Accessing money overseas

We offer a variety of ways you can pay for things and access cash while you’re overseas.
Let us know before you travel Find a Global Alliance ATM

Want to save on overseas ATM withdrawal fees?

  • You won’t pay any ATM withdrawal fee at overseas ATMs that are part of our Global ATM Alliance network.
  • No matter where in the world you are, it’s easy to find the nearest Global ATM Alliance with the ATM locator in the Westpac App.

Find the right card to travel with

Worldwide Wallet

ATM fees

At a Global ATM Alliance ATM $0
At any other ATM

AUD 2.00, USD 2.00, GBP 1.50, EUR 2.00

For a full list of currencies, see the Terms and Conditions (PDF 392KB)

Any applicable other banks' fees'¹
 

Foreign transaction fees

Merchant/ financial institution is located outside Australia $0
Merchant/ financial institution is located inside Australia

$0

Debit Card

ATM fees

At a Global ATM Alliance ATM

$0 withdrawal fee

3% Foreign Transaction Fee
At any other ATM

$5 ATM withdrawal fee

3% Foreign Transaction Fee

Any applicable other banks' fees'¹
 

Foreign transaction fees

Merchant/ financial institution is located outside Australia 3% of the AUD transaction amount
Merchant/ financial institution is located inside Australia

2.2% of the AUD transaction amount
Find out more

Handy Card

ATM fees

At a Global ATM Alliance ATM

$0 withdrawal fee

3% Foreign Transaction Fee
At any other ATM

$5 ATM withdrawal fee

3% Foreign Transaction Fee

Any applicable other banks' fees'¹
Please note, you can only use your Handycard to withdraw from selected ATMs where Cirrus/Maestro is accepted.
 

Foreign transaction fees

Merchant/ financial institution is located outside Australia 3% of the AUD transaction amount
Merchant/ financial institution is located inside Australia

2.2% of the AUD transaction amount
Find out more

Things to keep in mind

  • A Westpac Debit Mastercard® lets you access your own money to make purchases, wherever Mastercard is accepted. You can also use your Debit Mastercard to withdraw local currency from ATMs.
  • For Credit Cardholders who currently withdraw money in Australia from linked Savings or Cheque account, it is important to know that this functionality may not be available when using overseas ATMs, including Global ATM Alliance ATMs. To ensure access to a Savings and/or Cheque account when overseas please speak to us about obtaining a Debit Mastercard for these accounts.
  • A 2% cash advance fee applies to credit card withdrawals where the "Credit" option is selected.
  • Some overseas banks may charge a fee for withdrawals. This will be brought to your attention before you proceed with the transaction and can be avoided by using one of our Global ATM Alliance network ATMs.
  • The daily withdrawal limit for a Debit Mastercard and Handycard is A$1000. This limit can be increased to a maximum of $2,000 by visiting a Westpac branch or calling Telephone Banking on 132 032 8am – 8pm Sydney time.
  • Access to Westpac online services is blocked in certain locations.
     
Keeping your money safe

Find a Global Alliance ATM

Find out more
Don't leave home without ...

Travelling overseas?

Sign in to Online Banking to notify us so we can monitor the security of your accounts.

Notify us before you travel

Not registered for Online Banking?

1300 651 089

8am – 8pm Sydney time

Call to notify us that you are travelling overseas.

Things you should know
Westpac Worldwide Wallet Product Disclosure Statement (PDF 307KB) 
Online Banking Terms and Conditions (PDF 392KB)
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. 
 
Debit Mastercard®: Westpac Choice Youth account, the eligible card age is 8. For any other transaction account, the eligible card age is 14. You must have an Australian residential address. 

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


1. Other banks’ ATM fees. Some banks may also apply a surcharge or fee to withdrawals from their ATMs. This should usually be drawn to your attention before you proceed with your transaction. This surcharge or fee amount will be added to your withdrawal amount.