1. finance
2. personal finance
3. lending
4. credit cards

ACCESSING
YOUR MONEY
OVERSEAS.
ACCESSING YOUR
MONEY, ANYTIME,
ANYWHERE.
No matter where you’re going, you’ll need easy, secure access to your money.
Travel Money Card
Credit Cards
A prepaid MasterCard that lets
you use your own money in multiple
currencies at a locked-in foreign
exchange rate – accepted at
35 million locations worldwide.
A range of cards accepted
worldwide, with options to suit
every traveller.
Foreign Cash
$
It is useful to have at least some cash
in the local currency when at stopovers
and when you arrive at your destination
– especially if you don’t speak the
local language.
Travellers Cheques
Accepted worldwide and with a locked
in foreign exchange rate, Travellers
Cheques are secure and useful in
places where cards are not accepted
– plus they never expire so they can
be used for your next trip.
Travel Loan
A quick and easy Personal Loan
could help fund your travels. You can
choose from different loan options
to suit your lifestyle and needs.
C
Debit MasterCard®
Accepted at over 35 million locations
worldwide, a Debit MasterCard is an
easy way to pay with your own money,
without carrying a wallet full of cash.
$
Keycard
Fast access to your cash through
the global MasterCard, Maestro/Cirrus
and Visa Plus networks.
+$ Personal Overdraft
A great feature of your
Everyday Account that allows
you to access additional funds,
up to an approved limit.
Travel Checklist.
Whether you’re taking the trip of a lifetime or it’s strictly business, there’s plenty
to organise before you go. Here’s a handy travel checklist to help you get started.
Money
❏❏ Take a mixed wallet with a Travel
Money Card, Foreign Cash, Debit
MasterCard or Keycard and Credit
Cards – various payment options for all
situations.
❏❏ If you have a Keycard, make sure
that the Everyday Account you want
to access is linked as the primary
savings account.
❏❏ Check international fees and
charges on transactions on your
accounts so there are no surprises
when you return.
❏❏ Apply for a Travel Loan if you need
some help financing your travels.
❏❏ Apply for a Personal Overdraft
before you go to give you access to
extra funds should any unexpected
costs arise.
Security
❏❏ Notify us before you go to avoid
a temporary hold being placed on
your card(s). You can do this through
NetBank via the ‘Managing your
Accounts’ tab or drop in at a Branch.
❏❏ Register with smarttraveller.gov.au
and stay up to date with the latest
Government travel warnings.
❏❏ Register for NetBank and download
the CommBank app so you can
manage your accounts with ease
while you’re overseas.
❏❏ Increase security by setting a PIN
on your Travel Money Card, Debit
MasterCard or Keycard and Credit
Cards. Make sure you memorise
the PIN numbers before you go.
❏❏ If you’re not taking your mobile,
it’s a great idea to register for a
NetCode token so you can still
transfer money online.
Other tips
❏❏ Plan ahead to make sure your passport,
visas and other essential documents
are ready. Make photocopies and
leave with a family member or keep
separately in case anything goes missing.
❏❏ Organise Travel Insurance to
protect you if the unexpected occurs.
Certain CommBank credit cards
offer complimentary international
travel insurance.
❏❏ If you’re taking your mobile, check with
your phone company about the fees
and charges you could pay for global
roaming. Global roaming means that
you can receive NetCode SMS while
you’re overseas.
1
Travel Money Card.
• Holds multiple currencies at any
one time – perfect for when you
are travelling to different countries.
• Lock in the foreign currency amount
when you load your card so you’ll
always know how much you have to
spend, no matter how the Australian
Dollar moves.
• Enjoy fee-free purchases in store,
over the phone or online.
• Use the Travel Money Card even if the
local currency is not loaded onto the
card – we will manage all the currency
conversions for you fee-free.
• Convenience of same day reloads
using Bpay® (through your CBA
transaction account).
For more information
Did you know?
• Your card is protected by chip,
PIN, signature and 24 hour fraud
monitoring and isn’t linked to your
bank account so you’ll have peace
of mind while you travel.
• We give you a back-up card,
so you’ll still have access to your
cash if your original card is lost
or stolen.
• Your card is valid for three years so
you can reload for future trips and
use for online shopping.
• You can transfer funds from your
Travel Money Card to your CBA
transaction account at any time.
• If you have a CommBank Gold,
Platinum or Diamond Credit Card,
we will waive the card issue fee.
commbank.com.au/travelmoney
How to purchase
Drop into any CommBank branch and it will be issued on the spot.
og on to NetBank.
L
(Allow 5 business days for delivery*)
* Delivery may take longer outside metropolitan areas.
2
Foreign Cash and
Travellers Cheques.
Foreign Cash
Travellers Cheques
• Choose the currency, the
denominations and the amount in
advance so you can focus on seeing
the sights, not changing money.
• By buying Travellers Cheques before
you go, at the time you choose, you’re
in control of the exchange rate. So
there won’t be any nasty surprises
down the track.
• Order online, choose your branch
location for collection and have it
delivered within 3 business days.
