Accessing money overseas
Travelling overseas? We make it simple to access your money and cash. Use a credit card, debit card or travel money card — having a few options means you’re covered wherever you go.
Want to save on overseas ATM withdrawal fees?
$0
ATM withdrawal fees
At overseas ATMs that are part of our Global ATM Alliance network. Find the nearest ATM in he Westpac App.
$0
Foreign transaction fee
When you shop online or in person using our 11 supported currencies. You’ll need to transfer sufficient funds to that currency before you make the transaction. Other charges may apply. 3% Foreign Transaction fee applies for debit cards or credit cards. All details in card fees section.
Find the right card to travel with
-
WORLDWIDE WALLET
Travel money card that you load in Australian dollars and then convert to 10 supported currencies.
- Tick - Lock in exchange rate
- Tick - Google Pay™
- Tick - Flight Delay Pass
-
DEBIT CARD
Debit Mastercard® that is linked to your Westpac Choice everyday account. You can link up to 2 bank accounts.
- Tick - Digital card
- Tick - Google Pay™, Samsung Pay™ and Apple Pay
-
CREDIT CARD
Choose a low rate or low fee card, or one of our Rewards cards if you want to earn points on your spending.
- Tick - Digital card
- Tick - Google Pay™, Samsung Pay™ and Apple Pay
- Tick - $0 - $295 annual card fee
- Tick - $75 annual rewards program fee for Qantas Frequent Flyer or Velocity
- Tick - Cash advance fee - 3% of transaction (details in fees section)
- Tick - Rewards points and complimentary travel insurance on eligible cards
Protection you can count on
No matter what type of card your take on your travels, you're protected:
- Lock your card temporarily if it’s lost or stolen in the Westpac App
- Westpac Protect SMS Code
- Chip and PIN security (Excludes PartPay on a Westpac credit card and Flex Card).
Card fees
To open a Westpac Worldwide Wallet account, you must:
- Hold a Westpac bank account in the same name
- Be registered for Online Banking.
Fees and charges may apply on an everyday account, including a $5 monthly Account-Keeping Fee.
| Standard fees (fees may change) | Amount |
|---|---|
| Account-Keeping Fee | $0 |
| Loading fee (to add AUD into the account) | $0 |
| ATM cash withdrawals in Australia (ATM providers may charge a fee – watch out for that!) | $0 |
| Overseas Withdrawal Fee from a Global Alliance Partner ATM (for more information on Global Alliance Partners click here.) | $0 |
| Foreign transaction fees | $0 |
Other charges
If you transact in unsupported currencies or have insufficient balance to complete a transaction in a supported currency, the following will apply:
1. Mastercard’s foreign exchange rate
2. Westpac’s 2% margin.
Charges may apply from:
- Merchants
- A merchants’ financial institution
- Third-party ATM operators.
Other fees and charges may apply. Please refer to the Westpac Worldwide Wallet Product Disclosure Statement (PDF 371KB)
A Debit Mastercard is linked to a Westpac Choice everyday account.
If you decide to open a Westpac Choice transaction account, the following fees will apply:
| Standard fees (fees may change) | Amount |
|---|---|
| Account-Keeping Fee (monthly) | $5 (criteria for fee waiver below) |
| Online Banking withdrawal (including Mobile Banking) | $0 |
| Telephone Banking withdrawal (self service) | $0 |
| Telephone Banking withdrawal (staff assisted) | $0 |
| Branch staff assisted withdrawal | $0 |
| Direct Debit | $0 |
| Point of Sale (POS) transactions | $0 |
| ATM cash withdrawals in Australia (ATM providers may charge a fee – watch out for that!) | $0 |
| Overdrawn Fee (for more information: Overdraw Preference Feature) | $15 |
| Overseas Withdrawal Fee from a Global Alliance Partner ATM (for more information on Global Alliance Partners: click here) | $0 |
| Overseas Withdrawal Fee from a non-Global Alliance Partner ATM | $5 |
| Transactions made in foreign currency, and the merchant or financial institution is located outside Australia | 3% of the AUD transaction amount |
| Transactions made in foreign currency, and the merchant or financial institution is located in Australia | 2.2% of the AUD transaction amount |
| Unarranged Lending Rate (ULR) is a debit interest rate charged to a transaction account if it becomes overdrawn without arrangement | 15.01% p.a. |
The monthly fee is waived for:
- Customers that deposit at least $2,000 each month
- Customers under the age of 30 or full-time tertiary students
- Westpac Choice Concession account holders
- New to Australia or expatriate customers (for the first 12 months)
- Customers that link their Choice account to their Rocket Repay Home Loan or Rocket Investment Loan as an offset account (for as long as the account is linked)
- Customers that open a new Westpac Choice account online (for the first 12 months).
