ANZ Travel Card - Travel & foreign exchange

ANZ Travel Card is a reloadable prepaid Visa card available over the counter to both ANZ and non-ANZ customers. It has been specially designed to give you more 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.

The ANZ Travel Card is PIN protected, and is accepted at over 24 million locations worldwide – 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 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, with no credit check required.
• Locked-in exchange rate - You can lock in your value at the time of purchase so, if you are paying with the same currency as that loaded on your card, you won’t be subject to exchange rate fluctuations.
• It’s prepaid – load more than AUD 15,000 on your card. Different limits apply for each currency available (NZD 20,000, USD 15,000, GBP 8,000, EUR 12,000, CAD 17,000, HKD 110,000)
• World wide ATM access to withdraw cash in local currency (through any Visa-enabled ATM)
• No transaction fee for purchases
• Accepted electronically at over 24 million locations worldwide
• 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^®2 (maximum of 2 reloads per day reload fee applies)
• Online access to your card balance and transaction history at www.anzfx.com or by calling 1800 094 003 (freecall) in Australia or +613 9683 7777 (call costs apply) if overseas.

No money is stored on your card, nor is it linked to your bank account. This means better protection of your money if your 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.

Advanced fraud detection software is also used to help to protect you and your money.

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 then withdraw Thai Baht from Visa-enabled ATMs whenever he needs local cash and to make purchases, and he can reload his card easily over the phone or Internet (via BPAY®) while away.

When the local currency is different to the currency of your card, you will not incur any additional fees or charges, however, you will be subject to an exchange rate conversion - that is the amount of your transaction will be converted using a wholesale exchange rate selected by Visa on the day (you will see this on your online transaction history).

How much money you will need depends on how long you will be staying overseas and what your expenditure will be (Refer to Q22 for Travel Card limits).

As a guide, here are some budget considerations:

• hotel accommodation
• meals (including tips)
• cab/taxi charges (to and from airport)
• public transport costs
• entry to tourist attractions, galleries and museums
• shopping for souvenirs and gifts
• attending concerts and shows
• emergency money.

ANZ Travel Card is available at ANZ branches and ANZ Foreign Exchange Centres (including Melbourne and Sydney Airports). 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.

To purchase a card, you can use cash, credit card (issued by a financial institution with a presence in Australia) or pay from selected ANZ accounts. You can also use EFTPOS to purchase an ANZ Travel Card from our Foreign Exchange Centres.

Note: At sales-only and in-centre branches, you may only purchase an ANZ Travel Card by using an ANZ account or a credit card which is accepted by ANZ.

You can reload your ANZ Travel Card online or over the phone while overseas via BPAY^® (from a transaction, savings or cheque account). Please allow up to 4 business days.

BPAY^® biller code: 25700
Customer reference number: Your 16-digit card number

You can reload your card by going to an ANZ Foreign Exchange Centre in Australia.

A 1.1% reload fee will apply and there is a limit of two value reloads per day. ^®Registered trademark of BPAY^® Pty Ltd ABN 69 079 137 518

Your Security Code is not the same as your PIN. Your Security Code is the four-digit number you nominated at the time of purchasing your card.

Your PIN (Personal Identification Number) is used to make cash withdrawals from ATMs, and 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 but you cannot change your Security Code. For security reasons though, you should not change your PIN to be the same number as your Security Code.

ANZ Travel Card can be used at more than 24 million locations worldwide, wherever Visa is accepted electronically. This includes making purchases in-store, online and over-the-phone, and to withdraw cash from Visa-enabled ATMs globally.

Please note: some countries (eg. Cuba) may have government restrictions on currencies you can use, so make sure you check with the embassy of the country you plan to visit for any travel restrictions.

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 it and redeem the outstanding balance by visiting any ANZ branch or ANZ Foreign Exchange Centre. Please note, however, that, if no transaction is made on the card for more than 12 months, a monthly fee will begin to apply (refer to Q19) and the card is only valid for up to three years (refer to Q18).

For further details, or to find out about claiming funds from an expired card, please refer to the Product Disclosure Statement (PDF 378kB).

Any funds left over 12 months after the ANZ Travel Card has expired will be forfeited.

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. 

Please note: this is not a charge, but simply a 'hold' over the funds. The full amount of the 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 30 days before the pre-authorised amount is available on your card balance again.

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

You must still report the lost/stolen card by calling the ANZ Travel Card Customer Service (refer to Q27) so we can cancel the 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 both cards, we can issue you with emergency replacement cards while you are away (please refer to the Product Disclosure Statement (PDF 378kB) for more details and applicable fees and charges).

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. Do not write them down or disclose them to others.

To access your information online, go to www.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 if overseas)

Enquire online