westpac travel card daily withdrawal limit

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Westpac travel card review 2024

If you’ve planned a trip overseas, a dedicated travel money card can be a good way to make overseas spending easy and secure. Get the right card, and it could also mean you pay less overall, too.

Westpac offers its Global Currency Card which you can top up in NZD, and then convert to any of the 9 supported currencies for easy spending and withdrawals as you travel.

This guide covers the key benefits and fees of the Westpac card. Plus, we’ll also touch on a couple of popular alternatives for travellers from New Zealand, the ANZ debit card and the Wise travel money card, so you can compare them and see which works best for you.

Westpac travel card: key features

Westpac’s Global Currency Card is available to anyone aged over 18, resident in New Zealand, and with the right paperwork to get verified. There’s no fee to get a card – you just order online, top up to the minimum opening balance, and your card is sent to your home directly. The money you’ve put on your card is yours to spend – just add whatever you need for your trip, and you can then view and manage your balance via the Westpac app.

Before we look at how the Westpac travel money card works in detail, let’s get an overview of some of the Westpac travel card pros and cons:

Who is the Westpac travel card for?

The Westpac travel money card can be helpful in a broad range of situations:

• For anyone travelling to a country which uses one of the supported currencies
• For people who shop online in the supported currencies
• For travellers who want to load funds in advance and convert to the destination currency so they know their budget ahead of time
• For anyone looking to lock in exchange rates when they’re good – just add NZD and switch when you spot a good rate

What is the Westpac travel card?

The Westpac travel card is a multi-currency Mastercard which you can use to hold 9 different currencies, and for spending anywhere you see the Mastercard logo. You’ll be able to order your card online for home delivery, and can top up in NZD and convert in advance to the supported currency you need in your destination. It’s worth knowing that you’ll need to convert your funds in advance to avoid paying the 2.95% fee for spending a currency you don’t hold in your account.

There’s no fee to make an international ATM withdrawal with your card, and you can view and manage your card account online and in the Westpac app, making budgeting a breeze.

Is the Westpac Travel Money a multi-currency card?

Yes. The Westpac card supports the following currencies for holding and exchange:

• New Zealand dollars
• Australian dollars
• Pounds sterling
• Japanese yen
• Canadian dollars
• Hong Kong dollars
• Singapore dollars

You can also spend in other currencies, but you’ll pay a 2.95% fee when you do.

Alternatives to Westpac travel card

Westpac’s travel money card is a good option, but it doesn’t support all the currencies you might need if you’re headed off the beaten track. Plus, there are some fees to consider such as the 2.95% charge if you spend in a currency you don’t hold in your account already.

To check if the Westpac Global Currency Card is right for you it’s worth comparing it to a few other options available locally, such as Wise and ANZ.

Here’s a quick overview of how these providers line up on some key features:

Information taken from Westpac travel card desktop site and fee information , Wise pricing page , ANZ money transfers and ANZ New Zealand ; correct at time of writing, 27th July 2023

The Westpac travel money card can be convenient if you’re happy to convert over funds in advance of travel, and if you’re going to a country which uses one of the 9 supported currencies for holding and exchange. However, it’s worth comparing it to other cards to see if it’s the best for your particular needs, before you sign up.

The Wise card, for example, has a couple of advantages – you can hold a broader range of currencies, and there’s no need to convert your funds in advance. You can just leave your money in NZD and let the card automatically convert to the currency you need based on where you are, with the mid-market rate and low fees from 0.43%.

Alternatively if you bank with ANZ already you can just use your normal ANZ debit card when you’re spending foreign currencies with a relatively low 1.3% foreign transaction fee.