• You can also withdraw cash from
one of our Foreign Exchange ATMs.
Please check our website for
location details.
• Travellers Cheques never expire,
so you can save unused cheques
for your next trip.
• Lost or stolen Travellers Cheques can
be replaced with a single telephone
call – usually within 24 hours, virtually
anywhere around the world.
For more information
commbank.com.au/foreigncash
commbank.com.au/travellerscheques
How to purchase
Drop into any CommBank branch.
Purchase online via commbank.com.au/expressfx
(Allow 3 business days for delivery to your chosen branch)
3
Everyday Accounts.
Our Everyday Accounts provide you with global access to your money via
a Debit MasterCard or Keycard while you travel.
Debit MasterCard
• Keep your money secure and protect your card from being copied
with secure chip technology. You’re also protected against fraud
and unauthorised charges by MasterCard Zero Liability protection^.
$
• It’s your money, so you can relax, knowing that you won’t be
greeted by a credit card bill when you return home.
Keycard
$
• Pay by EFTPOS at any outlet connected to the Maestro network.
• By linking your Everyday Account to your Keycard in the primary
savings position, you can withdraw cash through overseas ATMs
that display the Maestro/Cirrus or Visa Plus logo*.
Personal Overdraft
+$
• There when you need it, free when you don’t.
• Provides a safety net in case there is an unexpected bill or additional
expenses you haven’t planned for.
• Links directly to your Everyday Account so you can avoid potential
overdrawing and dishonour fees.
When your Everyday Account is used in conjunction with your Travel Money Card, you get faster
access to your money. If you reload to your Travel Money Card via Bpay from your CommBank
Everyday Account, it will be available within 24 hours. It may take up to 2 business days for reloads
made via Bpay from another financial institution.
For more information
commbank.com.au/bankaccounts
How to apply
Drop into any CommBank branch.
Call 13 2221, 24 hours a day, 7 days a week.
Log on to NetBank or via commbank.com.au
^MasterCard Zero Liability Policy does not apply to commercial cards or for PIN based transactions. Other restrictions apply. For full
details, visit mastercard.com.au
* Except in Europe, where only your credit account is available.
4
Credit Cards.
• Eligible cardholders can enjoy
Complimentary International Travel
Insurance for you, your spouse and
your dependent children for return trips
for a set period from Australia when you
use your CommBank credit card to pay
at least $1,000 of each person’s travel
costs. Other eligibility criteria and
conditions apply†.
• By linking your CommBank
MasterCard or Visa to your primary
savings or cheque account, you can
withdraw cash through overseas ATMs
that display the MasterCard, Maestro
or Cirrus logo*.
• CommBank Platinum and Diamond
cardholders enjoy complimentary
concierge service around the world,
from getting tickets to a special event,
helping with travel arrangements or
organising special requests^.
• Adding an additional cardholder
is an easy way to share the
convenience and accessibility
of your CommBank credit card,
without opening a new account.
For more information
commbank.com.au/creditcards
How to apply
Drop into any CommBank branch.
Call 13 2221, 24 hours a day, 7 days a week.
Log on to NetBank or via commbank.com.au
†Restrictions and exclusions, including for pre-existing medical conditions and age 80 or over, limits and excesses may apply. Please refer
to our Credit Card Complimentary Insurance and Guaranteed Pricing Cover brochure available from commbank.com.au/creditcardinsurance
or from any CommBank branch for full details, including definitions of key terms such as ‘spouse’ and ‘dependent children’.
For Gold cards the maximum length of cover is a 3 month return trip. For Platinum and Diamond cards the maximum length of cover is a
12 month return trip.
*Except in Europe, where only your credit account is available.
^Requests for service outside scope of Concierge Service may not be processed. Limits may be placed on excessive requests for services.
See Your Concierge service Terms and Conditions available at commbank.com.au/creditcardtermsandconditions for further detail.
5
Travel Loan.
• Our quick and simple application
process means that you will receive
a response in 60 seconds and in many
cases, you can even get the funds the
same day.
• Our variable rate loan allows you to
have complete control through the
flexibility of paying down your loan
faster or the ability to redraw the
extra money whenever you need it.
• If you prefer certainty on your
repayments, a fixed rate loan will
protect you from rate fluctuations.
• You can select a repayment
frequency of weekly, fortnightly
or monthly, and we can set up a
direct debit for your repayments to
align with your pay day, or whenever
best suits you.
For more information
commbank.com.au/travelloan
How to apply
Drop into any CommBank branch.
Call 13 1431, 8am-8pm, 7 days a week.
Log on to NetBank or via commbank.com.au
6
When you’re travelling.
The world is a big place, so there are a few things you should know while
you’re away.
Banking from anywhere in the world
• Register for Travel Money Online,
available on desktop and the
CommBank app, so you can check
your Travel Money Card balance, view
your transactions and set SMS alerts.
–S
chedule your regular bill payments
for a future date.
–T
ransfer funds between your linked
accounts or to a third party.
• You can use NetBank to:
–V
iew and pay your bills online with
Bpay View.
– Reload your Travel Money Card
via Bpay.
