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Travelling overseas checklist

Let us know when and where you’re going

Always let us know when you’re travelling overseas and intend to use your credit card. We'll record your travel details and monitor the security of your credit cards while you're away.

You can call us on:

If you’re unable to access your Australian mobile number but you have a temporary overseas mobile number, let us know by calling the number on the back of your card.

Our Westpac Added Online Security Service protects you when you’re shopping online and you may need to receive a ‘One Time Password’ via SMS in order to verify your online transaction. This SMS can be received using your temporary overseas mobile number. 

Keeping transactions safe and secure

Westpac credit cards are protected by CardShield™, which includes fraud detection, Online Protection and CHIP security features. Where possible, use a PIN instead of your signature to verify credit card purchases.

Our Westpac Added Online Security Service also protects you when you’re shopping online with participating online retailers. Make sure you keep your mobile phone number and email address up to date. 

Save on fees with our Global ATM Alliance Network

You can use your credit card to make purchases or withdraw cash at eligible ATMs while you are overseas.
There’s over 50,000 Global Alliance ATMs to keep you going. If you need to take out cash from your credit card account (known as a cash advance) whilst overseas, you will pay no ATM withdrawal fees at Westpac’s Global ATM Alliance partners, including Barclays, Deutsche, Bank of America and more. Other fees and charges apply to cash advance transactions.


Be aware though that the following fees and charges are charged when withdrawing cash from ATMs overseas:

  • Westpac will charge you a $5 fee in local currency when you withdraw money using your HandyCard or Debit Mastercard from ATM's not part of our Global ATM Alliance. However, checking your account balance is free and account balances will be displayed in local currency.
  • Some overseas banks may apply an additional fee for ATM withdrawals. This should be brought to your attention before you proceed, however we cannot guarantee this. The fee can be avoided by using one of our Global ATM Alliance partner ATMs.


A Foreign Transaction Fee is payable as a percentage of the Australian dollar value of any Foreign Transaction.


The percentage will vary depending on the applicable credit card scheme:

(1) Transactions in foreign currency

  • Visa and Mastercard®: 3.0%

(2) Transactions in Australian dollars and the merchant or financial institution accepting the card is
located overseas:

  • Visa and Mastercard: 3.0%

Check your card expiry date

Make sure your credit card isn’t due to expire while you’re overseas. If your card will expire while you’re away, give us a callbefore you leave. 

Check your Complimentary Insurance

Depending on the type of credit card you have, you may be covered by Complimentary International Travel Insurance*. However, it’s important you find out first if you are eligible and if you are, what you’re covered for:

Westpac Business Credit Cards Complimentary Insurance Policy (PDF 349KB)

Depending on your destinations and time away, this cover may not fully meet your needs.

Make sure you know how to contact us in an emergency

For lost or stolen cards:


Please note that calls made from mobile phones or hotel rooms may attract additional charges.

Things you should know
*  Complimentary insurance covers: AWP Australia Pty Ltd ABN 52 097 227 177 AFSL 245631, trading as Allianz Global Assistance (AGA), under a binder from the insurer, Allianz Australia Insurance Limited ABN 15 000 122 850 AFSL 234708 (Allianz), has issued an insurance group policy to Westpac Banking Corporation ABN 33 007 457 141 AFSL and Australian credit licence 233714 (Westpac) which allows eligible persons to claim under it as third party beneficiaries. Access to the benefit of cover under the Credit Card Complimentary Insurance is provided to eligible Westpac cardholders by operation of s48 of the Insurance Contracts Act 1984 (Cth). If an eligible persons wishes to claim any of these benefits, they will be bound by the eligibility criteria, terms, conditions, limits and exclusions contained in the  Westpac Business Credit Cards Complimentary Insurance Policy (PDF 349KB) /   Commercial Cards Insurance Policy (PDF 160KB) which may be amended from time to time. This insurance is underwritten by Allianz. Westpac does not guarantee this insurance. This information does not take your personal objectives, circumstances or needs into account. Consider its appropriateness to these factors before acting on it.

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