Wise digital multi-currency accounts can hold and exchange over 40 currencies, and the Wise card can be used for spending and withdrawals in 150+ countries. Open your account online or in the Wise app, and top up in NZD or any of the other 20 or so supported top up currencies. There’s no need to convert to your destination currency in advance if you don’t want to, as the card can do this for you with the lowest available fees every time. That said, if you want to set your budget in advance, or if you spot a really good exchange rate, you can also convert and hold in any of the 40+ supported currencies, making this a good card to pick even if you’re headed to a more unusual destination.

Wise travel card review

Get your Wise travel card  

ANZ recommends customers just use their normal debit card when spending on foreign currencies. This has the advantage that there’s no extra hassle or fee to get a new card – but the drawback that you’ll be charged a foreign transaction fee every time you spend. Your spending will be converted using the network exchange rate, and the foreign transaction fee is set at 1.3% of the transaction value.

Read more about 4 best travel debit card for overseas travel

Westpac travel card fees & spending limits

As with all financial products, there are some important fees to know about when you’re thinking of ordering a Westpac travel card. Here are the key limits to bear in mind as a starting point:

*Information correct at time of writing – 27th July 2023

And here are the key Westpac fees you’ll want to consider when you’re deciding if this is the card for you.

Exchange rates

Westpac exchange rates may include a markup, margin or fee. Exactly how this works depending on the type of conversion you need to carry out.

If you’re topping up your account in a currency other than NZD, the rate used will be the Mastercard rate + a margin which you’ll be notified of at the time of top up. This is likely to apply if you need currency conversion within your account, or when you cash out too. You’ll see the full terms and conditions when you start the transaction, so you can double check the costs.

Once you have currencies in your account it’s free to spend them. However, if you’re spending in a currency other than one of the 9 supported currencies – or if you don’t have enough balance in your account in a specific currency to cover a purchase or withdrawal, a 2.95% conversion fee will apply on top of the Mastercard rate.

How to get Westpac travel card

You can apply for your Westpac travel card online. Here’s how to get a Westpac travel card, step by step:

• Open the Westpac Global Currency Card website and click Apply Now
• Follow the prompts to enter your personal and contact information
• Complete the verification step with your New Zealand passport or driving licence
• Top up at least the minimum opening balance amount
• Your card will be dispatched in 5 to 10 days, and will arrive by mail

What documents you’ll need

There’s a verification step needed when you order a Westpac travel money card. This is to keep accounts safe and comply with local and international law. Generally getting verified is very easy. In the first instance you’ll be prompted to enter information from either:

• Your New Zealand passport
• Your driving licence

Mastercard will then look to match your information with ID records. If this can’t be done – because you’ve changed your name or recently moved home for example – you can use your AA membership. If you’re still struggling with the verification process, you can email a copy of your relevant ID to Mastercard for manual verification. This should take just a couple of days.

What happens when the card expires?

Your Westpac card has 5 years validity. Once your card expires you’ll need to order a new one online, and can apply to have any residual balance moved from the old card to the new one for spending. If you don’t want to get a new card, you can also cash out the amount, minus any applicable fees.

How to use the Westpac travel card?

You can use your Westpac card anywhere you see the Mastercard logo. You’ll be able to tap to pay wherever contactless payments are supported, or use your physical card and PIN. Your card will check if you have a balance in the required currency. If you do not, your account will be debited according to a preset order of currencies, and the conversion fees will apply.

How to withdraw cash with the Westpac travel card?

Make cash withdrawals at ATMs globally that support Mastercard. You’ll need to enter your PIN to get cash, for security reasons. It’s also good to know that while there’s no Westpac fee for international ATM withdrawals, an ATM operator might charge a fee which Westpac doesn’t control. Local NZD withdrawals cost 4 NZD each.

Is the card safe?

Yes. The Westpac card is issued through Westpac and Mastercard – both large, well reputed and trustworthy providers. In fact, using a travel card can be a safe way to manage our travel money because it’s not linked to your everyday account, and you won’t need to carry lots of cash when you’re overseas, either.

How to use the Westpac travel card overseas?

