ANZ Travel Card

Information verified correct on September 28th, 2016

The card offers you the ability to load and keep up to ten currencies on the card, which is a good feature if you plan to visit a number of major destinations while on your travels. You’ll find that some cards will offer nine to 11 currencies, but many limit you to being able to keep only four to five on the card at any one time. This card also offers the Thai Baht as a currency, which not all cards currently do.

What currencies are offered?

The ten currencies on offer are:

  • Australian Dollars (AUD)
  • US Dollars (USD)
  • Euro (EUR)
  • Great British Pounds (GBP)
  • New Zealand Dollars (NZD)
  • Hong Kong Dollars (HKD)
  • Canadian Dollars (CAD)
  • Singapore Dollars (SGD)
  • Thai Baht (THB)
  • Japanese Yen (JPY)

How do I use the card and where can I get one?

If you’re interested in using the ANZ Travel Card for your overseas trip, you can follow the link on this page to purchase a card. You do not have to be an ANZ customer to apply and you can pick up your card after five business days from your local ANZ branch or Foreign Exchange Centre.

If you go straight into a branch or ANZ Foreign Exchange Centre you can get a card immediately; however, if you buy a card online and pick it up it will come with your name printed on it. This can aid you in the event that you need to sign your name for a purchase overseas, as a card that doesn’t have a name printed on it may not be accepted with all merchants.

Features and Benefits of the ANZ Travel Card

  • Security features

    The ANZ Travel Card has a number of features designed to put your mind at ease while travelling.

    • Security chip and PIN combination. A security chip and PIN makes it harder for credit card fraudsters to get your information.
    • Back up card. If you lose your primary card or it’s stolen, you can call up ANZ at any time to cancel it and start using your secondary card.
    • ANZ protection. If you notify ANZ of any losses or suspected misuses of your card within a reasonable time you’ll be protected against unauthorised or fraudulent transactions.
  • ATM withdrawal fees
    As is the case with most travel cards, the ANZ Travel Card charges fees for withdrawing funds from an ATM. The fee depends on what currency you’re withdrawing.
      AUD 3.50, CAD 3.00, EUR 2.20, GBP 2.00, HKD 20.00, JPY 260, NZD 4.50, SGD 4.00, THB 95, USD 2.50
  • Reloading

    You can reload your card in three ways.

    • Online using BPAY. This requires you to quote the biller code on the back of your card and use the 16-digit card number as the reference number. This will take three days.
    • Over the phone using BPAY. This will take three days.
    • In person at an ANZ Foreign Exchange Centre or Australia Post outlet using Post BillPay. If you load funds at an ANZ Foreign Exchange Centre your funds are available instantly, but if you load funds on at Australia Post outlet you’ll need to wait four days before they’re available.
      Remember reloading comes with a fee of 1.1%

Travel Money Limits

At any one time you can only have a maximum of on your card per year.

You can load between $200 and $80,000 at any one time if you purchase your card from an ANZ Branch or an ANZ Foreign Exchange Centre. If you buy your card online, you can only load up to $25,000 onto it.

There are also limits for how much you can withdraw from an ATM each day and how much you can spend at stores with a Point of Sale (POS) terminal.

Fees, limits and other important information

Fees

The main disadvantage a travel card has to a travel friendly debit or credit card is the additional fees you may pay. Below is what you can expect to pay with this card.

Card issuance fee$11 (will be waived to ANZ customers who apply for a new Travel Card in branch)
Initial load feeFree
Monthly inactivity fee$3 for each month after 12 consecutive months without use
Reload fee1.1%
Transaction fees for online and in-store purchasesFree if using a currency loaded onto the card, otherwise 3% of transaction value
Card replacement fee$35
Balance enquiriesFree

As can be seen, the ANZ Travel Card charges a $11 (will be waived to ANZ customers who apply for a new Travel Card in branch) fee for buying the card, which is close to the average charged by other travel cards.

The reload fee is similar to most travel cards out there; however, the monthly inactivity fee is towards the higher end of the spectrum. This fee can be avoided by closing your card account if you don’t plan on using it.

The replacement card cost is also quite high, especially considering there are cards in the market which don’t charge a fee for replacement cards. Although, you are offered a backup card with your account for no charge so unless you shouldn’t need to pay this fee unless you lose both your primary card and your backup.

