Fees & limits

The following fees and limits apply. Fees and limits are subject to variation in accordance with the Terms and Conditions. Unless otherwise specified, all fees will be debited in AU$ Currency. If there are insufficient funds in AU$ Currency to pay such fees, then we will automatically deduct funds from other Currencies in the following order of priority: AU$, US$, EU€, GB£, NZ$, TH฿, CA$, HK$, JP¥, SG$, AED

Fees

When is this payable?

Fee amount

Initial card issue fee

When you first purchase your card

FREE

Inital load fee 

When you load your card online for the first time 

FREE

Administrative fee (in-store only)

When you purchase your card and load in-store (or subsequently reload), with the help of customer service representative, which will be added to the amount payable for your reload.

1.1% of the load/reload amount

Debit Card Load fee

Each time you reload your Card using your debit card (additional to any other applicable fees) via web/mobile

Note: you may be charged other fees by third parties for the transaction (eg. your debit card issuer)

$5 per Debit Card Load transaction

Reload fee (online)

Each time you reload additional funds onto your card online via web/mobile (except when using Debit Card load)

FREE

Reload fee (Bank Transfer)

Each time you reload additional funds onto your card using bank transfer details without booking your rate via web/mobile

FREE

Reload fee (BPAY)

Each time you reload additional funds onto your card using BPAY details without booking your rate via web/mobile

1% of reload amount

Replacement card fee

When you request a replacement Card for lost/stolen Card

FREE

Negative balance fee

A fee charged when a negative balance arises on your Card

FREE

Inactivity fee

A fee commonly charged after a period of inactivity

FREE

Cash out fee

The fee charged when you cash out any amount on your Card (other than withdrawals from an ATM)

$10

Domestic card to card

When you transfer funds to another Australian issued Cash Passport Platinum or standard Cash Passport using domestic card to card functionality

FREE

International card to card

When you transfer funds to a New Zealand issued Cash Passport Platinum or standard Cash Passport using international card to card functionality (or any other overseas issued Cash Passport if we make this available and notify you)

AUD 5.00, USD 4.00, EUR 3.50, GBP 3.00, NZD 5.00, THB 115 (if supported on recipient’s Cash Passport), CAD 5.00, HKD 30.00, JPY 375, SGD 5.00, AED 15.00 (if supported on recipient’s Cash Passport)

Domestic ATM fee

Each time you withdraw cash from an ATM in Australia

2.95% of value withdrawn

International ATM withdrawal fee (outside Australia)

Each time you withdraw cash from an ATM outside of Australia using your Card

USD 2.50, EUR 2.50, GBP 2.00, NZD 3.50, THB 80.00, CAD 3.50, HKD 18.00, JPY 260.00, SGD 3.50, AED 10.00, AUD 3.50 (for international ATM withdrawals in countries not mentioned above or insufficient funds in the relevant Currency to cover the whole transaction)

Currency to Currency fee

When you request to transfer funds from one Currency to another Currency on the same Card

FREE

You will see the applicable foreign exchange rate as determined by us at time of transaction

Currency Conversion Fee

When a purchase or ATM withdrawal is conducted in a currency that is not loaded on your Card, or when there are insufficient funds in that currency to complete the transaction and the cost is allocated against other Currency/ies on your card to fund the transaction

FREE

The Spend Rate will apply to foreign exchange transactions in accordance with the Terms and Conditions



Important information about different transactions

Suppose you make a withdrawal from an ATM outside Australia (in Brazil) for Brazilian Real BRL50.00 and the prevailing exchange rate, set by MasterCard, is BRL1.00 = AU$1.34. Before the foreign exchange margin applies, this would equate to AU$67.00 (BRL50.00 x 1.34). After the foreign exchange margin of AU$3.99 is applied (AU$67.00 x 5.95%), this would equate to AU$70.99 (AU$67.00 + AU$3.99).

Where you do not have a balance in the currency of the transaction, your Card Fund will be debited according to the default order of priority, which is as follows: AU$, US$, EU€, GB£, NZ$, TH฿, CA$, HK$, JP¥, SG$, AED. In addition, we will debit the balance of each Currency in this order until the relevant transaction amount has been satisfied.



Limit name

Limit details

Limit amount

Maximum number of Cards you may hold in your name at any one time.

 

One

Minimum amount you can load/ reload on your Card per load/ reload

AUD 100 or currency equivalent

Maximum amount you can load/ reload on your Card per load/ reload

(see additional requirements for Debit Card Load and BPAY reload below)

AUD 100,000 or currency equivalent

Maximum amount you can reload on your Card using Debit Card Load

n/a

AUD 15,000 in any 24 hour period

AUD 30,000 in any 7 day period

AUD 60,000 in any 30 day period

Maximum balance allowed across all currencies during any 12 month period

n/a

AU$100,000 or currency equivalent

Maximum BPAY reload amount in any 24 hour period

n/a

AUD 25,000 or currency equivalent

Domestic card to card 

Maximum amount you can transfer to another Australian issued Cash Passport Platinum or standard Cash Passport in any 24 hour period.

AUD 20,000 or currency equivalent

International card to card 

Maximum amount you can transfer to a New Zealand issued Cash Passport Platinum or standard Cash Passport in any 24 hour period.

AUD 20,000 or currency equivalent

Maximum balance allowed across all Currencies during any 12 month period or at any one time

n/a

AUD 100,000 or currency equivalent

Maximum ATM withdrawal amount in any 24 hours

n/a

AUD 3,000 or currency equivalent (some ATM operators may set their own withdrawal limits)

Maximum value of EFTPOS transactions during any 24 hour period

n/a

AUD 15,000 or currency equivalent