Use your Westpac travel card overseas in the same way as you would any other payment card. Contactless is supported where the technology is available, or you’ll have a Westpac PIN to make POS payments and withdrawals as needed.

It’s important to remember that a fairly high fee of 2.95% applies to spend currencies you don’t hold – or if your balance in a particular currency isn’t enough to cover a transaction. Top up enough in advance and switch to your destination currency to avoid this fee.

Conclusion: Is the Westpac travel card worth it?

The Westpac Global Currency Card is a convenient option if you want a travel money card that’s distinct from your normal everyday account, and which lets you hold foreign currencies. You’ll need to order your card online, and top up in NZD before converting to the currency you need for your trip, to avoid the 2.95% conversion fee.

Compare the Westpac travel money card against alternative options like the Wise travel card and the ANZ debit card, to decide which is best for you. Wise has a broader range of currencies and offers automatic conversion at the point of payment, with low fees and the mid-market rate, while ANZ customers can spend globally with a fairly low 1.3% foreign transaction fee.

Westpac travel card review FAQ

How does the Westpac travel card work?

You can order your Westpac card online and add money in NZD before converting to the currency you need from the 9 supported currency options. You’ll then be able to spend and withdraw wherever you are. It’s free to spend in currencies you hold in your account, with a 2.95% fee to spend a currency you don’t have.

Is the Westpac travel card an international card?

Yes. The Westpac travel card can hold 9 currencies and can be used globally wherever Mastercard is accepted.

Are there any alternatives to a Westpac travel card?

Check out a few different options before you decide which travel money card suits you. The Wise card can be a good bet for frequent travellers, with 40+ supported currencies and low fees from 0.43% when you convert from one currency to another.

Why ATM withdrawal limits exist

How atm withdrawal limits vary, managing your atm withdrawal limit, what to do if you hit your atm withdrawal limit, understanding atm withdrawal limits.

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• You may only withdraw a specific amount of cash from ATMs daily.
• Most financial institutions have a daily ATM withdrawal limit between the range of $300 to $3,000.
• If you need to withdraw more money from your account, get cash back from a store or visit a branch.

ATMs provide an easy way to access your money quickly if you don't want to step into a bank.

But if you're planning to take out money for a trip or to make a big purchase, you may want to double-check your bank's ATM withdrawal limit so you don't end up short on cash.

ATM withdrawal limits are restrictions financial institutions set for ATMs. This means you are only able to withdraw a certain amount of money from ATMs in a 24-hour period.

Withdrawal limits are a way for banks to control their cash flow since they only keep a portion of their deposits on hand at any given time. The majority of their money is typically lent to other financial institutions, allowing them to earn interest on the funds, which they can return to customers.

There are also security reasons for ATM limits. Withdrawal limits can keep banks and customers safe from scammers and identity thieves. If an unauthorized person gets a hold of your debit or ATM card and PIN, your loss is limited to the daily withdrawal limit.

Most banks and credit unions will let you take out between $300 to $3,000 daily at ATMs, but your limit ultimately depends on your account type and your relationship with the financial institution.

It may also depend on the ATM you're using — out-of-network ATM operators may set separate limits to ensure they don't run out of cash before they're replenished.

For example, your bank may limit your ATM withdrawals to $500 a day, while an independent ATM operator allows you to withdraw only $200. In that case, you would need to visit more than one ATM to hit your maximum withdrawal.

If you have a debit or ATM card tied to a savings account , you also may have to keep tabs on the number of monthly withdrawals you make.

Even though the Federal Reserve eliminated its previous requirement to have a transaction limit on savings accounts, some banks may still limit you to six transactions per month.

Plan for large cash needs

Think ahead: If you're going to need a large amount of cash, make several withdrawals in the days or weeks leading up to the purchase.

If you go this route, consider taking the extra precaution of letting your bank know ahead of time that you're going to be making a series of withdrawals so it doesn't get flagged as suspicious activity.

