How to use your travel money card

Purchasing your card

You can purchase a Travel Money Card at any Commonwealth Bank branch or via NetBank (if you are registered). There are no age restrictions and you don’t even have to be a Commonwealth Bank customer. All you need to do is satisfy the customer identification check required for opening a bank account.

If you purchase your Travel Money Card in NetBank, your card will be sent to you via mail within five business days (delivery may take longer outside metropolitan areas). If you provide your mobile number to us you will receive an SMS alert advising when your card is on its way. Upon receipt, you will need to activate and set up a PIN for your card.

The card may be loaded using cash, direct debit from a Commonwealth Bank transaction, savings or investment account, or by cash advance from a credit card accepted by us. When you use the card, the amount of your purchase or ATM withdrawal is deducted from the loaded balance.

Making purchases

Simply use the card like you would a credit card, even at an ATM. Select ‘credit’, and enter your PIN or sign the receipt. You can use the card wherever MasterCard® is accepted.

Reloading your card

You can reload your card at any Commonwealth Bank branch or by calling the Travel Money Card Customer Service Centre and transferring funds from an eligible Commonwealth Bank account. You can also reload via BPAY® wherever you are, using internet or telephone banking. Simply use BPAY biller code 113167 and the 16 digit number on the front of your Travel Money Card as the customer reference number. Funds reloaded via BPAY may take two to three business days to appear on your card.

Remember, if you use NetBank with NetCode SMS security you’ll need your mobile handy the first time you reload your card via BPAY. To easily reload on the go, reload your card before you travel or make sure you’ll have global roaming activated while you’re overseas to receive the NetCode SMS. If you’re not taking your phone overseas, register for a NetCode token so you can still transfer funds online.

The minimum reload per currency is just AUD1 or the foreign currency equivalent. The maximum reload per card is AUD100,000 or the foreign currency equivalent. The maximum balance you can have on your card at any one time is AUD100,000 or the foreign currency equivalent.

Choosing currencies

You can load up to six currencies on your card. If you have more than one currency on your card, a default currency order applies. Learn more about multiple currencies.

If you are reloading via BPAY, the reload amount will go to the first currency in the order of currencies on your card. You can change the order of the currencies on your card by logging on to Travel Money Online.

You can only reload one currency via BPAY at the one time. If you would like to reload more than one currency, wait until your first BPAY payment has been processed and then visit Travel Money Online to move the next currency to the highest in your currency order. You can then make another BPAY payment.

Travel Money Online

You can easily manage your Travel Money Card, including balance enquiries, transaction history, change your PINs and more, by logging on to the Travel Money Online. To register for access to Travel Money Online, you’ll need your Travel Money Card, plus your 6-digit Registration Code that you chose when you purchased the card.

Call us

You can call the Travel Money Customer Service Centre on (+61) 1300 660 700 (local call), 24 hours a day, 7 days a week.

Outside Australia you can call (+61) 2 9374 0609 (call charges apply), 24 hours a day, 7 days a week.

You can also call the Customer Service Centre and use the self-service options to check your balance, change your PIN, and listen to your recent transaction history.

SMS alerts

By providing us with your mobile phone number, you can receive SMS confirmation that your card has been loaded and/or notification of your monthly, weekly, daily or low balance (as specified by you). This lets you monitor your Travel Money Card balance.

Back-up card

For your convenience, we issue you with two cards – a primary card and a back-up card. They have different card numbers and separate PINs. Both cards should only be used by you and not by another person.

You can use your back-up card if you can’t use your primary card (e.g. if it’s damaged, lost or stolen). Both cards have the same value and can be used interchangeably.

As soon as you receive your cards you must sign both the primary card and back-up card.
Lost or stolen cards

Please notify us immediately if your card(s) are lost or stolen:

Within Australia: 1300 660 700 (local call). Available 24 hours a day, 7 days a week.

Outside Australia: (+61) 2 9374 0609 (call charges apply) or (+61) 2 9999 3283* (reversed charges accepted). Available 24 hours a day, 7 days a week.

If your primary card (or back-up card) is lost, stolen, or likely to be misused, or if you suspect that someone else may know your PIN, password or Registration Code, you must stop using the card and immediately notify us by phoning the Travel Money Customer Service Centre on the above numbers. We will suspend the primary card (or back-up card) to prevent further use.

* To use this reverse charges number please contact the international operator in the country you are in and request to be put through to +61 2 9999 3283. We have no control over any charges applied by the local or international telephone company for contacting the operator.

Redeeming funds

You can withdraw funds from a Commonwealth Bank ATM in Australia free of charge. You can also redeem all remaining funds directly into your nominated bank account and close your card by going to your nearest Commonwealth Bank branch.

If you would like funds to be paid into a non-Commonwealth Bank account then you will be required to provide the name of the financial institution, BSB, account number and account name of your nominated account when you close your card.

Disputes

If you suspect an error in your transaction history, you can lodge a dispute form. There are two forms available ATM shortpay and Merchant dispute transaction:

    Travel Money Dispute - ATM
    Travel Money Dispute - Merchant
    Important information
    As this advice has been prepared without considering your objectives, financial situation or needs, you should before acting on this advice, consider its appropriateness to your circumstances. The Product Disclosure Statement and Conditions of Use (PDF 222.5kb)issued by Commonwealth Bank of Australia ABN 48 123 123 124 for Travel Money Card should be considered before making any decision about this product. View our Financial Services Guide (PDF 160kb).

    BPAY is a registered trademark of BPAY Pty Ltd ABN 69 079 137 518. MasterCard and the MasterCard Brand Mark are registered trademarks of MasterCard International Incorporated.