How To Find Best Travel Money Card For Australian Travellers

Travel Money Cards have recently become the preferred means of carrying money by travellers all over the world. The technology has made carrying money electronically extremely easy, safe and convenient.

Australians have many choices when it comes to purchasing a Travel Money Card with each bank or institution offering different terms, conditions, fees and charges. It is, therefore, important that Australians compare and review travel money cards available on the market.

We have done this work for you by comparing Eight of the Best Travel Money Cards available in Australia. The two tables below give a clear summary of the different cards available and show how you can save on fees and charges.

Travel Money Card – Table 1

TRAVEL CARDS/ INFORMATION
Westpac Global Currency Card

westpac global Travel Money Cards

ANZ Bank Travel Card

anz Travel Money Cards

 

Load & Go (Australia Post)

australia post load and go Travel Money Cards

Cash Passport

travelex cash Travel Money Cards

FEES,
CHARGES , & CONVERSION RATES
-Reload fee is $10
-Conversion rate is 3%
-No initial card fee and monthly inactive fee.
-No secondary fee
-No cap on reload fee
-Conversation rate is 3%
-Initial card fee is $11
-No monthly inactive fee
-No secondary fee
-No reload fee
-conversation rate is 3%
-No initial card fee
-No monthly inactive fee
-No secondary fee
-No reload fee
-Conversation rates change from time to time
-Charges on ATM
withdrawal is 2.95%
-Monthly inactive fee is AU$4
CURRENCIES AVAILABLE
-Multiple currency
-Max currencies loadable in the card at a point is 5
-Australian dollar, SA Rand, US dollar, Euros, British pounds, Canadian dollar, Singapore dollar, Hong Kong dollar, Japanese yen, Thai Bhatt, New Zealand dollar
-Multi currency
-Max currencies loadable at a point is 10
-Australian dollar, US dollar, Euros, British pounds, Canadian Dollar, Singapore dollar, Hong Kong dollar, Japanese yen, Thai Bhatt, New Zealand dollar
-Multiple currency
-Max currencies loadable at a point is 5
-Australian dollar, Euros, US dollar, British pound, New Zealand dollar.
-multiple currency
-Max currencies loadable at a point is 10
-USD, THB,CAD,HKD,JPY,SGD , and AUD
-Single currency card
LIMITS
-maximum ATM withdrawal within 24 hrs. is $2000
-Min amount loaded is $100
-Max amount of transactions within 24hrs is $8000
-Max daily bill pay reload is $6000
-Max ATM withdrawals within 24 hrs. is $2500
-Min amount loaded is $200
-Max amount of transactions within 24hrs is $5000
-Max daily bill pay reloaded is $9000
-Max ATM withdrawals within 24hrs is $2500
-Min amount loaded is $100
-No max amount of transactions within 24hrs
-No max daily bill pay reloaded
-Max ATM withdrawals within 24hrs is AUS$3000
-Min amount loaded is AU$ 100
-Max amount of transaction within 24hrs is AU$15000
-Max daily bill pay reloaded is AU$ 25,000
-Limit of Cash over the counter is AU$350
CHANNEL OF DISTRIBUTION
-can be purchased online
-can be purchased in a branch
-Can be purchased online
-Can be purchased in a branch
-Can only be purchased in a branch
– Can be purchased online
SECURITY INFORMATION
-No bank account linkage
-chip and pin protection
-ability to lock card
-ability to change pin
– No bank account linkage
– chip and pin protection
-Ability to lock card
-Ability to change pin
-No bank account linkage
-Ability to lock card
-Ability to change pin
– Bank account linkage
-Ability to lock card
-Ability to change pin
ACCESS CHANNELS
-Online purchase
-ATM use
-Online purchase
-ATM Use
-Online purchase
-ATM Use
-Online purchase
-ATM Use
-Over the counter use
TERMS AND CONDITIONS
-Emergency assistance globally and card replacement 24/7
-Lock in exchange rate before travel
-Funds in different currencies
 
-Emergency assistance globally and card replacement 24/7
-Lock in exchange
-Funds in deferent currencies
-Emergency card replacement
-Lock in exchange
-Funds in different currencies
-Lock in exchange
-Emergency assistance globally and card replacement 24/7
-Funds in different currencies
 
RELOAD
 
-Same day card reloading
-Emergency fund transfer
– Same day card reloading
-No same day card reloading
-25% load bonus
-Same day reloading
-Emergency fund transfer
MOBILE & PHONE
-Available Apps
-Change of pin through mobile
-24 hrs. customer service
-24 hrs. customer service.
-SMS alerts
-Available Apps
-SMS Alerts
-24 hrs. customer service
 
