ANZ Travel Card - Travel & foreign exchange

ANZ Travel Card is a reloadable prepaid Visa card available over the counter in Australia to both ANZ and non-ANZ customers. It has been specially designed to give you convenient access to your own money - in the currency of your choice - while you’re travelling.

Purchase an ANZ Travel Card and you can lock in your exchange rate and load your card with one of the currencies listed below. That way, if the currency of the country you are travelling in is the same as the currency loaded on your card, you will no longer need to worry about fluctuating exchange rates while you travel.

The ANZ Travel Card is PIN protected, and is accepted electronically at over 24 million locations worldwide wherever VISA is accepted – including shops, car rental companies, travel agents and Visa-enabled ATMs*.

Available in 6 popular currencies:

• United States Dollar (USD)
• Euro (EUR)
• Great British Pound (GBP)
• New Zealand Dollar (NZD)
• Canadian Dollar (CAD)
• Hong Kong Dollar (HKD)

You can use your ANZ Travel Card to withdraw cash from Visa-enabled ATMs or make purchases wherever Visa is accepted electronically.

When you make a purchase with your ANZ Travel Card:

1. put the card through the merchant terminal
2. select the Credit ('CR') button (or the overseas equivalent) and press ENTER
3. the merchant will then request your signature or PIN for authorisation.

When you withdraw local cash from a Visa-enabled ATM:

1. put your card into any Visa-enabled ATM
2. enter your PIN
3. select the Credit ('CR') button (or the overseas equivalent)
4. get your cash

Selecting the Credit ('CR') button (or the overseas equivalent) on Visa-enabled ATMs or merchant terminals gives you access via the Visa network to the stored value on your ANZ Travel Card.

• Convenience - The ANZ Travel Card can be purchased over the counter at any ANZ branch in Australia, with no credit check required*.

• Locked-in exchange rate - You can lock in the exchange rate for your chosen currency at the time of purchase so, if you are paying with the same currency as that loaded on your card, you will no longer need to worry about exchange rate fluctuations while you travel.
• It’s prepaid – load up to approximately AUD 15,000 on your card. Different maximum limits apply for each currency available (NZD 20,000, USD 15,000, GBP 8,000, EUR 12,000, CAD 17,000, HKD 110,000).
• Worldwide ATM access to withdraw cash in local currency (through any Visa-enabled ATM).
• No ANZ transaction fee for purchases in-store or online. Fees and charges apply. Please refer to the ANZ Travel Card – Product Disclosure Statement for full details.
• Accepted electronically at over 24 million locations worldwide where Visa is accepted electronically.
• Backup card is issued at no extra cost, in case you lose your primary card.
• PIN-protected for your security – each card has a separate PIN so, if you lose your primary card, your backup card will still work.
• Reloadable in Australia or while overseas using BPAY^® via internet or phone banking (Note: maximum of 2 reloads per day and a 1.1% fee per reload applies. Reloads via BPAY^® take up to 4 business days to process).
• Online access to your card balance and transaction history at anzfx.com or by calling 1800 094 003 (in Australia) or +613 9683 7777 (if overseas).

The ANZ Travel Card is similar to a debit card because the amount you can spend depends on the amount of stored value on your card. It can be used for both purchases and cash withdrawals anywhere Visa is accepted electronically, but unlike a debit card, the ANZ Travel Card is not linked to a bank account. The ANZ Travel Card is a specialised travel money product that you can load with foreign currency and convert back to Australian dollars (at the applicable exchange rate) when you complete your travels.

Both the ANZ Travel Card and Travellers Cheques let you lock in your exchange rate at the time of purchase. However, unlike Travellers Cheques, the ANZ Travel Card can be used at Visa-enabled ATMs worldwide, to make purchases at point-of-sale, is secured by a PIN and can be reloaded.

Your ANZ Travel Card is PIN protected (for ATM transactions and some purchases) and for security is not linked with other of your bank accounts. This means better protection of your money if your ANZ Travel Card is ever lost or stolen.

You are also issued with a backup card, which has a separate PIN from your primary card. That way, if one of them is lost or stolen, you still have access to your money.

When you purchase an ANZ Travel Card, you get two cards: a primary card and a backup card at no extra cost, for added security. If you lose your primary card while you’re overseas, you can still access your money with your backup card (which has a different PIN). The backup card is only used in the event that your original card is lost, stolen or damaged. You must not provide either your primary or backup card to any other person for their use.

