global currency card

travel card

save
you money
that could

overseas smarts
Proudly supported by Westpac

Think local,
shop global
Introducing the Global Currency Card.
Its the re-loadable prepaid Visa card
that can be used to make payments
in multiple currencies either in person
or online, wherever Visa cards are
accepted. Its the simple, secure and
convenient way to shop, whether
online or overseas.

The Global Currency Card is issued by Cuscal Limited ACN 087 822 455
AFSL 244116. Westpac Banking Corporation ABN 33 007 457 141,
AFSL and Australian credit licence 233714 acts as the distributor of the card
only. The balance of any funds on the card are held by Cuscal and Cuscal is
responsible for settling transactions but may outsource these functions to
service providers.

Global Currency Card

at a glance
Second back-up card at no extra charge
Choose from 11 different currencies
Manage up to 5 different currency wallets at once
Visa Prepaid just load the amount you wishtospend
24/7 phone customer service assistance
24/7 emergency assistance for lost or stolencards
Manage your card on the go via the iPhone or Android app

Certainty

You can use your card in up to 5 out of 11 different

currencies at any time, locking in the exchange
rate when you load funds onto your card.

Savings

Avoid paying additional foreign exchange fees

when you make purchases in the same currency
as the item on sale as long as you have sufficient
funds loaded in that currency on your card. Youll
also pay no transaction fees on your purchases
when you make purchases in a currency loaded
on your card.1

Security

Your money is protected by Chip and PIN card

security, and includes the protection of Visa Zero
Liability Policy, protecting you from any fraudulent
charges or unauthorised purchases.2

Convenience

Use your card wherever Visa is accepted at over

2 million locations worldwide. Plus, if you ever
lose your card, you can simply cancel it and start
using your back-up card.

Your money where

you want it
The Global Currency Card allows you to take control of your money.
The card comes with Chip and PIN security and you pay no
transaction fees when you make purchases in a currency loaded on
your card.1
So whether youre buying a pair of shoes in a Paris boutique,
getting cash for the bus in Seattle or ordering from an online store
at home, you can lock in your foreign exchange rates when you
load funds onto your card.
Available currencies
You can load your card with up to 5 different currencies from these
11 available options.

Australian Dollars (AUD)

US Dollars (USD)

Hong Kong Dollars (HKD)

Canadian Dollars (CAD)

Euros (EUR)

Japanese Yen (JPY)

Great British Pounds (GBP)

New Zealand Dollars (NZD)

South African Rand (ZAR)

Thai Baht (THB)

Singapore Dollars (SGD)

A world of security
As a Visa Prepaid card, your Global Currency Card gives you
the following benefits:
Use your card wherever Visa cards are accepted around
the world.
Emergency assistance available 24/7.
Use ATMs worldwide to withdraw cash from your preloaded
currency wallets. Fees may apply.
Chip and PIN security for protection.
Visa Zero Liability, protecting you from fraudulent charges or
unauthorised purchases.2
Access to emergency funds may be arranged if you lose both
your cards.

Ready to load your card?

Online Banking
Transfer funds via Online Banking. Your money will usually be
available within 1 business day.
BSB: 037-879
Account Number:
The 9-digit number located on the website
www.westpac.com.au/globalcurrencycard
Or
Bpay
Use your financial institutions internet (or phone) banking service
to pay money into your cards Australian dollar wallet via BPAY. You
will then need to go online and transfer your funds into the foreign
currency wallets you want to use.
Bpay Biller Code: 208637
Customer Reference Number:
The 13-digit number on the back of your card
Bpay transfers can take up to 3 business days to appear on
your card, so make sure you allow plenty of time. Your financial
institution may charge transaction fees for Bpay reloads.
Or
Westpac Branches
You can deposit funds into your cards Australian dollar wallet at
any Westpac branch using cash (Australian dollars). Your money
will usually be available on the same day. The branch will be able to
load different amounts directly into your foreign currency wallets
for you, or you can just reload your AUDwallet then go online and
move the funds toyour other wallets later.