ACCOUNT FACILITY
-Online account access
-Online change of pin
-Funds allocated online
-Online account access
-Online change of pins
-Online allocation of funds
-Online account access
-Online allocation of funds
-Online account access
-Online change of pin
-Online allocation of funds

Travel Money Card –  Table 2

TRAVEL CARDS/
INFORMATION
Commonwealth Travel Money Card

commonwealth bank travel money card

Virgin Velocity Global Wallet

Virgin Velocity Global Wallet Travel Money Card

 

NAB Travel Money Card

nab traveler Travel Money Card

Qantas Cash MasterCard

qantas Travel Money Card

FEES, CHARGES , & CONVERSION RATES
-Initial card fee is $15
-No monthly inactive fee
-No currency conversion fee
-No secondary card fee
-No reload fee
-No initial card fee
-Monthly inactive fee is $1
-Emergency cash transfer fee is $ 15
-Currency exchange rate is 3%
-No reload fee
– No initial card fee
-No cap on reload fee
-No secondary card fee
-Monthly inactive fee is $4
-Currency conversion rate is 4%
– No initial card fee
-No monthly inactive fee
-No currency conversion fee
-No reload fee
CURRENCIES AVAILABLE
-Multiple currency
-Max no of currency loaded at a point is 13
-Single currency card
-USD, Euros, New Zealand dollars, SA Rand, AUSD, Japanese yen, Chinese Renminbi, Vietnamese Dong, Emirati Dirham, Thai Baht, SD, HKD, CAD, British pound.
– Multiple currency
-Max no of currency loaded at a point is 11
-Euro, AUSD, CAD, Japanese Yen, USD, Thai Baht, SA Rand, Sterling pound, Singapore dollar,   New Zealand dollar, HKD
-Multiple currency
-Single currency
-Max no. of currency loaded at a point is 10
-USD,CAD, Euros, Thai Baht, Singapore dollar, New Zealand dollar, British pound, HKD, Japanese yen
-Multiple currency
-Single currency
Max no of currency loaded at a point is 11
-USD, CAD, Euros, Thai Baht, Singapore dollar, New Zealand dollar, British pound, HKD, Japanese Yen, Emirati Dirham
LIMITS
-Min amount loadable $1
-Max ATM withdrawal is $2,500
-Max transaction amount is $7,500
-Max bill pay reload is $100,000
-Max ATM withdrawal is $2500
-Min loadable fee is $100
 
-Min amount loadable is $50
-Max ATM withdrawal is $3000
-max transaction value is $7000
-max bill pay reload is $25,000
Min. amount loadable is $1
-Max ATM withdrawal is $3000
-Max transaction amount is $15,000
-Max bill pay reload is $ 20.000
CHANNEL OF DISTRIBUTION
-Can be purchased online
-Can be purchased in a branch
-Can be purchased online
-Can be purchase
-Can be purchased in a branch
-Can be purchased online
SECURITY INFORMATION
-Chip and Pin protection
-No bank account linkage
-Ability to lock card
-Ability to change pin
-No bank account linkage
-Ability to lock card
-Ability to change pin
-Chip and pin protection
-No bank account linkage
-Ability to lock card
-Chip and pin protection
-No bank account linkage
-Ability to lock card
ACCESS CHANNELS
-Online purchase
-ATM use
-Online purchase
-ATM use
 
-Online purchase
-ATM use
-Online purchase
-ATM use
TERMS AND CONDITIONS
-Lock in exchange
-Different currencies
-Emergency assistance and card replacement 24/7
-Emergency fund transfer
-Lock in exchange
-Different currencies
-Emergency assistance and card replacement 24/7
-Emergency fund transfer
-Lock in exchange
-Different currencies
-Emergencies assistance and replacement 24/7
-Emergency fund transfer
 
-Lock in exchange
-Different currencies
-Emergency assistance and replacement 24/7
-Emergency fund transfer
RELOAD
 
-Same day reload
 
-Same day reload
-No same day reload
MOBILE & PHONE
-24hr Customer service
-SMS alert
-24 hrs. customer service
-Available app
-24HR Customer service
-Available app
-24hr customer service
ACCOUNT FACILITY
-Online account access
-Online change of pin
-Online access to funds
-Online account access
-Online access of funds
-Online account access
-Online change pin
-Online access of funds
-Online account access
-Online change of pin
-Online access of funds

Westpac global Currency Card – It charges $10 for reloading card and its conversation rates stands at 3%. One can load five different currencies at ago and the maximum ATM withdrawal is $2,500.

