Woolworths Everyday Money Reloadable Prepaid MasterCard – Rates and Fees

Information verified correct on July 29th, 2016

Stay in control of your money by using the Woolworths Reloadable Prepaid MasterCard.

Important Information

The Woolworths Reloadable Prepaid MasterCard is no longer available for purchase. The information on this page has been kept for the benefit of existing customers and for those who are interested.

Click here to compare more debit cards, or to compare Woolworths credit cards click this link.

When you receive your card, you can load money onto it to use for everyday purchases, both domestically and internationally. You can also use it over the phone, or to withdraw cash out of an ATM.

It has the convenience of MasterCard, so it’s accepted at 30 million merchants worldwide, along with 1.9 million ATMs.

Suitable for younger card users, the Woolworths Reloadable Prepaid MasterCard is also safe and secure to use when shopping online, and isn’t linked to a bank account so your details cannot be accessed.

Woolworths Everyday Money Reloadable Prepaid MasterCard review

This card charges a 2.5% international transaction fee for purchases made in a foreign currency. It may be a suitable card for children, as you can only load a certain amount of funds in the card.

There are two purchase options you can choose when you apply:

MonthlyPay as you go
Could be suitable if you plan on using this card on a regular basisCould be suitable if you use the card every now and again
No monthly service fee if you load $500 or more into your card per month$1 load fee applies each time you load the card with funds
A $1 monthly service fee applies if you don’t meet the condition aboveNo monthly service fee applies
What you need to know about using the card
  1. If you’re shopping online – like using the card to purchase a flight – and you’re asked to provide the name of the issuing bank – select ‘ANZ’. This card is issued by ANZ in conjunction with Woolworths.
  2. If you want to use the card to make a withdrawal from an ATM or to make a purchase over the counter, press ‘credit’.

Information about reloading the card

In person, this account can be reloaded at Woolworths Supermarkets stores nationwide. While it can be reloaded electronically via BPAY or direct credit. Regular deposits from a transaction account can also be arranged.

Funds will clear in the account at different times depending on the reload method.

MethodTimeLimits
Cash or EFTPOS at Woolworths SupermarketsImmediate$2,000
Direct Credit – EFT from a bank account2 business days$2,000
BPAY4 business days$2,000

There’s a maximum balance of $10,000. When funds are loaded onto the card for the first time, the card issue fee will be deducted from the loaded amount.

Features of the Woolworths Reloadable Prepaid MasterCard

  • Safe shopping on the internet. This card is protected by the MasterCard’s Zero Liability policy, so if you’re shopping online you’re not liable for any unauthorised transactions if you can prove that you didn’t make the transactions.
  • Safer than cash. A signature or PIN is required for this card. If you lose your card, you can request from Woolworths Money to cancel and replace the card.
  • Competitive fees. This card isn’t linked to a transaction account, so you can save on account maintenance fees.
  • Free withdrawals from ANZ ATMs. You can withdraw funds from an ANZ at no charge and there are no over the limit fees. Withdrawal limit of $2,000.
  • Convenient. You reload the card at Woolworths Supermarkets stores. You can also load funds using BPAY or Direct Debit.
  • MasterCard PayPass. Tap and Go with your purchases with MasterCard’s PayPass Technology.
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318 Responses to Woolworths Everyday Money Reloadable Prepaid MasterCard – Rates and Fees

  1. Default Gravatar
    Jen | April 15, 2016

    Hi I have a reloadable MasterCard & everytime I try to log in the Everyday Money website to check my balance & transactions, it says I am not authorized to access the requested page. Please help me. :(

    • Staff
      Anndy | April 15, 2016

      Hi Jen,

      Thanks for getting in touch.

      Please note that finder.com.au is a financial comparison and information service and is not Woolworths.

      You may want to directly contact Woolworths’ customer service team on 1300 10 1234 to help solve your log-in problem.

      Cheers,
      Anndy

  2. Default Gravatar
    Santa | April 12, 2016

    Can one switch off this paywave/paygo/paypass stuff on these reloadable cards (coles), as it is inherently unsafe? Or maybe at least make the money that’s on the card unavailable for these services no one should really use? On the latter, some have even drilled a little hole through the chip, to disable the paypass stuff, will this effect the workings of the card or is the magnetic strip sufficient?

  3. Default Gravatar
    Cass | April 10, 2016

    Hi I’m buying something online and it’s asking me for ‘name on card’ using only digits, what is the name on the Woolworths card? Most people said it was just your own name but this website wants a name using only digits, I don’t know what it is.

    • Staff
      Sharon | April 12, 2016

      Hi Cass, thank you for getting in touch.

      Please note that you have come through finder.com.au, an online comparison service and is not directly connected to Woolworths.

      It would be best to contact the shop’s customer support team directly to ask for assistance with regards to your concern in purchasing a product online.

      Thanks,

      Sharon

  4. Default Gravatar
    Scott | January 17, 2016

    Question.

    This reloadable prepaid mastercard opened up a whole new world of opportunities for this credit card-less man. I was naturally disappointed to find out a few months ago, second hand, that they were not going to issue these cards any more. I figured that well I’ll just continue to use it until it expires and then find an alternative and I have been doing just that.

    Strange thing is, I just got a letter last week, thanking me for renewing my reloadable prepaid card and it had a new card attached to it and this one expired in 2018.

