A Travel Money Card can store up to 13 currencies at any one time. The applicable currency will automatically be used for the country you’re in if you have that currency on your card.

How does a Travel Money Card work?

Say you’re in Europe and you have Euro loaded on your card as well as United States Dollars and New Zealand Dollars. The Euros you have will automatically be used, provided you have enough in that currency for your transaction.

If you don’t have enough, the next currency in your currency order with a sufficient balance will be used, for example:

You have 20 Euros (EUR) and 100 New Zealand Dollars (NZD) left on your Travel Money Card and are paying for a meal costing 30 EUR. Since you have insufficient EUR for the full transaction but sufficient funds in NZD, your Travel Money Card will automatically convert NZD into the equivalent of 30 EUR to pay for your meal (leaving the original 20 Euros on your card) instead of declining the transaction.

If we have to automatically transfer money between the currencies on your card to enable the completion of a transaction, we'll use the MasterCard or Visa exchange rate at the time of conversion, plus a margin. The margin is subject to change from time to time. For the current margin, see Travel Money Card fees and charges

To avoid additional fees, always make sure your card is topped up with the local currency by reloading in NetBank or the CommBank app. 

Currency order

When you have more than one currency on your card, a currency order will apply. There is a default currency order which you can change:

  1. United States Dollars (USD)
  2. Euros (EUR)
  3. Great British pounds (GBP)
  4. Australian Dollars (AUD)
  5. Japanese Yen (JPY)
  6. New Zealand Dollars (NZD)
  7. Hong Kong Dollars (HKD)
  8. Canadian Dollars (CAD)
  9. Singapore Dollars (SGD)
  10. Thai Baht (THB)
  11. Vietnamese Dong (VND)
  12. Chinese Renminbi (CNY)
  13. Emirati Dirham (AED)

Setting your currency order

Even though your card will automatically deduct funds from the currency where your transaction takes place (assuming you have the currency loaded on your card), you may want to think about setting your own order of currencies - especially if you reload your card via BPAY®.  This is because the funds will automatically go to the first currency in order.

To find out more or to change your currency order, log on to NetBank or call (+61) 1300 660 700.

What to do in an emergency

  • Lock, Block, Limit your CommBank credit card or lock your Travel Money Card for added security
  • Cancel and order replacement CommBank cards in NetBank or the CommBank app
  • Call us 24/7 on +61 2 9999 3283 to report lost or stolen CommBank cards

For 24-hour travel insurance emergency assistance, call Cover-More in Australia direct and toll free on +61 2 8907 5641. You can also call from:

  • Canada on 1844 345 1662
  • New Zealand on 0800 632 031
  • UK on 0808 234 3737
  • USA on 1844 345 1662

Charges apply if calling from a pay phone or a mobile phone.

Take your next step

Order a Travel Money Card online

Things you should know

This article is intended to provide general information of an educational nature only. It does not have regard to the financial situation or needs of any reader and must not be relied upon as financial product advice. Insurance issued and managed by Cover-More Insurance Services Pty Ltd (AFSL 241713, ABN 95 003 114 145) on behalf of the insurer Zurich Australian Insurance Limited (AFSL 232507, ABN 13 000 296 640) for Commonwealth Bank of Australia (‘CBA’) (ABN 48 123 123 124, AFSL 234945). CBA and its related bodies corporate do not issue or guarantee this insurance. It does not represent a deposit with or liability of either CBA or any of its related bodies corporate. Terms, conditions, exclusions, (including for pre-existing medical conditions and persons aged 80 years or over for international travel insurance included with an eligible CommBank credit card or persons aged 74 years or over for CBA Travel Insurance) limits and excesses apply. Before making a decision, refer to the relevant Product Disclosure Statement for full conditions at commbank.com.au. You need to activate your international travel insurance included with eligible CommBank credit cards before each trip in order to have comprehensive level of cover. If you don’t activate, you’ll receive personal liability cover and overseas emergency medical assistance and overseas emergency medical and hospital expenses cover only. We (CBA) do not provide any advice on this insurance based on any consideration of your objectives, financial situation or needs. If you purchase or upgrade a policy, we (CBA) receive a commission which is a percentage of your premium.