Global Wallet (Velocity Frequent Flyer)It does not charge any fee for purchasing initial card but charges monthly inactive fee of $1 after 12 dormant months. It also charges $15 for emergency transfer and the conversation rate is 3%.

ANZ Travel Card The fee for acquiring initial card is $11 and the conversation rate is 3%. There is no monthly inactive fee and maximum number currencies loaded at ago are 10.

Load & Go (AUSTRALIA POST)The conversation rate is at 3% and maximum currencies loaded at a point are 5. It does not charge fee for acquiring initial card.

Cash Passport – Monthly inactive fee of $4.00. There is 25% load balance and 24 hours customer service.

Nab Travel CardConversation rate is 4% and no charge for acquiring initial card. One can change pin and access funds online.

Commonwealth Bank Travel Money Card – Fee for acquiring initial is $15 and the number of currencies available is 13. There is same day reloading and 24 hours customer service.

Cash MasterCard (Qantas Cash) – There is no linkage with bank account and one can lock the card in case of lose. There is 24 hours customer service and online account access.

Please Share your tips, tricks and stories regarding Travel Money Cards in the comments section so that others can benefit on their travels!

*We aim to provide up to date content and information but care should always be taken when purchasing products from retailers. If any information provided is no longer correct then please email us at optimisetravelaustralia@gmail.com or post in the comments section

 

Mobile Phone Options for Travelling Abroad

Mobile Phone

Travelling Abroad requires a lot of planning. Making smart and informed choices regarding your mobile phone is essential. Buying a prepaid sim card for overseas use will definitely save you money while making your daily communication easier with friends, loved ones, and business associates. There are many options available and we have researched and outlined the most popular choices of prepaid sim cards in Australia. Click on the Brands below to visit their website.

It is also important to note that at times it may be easier to simply purchase a prepaid sim card from one of the local mobile carriers in the country that you are visiting. This will likely cut down on costs.

However, if you do not want to lose the practical advantages of having your Australian Prepaid Sim Card with you, then our list below showcases the top mobile carriers and what they have to offer. It is also wise to remember that if your Smartphone is locked to one network it is likely that it will need to be unlocked to use most of these prepaid sims.

Mobile Phone Options for Travelling Abroad – Prepaid Sims

1) Vodafone

5 AUD daily plan For people headed overseas, there is little that could beat the amazing 5 dollars a day roaming plan that Vodafone has. This deal is available on all postpaid plans, including the month to month deals that it offers in Australia. This plan will let you use your plan’s data, voice and text allowance for a flat 5 dollars every day in close to 46 countries all over the world. Examples of countries covered include: New Zealand, The United States, The United Kingdom and other countries in Europe and Asia.

You will also get access to unlimited standard calls to the motherland as well as in the country that you are currently visiting. You will also enjoy free text messages.

For countries that are not in the 5 dollars a day flat rate, you will be charged a flat rate of 1$ per minute for all calls made and 1$ for every megabyte used on the internet. These plans are great for short trips up to 2 weeks. Travelling for long periods can get expensive on these plans if overused.

Vodafone travel sim

2) The Optus 10$ per day Travel Packs

Optus also has great travel packs that will make international roaming hassle free. For example, you will have access to unlimited standard calls and international calls and texts together with 50 MB of data for a flat rate of 10$ every day when in the following areas: New Zealand, The UK, The US, Canada, Asia and Europe.

When your travel pack runs out, charges will be as follows: 1$ per minute for calls, 50 cents for each SMS sent and 50 cents for data. These plans are great for short trips up to 2 weeks. Travelling for long periods can get expensive on these plans if overused.

Optus travel sim

3) Telstra Data Packs

Telstra has the reputation for having the greatest coverage and least black holes in Australia.However, its international roaming rates are not particularly good. For example, Telstra offers 100MB of data at 29$, 85$ for 300 MB and 600 MB for 160$ before topping out at 1GB for 350$. Each data pack is valid for 30 days from the day of activation and can be used in about 50 countries from New Zealand to Canada, Europe, Asia and The US. These plans are designed for longer term travel. When travelling for a minumum of 2-4 weeks these bundle packs become moreappealing and better value as they last for 30 days.

