Woolworths Everyday Money Reloadable Prepaid MasterCard – Rates & Fees

Information verified correct on November 26th, 2015

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.

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

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’.
Back to top

Information about reloading the card

In person, this account can be reloaded at Woolworths Supermarkets or Big W 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.

Cash or EFTPOS at BIG W or Woolworths Supermarkets Immediate $2,000
Direct Credit – EFT from a bank account 2 business days $2,000
BPAY 4 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 or Big W stores. You can also load funds using BPAY or Direct Debit.
  • MasterCard PayPass. Tap and Go with your purchases with MasterCard’s PayPass Technology.

How to apply for the Woolworths Reloadable Prepaid MasterCard

Since this isn’t a credit card, it’s easy to apply. Your credit history won’t be checked, as well as your income.
There is no minimum age requirement.

You can get a card as long as you can provide proof of identity.

Identification requirements

Woolworths will need 100 points of identification before they issue a card. To make up 100 points of I.D provide:

  • A passport, birth certificate or citizenship certificate, driver’s licence, proof of age card, pension card, foreign driver’s licence or school attendance letter – these forms of identification count as 70 points. For applicants under the age of 18, one of the above forms of identification count as 100 points.
  • And things like a medicare card, a utility bill or an account bill (telephone or pay TV for instance) count as 30 points of identification. The product disclosure statement has a full list of identification requirements.
  • If you’re unable to provide proof of identity online, you’ll be requested to show your documents at your local Woolworths Supermarkets.
  • You’ll receive your PIN and card separately for security reasons, approximately 5-7 business days of verifying your ID.
  • When you receive your card, sign the back and load it with money when you’re ready to use it.
Back to top
Was this content helpful to you? No  Yes

Related Posts

Ask a Question

You are about to post a question on finder.com.au

  • Do not enter personal information (eg. surname, phone number, bank details) as your question will be made public
  • finder.com.au is a financial comparison and information service, not a bank or product provider
  • We cannot provide you with personal advice or recommendations
  • Your answer might already be waiting – check previous questions below to see if yours has already been asked

Disclaimer: At finder.com.au we provide factual information and general advice. Before you make any decision about a product read the Product Disclosure Statement and consider your own circumstances to decide whether it is appropriate for you.
Rates and fees mentioned in comments are correct at the time of publication.
By submitting this question you agree to the finder.com.au privacy policy, receive follow up emails related to finder.com.au and to create a user account where further replies to your questions will be sent.

308 Responses to Woolworths Everyday Money Reloadable Prepaid MasterCard – Rates & Fees

  1. 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?

    • 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.



  2. 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,


  3. 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.



  4. 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.



  5. 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.



  6. Default Gravatar
    trish | May 8, 2015

    I have a reloadable mastercard for 3 years now, which is due for renewing this month, i rang to get my new card but was told by WW they will not renew as stopping this type of card effective this month

    • Staff
      Jonathan | May 11, 2015

      Hi Trish, thanks for your inquiry!

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



  7. Default Gravatar
    | May 7, 2015

    Hi I’m traveling overseas soon mostly Ireland, Spain. I don’t want to carry much cash but also I’m apprehensive of putting all my money on the reloadable card in case the ATMs don’t work also if you say it should be fine,what option do I press with withdrawing money overseas credit or savings thank you

    • Staff
      Jonathan | May 8, 2015

      Hi Mia, thanks for your inquiry!

      Since the Woolworths Prepaid MasterCard is a reloadable facility, pressing savings or credit is eligible for cash withdrawals. Cash withdrawals from this card can be made from any ATM with the MasterCard logo.



  8. Default Gravatar
    Rajat | May 7, 2015

    The other day I put $35 on my card and bought a few things on Amazon, all of the purchases added up to about $27. Today I got a notification saying my purchase declined and I was wondering what is going on? What am I supposed to write in the section where it says “Name on card”? Please contact soon.

    Thank you.

    • Staff
      Jonathan | May 8, 2015

      Hi Rajat, thanks for your inquiry!

      The ‘Name on card’ section can be filled in using the full card number. You may also like to check your Woolworths Prepaid MasterCard balance by referring to the link I have sent to your email.



  9. Default Gravatar
    Wisan | May 6, 2015

    How do I check my balance via SMS it’s a reloadable MasterCard

    • Staff
      Jonathan | May 7, 2015

      Hi Wisan, thanks for your inquiry!

      Woolworths Prepaid MasterCard does not currently have an SMS facility for checking balances. Determining a card balance can be completed by going through the Woolworths Money website.



  10. Default Gravatar
    Carly | May 3, 2015

    What forms of identification can I use to get the card instead of a birth certificate or drivers license?

    • Staff
      Jonathan | May 4, 2015

      Hi Carly, thanks for your inquiry!

      The ID requirements for this card are as follows:

      -Drivers License, and
      -Australian Passport, or
      -Foreign Passport, and
      -Medicare Card



Credit Cards Comparison

Rates last updated November 26th, 2015
Cash advance rate (p.a.) Purchase rate (p.a.) Balance transfer rate (p.a.) Annual fee
St.George Vertigo Platinum
A platinum card with a low interest rate on balance transfers and purchases with a low annual fee.
21.49% p.a. 0% p.a. for 3 months (reverts to 12.74% p.a.) 0% p.a. for 20 months $99 p.a. Go to site More info
NAB Premium Card
Long term balance transfer offer with premium benefits such as travel insurance.
21.74% p.a. 0% p.a. for 15 months (reverts to 19.74% p.a.) 0% p.a. for 15 months $90 p.a. Go to site More info
HSBC Platinum Credit Card
Earn 1 Rewards Point per $1 spent plus a balance transfer offer. Access to Platinum benefits including personal concierge service, complimentary travel insurance and VISA Platinum reward program with $0 annual fee for the life of the card.
21.99% p.a. 19.99% p.a. 0% p.a. for 8 months $0 p.a. Go to site More info
Citi Rewards Credit Card - Classic Card
Earn up to 20,000 bonus points with 2 points for every dollar spent in the first three months. Also enjoy 0% p.a. on balance transfers for 12 months.
21.74% p.a. 20.99% p.a. 0% p.a. for 12 months $0 p.a. annual fee for the first year ($89 p.a. thereafter) Go to site More info
American Express Velocity Escape Card
Enjoy 7,500 bonus Velocity Points when you spend $300 within the first 3 months and up to 2.00 points for every dollar you spend, together with a $0 annual fee. Offer ends on 2 February 2016. Also, receive a low balance transfer rate of 0% p.a. for 12 months.
20.74% p.a. 0% p.a. for 12 months with 1% balance transfer fee $0 p.a. Go to site More info

* The credit card offers compared on this page are chosen from a range of credit cards CreditCardFinder.com.au has access to track details from and is not representative of all the products available in the market. Products are displayed in no particular order or ranking. The use of terms 'Best' and 'Top' are not product ratings and are subject to our disclaimer. You should consider seeking independent financial advice and consider your own personal financial circumstances when comparing cards.

Ask a question