Limits and Fees


 Limit TypeLimit
Maximum number of cards you may hold in your name at any one time One
Maximum amount per load/reload NZD$25,000 or currency equivalent
Maximum amount per load/reload using Debit Mastercard Load NZD$15,000 in any 24 hour period
NZD$30,000 in any 7 day period
NZD$60,000 in any 30 day period
Maximum Bank Transfer Load amount per day NZD$25,000
Maximum you can withdraw from ATMs in any 24-hour period (some ATM operators may set their own withdrawal limits which may be lower than this limit) NZD$3,000 or currency equivalent
Maximum value of point of sale (POS) transactions performed in any 24-hour period NZD$15,000 or currency equivalent
Maximum balance allowed at any one time across all currencies NZD$75,000 
Maximum amount you can load across all currencies during a 12-month period NZD$75,000 
Minimum amount per load/reload  NZD$10 or currency equivalent



 Fee TypeFee
Initial card/Card Issue fee Free
Replacement Card Free
Bank Transfer Load fee Free
Debit Mastercard Load fee 1.5% of load amount
International ATM withdrawal fee
(outside New Zealand)
Domestic ATM withdrawal fee NZD$4
Monthly Account/Inactivity fee
Charged at the start of each month if you have not made any transactions in the previous 12 months
Cash Out/Unload fee
When you close or Cash Out your Westpac Global Currency Card.
24/7 Global Emergency Assistance
International calling fees and mobile charges may apply, contact your provider for further details.
Currency conversion fee
Applied when a purchase or ATM withdrawal is conducted in a currency not loaded or where the loaded currency balance is insufficient and funds are automatically converted from another currency to complete the transaction.
Mastercard rate plus 5.95% of the transaction value. The Mastercard rate is the exchange rate determined by Mastercard to be their wholesale rate or the government mandated rate in effect in the day the transaction is processed by Mastercard.

Exchanges Rates

 Exchange TypeExchange Rate
Online Currency Load or Reload
Where you load funds in a foreign currency (i.e. a currency that is not NZ dollars)
At the then applicable retail foreign exchange rate determined by us. This rate reflects Mastercard Prepaid Management Services’ cost price plus a margin determined by Mastercard Prepaid Management Services.2
Currency to Currency Transfer
Applies when you move funds from one currency to another or when you request a Cash Out and you have funds in a foreign currency
At the then applicable retail foreign exchange rate as determined by Mastercard.2
Bank Transfer Reload (where the default currency is not NZD, and the cardholder completes a Bank Transfer to pay funds onto their card without booking an Online Reload via the website) At the then applicable retail foreign exchange rate as determined by Mastercard.2

1. Some ATM operators may independently charge fees.
2. For online reloads we will notify you of the rate that will apply at the time you book your transaction or allocate your funds between relevant currencies (further terms and conditions may apply and will be provided to you at that time).