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Worldwide Wallet FAQs

To apply for a Westpac Worldwide Wallet, you must be aged 14 years or older and be an existing Westpac customer who is registered for Online Banking. If you haven’t registered for Online Banking, see this helpful guide to learn how to get started. If you’re new to Westpac and would like to apply for a Worldwide Wallet, you’ll need to become a customer first by opening a Westpac savings or transaction account and meeting our identification requirements. You can visit westpac.com.au/aml for more information on how we identify you. 

No, your Worldwide Wallet is a Mastercard prepaid card, so you’ll need to load money onto your account before you can use it. When you make a purchase or get cash out from an ATM, the amount is deducted from your available balance. As you can only spend what you have loaded onto your account, the Worldwide Wallet can help make it easier to be in control of your money.  

You can load AUD into your Worldwide Wallet account instantly by transferring from your transaction or savings account in Online Banking or the Westpac App. 

You can also transfer AUD from another financial institution by using your Worldwide Wallet’s BSB and account number. Please note, funds availability is dependent on the other financial institution’s cut off and processing times. We will make your funds available in your account within 1 Business Day from the time we receive instruction from the other financial institution. We are not responsible for processing interruptions or delays beyond our control.

If another Westpac account holder transfers funds to your Worldwide Wallet, the funds will be available in your account within 1 Business Day from when the owner of the eligible Westpac account receives confirmation that the transfer has been processed.

No, only AUD can be transferred onto your account. Once you have loaded AUD, you can choose to convert your funds at any time into any of the following foreign currencies: USD, EUR, GBP, CAD, JPY, THB, ZAR, NZD, SGD and HKD.

We recommend you download our app as we may send you important notifications about your Worldwide Wallet while you are travelling. Using the Westpac App makes it easy for you to get these notifications while you’re on the go. You can also use the app to:

  • Instantly transfer AUD between your savings and transaction Westpac account/s and your travel money card
  • Convert between your loaded AUD and up to 10 different foreign currencies at any time to lock in your exchange rate
  • View your currency balances and transactions
  • Access your Worldwide Wallet account’s BSB and account number as well as your eStatements
  • Block your card/s if they have been lost or stolen

If you’re new to the Westpac App, learn more about how to get started.

Yes, you can withdraw money or check your balance at overseas ATMs using your Worldwide Wallet. The balance displayed will be in the currency of the country you are visiting. You won’t pay an ATM withdrawal fee when using a Global ATM Alliance ATM.However, fees may apply if you use an ATM outside of the Global ATM Alliance network.

If you have insufficient funds to complete a transaction in a currency loaded on your account, or the transaction is in a currency not loaded on your account, the transaction will be automatically processed by drawing down from another currency in your account (provided that there are sufficient funds available in one or more other currencies to complete the transaction). Funds will be withdrawn according to the drawdown sequence, and the applicable exchange rate will apply. See the Product Disclosure Statement (PDF 222KB) for the drawdown sequence.  

You won’t be charged any ATM withdrawal fees or balance enquiry fees when you use a Westpac, St.George, Bank of Melbourne or BankSA ATM in Australia or a Global ATM Alliance ATM overseas.1 Visit westpac.com.au/locateus/ or use the ATM locator in our Mobile Banking app to find your nearest Westpac Group or Global ATM Alliance ATM.

If you use a non-Westpac Group ATM in Australia or non-Global ATM Alliance ATM overseas, ATM fees will apply. You can find out about the fees charged at the time of transaction on the ATMs.

If you have insufficient funds to complete a transaction in a currency loaded on your account, or the transaction is in a currency not loaded on your account, the transaction will be automatically processed by drawing down from another currency in your account (provided that there are sufficient funds available in one or more other currencies to complete the transaction). Funds will be withdrawn according to the drawdown sequence, and the applicable exchange rate will apply. See the Product Disclosure Statement (PDF 222KB) for the drawdown sequence.  

Yes, you can tap your card or use your Worldwide Wallet in your Samsung Pay™ or Google Pay™ to pay at any terminal that accepts contactless Mastercard payments. You can also choose to swipe your card when making instore purchases wherever Mastercard is accepted. 

At this time, the Worldwide Wallet cannot be added to Apple Pay.

Mastercard Flight Delay Pass is a service that offers you and companion complimentary access to over 1,000 airport lounges2 in the event of a flight delay of two hours or more. You will need to register your flight at least six hours before travelling. If you are under 18 years old, you must be accompanied by an adult (18 years of age and older) to enter participating lounges. Please note to hold a Worldwide Wallet you must also be 14 years or over. Other terms and conditions apply. To learn more about Flight Delay Pass, pre-register your flight or read the T&Cs, please visit flightdelaypass.mastercard.com/worldwidewallet.

Yes, the service is available to the main passenger (cardholder) and a (one) travel companion on the same flight. If you are under 18 years old, you must be accompanied by an adult (18 years of age and older) to enter participating lounges. Other terms and conditions apply.

If you need assistance to activate your card, change your PIN, enquire about your account statements or report a lost or stolen card, you can call the Customer Assistance team, 24 hours a day, 7 days a week: Within Australia: 1300 797 470 Outside Australia: +61 2 9155 7744 

If your card has been lost or stolen, you’ll need to notify us immediately to cancel your card. You can contact us 24 hours a day, 7 days a week on these numbers: 1300 797 470 (within Australia) +61 2 9155 7744 (from overseas)

If you’ve misplaced your card(s), you can lock and unlock your card(s) instantly at your convenience through the Westpac App or in Online Banking.