Customers aged 30 to 34 will be refunded the Account-Keeping Fee within 5 business days of the fee being charged.
Open a new Westpac Choice account online between 1 February 2024 and 30 September 2026 to have the monthly Account-Keeping Fee waived for the first 12 months. At the end of the 12-month period, the monthly Account-Keeping Fee (currently $5) will apply unless the minimum monthly deposit criteria are met. Individual(s) under the age of 30, New Arrivals, and students are ineligible for this Offer. This offer is not applicable to the Westpac Choice Concession account. For joint accounts, individuals must meet the eligibility criteria for the fee waiver to apply. Other fees and charges, terms and conditions apply to the Westpac Choice account. This offer may be repeated from time to time, withdrawn, varied, or extended at any time.
Westpac Rewards cards
Annual card fee |
Altitude Black: $295 Altitude Platinum: $175 |
| Annual Rewards Program fee | Altitude Rewards: $0 Qantas and Velocity Rewards: $75 |
Foreign transaction fee |
3% Payable as a percentage of the Australian dollar value of any foreign transaction. Applies for transactions in a foreign currency, or in Australian dollars but processed by an overseas merchant or financial institution. Note: It may not always be clear to you that the Merchant or entity processing the transaction is located outside Australia. More about this fee. |
| Cash advance fee |
3% of the value of the transaction will apply to each cash advance made on your card account. These charges will appear on your credit card statement directly below the relevant cash advance. |
| Missed payment fee | $15 each statement cycle that the minimum monthly payment is not paid by the statement due date. |
Westpac Low Rate card
| Annual card fee | $59 |
| Foreign transaction fee | 3% Note: It may not always be clear to you that the Merchant or entity processing the transaction is located outside Australia. More about this fee. |
| Cash advance fee | 3% of the value of the transaction will apply to each cash advance made on your card account. These charges will appear on your credit card statement directly below the relevant cash advance. |
| Missed payment fee | $15 each statement cycle that the minimum monthly payment is not paid by the statement due date. |
| Non-Westpac Group ATM fee | Using your card in a non-Westpac Group or Westpac Group partner ATM may result in a charge to you. Use any Westpac, St.George, BankSA, or Bank of Melbourne, or select Westpac Group partner ATM to avoid paying an ATM operator fee. Find a Westpac Group ATM. |
| Credit card surcharge | Some merchants may apply a surcharge for credit card payments (usually a percentage of the purchase). If you're unsure, check with the merchant before paying. |
For more information about credit card fees.
Westpac Lite card
| Monthly card fee | $9 |
| Foreign transaction fee | 0% |
| Cash advance fee | Cash advances not available |
| Missed payment fee | $0 |
| Credit card surcharge | Some merchants may apply a surcharge for credit card payments (usually a percentage of the purchase). If you're unsure, check with the merchant before paying. |
Did you know?
Westpac Debit Mastercard
- Use your savings or cheque account while overseas.
- Pay for things anywhere Mastercard is accepted.
- Take out local cash from ATMs.
- You can withdraw up to A$2,000 per day.
Tip: Some overseas banks may charge a fee. You’ll see this before you confirm. To avoid fees, use ATMs in the Global ATM Alliance network.
Westpac Credit cards
- You may not be able to take money from savings or cheque accounts at overseas ATMs, even Global ATM Alliance ATMs. If you need this, choose a Debit Mastercard instead.
- A 3% fee applies if you take cash using the Credit option.
Note: Westpac online services may not work in some countries.
Help when you need it
Things you should know
Online Banking Terms and Conditions (PDF 633KB)
Westpac Worldwide Wallet Product Disclosure Statement (PDF 371KB)
Google Pay Terms and Conditions (PDF 316KB)
Samsung Pay Terms and Conditions (PDF 63KB)
Apple Pay Terms and Conditions (PDF 129KB)
Before making a decision about any of our products or services, please read the PDS and all the terms and conditions and consider whether the product or service is right for you. Fees and charges apply and may change.
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 Statement explains our commitment to the protection of your personal information or you can learn more by calling 132 032.
Mastercard® is a registered trademark and the circles design is a trademark of Mastercard International Incorporated.
Internet connection may be needed to make purchases using Google Pay or Samsung Pay and normal mobile data charges apply.
Apple, the Apple logo, iPhone and Apple watch are trademarks of Apple Inc., registered in the U.S. and other countries. App Store is a service of Apple Inc.
Samsung and Samsung Pay are trademarks or registered trademarks of Samsung Electronics Co.
Android, Google Play and the Google Play logo are trademarks of Google LLC.