One feature offered by the ANZ Travel Card and other travel cards is the ability to get SMS balance alerts each day, week or month.

SMS alerts

Some cards provide these for free, although ANZ’s Travel Card charges the following amounts depending on where you are in the world.

AUD 0.35USD 0.35GBP 0.25EUR 0.30NZD 0.70CAD 0.45HKD 1.00SGD 0.40THB 10JPY 30

Currency Order

Each travel card has a default order of currencies. The order of currencies is important for travel money cards because certain transactions will make use of it. If you spend using your travel card in a currency not offered on the card for example, the card will use funds from the first currency in the order. If you have insufficient funds, your card will draw funds from the first currency in the order where sufficient funds are available. More information about how this works can be found in the PDS.

The default currency order for the ANZ Travel Card is:

  • Australian Dollars (AUD)
  • United States Dollars (USD)
  • Great British Pounds (GBP)
  • Euros (EUR)
  • New Zealand Dollars (NZD)
  • Canadian Dollars (CAD)
  • Hong Kong Dollars (HKD)
  • Singapore Dollars (SGD)
  • Thai Baht (THB)
  • Japanese Yen (JPY)

You can change the first default currency in the order by calling the ANZ Travel Card service line or logging onto the ANZ Travel Card website. To order the other currencies in the order you’ll have to log onto the ANZ Travel Card website.

Frequently asked questions

Do I need to have an account with ANZ to get the ANZ Travel Card?

No, but you’ll need to go through ANZ’s verification process.

How can I transfer money between currencies?

You can do this by logging onto the ANZ Travel Card website.

What do I do with any leftover funds on the card?

You can either leave the money on the card, or close the card and transfer the money off of it.

Back to top
Available CurrenciesAUD, CAD, EUR, GBP, HKD, JPY, NZD, SGD, THB, USD,
Multiple Currencies on One CardYes
Number of Cards Issued2
Minimum Load Amount$200
Maximum Load Amount$80,000
Maximum Annual Load Amount$80,000
24 Hour ATM Cash Withdrawal LimitAUD 2,500, NZD 3,000, USD 1,800, GBP 1,000, EUR 1,500, CAD 3,000 HKD 13,700, SGD 3,250, THB 77,000, JPY 205,000
24 Hour POS Transaction LimitAUD 5,000, NZD 7,000, USD 5,000, GBP 3,500, EUR 5,000, CAD 6,000, HKD 27,500, SGD 7,000, THB 155,000, JPY 410,000
Card Issue Fee$11 (will be waived to ANZ customers who apply for a new Travel Card in branch)
Initial Load Fee$0
ATM Withdrawal FeeAUD 3.50, CAD 3.00, EUR 2.20, GBP 2.00, HKD 20.00, JPY 260, NZD 4.50, SGD 4.00, THB 95, USD 2.50
Reload Fee1.1% of the value purchased
Monthly Inactivity Fee
after 12 months inactivity
$3
Transaction Fee for Purchases$0
Balance Enquiries$0
Card Replacement Fee$35
Currency Conversion Fee3%
BPay Reload fee$1.10
Account Closing Fee$0
Available To Temporary ResidentsNo
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26 Responses to ANZ Travel Card

  1. Default Gravatar
    john | August 26, 2016

    What are the exchange rates like – putting money and if you recover your balance?

    • Staff
      May | August 26, 2016

      Hi John,

      Thank you for your question.

      To further assist you, can you please clarify your question? – Thanks. :)

      Foreign exchange rates change daily. When you load funds onto your ANZ Travel card and convert the funds from AUD to a foreign currency, the exchange rate is locked in at the rate at the time of transfer.

      Cheers,
      May

  2. Default Gravatar
    Mark | May 9, 2016

    Hi, how do I use my pin for street transactions instead of signing all the time? I am currently in the UK. Thanks…

    • Staff
      Sally | May 13, 2016

      Hi Mark,

      Thanks for your question.

      Unfortunately, it’s up to the merchant as to whether they require you to use your PIN or signature for the card.

      I’m sorry we couldn’t be of more assistance.

      Cheers,

      Sally

  3. Default Gravatar
    Merril | June 6, 2015

    Travel card keeps telling me to contact bank when I try to access money or balance, please help.

