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Currencies, rates and fees

What you should know when loading your travel money card with currencies to make purchases.
Get a Global Currency Card
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Existing customers only

Choose from 11 different currencies and load up to 5 currencies at any one time, one of which must always be Australian dollars.

Available St.George Global Currency Card currencies:

  • Australian Dollars (AUD)
  • US Dollars (USD)
  • Euros (EUR)
  • Great British Pounds (GBP)
  • New Zealand Dollars (NZD)
  • Canadian Dollars (CAD)
  • Japanese Yen (JPY)
  • Thai Baht (THB)
  • South African Rand (ZAR)
  • Singapore Dollars (SGD)
  • Hong Kong Dollars (HKD)

Exchange Rates

We will apply a foreign exchange rate in the circumstances listed in the following table. The table also tells you the currencies between which we apply the Applicable Exchange Rate in each of these circumstances. You can view indicative rates or visit https://gcc.stgeorge.com.au/login for the latest Global Currency Card Rates.

Circumstances

Applicable Exchange Rate

You make a Funds Transfer via online banking. Funds transfers are always in Australian dollars and may only be loaded to the Australian Currency Wallet.

None

You make a Funds Credit via BPAY. Funds Credits via Bpay are always in Australian dollars and may only be loaded to the Australian Currency Wallet.

None

You use the Card to perform a transaction in a Supported Currency but: 

  • you do not have a sufficient part of your Available Balance in a Wallet in that currency; and
  • you have sufficient funds in other Wallets (not in that currency).

The Supported Currency of each Wallet used to fund the transaction according to the Drawdown Sequence (to the extent of the amount used from that Wallet) → the Supported Currency of the transaction

You use the Card to perform a transaction in a Supported Currency but have not activated a Wallet in that Supported Currency or have none of your Available Balance in a Wallet in that Supported Currency.

Australian dollars → the Supported Currency of the transaction

and/or

if an insufficient part of your Available Balance is in the Australian Currency Wallet:

the Supported Currency of each Wallet used to fund the transaction according to the Drawdown Sequence (to the extent of the amount used from that Wallet) → the Supported Currency of the transaction

You use the Card to perform a transaction in a currency that is not a Supported Currency

Australian dollars → the currency of the transaction

and/or

if an insufficient part of your Available Balance is in the Australian Currency Wallet:

the Supported Currency of each Wallet used to fund the transaction according to the Drawdown Sequence (to the extent of the amount used from that Wallet) → Australian Dollars → the currency of the transaction

You transfer part of your Available Balance from one Wallet to another

The Supported Currency of the Wallet from which that part of your Available Balance is being transferred → the Supported Currency of the Wallet to which that part of your Available Balance is transferred

We need to calculate your Available Balance for any other purpose (for example, to calculate your Available Balance on expiry. See section 21 [Card Renewal and Expiry] of these Terms and Conditions) and any part of the Available Balance is held in a Foreign Currency Wallet

The currency of the Foreign Currency Wallet → Australian dollars.

We need to determine whether a limit specified in these Terms and Conditions has been used up and any transactions that need to be looked at in doing so were in any currency other than Australian dollars

The currency of the transaction → Australian dollars

We need to calculate the Australian dollar amount of a transaction for any purpose contemplated by these Terms and Conditions. (For example, to calculate the foreign exchange fee. See section 12 [Fees] of these Terms and Conditions.)

The currency of the transaction → Australian dollars

The Applicable Exchange Rate between any two currencies is the rate that we set from time to time. The rates are updated continuously throughout the day. You can check the rates on the Website.

Fees

Card Issue fee – payable whenever you successfully apply for the Product (i.e. the Product is issued to you)

Nil

Card replacement fee – payable if you ask us to replace a lost, stolen, or expiring Card.

Nil

Emergency cash transfer fees
(Please refer to section 7 [Emergency Cash Transfers] in the Product Disclosure Statement (PDS) for an explanation)

If amount sent is up to $500 (AUD)

$15

If amount sent is over $500 up to $1000 (AUD)

$20

If amount sent is over $1000 up to $2000 (AUD)

$25

If amount sent is over $2000 up to $3000 (AUD)

$30

Funds credits loading fees

Initial Funds Load 

Nil

Card Reload fee (per reload)

1% of AUD value loaded up to maximum $10

Online servicing fees

Online Servicing Fee – payable when you check your Available Balance or transaction history or change your PIN

Nil

Telephone support fees

Automated telephone enquiry via interactive voice response (IVR) – payable for an automated telephone customer service call to Customer Assistance

Nil

Telephone support fee – payable for a live operator telephone customer service call to Customer Assistance

Nil

ATM fees

ATM transaction fees per currency

– payable whenever you use an ATM to transact in the following currencies (unless at a St.George, Westpac, Bank of Melbourne or BankSA ATM in Australia and Global ATM Alliance Partner ATMs):

  • Australia
  • United States of America
  • United Kingdom
  • Europe
  • New Zealand
  • Canada
  • Hong Kong
  • Singapore
  • Japan
  • Thailand
  • South Africa

AUD 2.00
USD 2.00
GBP 1.50
EUR 2.00
NZD 3.00
CAD 2.50
HKD 15.00
SGD 3.00
JPY 200
THB 75.00
ZAR 20.00

ATM balance enquiry fee

– payable whenever you make an enquiry in respect of your Available Balance in the following currencies using an ATM (unless at a St.George, Westpac, Bank of Melbourne or BankSA ATM in Australia and Global ATM Alliance Partner ATMs):

  • Australia
  • United States of America
  • United Kingdom
  • Europe
  • New Zealand
  • Canada
  • Hong Kong
  • Singapore
  • Japan
  • Thailand
  • South Africa

AUD 2.00
USD 2.00
GBP 1.50
EUR 2.00
NZD 3.00
CAD 2.50
HKD 15.00
SGD 3.00
JPY 200
THB 75.00
ZAR 20.00

Some banks may also apply a surcharge to withdrawals from their ATMs. This should be drawn to your attention before you proceed with your transaction. This surcharge amount will be added to your withdrawal amount.

Statement fees

Electronic statements on Website – payable whenever we provide an electronic statement to you

Nil

Government duties, taxes and charges

Payable whenever a government duty, tax or charge is imposed relating to the Product, a Card or a transaction

The amount of the duty, tax or charge

Other fees

Transaction dispute handling fee (The fee will not be charged or the fee will be reversed if the dispute is resolved in your favour)

Nil

Foreign exchange

Foreign exchange fee – payable whenever a Card is used for a transaction in a currency other than a Supported Currency

3% of the Australian dollar amount of the transaction

Other government duty, taxes, fees and charges may apply. Please refer to the Product Disclosure Statement (PDS). 

Request, activate and manage your travel money card

Things you should know:

Information is current as at 29 April 2016. You should read the St.George Global Currency Card Product Disclosure Statement before making a decision and consider whether this 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. You must be 16 years or older and have an Australian residential address to be eligible for this product.

St.George Bank - A Division of Westpac Banking Corporation ABN 33 007 457 141, AFSL and Australian credit licence 233714, is the distributor of this product. Rev Australia Pty Ltd ACN 117 378 953 AFSL 401610 manages the St.George 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 issuer of the product but does not take deposits from you. St.George 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.

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.

  1. No ATM withdrawal or balance enquiry fee at over 3,000 Westpac Group ATMs in Australia and over 50,000 ATMs globally via Global ATM Alliance partners. Other fees and charges may be payable.
  2. A 3% St.George Foreign Exchange Fee applies to overseas transactions in a currency other than a Supported Currency.
  3. 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.