if my country doesn't appear in the drop down list?

International money transfers can be sent to specified countries only. For ANZ Phone Banking and ANZ Internet Banking you can view the list of destination countries and currencies for international money transfers on our ANZ FX Calculator . Alternatively for ANZ Internet Banking, you can view the list of destination countries, when you set up a new payee in ANZ Internet Banking.

For ANZ Phone Banking or if you wish to transfer funds to a country not shown in the list of destination countries in ANZ Internet Banking, please call the International Support Centre on 1800 681 683  or  +61 03 8565 7229 .

How much can I transfer overseas?

For ANZ Internet Banking, To help keep your accounts secure, the payment limits to an international payee can be set between $1,000 and up to $10,000 per day. 

To change your limit in Internet Banking, simply go to Payments and Change my Pay Anyone limit then follow the prompts.

To send up to $25,000 you will need ANZ Shield:

To make higher value payments up to $25,000 using ANZ Internet Banking, you will need ANZ Shield app. This will also add an extra layer of protection when sending payments via ANZ Internet Banking. To find out more visit ANZ Shield .

For ANZ Internet Banking for Business, the maximum daily amount that can be transferred overseas is $150,000 even if the daily limit amount assigned to your profile is higher than this.

For ANZ Phone Banking, there is no transaction limit on payments/transfers from your account. International money transfers cannot be made from a credit card via ANZ Phone Banking.

How do I know if my payment is successful?

For ANZ  Internet Banking, whenever you confirm a payment/transfer you'll receive a lodgement number and a receipt number. The receipt number confirms that the payment/transfer has been submitted.

You can check the status and the receipt number via View past Payments/Transfers from the Payments menu. For unsuccessful payments/transfers, the status will show as failed. You can also check the details of the payment/transfer to find the reason of the failure.

Find out more about  Past payments/transfers

Please note that delays, interruptions or failures may occur (this might be outside ANZ’s control): it is your responsibility to check your account statement for transaction details.

For ANZ Phone Banking, please call the International Support Centre on 1800 681 683  or +61 03 8565 7229 .

How do I receive money from overseas?

To receive an international money transfer, you'll need to provide the sender with:

• Your ANZ branch name and address
• Your account name and full account number
• The ANZ SWIFT code, which is  ANZBAU3M

If you have any questions about ANZ International Money Transfers, or if you need help through the process, contact our dedicated International Support Centre on 1800 681 683 or +61 3 8565 7229 if you're outside Australia (call costs apply), weekdays 8am – 5pm AEDT/AEST. ANZ Branches can assist you by providing access to our dedicated ANZ Phone Banking team for processing your ANZ International Money Transfer Request Form (PDF) .

You can also refer to our FAQs , use our foreign exchange calculator or check today's currency exchange rates.

1800 352 535  (International callers +613 9683 9999 ) 8am - 7:30pm AEST, Monday to Friday (excluding national holidays)

Transactions less than $10,000 (AUD equivalent)

Payments to Cook Islands, Fiji, French Polynesia, Guam, Kiribati, New Caledonia, Papua New Guinea, Samoa, Solomon Islands, Timor Leste, Tonga and Vanuatu:  

Payments to all other countries:

$9 if sent in foreign currency from an AUD account

$32 if sent in AUD from an AUD account

$32 if sent from a foreign currency account

Transactions $10,000 and over (AUD equivalent)

$0 if sent in foreign currency from an AUD account

$7 if sent in AUD from an AUD account

$7 if sent from a foreign currency account

Payments to Cook Islands, Fiji, French Polynesia, Kiribati disclaimer , New Caledonia, Papua New Guinea, Samoa, Solomon Islands, Timor Leste, Tonga and Vanuatu:  

$0 if sent in a foreign currency from an AUD account

$18 if sent in AUD from an AUD account

ANZ Markets

If your company makes foreign currency payments of $250,000 p.a. (AUD equivalent) and over and you would like to manage your foreign exchange risk, please contact ANZ Markets on 1800 640 574  in Australia (Monday to Friday 8am to 6:30pm AEST).

Call 1800 640 574

Correspondent bank fees

ANZ processes International Money Transfers through its worldwide network of correspondent banks. Correspondent banks may charge additional fees and will generally deduct these fees from the total value of the payment. For certain currencies and countries, ANZ will cover the correspondent bank fee for International Money Transfers via ANZ Internet Banking and ANZ Phone Banking.

To help you better understand the range of correspondent bank fees that could apply to certain International Money Transfers, ANZ has put together some reference guides. Please view the reference guides below.

$0 Correspondent bank fee for selected countries

ANZ will cover the correspondent bank fees for the following payments via ANZ Internet Banking and ANZ Phone Banking from Australia.

The correspondent bank fees set out above are indicative only. No reliance should be placed on these fees in determining the total cost for sending an international payment. These fees may change at any time without notice and are subject to a number of factors including the value of the international payment made and whether the payment is sent in the local currency of the destination country. At your request, ANZ will use best endeavours to obtain, within ten working days, details of the fees you were charged by the correspondent and/or intermediary bank that was used to send your payment. ANZ recommends that you read your relevant account terms and conditions and the International Money Transfer Terms and Conditions (where you use Internet Banking, Internet Banking for Business or Phone Banking).

Use the ANZ foreign exchange calculator, an enhanced currency converter, to view today's FX rates, convert currencies and any likely fee(s) associated with your transaction.

Start calculating

Important information

Any advice does not take into account your personal needs and financial circumstances and you should consider whether it is appropriate for you. ANZ recommends that you read the International Money Transfer Terms and Conditions which are available at anz.com or by calling  13 13 14 , before deciding whether to acquire, or continue to hold, a product. Fees, charges and eligibility criteria apply.

Terms and conditions apply. Please refer to  Bank account protection .

Other fees and charges apply, including ANZ transfer fee. Additional fees, charges and interest may apply if using an ANZ Credit Card for an ANZ International Money Transfer.

Selected currencies/countries

• USD to all countries
• GBP to United Kingdom
• NZD to New Zealand
• INR to India
• EUR to all countries
• Selected currencies/countries to the Pacific

Additional fees, charges and interest may apply if using an ANZ Credit Card for an ANZ International Money Transfer. A correspondent bank may also charge a fee when making the payment to the beneficiary’s account and the beneficiary's bank may charge the beneficiary fee(s) for receipt of the payment.

Daily International Money Transfer limits for ANZ Internet Banking and Internet Banking for Business are the same as your  Pay Anyone limits . No daily International Money Transfer limit applies if using ANZ Phone Banking.

$0 ANZ transfer fee if sent in AUD from an AUD account to Kiribati (Internet Banking only).

International Money Transfer Payment Enquiries

1800 681 683

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