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Fees payable when you transact with overseas merchants using your credit card

We charge you an international transaction fee when you make a purchase or obtain a cash advance (whether in a foreign currency or Australian dollars):

  • While overseas; or
  • In Australia (for example online) where there is an overseas connection, as the merchant, or the financial institution or entity processing the transaction, is located overseas.
  • Transactions converted by Mastercard® or Visa®  - 3.00%
  • Transactions converted by American Express® - 3.50%*
  • Transactions in Australian dollars but with an overseas connection  - 3.00%. 

* If you’re a CommBank Platinum or Diamond Awards customer, you’ll pay zero international transaction fees on purchases made in-store and online when using your Platinum or Diamond Awards American Express card. For cash advances, the relevant cash advance charge will still apply.

In some cases, overseas merchants may allow you to pay in Australian dollars, e.g. when you’re shopping online or over the phone. This is still considered an international transaction because your transaction is processed overseas.

Just because a merchant has a .com.au website address and displays prices in Australian dollars doesn’t necessarily mean they’re located in Australia or process payments in Australia. It’s best to check with the merchant before you pay if you are unsure.

Here are some well-known merchants that process some online and telephone credit card transactions overseas:

COMPANY/ BUSINESS NAME

WHERE THEY PROCESS SOME PAYMENTS

AMAZON MARKETPLACE

Luxembourg

GOOGLE PLAY

UK, Singapore

BOOK DEPOSITORY

UK

PLAYSTATION

UK

ADOBE

Ireland

VISTA PRINT

Netherlands

SKYPE

Luxembourg

MCAFEE

Ireland

RENTAL CARS

UK

CRAZY DOMAINS

Cyprus

ALI EXPRESS

UK

ANCESTRY.COM.AU

Ireland

GODADDY

USA

BLIZZARD

Netherlands

SPOTIFY

Sweden

CHARLES TYRWHITT

UK

STRAWBERRYNET

UK

SKYPE

UK

IHERB.COM

USA

Note: This is not a complete list of merchants, and you may also be charged international transaction fees on transactions in Australian dollars you make with other merchants. Not all transactions with these merchants may be processed at the specified location or overseas. Information accurate as of 6 July 2016.

When you’re making a purchase in Australian dollars with an overseas merchant, the merchant you’re buying from should also give you the option to pay in the foreign currency. If you are given this choice it will generally indicate that merchant is processing your transaction overseas.

If you choose to purchase something from an overseas merchant in Australian dollars, the merchant may use a third party to convert your transaction into their currency. This could mean you are given a less favourable exchange rate which may end up costing you more than if you’d paid in the foreign currency.

There are a few options for you when it comes to saving on international transaction fees.

  • Know before you pay - ask the online merchant if they’re located overseas or if they process their credit card payments outside of Australia.
  • Consider paying for items in the foreign currency rather than in Australian dollars – the exchange rate may work to your advantage.
  • Use our Lock, Block, Limit® feature in the CommBank app or NetBank to lock international online and in-store payments.

Things you should know

MasterCard and the MasterCard Brand Mark are registered trademarks of MasterCard International Incorporated.

If you’re a CommBank Platinum or Diamond Awards customer, you’ll pay zero international transaction fees on purchases made in-store and online when using your Platinum or Diamond Awards American Express card. For cash advances, the relevant cash advance charge will still apply.