The good news is if you have your spare card handy, you can continue to use it to access your funds. When travelling, it’s a good idea to keep your cards separate, in case one is lost or stolen.

If you need to dispute a transaction, please download a Worldwide Wallet Dispute Claim Form (PDF 663KB) and follow the instructions to lodge your dispute. Should you require any guidance, please contact the Customer Assistance team on 1300 797 470 (within Australia) or +61 2 9155 7744 (from overseas). You can speak to someone 24 hours a day, 7 days a week.

If you have funds loaded onto your card and you’ve used your account in the last 12 months to spend or make a balance enquiry or a withdrawal via an ATM on an account with loaded funds, your card will be automatically renewed prior to expiry, provided the card is not in any of the following of statuses at the time of renewal: Hold/Suspend, Potential Fraud, Fraud, Lost, Stolen, Replaced or Closed.

We’ll send you a new card approximately 90 days before your current card is due to expire. 

Your contact details, including your correct mailing address, must be kept up-to-date in Online Banking so we can send you your new card. After activating your new card, you will be able to access the funds in your Worldwide Wallet account.

Once your card expires, you will no longer be able to use it for purchases or cash withdrawals.

You’ll be able to view and download your monthly eStatements via Online Banking or the Westpac App. After signing in and selecting your Worldwide Wallet account, select ‘Statements’. You will be able to access up to 13 months of your Worldwide Wallet statement history online.  Please note you may not be issued with a statement if you have closed your Worldwide Wallet account or you do not have any transactions during the statement period and/or have a zero balance.

As there are no inactivity fees, you can leave any leftover funds on your card ready for your next trip. You can also use your travel money card when you’re back in Australia. You can use it to:

  • Shop online on international sites and pay zero foreign transaction fees on purchases
  • Shop online on Australian sites or in-store in Australia
  • Withdraw cash (in AUD or converted from any foreign currency you may have in your account) from any Westpac Group ATM or Global ATM Alliance partner ATM without having to pay any ATM withdrawal fees1

Alternatively, you can transfer funds out of your travel money card account in AUD in Online Banking or the Westpac App. For example, if you have USD in your account, you’ll need to first convert the USD to AUD before you can transfer your funds. Once your account balance is in AUD, you can then transfer your available balance to one of your Westpac savings or transaction accounts.

To close your account, please give us a call on 1300 797 470 (within Australia) or +61 2 9155 7744 (from overseas).

Before you can close your account, you will need to convert any foreign currencies into AUD and transfer your available balance to your Westpac savings or transaction account.

Alternatively, you can spend your remaining funds online/instore or withdraw funds from an ATM (which may be subject to currency conversion on withdrawal) wherever Mastercard is accepted. 

It’s worth keeping in mind that there aren’t any account keeping or inactivity fees, so you could also keep any money on your card ready for your next overseas holiday. 

Worldwide Wallet transactions are shown in the time and date in St.Louis, Missouri, USA (GMT-6). Please make sure to keep this in mind when checking transactions in your account’s activity history. 

If you don’t recognise a transaction, please contact the Worldwide Wallet team immediately on 1300 797 470 in Australia or +61 2 9155 7744 when overseas. 

There are daily scheduled maintenance updates from 1.15am - 1.35am AEST, Monday – Saturday. During this time, you won’t be able to access foreign exchange rates for your Worldwide Wallet or convert currencies in your account. Apologies for any inconvenience this may cause.

If you’re having issues converting your funds outside these times, please contact the Worldwide Wallet team for help on 1300 797 470 in Australia or +61 2 9155 7744 when overseas.

 

The easiest way to activate your cards in four easy steps is to:

  1. Visit www.westpac.com.au/worldwidewallet.
  2. Select ‘I received my cards in the mail’ or ‘I picked up my cards in branch’.
  3. Then, click ‘activate now’ to be redirected to the Online Banking sign in page. 
  4. After signing in, follow the prompts to activate your card.

If you’ve received your cards in the mail, you can also follow the prompts in your account in Online Banking or the Westpac App to activate them. 

Things you should know
Westpac Worldwide Wallet Product Disclosure Statement (PDF 222KB) 
Online Banking Terms and Conditions (PDF 277KB)

You should read the Westpac Worldwide Wallet Product Disclosure Statement and Online Banking Terms and Conditions before making a decision and consider whether these products are appropriate for you. This information does not take into account your personal objectives, financial situation or needs and you should consider its appropriateness having regard to these factors before deciding to acquire these products.

Information will be disclosed to third parties about you and your Product, or transactions made by you with the Product, as necessary for the service provision or as required by law. Westpac’s Privacy Policy explains our commitment to the protection of your personal information. Please refer to our full Privacy Policy (PDF 549KB).

1. No ATM withdrawal fee at Westpac Group ATMs in Australia and over 50,000 ATMs globally via Global ATM Alliance partners. Other fees and charges may be payable.

2. You must register each flight at least 6 hours before your flight. A flight is defined as a single scheduled airline flight under a single flight number. Delay must be officially announced by the airline and reported to our flight status data service provider. Flight Delay Pass is only available at selected airport terminals. If you are under 18 years old, you must be accompanied by an adult (18 years of age and older) to enter participating lounges. Access to and use of the Flight Delay Pass is subject to T&Cs which may change from time to time. Visit flightdelaypass.mastercard.com/worldwidewallet for the T&Cs and the list of participating lounges.

Internet connection may be needed to make purchases using Google Pay or Samsung Pay and normal mobile data charges apply.

Google Pay is a trademark of Google Inc.

Samsung and Samsung Pay are trademarks or registered trademarks of Samsung Electronics Co., Ltd.

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