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Travellers can budget on the move with NAB’s new Traveller Card

By James Richards

• Updated 20.10.2021
• First Published 16.09.2014

National Australia Bank has made its Traveller Card even easier for jetsetters to use with a new capability to manage funds through internet banking from anywhere in the world.

NAB General Manager Cards & Personal Loans, Michael Shurlin said customers could load money onto their Traveller Card in up to ten different currencies before they take off on holiday and then manage their travel budget within internet banking while they were on the move.

“This new functionality makes NAB’s Traveller Card even easier to use, as we know customers take their smartphones and tablets with them on their holidays to make their travel easier,” he said.

“The technology introduced by NAB in June shows customers now find it easier to use their card, with a 30% increase in the amount of funds customers load while travelling.”

NAB is waiving the initial load fee of 1%, so customers can prepare to go overseas by setting up their Traveller Card with their funds and no fee.

NAB General Manager Digital, Todd Copeland said NAB was the first Australian Bank to link a travel card to its internet banking platform, giving customers the ability to manage their travel funds in real-time on both NAB internet banking and mobile internet banking.

“Being able to open up your internet banking and handle all your Traveller Card needs on-the-go is a great tool for our customers, and gives them more time to spend on their holiday.”

“Almost 60 per cent of NAB customers access their banking via a mobile or a tablet device, so it was important to provide a mobile solution for customers who are travelling.”

In addition to being able to load funds in real-time, customer improvements include viewing balances, transaction history and funds transfer between different currencies on the go.

Customers can cash out their cards online and keep the card open to use again in the future, and with real-time rates, customers can lock in rates via internet banking 24 hours-a-day, seven days-a-week. Ordering new NAB Traveller Cards has also been made easier and faster for customers.

Previously reloading cards overseas required BPAY payments, and steps involving pre-authenticating billers and setting up NAB as a preferred biller.

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NAB Traveller Card Review

Learn about the NAB Traveller Card in this review to help you decide whether this is the card for you

• Use anywhere you see the Mastercard logo
• Load up to 10 currencies
• Lock in exchange rates
• Withdraw from over 2.1 million ATMs worldwide
• 24/7 Global Emergency Assistance

Pros and cons of using the NAB Traveller Card

• No ATM, load or reload fees
• Complimentary back-up card with different PIN
• 24/7 Global Assistance
• $3.75 ATM fee in Australia
• You cannot change your PIN
• 4% Foreign Currency Conversion

Benefits of the NAB Traveller Card

• Chip and PIN
• Complimentary secondary card with a different PIN
• Free replacement card if lost or stolen

Convenience

• Either keep your card until next time or transfer over your leftover funds

• No international ATM or POS fees
• No load or reload fee

Manage Your Money

• Manage, check and reload 24/7 through NAB Internet Banking, or via BPAY or at any NAB branch
• Moving funds from currency to currency on the card using the NAB currency-to-currency foreign exchange rate

All prices are in AUD

Currencies and Countries

Currencies supported.

• Australian dollars (AUD)
• US dollars (USD)
• Great British pounds (GBP)
• New Zealand dollars (NZD)
• Hong Kong dollars (HKD
• Canadian dollars (CAD)
• Singapore dollars (SGD)
• Thai baht (THB)
• Japanese yen (JPY)

Load Amounts

• Minimum Load: $50
• Maximum Load: $45,000

Transaction Limits

• ATM Withdrawal Limit (24 hours) : AUD 3,000 (or currency equivalent)
• POS Transaction Limit (24 hours): AUD 7,000 (or currency equivalent)

Harriet is from Auckland, New Zealand but is living in Australia while she completes her university degree. Harriet regularly goes home to see friends and family, and plans to meet her friends in Japan for a ski trip. Harriet is unsure of the best way to secure her spending money for the trip, so when she researched, she found the NAB Traveller Card to suit her needs. She was able to load her AUD to JPY for her ski trip, and along with no international ATM or POS fees, Harriet was free to withdraw and spend money abroad worry-free. She also found it handy when going home too, as she could load her hard-earned AUD to NZD with no hassle at all through the NAB Internet Banking app.

How To Apply for the the NAB Traveller Card

Order your card online and pick-up at an NAB branch closest to you

Register or login to check a Compensation Card balance.

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Login to view your card balance and transactions.

Enter the last 4 digits of the number found on the front of your card.

• Travel Advice

Travel money cards were ranked in order of highest value of USD/ euros after fees and conversions

HERE’S a list of the Top 10 best travel money cards to use when holidaying in the United States and Europe, revealing the least withdrawal fees.

