Your overseas holiday should be an exciting, memorable experience. You’ve probably saved long and hard and want to enjoy the fruits of your labour. To make the most of your next trip and avoid any issues accessing your hard earned cash, make sure you plan ahead. Think about how you want to pay for things like food and public transport, versus bigger expenses like accommodation and transfers.
Before you venture off on your next holiday it’s important you:
Notify Us
Make sure you notify us before you leave to prevent any potential account access issues whilst you’re travelling. Send us a Secure Mail with your travel dates, either via the App or Online Banking. You can also give us a call on 1300 747 747 so we can update our records.
Download the Qudos Bank App
When travelling overseas, we recommend you use our Mobile App for your banking needs.
Our App provides high levels of protection and a better user experience when roaming the globe.
If you’ve not yet downloaded and registered for the app and would like to, learn more here about how to access the App while overseas.
Add your card to your Digital Wallets
Before you head off overseas, it’s a good idea to ensure you’ve added your Qudos Bank card to your digital wallet. Doing this while overseas can cause transactions to be blocked as it may seem like a stolen card is being used. Find out more about how to set up your digital wallet.
Online Banking and QSafe SMS
If you’re planning to use Online Banking while overseas, you’ll need to consider switching on international roaming on your mobile or tablet device to make new payments. QSafe SMS is required to set up new payments, however, you can continue to make payments and transfers to your saved favourites without the need of international roaming or QSafe SMS. Always check with your network provider as fees and charges may apply.
Card management
If you plan to use your Qudos Bank debit or credit card while overseas, please ensure you turn on international transactions under ‘Card Controls’ within the Qudos Bank App. Please note some countries only accept PIN for card payments, so make sure you have yours set before you travel.
Foreign rates and fees
All transactions made in a foreign currency using your Visa Card are subject to a 3.65% conversion fee. Please note that some online merchants may display a price in Australian dollars but process the transaction in a foreign currency. Some overseas merchants may also charge a surcharge for making a purchase using your card.
Fraud Monitoring
We're always monitoring your cards and in the event of unusual transactions our card monitoring service provider will endeavour to contact you to confirm the transactions in question and may restrict your card. This is why it’s important you advise us when you’re travelling overseas and ensure your overseas contact details are up to date.
International ATMs
Your Qudos Bank Visa card will work in any overseas ATM so long as it supports Visa. Please ensure that when you are withdrawing cash from an international ATM, you select the credit option. The maximum daily cash withdrawal limit from an ATM is AUD$2000 per day, per card. Please note some ATM operators may charge their own fees and set their own limits. You should be advised of the amount of the fee prior to the withdrawal and be asked to accept the fee to continue with the transaction.
Misplaced or lost/stolen card
If you think you may have misplaced your card, you can temporarily lock your card within the Qudos Bank App under ‘Card Management’. Once your card is locked, no transactions can be made using the physical card. Recurring payments will not be affected. You can easily unlock your card once you’ve found it.
If your card is lost or stolen, you can report your card lost or stolen within the Qudos Bank App under ‘Card Management’. This will cancel your card immediately and permanently and you will no longer be able to use your physical card. To order a new card or report unauthorised transactions, please call us on +61 2 9582 3200 (during business hours) or send a Secure Mail via the Qudos Bank App. We can link your new card to the cancelled card so you can continue to make purchases via your digital wallet.
For emergency assistance please call Visa International on 1800 621 199 (24 hours toll free) or for more information visit www.visa.com.au/support/consumer/lost-stolen-card.html
Prepare Backup Payment Methods
It’s better to be safe than sorry, so make sure you have a number of payment methods available when travelling. In addition to your cards and ATMs, think about obtaining a travel card to ensure you’re covered from all bases.
The Cash PassportTM Platinum Mastercard® is a secure and convenient way to load up to 11 currencies^ which can be used at millions of locations worldwide^^ everywhere Mastercard is accepted. Learn more about travel money options.
Manual Cash Advances – International Banks
If for some reason you don’t know or have forgotten your PIN for your Visa card another means of obtaining cash is to take your Visa card and ID (passport) into a bank and request a manual cash advance. This service and the maximum amount of cash you could withdraw will be stipulated by the individual bank. There may also be some fees or a commission associated with the manual cash advance so please check with the bank before proceeding.