Use multiple accounts

If you regularly need cash, consider spreading your deposits across two or more banks or credit unions. Each account will have its own daily ATM withdrawal limit, increasing the potential cash you can get each day.

Request a limit increase

If you don't need cash immediately, increasing your ATM limit is an option. Call your bank to ask for an increase in your withdrawal limit beforehand. Several banks allow you to increase your ATM withdrawal limit if you tell them you'll need to make a big purchase.

If you need to withdraw more cash than your bank allows, here are your options:

• Visit a branch location and withdraw money inside with a bank teller. Separate limits apply to these types of withdrawals, but they're often much higher than daily ATM limits.
• If a branch location isn't open, get cash back at a store. Even though this may not be ideal, stores let you get up to $200 in cash if you use a debit card to make a purchase. This may be a worthwhile option if you need cash immediately and your bank or credit union isn't open.
• Consider whether you really need cash. You may be able to transfer money to another account, write a check , or use a debit or credit card instead.

ATM withdrawal limit FAQs

An ATM withdrawal limit is the maximum amount of cash your bank will allow you to withdraw from an ATM in a 24-hour period. If you're using a non-bank owned ATM, the ATM operator may set its own limit.

Withdrawal limits protect financial institutions and consumers alike by managing a bank's cash flow and liquidity and reducing account access by unauthorized users.

Your online account dashboard will typically display your daily withdrawal limit. You can also call your bank or check your account agreement documents. Generally, banks and credit unions will let you take out between $300 to $3,000 daily at ATMs, depending on your account type and relationship with the institution.

Your bank may be willing to temporarily or permanently increase your daily ATM cash withdrawal limit if you call customer service or submit a request through your online account.

If you need more cash and can't wait until your ATM withdrawal limit resets, consider making a purchase at a store that offers cash back on purchases or go into a physical bank branch and withdraw money from a bank teller.

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Editorial Note: Any opinions, analyses, reviews, or recommendations expressed in this article are the author’s alone, and have not been reviewed, approved, or otherwise endorsed by any card issuer. Read our editorial standards .

Please note: While the offers mentioned above are accurate at the time of publication, they're subject to change at any time and may have changed, or may no longer be available.

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Daily limits in Westpac

Discover how to change daily limits in westpac.

Westpac sets the following default limits for its banking operations:

• Westpac debit card limit for cardless operations- 500 AUD daily and 1,000 AUD weekly withdrawal limit
• Westpac transfer limit – 750 AUD per day
• Westpac daily withdrawal limit - 3 000 dollars for withdrawals in Australia, 2 000 dollars abroad
• Westpac daily EFTPOS limit – 10,000 AUD daily
• Westpac BPAY limit – 10,000 AUD per day

A client can change the banking limits in the Internet banking application, by calling Westpac bank (contact number 132-032), or at a branch.

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Updated: 01.04.2024

Westpac Global Currency Card

Limits and fees, exchanges rates.

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A major bank’s decision to enforce lower default cash withdrawal limits comes after a survey found 72 per cent of Australians were found to be ‘low cash users’.

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Westpac has unveiled major changes to how customers use their debit cards, enacting a $1000 default cash withdrawal limit amid dwindling levels of cash withdrawals across the country.

The major bank will also cap transaction limits at a default of $8000 when selecting a ‘credit’ payment — currently a customer’s limit when tapping, inserting or making online payments with a debit card is their available balance.

Customers will still be able to set different limits for cash withdrawals.

This comes after the Reserve Bank of Australia (RBA) found on June 15 that there had been a sharp decline in cash transactions across the country.

“Most Australians now use cash infrequently,” the RBA’s Cash Use and Attitudes in Australia June 2023 Bulletin read.

“Indeed, 72 per cent of Australians were classed as ‘low cash users’ in 2022, using cash for 20 per cent or less of their in-person transactions, compared with 50 per cent in 2019.”

