Travel money card

Worldwide Wallet Maintenance – Important Update

We are aware that there are intermittent issues impacting some Worldwide Wallet customers and we are working to resolve this as a priority. We apologise for any inconvenience. If you need assistance, please get in touch.

Call 1300 797 470 or  +61 2 9155 7744  if calling from overseas (toll applies) for 24/7 Worldwide Wallet support.

A smart and safe way to pay in foreign currencies

Features and benefits

Travel and shop worry-free
Lock in your budget by converting your loaded AUD ahead of time and feel safe and secure from fraudulent transactions with Mastercard Zero Liability protection.¹
Lounge access if your flight is delayed
You and a companion can get access to over 1,000 lounges² if your flight is delayed for 120 minutes or more. Visit the Mastercard Flight Delay Pass website to pre-register your flight. T&Cs apply.
Access unforgettable experiences and rewards
Your Mastercard gives you access to Priceless^® Cities with unforgettable experiences in the cities where you live and travel.³ You can also get cashback when you shop overseas with your Worldwide Wallet, thanks to Mastercard Travel Rewards.⁴

Save on fees

Avoid ATM withdrawal fees
Through our Global ATM Alliance and overseas partner ATMs which you can easily find using the ATM locator in the Westpac App

No foreign transaction fees
Avoid a 3% foreign transaction fee whenever you use your Worldwide Wallet to shop online or in person.

No load or unload fees
Reload your account on the go, whenever you need.

No account keeping fees
You won’t pay any inactivity or account keeping fees, so any funds left in your account will be there ready for your next trip or purchase.

Other fees may apply. Read the Product Disclosure Statement (PDF 307KB) for full list of fees.

Like to shop online?

Use your Worldwide Wallet for online purchases in foreign currencies and avoid a 3% foreign transaction fee.

You can also shop worry-free from fraudulent transactions with Mastercard Zero Liability protection.¹

Complete visibility and control

All in one view

See your account balance and transactions in the Westpac App or in Online Banking.

Move money easily

Transfer money to and from your Worldwide Wallet and convert AUD into foreign currencies while you’re on the go in the Westpac App.

More ways to pay

Add your Worldwide Wallet to Google Pay™ or Samsung Pay™, or use your card to tap and go.

A spare card for peace of mind

Both cards give you access to the same funds and can be locked and unlocked instantly at your convenience via Online Banking or the Westpac App.⁶

Add up to 11 currencies

Lock in your rate head of time by converting currency in advance.

You'll still be able to spend in currencies not listed here and avoid Westpac's 3% foreign transaction fee.

To view our latest rates, see our currency converter.

Available currencies
	AUD - Australian Dollar		USD - United States Dollar
	EUR - Euro		GBP - British Pound
	NZD - New Zealand Dollar		CAD - Canadian Dollar
	JPY - Japanese Yen		THB - Thai Baht
	ZAR - South African Rand		SGD - Singapore Dollar
	HKD - Hong Kong Dollar

Changes to your Worldwide Wallet account

We recently told you about changes to your Worldwide Wallet. Here is a summary of the changes.

PIN number changes

If your PIN is longer than 4 digits, it has been shortened to the first 4 digits of your current PIN.

What this means for you

If your current PIN is already only 4 digits long, you don’t have to do anything.
If your current PIN is longer than 4 digits, only the first 4 digits will be used as your new PIN for transactions.

How do I update my PIN?

You can change your PIN via the Westpac App or Online Banking.

Change to payments using Samsung Pay™

You'll no longer be able to use your Worldwide Wallet from your Samsung Pay Digital Wallet.

What this means for you

If you attempt to make a payment with your Worldwide Wallet using Samsung Pay, the transaction will decline.

If you have an Android^TM device and wish to use your Worldwide Wallet via a digital wallet, you can add your Worldwide Wallet to Google Pay^TM on eligible devices.

What if I don’t have Google Pay?

If you don’t have Google Pay, you can continue to use your physical Worldwide Wallet card wherever Mastercard® is accepted in-store, online and at ATMs.

FAQs

Why should I choose a Westpac Worldwide Wallet for overseas travel?

A Westpac Worldwide Wallet is a prepaid travel money card that can help you save on foreign transaction fees and give you control over your spending. With the Westpac Worldwide Wallet, there are no load, reload or unload fees, or ATM withdrawal fees at Westpac Group or select Westpac Group partner ATMs in Australia and Global ATM Alliance partners.⁵

Before you shop or travel, you can also choose to convert your loaded AUD into any of the following currencies: USD, EUR, GBP, CAD, JPY, THB, ZAR, SGD, NZD and HKD. By locking in your exchange rate in advance and knowing exactly how much of a foreign currency is loaded on your card, the Westpac Worldwide Wallet can make it easy for you to stay on top of your spending. When you sign up to a Westpac Worldwide Wallet, you’ll also get access to exciting Mastercard travel and shopping perks - Flight Delay Pass, Mastercard Travel Rewards and Priceless Cities.

Why should I choose a Westpac Worldwide Wallet for shopping online in foreign currencies?

With the Westpac Worldwide Wallet, you can avoid a 3% foreign transaction fee when you shop online in available currencies.

You can shop safely by loading only what you need into any of the following currencies: USD, EUR, GBP, CAD, JPY, THB, ZAR, SGD, NZD and HKD. By knowing exactly how much of a foreign currency is loaded on your card, you can stay on top of your spending.

