Travelling overseas

There is no cash withdrawal fee at overseas ATMs that are part of our Global Alliance ATM network. Use the Global locator in Westpac's Mobile Banking app for quick and handy access while overseas.

Things to keep in mind:

• A Westpac Debit Mastercard^® lets you access your own money to make purchases, wherever Mastercard^® is accepted. You can also use your Debit Mastercard^® or Handycard to withdraw local currency from selected ATMs.
• Non Global Alliance ATMs will usually charge a fee.
• Access your transaction and savings accounts to withdraw foreign currency at any overseas ATM that displays the Cirrus logo, although a foreign-currency transaction fee will apply, incorporated into your total transaction amount in Australian dollars
• The international daily limit for electronic cash withdrawals is A$1000 which applies to both your Handycard and Westpac Debit Mastercard^®. This limit applies to ATM and EFTPOS cash withdrawals, during a 24 hour period (starting midnight). This limit can be adjusted to a maximum of $2,000 via Online Banking or Mobile Banking or by visiting a Westpac branch or calling Telephone Banking on 132 032.

Travelling to Europe or the United Kingdom (UK)

• Use your Mastercard^® or Visa Credit Card to access a credit account
• Use your Handycard or Debit Mastercard^® if you'd like to access a savings or transaction account (as Visa and Mastercard credit cards linked to these accounts won't work)
• Link your account to the 'Savings' option and consider carrying a second Handycard, as ATMs in Europe and the UK don't recognise accounts linked to 'Cheque'.
  

If travelling outside Europe...

• Use your Handycard, or linked Debit Mastercard^® to access a savings or transaction account
• Use your Mastercard^® or Visa Credit Card to access a credit account
• During your travels, remember that: 
  • 'Savings' in Australia means 'Debit' on most foreign ATMs
  • Different countries have different ATM systems, so it's important to memorise your 4-digit PIN before you leave home.

To order a new or replacement PIN (personal identification number) while you are overseas:

• Sign in to Westpac Live and you will be able to select a PIN and start using your PIN straight away
• Call +61 2 9155 7700 (24 hours a day, 7 days a week). For Black cards please call +61 2 9155 7711.

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

Allow 10-14 business days for delivery if you’re at an overseas address.

Learn more about managing your card PIN via Westpac Live.

• Call Westpac on +61 2 9155 7700 (24 hours a day, 7 days a week), or for Black cardholders +61 2 9155 7711
• Alternatively, Mastercard^® and Visa may be able to help you with emergency replacement cards and emergency cash advances
  • If your card is Mastercard^®, visit mastercard.com, select your country and click on 'Emergency Services'
  • If your card is Visa, visit visa.com, and click on ‘Card Lost or Stolen’.
• You will either be provided with a number to call, or will be asked for the details listed on your Westpac records, such as your:
  • Name
  • Address in Australia
  • Phone number in Australia. 
• These details need to match the contact details we have for you in our customer profile at Westpac, as Mastercard and Visa will ask us to confirm the information you provide.

Our emergency card replacement and cash service

If your card is lost or stolen, take advantage of our Emergency Card Replacement service, where a replacement card can usually be provided within 2 business days.

Additionally, by advising us that your Debit Mastercard^®, Handycard or credit card is missing may protect you from liability for any subsequent misuse of your card.

You also have access to an emergency cash advance - subject to your available credit limit and your account being in good standing.

It's important to let us know if you're going overseas - that way we can keep an eye on your accounts for any suspicious activity.

The easiest way to let us know is through Mobile Banking:

1. Sign into Mobile Banking
2. Select Services and security from the top left menu
3. Under Card services, select Notify of overseas travel and follow the prompts.