    • Staff
      Jonathan | June 9, 2015

      Hi Merril, thanks for your inquiry!

      Please refer to the link I have sent to your email to inquire about your travel money card.

      Cheers,

      Jonathan

  4. Default Gravatar
    Mark | December 11, 2014

    Hi Elizabeth, sorry I meant the 09/11/11, so it is just outside its expiry date of three years. This card has Around 4500 dollars on it so I am obviously not keen on the idea that you can just keep hold of these funds after the three years have elapsed!

    • Staff
      Elizabeth | December 12, 2014

      Hi Mark,

      Thanks for clarifying the date.

      As I mentioned, according to the terms and conditions they are under no obligation to return the money to you. During this time you would have been charged a monthly inactivity fee of $3 that would have been charged to your account, and after the three years ANZ may have absorbed the unclaimed money. I’d get in contact with ANZ as soon as possible in order to find out if there’s any way to reclaim the money – while they’re not under an obligation to return the money to you they may not have removed the money from your card account as of yet.

      Thanks,

      Elizabeth

  5. Default Gravatar
    Mark | December 10, 2014

    Hi I have an expired anz card in the uk that has considerable funds still on it. This card expired on 09/11 how can I claim these funds back?

    • Staff
      Elizabeth | December 11, 2014

      Hi Mark,

      Thanks for your question.

      You need to request that the funds on the card be returned to your Australian bank account within three years of the card’s expiry. Once those three years has elapsed you may not be able to claim back the value of the card. I’m unsure if the date you mentioned meant September 2011 or the ninth of September this year. If it was this year, you can call 1800 094 003 to request the value of your card be sent to your Australian bank account.

      I hope this has helped.

      Thanks,

      Elizabeth

  6. Default Gravatar
    wendy | September 21, 2014

    my card has expired but i have lots of money on it, how do i get my money back,

    • Staff
      Shirley | September 22, 2014

      Hi Wendy,

      THanks for your question.

      If your card has expired you can contact ANZ within three years to redeem the stored value.

      All the best,
      Shirley

  7. Default Gravatar
    Rob | February 13, 2014

    Is the travel card accepted same as a credit card for i.e. accommodation where they will only accept credit card payment?

    • Staff
      Jacob | February 14, 2014

      Hi, Rob.

      Thanks for your question.

      There’s no way of being sure about this as some merchants will accept a travel card and others won’t. Your best bet is to get in touch with the merchant to see whether this will be an accepted form of payment. We have heard anecdotal evidence where travel cards have not been accepted in the past due to the name of the cardholder not appearing on the front.

      You can compare travel money options on this page. There are quite a few questions and answers from our users and staff at the bottom of the page.

      Let us know if you need any further information.

  8. Default Gravatar
    Peter | September 15, 2013

    Is the ANZ Travel Card good for using in South America for 3 months. Doing purchases, withdrawals, etc! Uploaded on U.S currency! Travelling to many different country’s! Will this be cheaper than using my ANZ debt card!!

    • Staff
      Jacob | September 16, 2013

      Hi Peter.

      It comes down to how many places accept USD as a form of payment. USD is the closest currency to a South American currency that you can load onto the travel card. If you can withdraw USD from an ATM in South America and pay with American cash, then you should be fine. If you have to pay in the local currency (i.e. pasos, real) then you’re better off going with your debit card. The less times you have to exchange cash between currencies the better.

      Jacob.

  9. Default Gravatar
    Colin | September 2, 2013

    Thank you Jacob,
    Question – Are the funds transferred to the new card as is in existing Euros and Dollars value or are transferred at today’s rates?

    • Staff
      Jacob | September 2, 2013

      Hi Colin.

      When you load funds onto the card and convert the funds from AUD to a foreign currency, the exchange rate is locked in at rate at the time of transfer.

      Jacob.

  10. Default Gravatar
    Colin | August 31, 2013

    What happens when the card has been expired for four months as we don’t travel frequently and missed it’s expiry date and are wanting to travel shortly?

    • Staff
      Jacob | September 2, 2013

      Hi Colin.

      Thanks for your question.

      If the card is expired, then you will need to order a new card if you would to keep using it. Any funds that are left on the card after 12 months after the card has expired will be forfeited.

      I hope this helps.

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