    For one thing, I didn’t renew it, I mean I would have loved to but I didn’t believe you could because they weren’t issuing them anymore as of may last year.

    For another thing, when I logged into my reloadable prepaid account an hour ago, it said I wasn’t authorized to access it.

    Has their system confused itself? Sending me a new card that they no longer honour so it doesn’t work and now it’s locked me out of my account leaving me unable to use my original card with about 2 weeks left before it expires in February ’16?

    Cheers!

    Scott

    • Staff
      Ally | January 22, 2016

      Hi Scott,

      Thanks for reaching out.

      Kindly note that you have come through to finder.com.au, an online comparison service that does not represent any provider such as Woolworths.

      Nonetheless, you are right about Woolworths Everyday Money Reloadable Prepaid MasterCard being no longer available in the market, as you may find it indicated on the disclaimer at the top of this page. However, we’re not sure either as to why you’ve been issued with another card and yet you can’t access your account.

      You may wish to contact Woolworths directly on 1300 10 1234 to discuss this matter.

      I hope this has helped.

      Cheers,
      Ally

  5. Default Gravatar
    Michael | January 12, 2016

    Hey since the reloadable prepaid mastercard is not available for purchase anymore what happens to my card when it expires in july this year , will i get a new card

    • Staff
      Sharon | January 12, 2016

      Hi Michael, thanks for your inquiry!

      Unfortunately this card is not offered since the 08/05/2015 and is not available for renewal. You may like to refer to the following link for a list of other debit cards.

      Cheers,

      Sharon

    • Staff
      Sally | January 12, 2016

      Hello Michael,

      Thanks for your question.

      As the card is no longer available, you won’t receive a replacement when it expires. Instead, you’ll need to swap to another card.

      You may wish to contact Woolworths directly on 1300 10 1234 to discuss your options.

      I hope this has helped.

      Cheers,

      Sally

  6. Default Gravatar
    Louise | August 15, 2015

    Hi, I have deposited money onto the reloadable prepaid master card and I want to withdraw it.
    I tried to do this at an ANZ Atm however, it kept declining saying that my PIN is incorrect. I have already changed my PIN but it keeps declining. I’ve changed it twice now but no luck.
    Are there any other options to transfer money from this account to another? Any suggestions?
    Thanks.

    • Staff
      Sally | August 17, 2015

      Hi Louise,

      Thanks for your inquiry.

      Just to confirm, you have come through to finder.com.au, not Woolworths. You may wish to contact the Woolworths Money customer service team to confirm your PIN and the options for transferring your money.

      I hope this has answered your question.

      Thanks,

      Sally

  7. Default Gravatar
    Lily | June 18, 2015

    Hello, I am trying to make a purchase online via Steam. I know I have sufficient funds in my account however it is telling me I don’t; ‘Your purchase has not been completed. Your credit card information has been declined by your credit card company due to insufficient funds in the account.’
    Is there a waiting period? I loaded money on the card at Big W over 3 hours ago, and when I login to my account the money is there.
    Thanks in advance.

    • Staff
      Jonathan | June 19, 2015

      Hi Lily, thanks for your inquiry!

      If the funds have been cleared on your Reloadable Prepaid MasterCard then transactions may be paid for using the funds. Reasons to why the merchant you are transacting with is prompting insufficient funds may be due to a delay. It may be ideal to contact your funds issuer to guarantee the funds have completely cleared.

      I hope this helps,

      Jonathan

  8. Default Gravatar
    Simone | June 9, 2015

    I’ve forgotten my PIN number for my reloadable MasterCard, how can I check my balance?

    • Staff
      sally.mcmullen@hiveempire.com | June 10, 2015

      Hi Simone,

      Thanks for your question.

      You can check your balance by logging into your Woolworths Everyday Money account using your username and password.

      If you have forgotten your PIN, you may wish to contact the Woolworths Money customer service team to confirm your PIN.

      I hope this has answered your question.

      Thanks,

      Sally

  9. Default Gravatar
    Peter | June 1, 2015

    I am trying to complete a transaction of $35.00 via my MasterCard debit card but I am repeatedly being told that the card will not make the payment to BPAY even though I deposited a further $20 today to make sure that I had sufficient funds.
    Please examine my account and tell me why and what I need do to complete the purchase?

    Thank you

    • Staff
      sally.mcmullen@hiveempire.com | June 1, 2015

      Hi Peter,

      Thank you for your question.

      Just to confirm, you have come through to finder.com.au, not MasterCard. As mentioned in the Product Disclosure Statement, due to transaction processing procedures, value
      loaded using BPAY® will generally take up to four days to appear on your card.

      Therefore, your card may currently have insufficient funds to complete the transaction and you should have access to the funds over the next few days.

      I hope this has answered your question.

      Thanks,

      Sally

  10. Default Gravatar
    leslie | May 10, 2015

    My son has just given me a pre-paid Woolworth’s mastercard for mother’s day. How can I use this card in store without a pin number. Stores do not accept signatures on cards now.

    • Staff
      Jonathan | May 11, 2015

      Hi Leslie, thanks for your inquiry!

      The prepaid Woolworth’s MasterCard comes standard with a PIN number for in-store purchases. The PIN must be used in order to complete the purchase.

      Cheers,

      Jonathan

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