Telstra Prepaid Travel Sim Card

4) Truphone: Local Anywhere

Truphone adds a spanner to the works by allowing an Aussie traveler to view most of the world as a single roaming zone, all while using their local phone numbers. The Truphone World ‘300, plan features 300 voice minutes, 300 SMS and 300MB for 55$ every month. There are similar plans such as 500 plan, 1000 and 2000 plans that are priced at 71.50$, 104.50$ and 159.50$ per month respectively. Truphone is excellent for people who tend to travel to many countries all year round and especially business travelers as it offers local rates and phone numbers to users all on the one sim.

TruPhone Travel Sim Card

5) Woolworth’s Global Roaming Sim Card

For only 29$, you can get the Woolworth global roaming sim card, together with 10$ credit for making phone calls and purchasing data. The sim card is active in over 180 countries, and the fact that you can recharge online is a huge plus for weary travelers who would not want to start looking for scratch cards in the middle of the night. The company also has a page dedicated to comparing rates among all the major sim card companies offering global roaming sim card. As such, you can exercise your judgment in choosing the best card for your purposes. The global data only bundles are also competitive, with 250 MB going for 40$ with a 7-day expiry date, 500 MB for 60$ and 1GB for 90$ both with a 30-day expiry date. Despite being a well recognised brand in Australia and offering good rates there are many stories of the Woolies Sim card not working or being extremely difficult for travelers. Please post your experiences with all Sim cards in the comments below.

Woolworths Global Travel Sim Card

6) Gosim International Sim Card

Get the Gosim international sim card at only 19$ to have access to the following benefits:

a) Calls from 15 cents per minute

b) Have access to more than 195 countries worldwide

c) 10$ credit included, further reducing the cost of acquiring a sim card

d) Enjoy having no connection fees

e) Send text messages at 15 cents per text message

Data rates are competitively priced, starting from 35 cents per MB depending on the country that you are visiting. The company also offers bonus data depending on the type of bundle that you subscribe to. For example, the lite data bundle costing 49$ will give you 65$ value, while the medium data bundle going for 69$ gives you 140$ value and the heavy data bundle pack for 119$ unlocks 360$ worth of data bundles. This represents a credit bonus of 30%, 100% and 200% respectively.

GoSim Mobile Phone Options for Travelling Abroad

7) Australia Post Prepaid Travel Sim

For 24.95$, the Australia Post Prepaid Travel sim will unlock the following for you:

a) One contact number to use in over 190 countries

b) No contract, no minimum spend requirements and no hidden charges

c) Unlimited free web-based SMS to your travel sim

d) 5$ call credit when you buy your travel sim

e) 0.50$ per MB while in Europe

f) 24/7 personal assistant services when you encounter difficulties

g) Loyalty program for airlines and hotels that rewards you with 1 mile for every minute

called.

My girlfriend and I used the option when travelling to America previously. It was easy to reload and reliable to use but the rates for calls, texts and data were not as competitive as other options.

Australia Post Mobile Phone Options for Travelling Abroad

8) TravelSIM

TravelSIM is a roaming service that will give you access to over 190 countries. It is interesting to note that with this sim card, your friends and family will be able to call you toll-free and also send you web-based SMSs. There are no hidden charges, connection charges and flag falls with the TravelSIM. The sim card is prepaid, meaning that you will not see any surprise bills at your front door at the end of the month.

There is a personal assistant service on standby 24/7 that you can call when you experience difficulties. The official website for TravelSIM has a page for frequent travelers to calculate and compare rates while using the prepaid sim card for overseas travel.

The TravelSIM starter pack goes for 49.95$, though it includes a 20$ call credit, which means that its true cost is about 29.95$.

Travel Sim Mobile Phone Options for Travelling Abroad

9) Aussie Sim

The Aussie sim is for travelers visiting popular hotspots such as the UK, Europe, Indonesia, Thailand and Malaysia. The company also claims to have rates that are 95% cheaper than using your Australian mobile phone. It will cost you approximately 24.95$-39.95$ to purchase an Aussie sim card for global travel. This offer comes with free shipping. Being primarily focused on South East Asian countries and Europe this option is aimed at backpackers

The sim card will give you coverage in over 175 countries. The company has an interactive web page where you can calculate call, text and data rates in the country of your choice.

Aussie Sim Mobile Phone Options for Travelling Abroad

Please Share your tips, tricks, and stories in the comments section so that others can benefit on their travels!

*We aim to provide up to date content and information but care should always be taken when purchasing products from retailers. If any information provided is no longer correct then please email us at optimisetravelaustralia@gmail.com or post in the comments section

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