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Travelling overseas checklist

Let us know when and where you’re going

Important: Effective 1 October 2017, the insurer of your Westpac Credit Cards Complimentary Insurance will be changing from QBE Insurance (Australia) Limited (“QBE”) to Allianz (issued by Allianz Global Assistance and underwritten by Allianz Australia Insurance Limited). For more information, visit


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.

You can call us on:

Save on fees with our Global ATM Network

You can use your credit card to make purchases or withdraw cash at ATMs while you are overseas.

There’s nothing like 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, please refer to for fee details.

Be aware though that the following fees and charges are charged when withdrawing cash from ATMs overseas:

  • Westpac will charge a $5 fee when you withdraw money from ATMs 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 with the transaction and 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%

Note: It may not always be clear to you that the Merchant or entity processing the transaction is located outside Australia.

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 on 1300 651 089 before you leave.

Check your 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:

Depending on your destinations and time away, this cover may not fully meet your needs. Find out more about standalone Westpac Travel Insurance.

Make sure you know how to contact us in an emergency

For lost or stolen cards:

You can contact the Telstra Australia Direct® Reverse Charge access number for the country you’re in to book a reverse charge call. Then request the call be placed to +61 2 9155 7700 (24 hours a day, 7 days a week), or for Black cardholders +61 2 9155 7711. Please note that calls made from mobile phones or hotel rooms may attract additional charges, not covered by the reverse charge service.

Things you should know

World Mastercard®, Mastercard® and the Mastercard brand mark are registered trademarks, and PayPass is a trademark of Mastercard International Incorporated.