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WHEN it comes to travelling there’s lots to tick off the “to-do” list and more often than not, travel money cards become an afterthought.

But don’t be lazy, that’s the advice from comparative site finder.com.au ’s money expert Bessie Hassan, who says by settling for your standard credit or debit card it can leave you with plenty of unsuspecting fees .

“Taking your everyday credit or debit card on holiday instead of getting a travel money card will mean you’ll be charged on average 3 per cent per transaction,” Ms Hassan said. “That’s a lot in fees so don’t be lazy or leave it to the last minute.”

Most people will turn to their avid travelling mate for advice on which banks provide the best travel cards and according to the site that’s Travelex Money Card and ANZ Travel Card.

The Best Travel Money Card analysis also revealed that NAB’s Traveller Card was the only one not to have any fees, but it ranked fifth for not offering as much as the others when converting $10,000 to US dollars and euros.

Unfortunately for some travellers, it’s not until they check out of that luxurious hotel on the Amalfi Coast or go on that major shopping spree in Hawaii, when they realise their everyday card has clocked a bunch of fees.

Ms Hassan said prepaid travel money cards are often a better alternative than taking your standard card as you can load it with different currencies at a locked-in exchange rate.

“Often, you can load up to 10 different currencies on the card and they typically come with fewer fees, such as $0 foreign currency conversion fees,” she said.

“Travel money cards protect you from exchange rate fluctuations while you’re travelling, and they also help you better stick to your budget.”

TRAVELLING TO AMERICA

Based on the lowest withdrawal fees, reload fees and initial load fees, the best travel money card is Travelex, according to the finder.com.au.

It topped its Best Travel Money Card survey for having no ATM fees when it comes to withdrawing money and gives you the most when converting $AU10,000 to US dollars at $7140.

While the NAB Traveller Card was the only one out of the 10 to not have any withdrawal, reload or initial loading fees, it gives you $US7,066 when converting it from $10,000 (that’s $US74 less than Travelex) — ranking it as fifth on the list.

ANZ Travel Card came in second, followed by CBA and Suncorp.

All three slapped customers with a $AU3.50 withdrawal fee but gave the most US dollars when converting $AU10,000.

Westpac Global Currency Card had a $AU2.00 withdrawal fee and Qantas came second, behind Tavelex and NAB for having the least overall fees, but respectively came sixth and seventh on the list when it came to converting it to $US10,000.

Travel Money Oz had a $AU3.50 withdrawal fee and the highest reload fee at 1.10 per cent.

Finder.com.au assessed the travel money cards based on fees and conversion rates then ranked them in order of the highest value of US dollars after fees and conversions.

TRAVELLING TO EUROPE

Based on the lowest withdrawal fees, reload fees and initial load fees, the best travel money card is the ANZ Travel Card, according to finder.com.au.

Please note, the ranking in the euro table is different when compared to the USD table due to the conversion rate.

Again, NAB Traveller Card was the only one out of the 10 with no fees.

It only ranked fifth for giving €95 less than ANZ’s card when converting it euros (€6,047 compared to ANZ’s €6,142).

In second spot was Travelex Money Card which also had no additional fees, except a 1 per cent reload fee.

Suncorp Cash Passport Platinum and CBA Travel Money Card both have $3.50 ATM withdrawal fees but no reload or initial load fees, ranking them in third and fourth place.

Westpac Global Currency Card and Qantas Cash followed Travelex and NAB for having the lows withdrawal fees at $2.00 and $1.95 respectively, but their overall currency conversion offered less than those who had the higher withdrawal fees.

Travel Money Oz had the most all-round fees, offering just €5,988 when converting $10,000, compared to ANZ at €6,142.

But it was AusPost Cash Passport that ranked 10 for its $AU3.50 withdrawal fee combined with its currency conversion of €5,951 which was €191 less than ANZ.

Finder.com.au accessed the travel money cards based on fees and conversion rates then ranked them in order of the highest value of euros after fees and conversions.

TOP TIPS — finder.com.au

• The right travel money card depends on your personal situation, including your destination, the length of your trip, and the features you value most.
• Opt for a travel money card with $0 conversion or ATM withdrawal fees, and one that supports the currencies you’ll need.
• Be cautious of fees including initial load fees and inactivity fees that may apply to ensure you get the most cost-effective product.
• If you choose a card with an inactivity fee, make sure to take any remaining funds off your card when you get home as fees can result in your money dripping away unnoticed.

