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Travelling overseas checklist

Let us know when and where you’re going

It's a good idea to let us know when and where you're heading overseas and intend using your credit card. We'll record your travel details and monitor the security of your credit cards while you're away.


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 call before you leave. 

Check your complimentary insurance

Depending on the type of credit card you have, you may be covered by complimentary overseas 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 824KB)

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) under a binder from the insurer, Allianz Australia Insurance Limited ABN 15 000 122 850 AFSL 234708 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 Westpac cardholders to claim under it as third party beneficiaries. Any advice on insurance is general advice only and not based on any consideration of your objectives, financial situation or needs. The terms, conditions, limits and exclusions of the group policy are set out in the Westpac Business Credit Cards Complimentary Insurance Policy (PDF 824KB) /   Commercial Cards Insurance Policy (PDF 1MB) which may be amended from time to time. Westpac does not guarantee this insurance.

Mastercard is a registered trademark, and the circles design is a trademark of Mastercard International Incorporated.