Deciding how to take your money when you travel overseas

Once you’ve worked out where you’re going on your holiday and for how long, you’ll just need to figure out how you’re going to access your money when you’re overseas.

The right foreign currency option for you depends on:

  • where you are travelling to and if there will be internet and ATM access
  • whether you like to plan ahead or prefer to be more spontaneous
  • how frequently you want to withdraw cash
  • the way you like to keep track of your spending
  • how important it is for you to lock in exchange rates before you go
  • the type and number of currencies you want access to
  • the type and level of security you’re after.

You should probably have at least two different ways to access your money when overseas, just to keep your options open and make sure you’re never stranded without funds.

Cash is great for incidentals when you arrive

You can buy just about any foreign currency from a bank or currency exchange before you go. Depending where you’re headed, you might need to order the currency in. It could take a few days to arrive so allow plenty of time.

Pre-buying foreign cash helps you budget because you’ll know exactly how much money you have left as you spend it. And it’s great when you arrive in a new country and can get a coffee or pay the taxi without having to visit a bank or travel bureau first. But travelling with a large amount of cash isn’t particularly safe, so you might want to consider some other options as well.

Travellers’ cheques for added security

Travellers’ cheques have the added security of needing ID to be cashed. Plus, if they get lost or stolen, they can be replaced in a few days. They are becoming less common though, so it’s wise to do some research and make sure you can cash them where you’re going.

You also don’t know what currency exchange rate you’re going to get, which can impact your budget. And there’s usually a fee for purchasing and cashing travellers cheques, so check these out too.

Credit cards are convenient and widely accepted

You can use your credit card overseas, which you might find more convenient than setting up something specifically for travelling. Some premium credit cards have handy benefits like travel insurance so you could think about choosing a card that offers this. See the credit card comparison table for more details.

Visa© and MasterCard© are accepted widely around the world – but keep in mind that you’ll be charged a cash advance fee for using ATMs, and if you withdraw cash you’ll start accruing interest straight away (probably at a higher interest rate than for purchases). You can read about cash advance interest in Five types of credit card interest. One way to avoid cash advance interest is to put money into your card so that it is in credit (positive balance). This way you’re using your own money to travel.

With credit cards, you won’t know what currency exchange rate you’re going to get, which can make budgeting harder. And there may be ATM fees – both from your bank and from the ATM operator – and foreign currency fees each time you withdraw.

If you’re away for more than a month, you’ll need to keep track of your spending and manage payment to your credit card to avoid a late payment fee. If you have access to NAB Internet Banking from overseas, you can set up a reminder and make payments more easily.

Debit cards use money from your own account

You should be able to use your existing ATM card in most places overseas, although you should have a back up, debit cards (unless they are Visa or Mastercard) are not as widely accepted. The advantage of this is that you’re using your own money – however you won’t know what exchange rate you’re going to get which might make it harder to budget.

A NAB Visa Debit Card gives you the same access overseas as a credit card, but it uses your own money from your everyday NAB account. So you won’t pay interest on your purchases or withdrawals, but you’ll still be charged currency conversion fees on purchases and overseas ATM fees. This won’t get you into debt, but if your salary comes in late or you miscalculate and run out, you may need a back up to access some money if you need it.

Travel cards let you lock in an exchange rate

Most financial institutions sell travel cards, where you pre-load a card with foreign currency (or currencies) and use it for purchases or ATM withdrawals overseas. You’ll need to make sure that the card you get can hold the right currencies for the countries that you’ll travel to.

Travel Cards have the advantage of locking in the exchange rate for the funds that you “load” on to the card before you go, so there’ll be no unexpected currency variations for each transaction as long as you have the currency you are using loaded on the card.

If however, you “run out” of a currency that you have loaded on to the card, or make a purchase in a currency not on the card, the amount will be taken from other currencies. When this happens, you are exposed to the exchange rate and you will also be charged a currency conversion fee. So, if you’re using a travel card, make sure that you plan well and track your spending to avoid these fees. You can keep track of spending by checking your balance online. If you need to, you can top up your card using BPAY© but make sure your default currency is set to the currency you are loading.

If you’re worried about security, a travel card might be a good option for you because it’s not linked in any way to your regular bank accounts, and it’s Chip and PIN protected. You get a spare card as back-up, too.