Card transaction limits

Minimum initial load amount

AUD 100

Minimum reload amount

AUD 50

Maximum daily load amount

AUD 25,000

Maximum initial load and reload

using Online Banking via Transfer
Funds

AUD 25,000

Maximum initial load and reload

via Bpay

AUD 6,000

Maximum initial load and reload

amount at a Westpac branch

AUD 25,000

Maximum balance allowed at any

one time on the card

AUD 50,000 or foreign

currency equivalent

Maximum amount you can

withdraw from ATMs in 24 hours

AUD 2,000 or foreign

currency equivalent or
the withdrawal limit (if
any) set by the ATM
operator (whichever
limit is lower)

Maximum value of POS/EFTPOS

transactions in 24 hours

AUD 8,000 or foreign

currency equivalent

Maximum value of ATM withdrawal

in single transaction

AUD 2,000

Maximum aggregate credits during

any 12 month period

AUD 100,000

Maximum value of POS/EFTPOS

or online purchase in single
transaction

AUD 8,000

Note: Merchants or other providers

of facilities may impose additional
limits for POS/EFTPOS transactions

Managing your card

Managing your account
Weve made it easy for you to manage your money from anywhere,
at any time.
Simply visit the website at
www.westpac.com.au/globalcurrencycard where you can:
Check your balances
Transfer money between your currency wallets
Review your past purchases
Change your PINs
Check up to the minute exchange rates
Managing your card on the go
When youre on the go, simply download the Westpac Global
Currency Card app from the App Store or Google Play.
You can:
Check your balance
View your latest transactions
Transfer money between your currency wallets

Managing your currencies

You can reload your Global Currency Card with up to 5 different
currency wallets.
If you set up a US dollar wallet, for example, when you buy
something in US dollars the money will come out of your USD
wallet. Its that simple.
If theres not enough money in the USD wallet, we will draw the
funds from one or more of your other wallets so you can complete
your purchase. Foreign exchange rates will apply when you need
to draw funds from additional wallets.

If you shop in a currency we do not support, the funds will be

drawn from your AUD wallet. If your AUD wallet does not have a
sufficient balance, we will draw funds from your other wallets so
you can complete the purchase. Foreign exchange rates will apply
when you need to draw funds from additional wallets. A Foreign
Exchange Fee will be charged when you shop in a currency that is
not supported by your wallets.
Using ATMs
You can check your card balance and withdraw cash from ATMs
around the world.
You will pay no fee for balance enquiries orwithdrawals when
you use:
Westpac Group ATMs in Australia
(Westpac, St.George, Bank of Melbourne and BankSA
brandedATMs)
Westpacs Global Alliance Partners ATMsaround the world.
(You will find a full list of these partners
atwww.westpac.com.au/globalcurrencycard)
If you use a non-Westpac Group ATM in Australia and non-Global
Alliance ATM overseas, fees will be applied as set out in the
Product Disclosure Statement.
Your complimentary back-up card
Your back-up card is linked to the same card (and foreign currency
wallet) balances as your primary card, but has a separate card
number andPIN.
So if your primary card is ever lost, damaged or stolen you can
simply call us to cancel it and carry on using the back-up card in
its place.
It gives you the assurance that you wont be left in the lurch if
something happens to your primary card. However, if you do
happen to lose both your cards we can help you access emergency
funds. Fees and charges will apply to emergencyfunds.

Global Currency Card Fee Guide

Amounts shown in AUD and inclusive of GST
Buying your Global Currency Card at a
Westpac Branch

$10

Buying your Global Currency Card via

Westpac Online Banking

FREE

Initial Funds Load fee payable when the card is

issued and loaded at a Westpac branch

FREE

Initial Funds Load fee payable when the card is

issued through Westpac Online Banking
When load is made at a Westpac branch

1% of AUD
value loaded up
to maximum $10

When load is made through Westpac Online

Banking via BPAY or Transfer Funds

FREE

Loading your Card for the first time

FREE

Reloading your Card

1% of total
amount up to
$10 max per
reload

Making a purchase in the same currency as loaded

onto your card

FREE

Foreign Exchange Fee - payable wherever a card

is used for a transaction in a currency other than a
supported currency

3% of the
transaction
amount

ATM Cash withdrawal in Australia when using a

Westpac Group ATM (includes Westpac, St.George,
BankSA and Bank of Melbourne)

FREE

ATM Balance Enquiry in Australia when using a

Westpac Group ATM (includes Westpac, St.George,
BankSA and Bank of Melbourne)

FREE

Overseas Cash withdrawal using a Westpac Global

Alliance ATM

FREE

Overseas Balance Enquiry using a Westpac Global

Alliance ATM

FREE

Please refer to the Westpac Global Currency Card Product Disclosure

Statement for more information on all fees and charges that apply.

