Accessing money overseas

FACT - there is no cash withdrawal fee at overseas ATMs that are part of our Global Alliance ATM network.  Use the Global locator in Westpac's Mobile Banking app for quick and handy access while overseas.


Things to keep in mind:

  • A Westpac Debit MasterCard® lets you access your own money to make purchases, wherever MasterCard is accepted. You can also use your Debit MasterCard or Handycard to withdraw local currency from selected ATMs.
  • Non Global Alliance ATMs will likely charge a fee, although you can typically press 'Yes' on the ATM screen to go ahead with the transaction, or 'no' to stop it from proceeding
  • Have some foreign cash to make it easier to pay for incidental expenses like taxi fares, tips or a quick meal
  • Access your transaction and savings accounts to withdraw foreign currency at any overseas ATM that displays the Cirrus logo, although a foreign-currency transaction fee will apply, incorporated into your total transaction amount in Australian dollars
  • The international daily limit for electronic withdrawals is A$1000 which applies to both your Handycard and Westpac Debit MasterCard. This limit applies to ATM and EFTPOS transactions, during a 24 hour period (starting midnight).
    This limit can be adjusted to a maximum of $2,000 by visiting a Westpac branch or calling Telephone Banking on 132 032.

Travelling to Europe or the United Kingdom (UK)

  • Use your MasterCard or Visa Card to access a credit account
  • Use your Handycard or Debit MasterCard if you'd like to access a savings or transaction account (as Visa and MasterCard credit cards linked to these accounts won't work)
  • Link your account to the 'Savings' option and consider carrying a second Handycard, as ATMs in Europe and the UK don't recognise accounts linked to 'Cheque'.

If travelling outside Europe ...

  • Use your Handycard, or linked Debit MasterCard to access a savings or transaction account
  • Use your MasterCard or Visa Card to access a credit account
  • 'Savings' in Australia means 'Debit' on most foreign ATMs.


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    Travelling overseas?

    Sign in to Online Banking to notify us so we can monitor the security of your accounts.

  • Not registered for Online Banking?

    Call to notify us that you are travelling overseas


    1300 651 089

Things you should know
  • MasterCard® and PayPass™ are trademarks of MasterCard International incorporated.