If you like to only take out small amounts of cash at a time, you’ll appreciate that NAB doesn’t charge you for using the NAB Traveller Card at ATMs overseas. (The ATM operator may, however, charge you a fee.)

There are multiple currencies available on travel cards, usually between five and ten – find out more about How travel cards work.

Choose a mix to suit your travel needs

Whether you’re off for a long or short holiday, it’s good to have a couple of ways to access your money. Choose a mix that suits your needs – maybe a NAB Traveller Card for regular spending with a credit card for emergencies; or take some foreign currency as well as a NAB Visa Debit Card. It really depends on the type of trip you’re taking and the type of traveller you are.

Need more information? Read Ways to access your money when you travel.

Related articles and web pages

Would you like to share your experiences? Leave a comment or tip below.

If you have a question about a product or service, please contact us. This includes enquiries you might have about your current NAB products.

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160 Responses to Deciding how to take your money when you travel overseas

  1. Georgina says:

    I’ve followed all the links and this hasn’t helped me make a decision!

  2. Kristin says:

    I can’t find which banks are affiliated with NAB to avoid the $4 ATM fee in France and Portugal. Can you help?

    • NAB says:

      Hi Kristin, we currently have no affiliated banks in France or Portugal. You many want to consider the NAB Traveller Card that’s been designed specifically for overseas travel which has no NAB fees for overseas ATM use. More info here ^JL

  3. Mark cox says:

    Very useful stuff, but I couldn’t find out what NAB charges for the currency conversions. I have a NAB low fee credit card and whenever I buy something in Brazil (that’s where i’m going next month) I know I’ll be charged extra but how much?

  4. Roger says:

    I would like a debit card which charges no overseas transaction excange fees – do you have one

    I do not want a traveller card – what else is available?

  5. Frank says:

    Do you have a list of overseas ATM I can withdrawn funds from. I am travelling to Eastern Europe & not sure if I will be able to withdraw funds from ATM

  6. Annie says:

    I opened an NAB account because I was told that NAB did not charge international transaction fees. Is this correct?

    • NAB says:

      Hi Annie, a list of our international transaction fees for both credit and debit cards can be found here. Hope that helps! ^JL

  7. Pauline says:

    Be careful the Foreign Currency fees on Credit Cards and apparently Debit Cards too are 2.5% which was over a hundred dollars on my hotel bill two weeks ago..

    I used my Visa Debit a few months ago in South Africa and didn’t have this problem so it must be new.

    • NAB says:

      Hi Pauline, a list of our international transaction fees on both credit and debit cards can be found here. Hope that helps! ^JL

      • Philippa paterson says:

        I am in Hong Kong which banks are affiliated with NAB here so I can access cheaper ATM transactions I cannot find this info anywhere on your NAB site

  8. sheldene says:

    I have a platinum Quantas card and use it to withdraw cash from my savings account overseas. I have never been charged a fee for doing this. I have now been told by a friend that there will be a $5 charge per withdrawal is this true?

    • NAB says:

      Hi Sheldene, while there have not been any changes to credit card international fees, I’d need to know more about exactly how your account is setup to be able to give you an accurate answer. I’ve sent you an email via – let’s chat more via email :) ^JL

  9. George says:

    Hello, Can I still use my NAB ATM card at an ATM in Greece? I heard that the NAB has severed ties with Greek banks and I want to be sure that I can still use my NAB ATM.

    • NAB says:

      Hi George, you can use a NAB card at any ATM anywhere in the world which displays the PLUS logo. Hope that helps! ^JL

  10. George says:

    Thanks JL for the response. I also want to get travellers cheques in AUD (not USD or ERUO etc) as a back up. That way I can bank them in my account on my return if I don’t use them without incurring fees/loss on the exchange conversion (twice).
    Does the NAB issue AMEX travellers cheque in AUD like it used to? 2 years ago when I went to my branch to enquire about it, they said they couldn’t issue the travellers cheques which I found surprising and inconvenient as I had to find another institution to issue the travellers cheques.

  11. Warwick says:

    I am considering using a NAB Traveller Card for the first time.
    I have always used your Visa system for previous travel.
    As the NAB Traveller Card is a Master Card, can it be used at any ATM, and are there any restrictions on which ATMs will accept this card?

  12. