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Fees and limits

FeesLimitsOther Cash Passport Products

Cash Passport Platinum

Fee	Amount
Initial card issue fee When you first purchase your card	FREE
Initial load fee When you load your card online for the first time	FREE
Debit Card Load fee (including Initial Loads and Reloads) Each time you load or reload your Card using your debit card (additional to any other applicable fees) via web/mobile Note: you may be charged other fees by third parties for the transaction (e.g. your debit card issuer)	$5 per Debit Card Load transaction
Reload fee (online) Each time you reload additional funds onto your card online via web/mobile (except when using Debit Card load)	FREE
Reload fee (Bank Transfer) Each time you reload additional funds onto your card using bank transfer details without booking your rate via web/mobile	FREE
Reload fee (BPAY) Each time you reload additional funds onto your card using BPAY details without booking your rate via web/mobile	1% of the reload amount
Administrative fee (in-store only) When you purchase your card and load in-store (or subsequently reload), with the help of customer service representative	Up to the greater of 1.1% of the load/reload amount or $15
Additional card fee When you opt for an additional card at the time of purchase	$5
Replacement card fee When you request a replacement Card for lost/stolen Cards	FREE
Negative Balance fee A fee charged when a negative balance arises on your Card	$0
Inactivity fee A fee commonly charged after a period of inactivity	FREE
Cash out fee The fee charged when you cash out any amount on your Card (other than withdrawals from an ATM)	$10
Domestic card to card When you transfer funds to another Australian issued Cash Passport Platinum or standard Cash Passport using domestic card to card functionality	FREE
International card to card When you transfer funds to a New Zealand issued Cash Passport Platinum or standard Cash Passport using international card to card functionality (or any other overseas issued Cash Passport if we make this available and notify you)	AUD 5.00, USD 4.00, EUR 3.50, GBP 3.00, NZD 5.00, THB 115 (if supported on recipient’s Cash Passport), CAD 5.00, HKD 30.00, JPY 375, SGD 5.00, AED 15.00 (if supported on recipient’s Cash Passport)
Domestic ATM fee Each time you withdraw cash from an ATM in Australia	2.95% of value withdrawn
International ATM withdrawal fee (outside Australia) Each time you withdraw cash from an ATM outside of Australia using your Card	USD 2.50 EUR 2.50 GBP 2.00 NZD 3.50 THB 80.00 CAD 3.50 HKD 18.00 JPY 260.00 SGD 3.50 AED 10.00 AUD 3.50 (for international ATM withdrawals in countries not mentioned above or insufficient funds in the relevant Currency to cover the whole transaction)
Currency to currency fee When you request to transfer funds from one currency to another currency on the same card	FREE (You will see the applicable foreign exchange rate as determined by us at time of transaction)
Currency conversion fee Applied when a purchase or ATM withdrawal is conducted in a currency either not loaded or sufficient to complete the transaction and the cost is allocated against the currency/ies used to fund the transaction.	FREE (The spend rate will apply to foreign exchange transactions in accordance with the Terms and Conditions)

Cash Passport Platinum

Limit	Amount
Maximum number of Cards you may hold in your name at any one time (not including any linked additional card that you may have purchased).	One
Minimum amount you can load/reload on your Card per load/reload	AUD 100 or currency equivalent
Maximum amount you can load/reload on your Card per load/reload (see additional requirements for Debit Card Load and BPAY reload below)	AUD 100,000 or currency equivalent
Maximum amount you can load/reload on your Card using Debit Card Load	AUD 15,000 in any 24 hour period AUD 30,000 in any 7 day period AUD 60,000 in any 30 day period
Maximum BPAY reload amount in any 24 hour period	AUD 25,000 or currency equivalent
Domestic card to card Maximum amount you can transfer to another Australian issued Cash Passport Platinum or standard Cash Passport in any 24 hour period.	AUD 20,000 or currency equivalent
International card to card Maximum amount you can transfer to a New Zealand issued Cash Passport Platinum or standard Cash Passport in any 24 hour period.	AUD 20,000 or currency equivalent
Maximum balance allowed across all currencies during any 12 month period	AUD 100,000 or currency equivalent
Maximum balance allowed at any one time across all Currencies during any 12 month period or at any one time	AUD 100,000 or currency equivalent
Maximum you can withdraw from ATMs in any 24 hour period	AUD 3,000 or currency equivalent (some ATM operators may set their own withdrawal limits)
Maximum value of EFTPOS transactions during any 24 hour period	AUD15,000 or currency equivalent

Cash Passport purchased online after 14th July 2016

To view full fees and limits click here

Cash Passport purchased online before 14th July 2016 or in-store

To view full fees and limits click here

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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™ (“Cash Passport”) and Cash Passport™ Platinum Mastercard® (“Cash Passport Platinum”) 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 facility available at www.cashpassport.com.au before deciding to acquire the products. Any advice does not take into account your personal needs, financial circumstances or objectives and you should consider if it is appropriate for you.

Mastercard® and the Mastercard Brand Mark are registered trademarks of Mastercard International Incorporated.

^~Lock in your exchange rates means the exchange rate is locked in for the initial load only. The exchange rates for subsequent reloads will be set at the prevailing exchange rate at the time of the transaction.

*The prevailing exchange rate is locked in for the initial load value only. Subsequent card reloads will be processed at the then prevailing exchange rate on the day of the reload transaction, and will be locked in at that rate. The exchange rates set out in this website apply to reload transactions that are booked on this website only and that are settled within four hours. Different exchange rates will apply to cards which have not been purchased on this website and initial card load and reload transactions in our partner branchlocations. We will provide you with settlement instructions and the applicable exchange rate at the time you book a reload transaction. Different exchange rates will also applyto reload transactions that are conducted directly via Bank Transfer or BPAY (i.e. without booking an online transaction). For more information on how we set exchange rates please see the Product Disclosure Statement.

⁺T&Cs apply. Customer must contact Customer service to report lost or stolen card. Emergency cash can be arranged up to the balance on your Cash Passport, subject to availability of funds at the approved agent location.

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Today’s exchange rates*

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USD

1 AUD = 0.6836 USD