Travel & Money Tips
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:
Make sure you notify us before you leave to prevent any potential account access issues whilst you’re travelling. Send us a secure email with your travel dates, or give us a call on 1300 747 747 so we can update our records.
Some countries only accept PIN for card payments, so make sure you have yours set before you travel.
Be Security Aware
ORION 24/7 card monitoring services ensures the security of your card is maintained at all times.
The Orion card fraud management service monitors, identifies and takes action on suspect card transactions. This is why it’s important you advise us when you’re travelling overseas.
Consider Additional Payment Methods
It’s better to be safe than sorry, make sure you have a number of payment methods available when travelling. In addition to your cards, and ATMs think about purchasing some foreign cash or obtaining a travel card to ensure you’re covered from all bases.
How Do I Purchase Foreign Currency?
Please drop into a branch to place your order. Orders placed before 2pm (Sydney time) will be available for collection from your nominated Qudos Bank branch the next working day.
What About Travel Cards?
Our award winning Multi-Currency Cash Passport Card is the secure and convenient way to carry up to 10 currencies every time you travel. You can apply online here, or order in branch.
Once you reach your destination, refer to the following tips for banking with us whilst overseas.
- Online Banking and QSafe SMS
To make banking easy whilst overseas, ensure you switch on international roaming on your mobile or tablet device. (please check with your network provider as fees and charges may apply).
When travelling overseas international roaming is required to use QSafe SMS to set up new payments. You can however continue to make payments / transfers etc. to your saved favourites without the need of international roaming or QSafe SMS.
- International ATMs
Please note that the maximum daily cash withdrawal limit from an ATM is AUD$1000 per day, per card. Please always select CREDIT option on overseas ATMs as savings account is not recognised. Some international ATMs won’t provide an option however where they do always select the CREDIT option. A fee may apply for ATM withdrawals made outside of Australia. This fee may be charged by the owner of the ATM at the time of the withdrawal. This fee may or may not receive the benefit of a Member’s transaction allowance. Members 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.
- 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.
- Western Union money transfers
Our foreign exchange and transfer partner Western Union 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 Online Banking.
Please read our fees and charges brochure for more information on Western Union and Travelex foreign exchange services.
To call us from overseas please phone +61 2 9582 3200 between the hours of Mon-Fri 7am-7pm and Sat 9am-5pm AEST. Telephone banking is also accessible via this number.
If your card is lost or stolen whilst on holidays
Call Visa International on 1800 621 199 (24 hours toll free) or call us on +61 2 9582 3200 (during business hours).
The information in this article is of a general nature and does not constitute advice in relation to any product or purchase. It has been produced without taking into consideration your personal financial circumstances, objectives or needs. Prior to making any decision you should conduct your own investigation and analysis of any benefits or costs associated with such. You should seek your own independent legal and financial advice. You should read and consider the relevant Terms and Conditions and Financial Services Guide before making any decision to purchase a financial product. These documents are available on our website or by calling 1300 747 747. 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.
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