BIGGEST MISTAKES — finder.com.au

• Taking your everyday credit or debit card on holiday instead of getting a travel money card will mean you’ll be charged on average 3 per cent per transaction.
• Withdrawing too little from the ATM — having to find an ATM when you’re travelling is not only annoying when but will add up if your bank charges international ATM fees.
• Not all travel cards give you the same exchange rates, and while only 1c seems small, it can add up substantially if you’re converting thousands of dollars so don’t forget to compare the exchange rates between providers.
• Using a card with foreign transaction fees — by using a card with no international transaction fees you’ll save on ATM fees. Depending on where you’re travelling to, it may also be safer and more convenient than having to carry cash.

THE MAIN FEES TO LOOK OUT FOR — finder.com.au

• Initial load fee: Depending on the card, you might be charged a fee (such as a percentage of the loading amount) when you first load funds on the card.
• Reload fees: If the card doesn’t charge an initial load fee, it may charge another fee each time you load funds on the card. If this is the case, you might want to reconsider how often you reload the card.
• ATM withdrawal fees: Some cards will charge a different ATM withdrawal fee depending on where you’re withdrawing your cash. If the bank provider belongs to an ATM alliance, you might be able to avoid ATM withdrawal fees from the issuer. It’s important to note that local ATM fees may still apply.
• Inactivity fee: An inactivity fee is charged if you don’t use the card (usually after 12 months) and there’s money remaining on the account.
• Currency conversion fees: Charged when you make a purchase overseas.

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Real ID deadline is rapidly approaching, what to know about the new flight requirement

The really real deadline to make your state-issued identified card, or driver’s license Real ID compliant will be here before you know it. 

And you won’t be fly domestically after 2025 without it. The government has been trying to make Real IDs a thing for a while, initially passing The Real ID act in 2005 in an attempt to set “minimum security standards” for state-issued identification documents.

The law was set to take effect in 2020 but was pushed back by the Department of Homeland Security over “backlogged transactions” at MVD offices nationwide as a result of the COVID-19 pandemic, according to USA TODAY reporting . 

The May 2025 extension was necessary, DHS says, as state driver’s licensing agencies worked to address the mountains of paperwork, which in turn impacted the MVD’s ability to make any real progress on the Real ID rollout. 

“Following the enforcement deadline, federal agencies, including the Transportation Security Administration, will be prohibited from accepting driver’s licenses and identification cards that do not meet these federal standards,” DHS said in 2022. 

Learn more: Best travel insurance

That means every every traveler, 18 or older, must have a compliant form of identification in order to travel.

Here’s what to know. 

When does Real ID go into effect? 

The Real ID “full enforcement date” is Wednesday, May 7, 2025, according to DHS. 

When will a Real ID be required to fly?

You or your loved ones need to have a Real ID compliant document, driver’s license or identification card, by May 7, 2025. 

If you have another form of identification that is TSA-approved, like an up to date passport or a permanent resident card then you probably don’t need a Real ID compliant document.

Here are a couple TSA-approved alternatives, if you’re on the fence about getting a Real ID.

• State issued enhanced driver’s license
•  DHS trusted traveler cards (Global Entry, NEXUS, SENTRI, FAST)
• U.S. Department of Defense ID, including IDs issued to dependents
• Border crossing card
• An acceptable photo ID issued by a federally recognized Tribal Nation/Indian Tribe
•  HSPD-12 PIV card
• Foreign government-issued passport
•  Canadian provincial driver's license or Indian and Northern Affairs Canada card
• Transportation worker identification credential
• U.S. Citizenship and Immigration Services Employment Authorization Card (I-766)
• U.S. Merchant Mariner Credential
•  Veteran Health Identification Card (VHIC)

How long does it take to get a Real ID?

It will take about two weeks , or 15 business days to get your Real ID or Enhanced Driver’s License from your state's Motor Vehicle Department.

Enhanced driver’s licenses, which are only issued in a couple of states, including Washington, Michigan, Minnesota, New York and Vermont, are considered acceptable alternatives to REAL ID-compliant cards, DHS says. 

How do I know if I have a Real ID? 

All Real IDs will have a stamp on the right hand corner to show that the identification document meets federal standards set forth by The Real ID Act of 2005. 

The symbol stamped on your Real ID card will vary, depending on which state you obtain your new identification card from. 

What does a Real ID look like? 

Your Real ID will have most, if not all of the information that’s included on your driver’s license. 

The only difference is the seal included in the right-hand corner. 

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