Visa International Emergency Services
Visa International can arrange for the issue of an emergency replacement card if your card is lost, stolen or damaged whilst you are overseas. Visa International bills this charge to your Qudos Bank account. Visa replacement card - US $175.00
Visa International can arrange for a cash advance to be issued if your card is lost, stolen or damaged whilst you are overseas. It should be noted that this fee can be avoided by obtaining cash from any bank displaying the Visa logo after an emergency card has been issued by Visa International. Emergency overseas Visa cash advance - US $175.00
Important: If you apply for an emergency replacement card and an emergency cash advance from Visa International, your Qudos Bank account will be debited with both fees amounting to US $350.00.
For Visa International services please call Global Customer Assistance on +1-303-967-1090 from anywhere in the world. Alternatively you can refer to their global list of toll free numbers here.
Qudos Bank money transfers
Our foreign exchange and transfer partner Convera may also be able to assist if you have a friend or family member who is able to send you money from Australia. This service is available within the App and Online Banking.
Please read our fees and charges brochure for more information on Convera foreign exchange services.
Need help?
If you need assistance or have questions about banking while overseas please send us a Secure Mail message via the App or call us between Mon-Fri 7am-7pm and Sat 9am-5pm AEST on +61 2 9582 3200. Telephone banking is also accessible via this number.
Qudos Mutual Limited trading as Qudos Bank ABN 53 087 650 557 AFSL/Australian Credit Licence 238 305 (“Qudos Bank”) has entered into contractual arrangements with Convera Australia Pty Ltd (ACN 150 129 749; AFSL 404092) trading as Convera (“Convera”), to assist it in fulfilling certain foreign exchange and payment services offered by Qudos Bank to its customers. The relationship relating to the services described is solely between you and Qudos Bank. Qudos Bank has a revenue share arrangement with Convera, where Qudos Bank receives a percentage of the foreign exchange margin revenue and transaction fee revenue (where applicable) for the relevant foreign exchange or payment service. See Qudos Bank’s Financial Services Guide for more detail. Fees and charges and terms and conditions apply.
Mastercard Prepaid Management Services Australia Pty Ltd (ABN 47 145 452 044, AFSL 386 837) arranges for the issue of the Multi-currency Cash Passport™ and Cash Passport™ Platinum (“Cash Passport”) in conjunction with the issuer, Heritage Bank Limited (ABN 32 087 652 024, AFSL 240 984). You should consider the Product Disclosure Statement for the relevant Cash Passport before deciding to acquire the product. The Target Market Determination for this product can be found at https://www.cashpassport.com.au/help/important-information/. Mastercard is a registered trademark, and the circles design is a trademark of Mastercard International Incorporated. Qudos Bank receives a commission for arranging Cash Passports which is the greater of $15 or 1% of the amount loaded and 1% for reloads. See our FSG for more information.
^ Before you make a decision to acquire the card, please check www.cashpassport.com.au for the latest currencies supported.
^^ Subject to any surcharge that may be imposed directly by merchants. Cash Passport is unable to be used for purchases related to gambling or adult entertainment. Currently Cash Passport cannot be used in the following countries and geographical regions due to sanctions that are currently in place: Crimea, Iran, North Korea, Sudan and Syria. If you attempt to use your card at merchants in any of these countries and geographical regions, your request will be declined. In addition, the ATMs and POS terminals are not owned or operated by the Issuer or Mastercard Prepaid Management Services Australia Pty Limited and the Issuer or Mastercard Prepaid Management Services Australia Pty Limited are not responsible for ensuring that merchants will accept the Card. For example, the Issuer and Mastercard Prepaid Management Services Australia Pty Limited cannot control when an ATM or POS terminal is due for maintenance or is faulty or if a merchant chooses not to accept the Card. In such cases, your Card may not function properly or be declined. For more information please see the Product Disclosure Statement.
Any advice provided by Qudos Bank is general in nature and does not take into account your personal objectives, financial situation or needs. Because of that, you should, before acting on the advice, consider its appropriateness to your circumstances. It is important for you to consider the relevant terms and conditions and Qudos Bank's Financial Services Guide and Fees & Charges brochure before you decide whether or not this financial product is right for you.
Terms and conditions apply and are available on request. Qudos Mutual Limited trading as Qudos Bank ABN 53 087 650 557 AFSL/Australian Credit Licence 238305.