Global Currency Card Fee Guide

Amounts shown in AUD and inclusive of GST
Cash withdrawal using a non-Westpac ATM or
non-Westpac Global Alliance ATM

AUD USD
2.00 2.00
EUR
2.00

GBP
1.50

NZD CAD
3.00 2.50

HKD SGD JPY

15
3.00 200
Note: some ATM operators may charge you a direct
fee when you use a non-Westpac Group ATM

THB
75

Balance Enquiry using a non-Westpac ATM or

non-Westpac Global Alliance ATM

AUD USD
2.00 2.00
EUR
2.00

ZAR
20
GBP
1.50

NZD CAD
3.00 2.50

HKD SGD JPY

15
3.00 200
Note: some ATM operators may charge you a direct
fee when you use a non-Westpac Group ATM
Customer Services such as checking your
CardBalance or Transaction History via:
Westpac Mobile App3
Customer Service Centre
Replacement Card

THB
75

ZAR
20

FREE

$15

Emergency Funds
If amount sent is up to $500 (AUD)
If amount sent is over $500 up to $1,000 (AUD)
If amount sent is over $1,000 up to $2,000 (AUD)
If amount sent is over $2,000 up to $3,000 (AUD)

$15.00
$20.00
$25.00
$30.00

Westpac will endeavour to arrange for Western

Union to deliver emergency cash services to you.
Costs quoted by Western Union will be debited
against your Available Balance in addition to the
amount that you have requested to be transferred.

3. Data charges may be applied based on your mobile phone service provider.

Frequently asked questions

Is the Global Currency Card a credit card?
No, it is a Visa Prepaid card, so you need to load money onto your
card before you can use it. When you make a purchaseor get
cash from an ATM, the amount is deducted from your preloaded
balance.
How can I load or reload the card?
You use Bpay or Transfer Funds via your financial institutions
internet banking service or visit any Westpac branch and use
Australian dollarscash.
Can I use the card at ATMs?
Yes, most ATMs will support balance enquiries and cash
withdrawals. The balance displayed at the ATM will be in the
currency of the country you are visiting and there are no cash
advance fees on the Global Currency Card.
Will I be charged for using an ATM?
As long as you use Westpac Group ATMs in Australia, and Global
Alliance ATMs overseas, you will pay no fees. IfyouuseanonWestpac Group ATM in Australia and non-Global Alliance ATMs
overseas, fees will be applied as setoutinthe Product Disclosure
Statement.
Can I use foreign currencies to load the card?
No, only Australian dollar amounts can be transferred onto
your card.
What if I have money left on the card when I return
from my trip?
You can keep using your card in Australia to either shop online or
make fee-free cash withdrawals from any Westpac GroupATM. If
you want to transfer your foreign funds back into Australian dollars,
simply go online or call our CustomerService Centre.
What happens when the card expires?
Your cards Expiry Date is printed on the front of your card. You
can choose to close your card and have the remaining balance
returned to you. In order to receive your remaining balance
complete the closure form by calling1300 797 470. Westpac can
transfer any remaining balance into Australian dollars and pay it
into whatever Australian bank account younominate.

10

What if I need to dispute a transaction?

