Travel money card

Lock in your exchange rate before you travel or shop with your prepaid Mastercard® Worldwide Wallet. Use your travel money card to spend and pay no foreign transaction fees, plus enjoy access to Flight Delay Pass.

New Worldwide Wallet travel cards are currently unavailable. We apologise for any inconvenience.
 

If you've picked up your Worldwide Wallet travel cards in branch, you have up until 25 October 2024 to activate your cards. If you’ve received your travel cards in the mail, you can continue to activate your cards past this date.
 

If you’ve activated your cards already, you can continue to use them as usual.

 

Important changes to Worldwide Wallet 

From 1 May 2025, you can only load funds into your Worldwide Wallet from an eligible Westpac Group* transaction or savings account. 

 

What this means for you

This means that you will no longer be able to load funds into your Worldwide Wallet from third-party financial institutions.
 

Please ensure you have an eligible Westpac Group* account to transfer funds into your Worldwide Wallet before 1 May 2025.
 

For more information on this change please read the Product Disclosure Statement (PDF 264KB).

 

*Eligible Westpac Group accounts include any eligible Westpac, St.George, Bank of Melbourne or BankSA branded transaction or savings account.

Explore our other options

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Westpac Lite Credit Card

Our Westpac Lite Credit Card has no foreign transaction fees, low purchase rate and a low monthly fee. Credit criteria, T&C's and fees apply.

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International Money Transfer

International Money Transfer

International Money Transfer allows you to send foreign currency overseas with no Westpac Fees*, via Online Banking or the Westpac App.

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A smart and safe way to pay in foreign currencies

Westpac Travel Money Card

Features and benefits

  • Travel and shop worry-free
    Lock in your budget by converting your loaded AUD ahead of time and feel safe and secure from fraudulent transactions with Mastercard Zero Liability protection.¹
     
  • Lounge access if your flight is delayed
    You and a companion can get access to over 1,000 lounges² if your flight is delayed for 120 minutes or more. Visit the Mastercard Flight Delay Pass website to pre-register your flight. T&Cs apply.

  • Access unforgettable experiences and rewards
    Your Mastercard gives you access to Priceless® Cities with unforgettable experiences in the cities where you live and travel.³ You can also get cashback when you shop overseas with your Worldwide Wallet, thanks to Mastercard Travel Rewards.⁴

How it works

Before you leave

  1. Activate your cards in Online Banking
  2. Transfer AUD to your card and convert into your choice of up to 10 currencies to lock in your rates.

While you’re away

  • Pay for things using the local currency loaded on your card

  • Avoid ATM fees at Global ATM Alliance partners5

  • Reload your card as you go using the Westpac App, with no load or reload fees.

When you get home

  • Convert leftover currency back to AUD or another available currency, with no unload fees
  • Remember, you can avoid foreign transaction fees while shopping online by paying with your Worldwide Wallet.

Save on fees

  • Avoid ATM withdrawal fees
    Through our Global ATM Alliance and overseas partner ATMs which you can easily find using the ATM locator in the Westpac App 
     
  • No foreign transaction fees
    Avoid a 3% foreign transaction fee whenever you use your Worldwide Wallet to shop online or in person.
     
  • No load or unload fees
    Reload your account on the go, whenever you need.
     
  • No account keeping fees
    You won’t pay any inactivity or account keeping fees, so any funds left in your account will be there ready for your next trip or purchase.
     

Other fees may apply. Read the Product Disclosure Statement (PDF 264KB) for full list of fees. 

Like to shop online?

Use your Worldwide Wallet for online purchases in foreign currencies and avoid a 3% foreign transaction fee.

You can also shop worry-free from fraudulent transactions with Mastercard Zero Liability protection.1

Complete visibility and control

All in one view

See your account balance and transactions in the Westpac App or in Online Banking.

Move money easily

Transfer money to and from your Worldwide Wallet and convert AUD into foreign currencies while you’re on the go in the Westpac App.

More ways to pay

Add your Worldwide Wallet to Google Pay™ or use your card to tap and go.