You can use the ANZ Travel Card all over the world, wherever Visa is accepted electronically, to make purchases and withdraw local money regardless of what currency is stored on your ANZ Travel Card.

For example, John is travelling to Thailand, he purchases a US dollar (USD) ANZ Travel Card and loads the equivalent of AUD$4000. He can withdraw Thai Baht (THB) from Visa-enabled ATMs whenever he needs local cash and can make purchases using the card. Even though the local currency (THB) is different to the currency of John’s card (USD), there is no additional ANZ fee or charge for this service on the card, however, each transaction in Thailand will be subject to an exchange rate conversion - the amount of his transaction will be converted from the local currency (THB) to the currency loaded on the ANZ Travel Card (USD) using a wholesale exchange rate selected by Visa on the day of the transaction (in addition to any other applicable fees or charges).

ANZ ATM withdrawal Fees

• USD 2.20
• GBP 1.25
• EUR 2.10
• NZD 3.50
• HKD 19.25
• CAD 2.80

Please note that some ATM operators may also charge you an additional fee that will be deducted from the balance on your ANZ Travel Card. Not all ATM operators advise of this additional fee or the amount of the fee before you withdraw money from their ATM.

Other fees and charges may apply to your use of the ANZ Travel Card.

Please refer to the ANZ Travel Card Product Disclosure Statement (PDF 228kB) for further details.

Other fees and charges may apply to your use of the ANZ Travel Card, as described below:

Please refer to the Product Disclosure Statement (PDF 228kB) for further details.

To purchase an ANZ Travel Card, simply visit your nearest ANZ branch or ANZ Foreign Exchange Centres within Australia (including Melbourne and Sydney International Airports). Cards are issued over-the-counter at the time of purchase and are ready for use within 5 hours.

Please note: Federal Government legislation requires ANZ to verify the identity of all ANZ Travel Card holders. If you are not already a current ANZ account holder, you must complete ANZ’s Customer Identification Process.

Please note: If you attend a 'Sales Only' or 'In Centre' branch, you will need an ANZ account or a credit card that is accepted by ANZ in order to be able to purchase an ANZ Travel Card.  For all other locations that sell ANZ Travel Cards, you can use cash.

When you purchase an ANZ Travel Card, no activation is required. Your card is automatically activated within five hours of purchase.

To reload your card - you have 2 options:

1. You may reload via BPAY^® via Internet or Phone Banking
   Please use BPAY Biller code 25700 and your 16-digit card number as the Customer Reference Number. BPAY reloads will take up to four business days to be processed.
2. You may reload by visiting one of our ANZ Foreign Exchange Centres within Australia.

There is a maximum of 2 Value loads per day and a maximum value reload of AUD 10,000 per day. A reload fee of 1.1% of the value purchased will apply to every reload.

Please note that minimum and maximum value reload limits apply for each currency¹. There are also limits on the amount of Stored Value that may be held on the card at any one time. See Q22 ‘What are the limits applicable to the ANZ Travel Card?’ below and your Product Disclosure Statement for details.

A PIN is allocated to you when you purchase an ANZ Travel Card, but you can change it to make it more meaningful to you. You can do this either online via anzfx.com or by calling ANZ Travel Card Customer Service on 1800 094 003. Please have your card details and Security Code on hand. For security reasons, you should not change your PIN to be the same number as your Security Code.

If you forget your PIN, you must phone ANZ Travel Card Customer Service on 1800 094 003 or +613 9683 777 (if overseas) to retrieve it. Please note, you will be required to provide your card details and Security Code at this time.

Your Security Code is not the same as your PIN. Your Security Code is the four-digit number you nominated by you at the time of purchasing your card and is used to identify you when logging into My Account and when you call ANZ Travel Card Customer Service.

Your PIN (Personal Identification Number) is a unique four-digit number that is used to make cash withdrawals from ATMs and when making purchases at some merchants, which is allocated to you when you receive your cards.

Your primary card and backup card have different PINs.

Please note: You may change your PIN as outlined in Q14 'Can I change my PIN' but you cannot change your Security Code. For security reasons, you should not change your PIN to be the same number as your Security Code.