If you suspect an error in your transaction history, please ask us
about lodging a dispute form, or log into the website.
Will I receive statements for my Global Currency Card?
We will send you an email to tell you when a statement is available.
Statements showing your transactions are available onour website
www.westpac.com.au/globalcurrencycard
What if I need assistance with my Global Currency Card?
If you need assistance to activate your card, change your PIN or
report a lost or stolen card, you can call the Customer Service team:
Within Australia:
1300 797 470 (local call cost)
Outside Australia:
+61 2 9374 7102 (standard call charges apply)

More travel essentials

Westpac has many other ways to help you enjoy asmooth trip.
Need travel insurance?
If youre heading overseas for business or leisure, we can help you
organise your travel insurance before you go.
We can help with:
Holiday Travel Insurance to cover a single trip within Australia
or overseas
Frequent Traveller Insurance to cover unlimited trips in one
year within Australia or overseas. (Covers up to 90 days for any
onejourney)
Arrange online at www.westpac.com.au/travel
Call us on 1800 805 458, or ask in branch today

11

Were here to help

Online
www.westpac.com.au/globalcurrencycard
Customer Service Centre
From within Australia:
1300 797 470 (local call cost)
From outside Australia:
+61 2 9374 7102 (standard call charges apply)

1. A foreign exchange fee is payable on purchases made in a currency that is not

supported by the Global Currency Card.
2. Visa Zero Liability Policy covers Australian and New Zealand issued cards and
does not apply to ATM transactions, transactions not processed by Visa, or
certain commercial card transactions. Cardholders should notify their issuer
promptly of any unauthorised Visa use. Please consult the card issuer for
additional details.

12

ciao
at logo
hasta luego

Things you should know

Information is current as at 23 February 2015. You must be at least 16 years old
and have an Australian residential address to be eligible for this product. You
should read the Westpac Global Currency Card PDS available at westpac.com.
au before making a decision and consider whether the product is appropriate
for you. This information does not take into account your personal objectives,
financial situation or needs and you should consider its appropriateness having
regard to these factors before deciding to acquire this product. Terms and
Conditions, fees and charges apply. This information has been prepared by
Westpac Banking Corporation ABN 33 007 457 141, AFSL and Australian credit
licence 233714 (Westpac). Westpac distributes this product. Rev Australia
Pty Ltd ACN 117 378 953 AFSL 401610 manages the Westpac Global Currency
Card product for Cuscal Limited ACN 087 822 455 AFSL 244116, an authorised
deposit-taking institution and a member of Visa International. Cuscal Limited
is the product issuer but does not take deposits from you. Westpac is not
responsible for and does not guarantee this product or card or your ability to
access any prepaid value or the use of this product or card.
Holiday Travel and Frequent Traveller Insurance is issued by AAI Limited ABN
48 005 297 807 trading as Vero Insurance and arranged by Westpac Banking
Corporation ABN 33 007 457 141 (the Bank). The policy is subject to conditions,
limits and exclusions on cover, which are explained in the policy wording. No
Westpac Group company (other than the Bank as policy arranger) has any
liability in connection with the policy or this information. Neither Westpac
nor any other member of the Westpac Group guarantees the insurance or
is responsible for payments under the policy. The insurance is subject to
conditions, limits and exclusions on cover, which are explained in the applicable
Product Disclosure Statement (PDS). Before making a decision about any
insurance product, you should consider the applicable PDS and whether it is
right for you.
Obtain a copy of the PDS online at westpac.com.au/travelinsurance
Internet connection is needed to access the Westpac Global Currency Card app.
Normal mobile data charges apply. We support Apple iPhone iOS 6 and above
and Android 2.3 and above. Apple, the Apple logo and iPhone are trademarks
of Apple Inc., registered in the U.S. and other countries. App Store is a service
mark of Apple Inc. Android is a trademark of Google Inc.
BPAY is Registered to BPAY Pty Ltd ABN 69 079 137 518.

Ready to go?
You can purchase your Global Currency Card
at any Westpac branch, right now.
You dont even need to be a Westpac
customer, aslong as you have an Australian
residential address, are 16 years or older
and can meet Westpacs identification
requirements which can be found at
www.westpac.com.au/identification.
You will be asked to sign your cards as
soon asyoureceive them, then activate
your account and set up your PINs online at
www.westpac.com.au/globalcurrencycard.

See inside for more details.

2015 Westpac Banking Corporation ABN 33 007 457 141 AFSL and Australian credit
licence 233714.
CC1004 (02/15) 429632