A spare card for peace of mind

Both cards give you access to the same funds and can be locked and unlocked instantly at your convenience via Online Banking or the Westpac App.6

Add up to 11 currencies

Lock in your rate head of time by converting currency in advance.

You'll still be able to spend in currencies not listed here and avoid Westpac's 3% foreign transaction fee.

To view our latest rates, see our currency converter.

Available currencies
AUD - Australian Dollar USD - United States Dollar
EUR - Euro GBP - British Pound
NZD - New Zealand Dollar CAD - Canadian Dollar
JPY - Japanese Yen THB - Thai Baht
ZAR - South African Rand SGD - Singapore Dollar
HKD - Hong Kong Dollar    

FAQs

Why should I choose a Westpac Worldwide Wallet for shopping online in foreign currencies?

With the Westpac Worldwide Wallet, you can avoid a 3% foreign transaction fee when you shop online in available currencies.

You can shop safely by loading only what you need into any of the following currencies: USD, EUR, GBP, CAD, JPY, THB, ZAR, SGD, NZD and HKD. By knowing exactly how much of a foreign currency is loaded on your card, you can stay on top of your spending.

You’ll also benefit from Mastercard Zero Liability protection,1 so you can shop worry-free from fraudulent transactions.

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 264KB) for the drawdown sequence.

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.5 However, fees may apply if you use an ATM outside of the Global ATM Alliance network.

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.

See all FAQs

Worldwide Wallet 24/7 support in Australia

1300 797 470

or +61 2 9155 7744 from overseas

 

Things you should know

Westpac Worldwide Wallet Product Disclosure Statement (PDF 264KB) 
Online Banking Terms and Conditions (PDF 1MB)

Westpac Retail and Business Banking Financial Services Guide and Credit Guide (PDF 249KB)

You should read the Westpac Worldwide Wallet Product Disclosure Statement (PDF 264KB), Online Banking Terms and Conditions (PDF 1MB), and Westpac Retail and Business Banking Financial Services Guide (PDF 249KB) 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.

 

A target market determination has been made for this product. Please visit westpac.com.au/tmd for the target market determination.

 

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. 

 

*Westpac transfer fees still apply for funds sent in Australian dollars. Other bank fees may also apply, check the currency converter for indicative rates and fees. To send and receive an international money transfer you must hold an eligible Westpac transaction account. Fees and charges may apply on a Westpac transaction account.

 

1. You will be reimbursed for any unauthorised transactions, provided that you have not contributed to the loss, exercised reasonable care in protecting your card and account, and promptly notified Westpac upon becoming aware of loss, theft, or misuse. 
 
2. You must register each flight before its scheduled departure time. 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.
 
3. For Priceless ® Cities terms of use, visit priceless.com/terms/en_AU.
 
4. Individual terms and conditions (T&Cs) apply to each offer. The T&Cs of each offer are specified on mastercardservices.com/en/i/20657. Cashback is available on international spend only. Cashback is not available for any local or domestic spend (in Australia). Cashback applies to qualifying transactions only (where a cardholder makes a purchase that meets the cashback offers published criteria and the specific T&Cs, in the local currency stipulated). Cashback is not processed immediately and will not reduce the purchase price of goods and services at the point of sale. The processing of cashback offers is undertaken by automated Mastercard systems and will appear as a credit on your next Westpac card statement. Mastercard Travel Rewards is operated by Mastercard in agreement with Westpac. For the Worldwide Wallet, the cashback processed will depend on the currencies available on your card and the location of your purchase. Examples of how a rebate may be processed are: If the destination currency is listed as a currency into which you can load funds onto your Card, the rebate will be credited as a single amount to the destination currency regardless of whether you have any funds available in that currency; or If the destination currency is not listed as a currency into which you can load funds onto your Card, the rebate will be credited to the local currency in the country in which your Prepaid Card was issued, i.e. AUD.
 
5. No ATM withdrawal fee at Westpac Group or select Westpac Group partner ATMs in Australia and Global ATM Alliance partners. Other fees and charges may be payable.  
 
6. The spare card should only be used if the Primary Card has been lost or stolen.  For your security, the spare card should only be used by yourself, and not given to anyone else.
 
Internet connection may be needed to make purchases using Google 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.