The number of ‘high cash users’, Australians who use cash for 80 per cent or more of their in-person transactions, now constitute only seven per cent of the country’s population — half of what it was in 2019.

US-based financial tech company FIS found Australians are among the lowest cash-users in the world, beaten out only by Norwegians.

In the survey of 40 countries Australia was found to have the lowest cash usage in the Asia Pacific region in 2022, with cash payments representing just six per cent of point-of-sale transactions.

This was followed by New Zealand at seven per cent, China at eight per cent and South Korea at 11 per cent, who have all widely embraced electronic payment systems.

Commonwealth Bank keycards have a withdrawal limit of $1000 which can be changed up to a ceiling of $2000, while ANZ and NAB have limits of $1000 and $2000 respectively.

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Under current federal legislation, all business must submit a threshold transaction report (TTR) when providing a service that involves the transfer of $10,000, or the foreign currency equivalent.

TTRs are enforced by the government to help detect and disrupt criminal and terrorist activity.

Westpac customers will be able to change their debit card limits after August 20 on the Westpac App, online, over the phone or by visiting staff at a branch.

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Daily limits.

Daily transaction limits are put in place to help protect you from fraud.

The daily transaction limits are up to a maximum of:

Eftpos limits.

We limit your total EFTPOS spending and ATM withdrawals in one day to $10,000. If you've used a Platinum, Business or Premium credit card for your EFTPOS purchase and select "CHQ" or "SAV", your daily limit may be higher. The limit will be dropped a few minutes after midnight.

For example, if you buy $9,500 worth of appliances in one day with EFTPOS, you will only be able to withdraw $500 that day from an ATM machine.

Debit Mastercard limits

If you have a Debit Mastercard, we limit your total spending based on how you use your card.

If you make a contactless payment, use your card online or make a face-to-face purchase overseas, we limit your total spending to $20,000 in one day.

If you use your card traditionally by swiping or inserting it into the EFTPOS terminal and select “CHQ” or “SAV”, we limit your total spending up $10,000 per day, subject to the funds being available in your bank account.

Credit Card withdrawals

ATM cash withdrawals from your credit card account will be charged interest at the cash advance rate from the date of withdrawal until you pay that amount in full. All repayments will be applied to balance transfers, fees and charges before cash advances and other purchases. Accordingly you may wish to consider other products.

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Choose westpac choice for easy day-to-day banking.

Our most popular bank account comes with a debit card for fast payments online and in store.

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Open a new Westpac Choice account online between 01/02/24 and 30/09/24 to have the monthly Account-Keeping Fee waived for the first 12 months.

Pay no Account-Keeping Fee for the first 12 months on your new Westpac Choice account and save $5 a month.

$0 Account Keeping Fee – 12 Month Waiver Campaign

Open a new Westpac Choice account online between 01/02/24 and 30/09/24 to have the monthly Account Keeping fee waived for the first 12 months. At the end of the 12-month period, the monthly Account Keeping fee (currently $5) will apply unless the minimum monthly deposit criteria are met. Individual(s) under the age of 29, New Arrivals, and students are ineligible for this Offer. This offer is not applicable to the Westpac Choice Concession account. For joint accounts, individuals must meet the eligibility criteria for the fee waiver to apply. Other fees and charges, terms and conditions apply to the Westpac Choice account. This offer may be repeated from time to time, withdrawn, varied, or extended at any time.

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Choice makes buying, paying, and withdrawing cash simple and convenient, even before you’ve received your debit card.

• Use the digital card in the Westpac App while waiting for the plastic one to arrive. The CVC refreshes every 24 hours for extra security
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We’ll repay any funds missing from your account due to fraud, as long as you’ve complied with our  T&Cs . 4

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If you’ve misplaced your debit card, you can immediately lock it while you look, in the Westpac App. 3

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For greater peace of mind, we can send a one-time  SMS Code  to your mobile to authorise online transactions and features.  

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