The ANZ Travel Card enables you to access your own money across the globe; wherever Visa is accepted electronically. You obtain the convenience of being able to instantly access your cash 24 hours a day via Visa's global network from over 24 million Visa merchants, plus over one million Visa ATMs worldwide in over 150 countries. This offers you the ability to use your ANZ Travel Card to make purchases in store or to get cash out through an ATM.

Please note that the card cannot be used in countries subject to economic and/or trade sanctions. Some governments may also have government restrictions on currencies you can use. At the time of writing, the card cannot be used in Cuba, Iran, Syria, Sudan, North Korea or Burma (Myanmar) but please make sure you also check with the embassy of the country you plan to visit for any restrictions that may apply.

If no transaction is made on the card for more than 12 consecutive months (prior to your card’s expiry date), a monthly inactivity fee will begin to apply, as described below:

• USD 3.00
• EUR 2.50
• GBP 1.50
• NZD 4.00
• HKD 22.00
• CAD 3.40

Please refer to the Product Disclosure Statement (PDF 228kB) for more details.

No paper statements are issued however while your card is active you can view (and print out) your transaction history and card balance online at any time by logging on to My Account at this site anzfx.com. Alternatively, you can hear your transaction history and card balance by calling ANZ Travel Card Customer Service on 1800 094 003 in Australia or when overseas call +613 9683 7777 (call costs apply).

If there is money left on your card when you return home, you can either continue to use it, keep it for your next trip, or close the card and redeem the remaining balance. Surplus funds will be converted back to Australian dollars and credited to a nominated account by visiting any ANZ branch or ANZ Foreign Exchange Centre in Australia and completing an ANZ Travel Card Closure Form. The exchange rate used is the rate displayed on anz.com as being the rate at which ANZ buys Travellers Cheques and Travel Card in the Stored Value currency that is applicable on the day we receive your ANZ Travel Card Closure Form (provided there are no outstanding disputes or transactions to settle).

If no transaction is made on the card for more than 12 consecutive months (prior to your card’s expiry date), a monthly inactivity fee will begin to apply.  Please see Q19 ‘What is the monthly inactivity fee?’ for more details.

You will need to make sure you redeem any remaining balance on your card or transfer your card balance to a new card in the same currency within the applicable time limits. Please see Q18 ‘How long can I use the card for?’ above for details.

For further details,  please refer to the Product Disclosure Statement (PDF 228kB).

There are limits to the amount of Value you may withdraw as cash or spend on purchases within a 24 hour period, as described below. 

When using your card at certain types of merchants (particularly hotels and car rental agencies), a pre-authorisation of the transaction amount may be required. This means that the merchant may obtain an authorisation of the estimated purchase amount. Some merchants may not accept the card for pre-authorisation expenditure.

Please note: If the card is accepted, the pre-authorisation is not a charge, but simply a 'hold' over the funds on your card. The full amount of the estimated purchase value will be withheld from the available balance of the card until the authorisation is released. After your final bill is paid it may take 7 days before the pre-authorised amount is available on your card balance again.

You must report the lost or stolen card by immediately calling ANZ Travel Card Customer Service so we can cancel the lost or stolen card for you. If you find the missing card after reporting it, you will not be able to use it and will need to cut it diagonally through the magnetic strip.

If you lose your primary card, you can still access your money using your backup card.

If you lose both cards overseas, we can issue you with emergency replacement cards while you are away. A card replacement fee of AUD 35 may apply. Please refer to the Product Disclosure Statement (PDF 228kB) for more details.

Tips for keeping your card safe

• Keep your primary and backup cards in different locations (e.g. one in your wallet and the other in your suitcase)
• Memorise your PIN(s) or change them to something you will remember easily but won’t be easy for anyone else to guess. Do not write them down or disclose them to others.

You can access your card balance, account information, transaction history and change your PIN online via anzfx.com, or over the phone (refer to Q27 ‘Who do I contact for help?’).

To access your information online, go to anzfx.com and follow these steps:

1. Enter your card number
2. Enter your CVV2 (last 3 digits on the back of your card)
3. Enter your Security Code (this is not your PIN but the four-digit number you nominated at the time of purchasing your card).

We are here to assist you 24 hours a day, 7 days a week.

ANZ Travel Card Customer Service:

Local phone: 1800 094 003 (freecall within Australia)

International phone: +61 3 9683 7777 (call costs apply)

Enquire online