You’ll also benefit from Mastercard Zero Liability protection,¹ so you can shop worry-free from fraudulent transactions.

Can anyone apply for a Westpac Worldwide Wallet?

To apply for a Westpac Worldwide Wallet, you must be aged 14 years or older and be an existing Westpac customer who is registered for Online Banking. If you haven’t registered for Online Banking, see this helpful guide to learn how to get started. If you’re new to Westpac and would like to apply for a Worldwide Wallet, you’ll need to become a customer first by opening a Westpac savings or transaction account and meeting our identification requirements. You can visit westpac.com.au/aml for more information on how we identify you.

What if I want to spend in a currency that is not loaded on my account?

If you have insufficient funds to complete a transaction in a currency loaded on your account, or the transaction is in a currency not loaded on your account, the transaction will be automatically processed by drawing down from another currency in your account (provided that there are sufficient funds available in one or more other currencies to complete the transaction). Funds will be withdrawn according to the drawdown sequence, and the applicable exchange rate will apply. See the Product Disclosure Statement (PDF 307KB) for the drawdown sequence.

Can I use my Worldwide Wallet at overseas ATMs?

Yes, you can withdraw money or check your balance at overseas ATMs using your Worldwide Wallet. The balance displayed will be in the currency of the country you are visiting. You won’t pay an ATM withdrawal fee when using a Global ATM Alliance ATM.⁵However, fees may apply if you use an ATM outside of the Global ATM Alliance network.

Do I need to download the Westpac App to use my Worldwide Wallet?

We recommend you download our app as we may send you important notifications about your Worldwide Wallet while you are travelling. Using the Westpac App makes it easy for you to get these notifications while you’re on the go. You can also use the app to:

Instantly transfer AUD between your savings and transaction Westpac account/s and your travel money card
Convert between your loaded AUD and up to 10 different foreign currencies at any time to lock in your exchange rate
View your currency balances and transactions
Access your Worldwide Wallet account’s BSB and account number as well as your eStatements
Block your card/s if they have been lost or stolen

If you’re new to the Westpac App, learn more about how to get started.

See all FAQs

Things you should know

Westpac Worldwide Wallet Product Disclosure Statement (PDF 307KB)

Online Banking Terms and Conditions (PDF 407KB)

Westpac Retail and Business Banking Financial Services Guide and Credit Guide (PDF 249KB)

You should read the Westpac Worldwide Wallet Product Disclosure Statement, Online Banking Terms and Conditions, and Westpac Retail and Business Banking Financial Services Guide before making a decision and consider whether these products are 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 these products.

A target market determination has been made for this product. Please visit westpac.com.au/tmd for the target market determination.

Information will be disclosed to third parties about you and your Product, or transactions made by you with the Product, as necessary for the service provision or as required by law. Westpac’s Privacy Statement explains our commitment to the protection of your personal information or you can learn more by calling 132 032.

1. You will be reimbursed for any unauthorised transactions, provided that you have not contributed to the loss, exercised reasonable care in protecting your card and account, and promptly notified Westpac upon becoming aware of loss, theft, or misuse.

2. You must register each flight before its scheduled departure time. A flight is defined as a single scheduled airline flight under a single flight number. Delay must be officially announced by the airline and reported to our flight status data service provider. Flight Delay Pass is only available at selected airport terminals. If you are under 18 years old, you must be accompanied by an adult (18 years of age and older) to enter participating lounges. Access to and use of the Flight Delay Pass is subject to T&Cs which may change from time to time. Visit flightdelaypass.mastercard.com/worldwidewallet for the T&Cs and the list of participating lounges.

3. For Priceless ^® Cities terms of use, visit priceless.com/terms/en_AU.

4. Individual terms and conditions (T&Cs) apply to each offer. The T&Cs of each offer are specified on mastercardservices.com/en/i/20657. Cashback is available on international spend only. Cashback is not available for any local or domestic spend (in Australia). Cashback applies to qualifying transactions only (where a cardholder makes a purchase that meets the cashback offers published criteria and the specific T&Cs, in the local currency stipulated). Cashback is not processed immediately and will not reduce the purchase price of goods and services at the point of sale. The processing of cashback offers is undertaken by automated Mastercard systems and will appear as a credit on your next Westpac card statement. Mastercard Travel Rewards is operated by Mastercard in agreement with Westpac. For the Worldwide Wallet, the cashback processed will depend on the currencies available on your card and the location of your purchase. Examples of how a rebate may be processed are: If the destination currency is listed as a currency into which you can load funds onto your Card, the rebate will be credited as a single amount to the destination currency regardless of whether you have any funds available in that currency; or If the destination currency is not listed as a currency into which you can load funds onto your Card, the rebate will be credited to the local currency in the country in which your Prepaid Card was issued, i.e. AUD.

5. No ATM withdrawal fee at Westpac Group or select Westpac Group partner ATMs in Australia and Global ATM Alliance partners. Other fees and charges may be payable.

6. The spare card should only be used if the Primary Card has been lost or stolen. For your security, the spare card should only be used by yourself, and not given to anyone else.

Internet connection may be needed to make purchases using Google Pay or Samsung Pay and normal mobile data charges apply.

Google Pay is a trademark of Google Inc.

Samsung and Samsung Pay are trademarks or registered trademarks of Samsung Electronics Co., Ltd.

Mastercard and Priceless are registered trademarks, and the circles design is a trademark of Mastercard International Incorporated.