–U
pdate details of the dates and
countries you’re visiting.
– Apply for an increase to your credit
card limit.
–C
hange your PIN on your Debit
MasterCard, Keycard or Credit Card.
–C
heck your CommBank
account balances.
Withdrawing foreign currency
• You can withdraw foreign currency
overseas from an ATM using your Travel
Money Card, Debit MasterCard, Keycard
or Credit Card.
• Consider your daily card and transaction
limits when spending. These vary
depending on the card. Please check
product brochures for full details.
• ATMs in some countries may apply
lower transaction limits.
• Cash withdrawals on your credit
cards are treated as a cash advance,
and applicable charges will apply.
• In some countries, you may be asked to
sign for your purchase instead of entering
your PIN.
• If you’re overseas using your Travel
Money Card at a terminal that requires a
6-digit PIN, try using your 4-digit PIN and
if it doesn’t work, try adding 2 zeros after
your PIN.
• Remember to select the ‘credit’ option
when using your Travel Money Card at
merchants and ATMs. Like our credit
cards, your Travel Money Card won’t
work if you select the ‘savings’ or
‘cheque’ option.
7
We’re here to help.
If you have questions or your card
is compromised, lost or stolen,
we’re ready to help — 24 hours
a day, 365 days a year.
Enquiries
General enquiries
• Call us on +61 13 2221.
Travel Money Card
• If you are in Australia, call us on 1300 660 700.
• If you are overseas, call us on +61 2 9374 0609.
Debit MasterCard
and Keycard
• If you are in Australia, call us on 13 2221.
Credit Card
• If you are in Australia, call us on 13 2221.
• If you are overseas, call us on +61 2 9999 3283.
• If you are overseas, call us on +61 2 9999 3283.
(reverse charges accepted).
Lost or Stolen cards
Travel Money Card
• If you are in Australia, call us on 1300 660 700.
• If you are overseas, call us on +61 2 9374 0609.
Debit MasterCard
and Keycard
• If you are in Australia, call us on 13 2221.
Credit Card
MasterCard
• If you are in the USA, free call 1800 627 8372.
Credit Card
Visa
• If you are in the USA, free call 1866 765 9644.
Credit Card
American Express
• Call +61 13 2221 or + 61 2 9999 3283
(reverse charges accepted).
• If you are overseas, call us on +61 2 9999 3283.
• If you are not in the USA, call the USA reverse charges/
collect on +1 636 722 7111.
• If you are not in the USA, call the USA reverse charges/
collect on +1 303 967 1090.
Call charges may apply.
8
Important contact numbers when overseas
General enquiries
• Call us on +61 13 2221.
Travel Money
Card enquiries
• Call us on +61 2 9374 0609
Debit MasterCard
and Keycard
enquiries
• Call us on +61 2 9999 3283.
Credit Card enquiries • Call us on +61 2 9999 3283
(reverse charges accepted).
Call charges may apply.
Take these important contact numbers
on your travels.
Things to know before you Can.
Applications for finance are subject to the Commonwealth Bank’s normal credit approval. Full terms and conditions will be included in our
loan offer. Fees and charges are payable.
As this advice has been prepared without considering your objectives, financial situation or needs, you should, before acting on the
advice, consider its appropriateness to your circumstances.
Full terms and conditions for Telephone Banking, NetBank, ATMs, BPAY® and EFTPOS are available on request. Fees and charges apply.
A Product Disclosure Statement for Travel Money Card and Transaction, Savings and Investment Accounts Terms and Conditions covering
Everyday Accounts are available from commbank.com.au or from any branch of the Bank and should be considered before making any
decision about the product.
Travellers Cheques are issued by American Express International, Inc ABN 15 000 618 208.
BPAY is a registered trademark of BPAY Pty Ltd ABN 69 079 137 518.
MasterCard, the MasterCard Brand Mark are registered trademarks of MasterCard International Incorporated.
American Express is a registered trademark of American Express. American Express Cards are issued by Commonwealth Bank
of Australia pursuant to a license from American Express.
Maestro is a registered trademark of MasterCard International Incorporated and affiliates.
Cirrus is a registered trademark of Cirrus System, LLC, formerly known as Cirrus System, Inc.
If you have a complaint you can find out about our dispute resolution process by calling 13 2221.
Commonwealth Bank of Australia ABN 48 123 123 124. Australian credit licence 234945.
9
Lost or Stolen cards contact numbers when overseas
Travel Money Card
• Call us on +61 2 9374 0609.
Debit MasterCard
and Keycard
• Call us on +61 2 9999 3283.
Credit Card
MasterCard
• If you are in the USA, free call 1800 627 8372.
• If you are not in the USA, call the USA reverse
Credit Card Visa
• If you are in the USA, free call 1866 765 9644.
• If you are not in the USA, call the USA reverse
Credit Card
American Express
• Call +61 13 2221 or + 61 2 9999 3283
charges/collect on +1 636 722 7111.
charges/collect on +1 303 967 1090.
(reverse charges accepted).
ADB2323 010214
Call charges may apply.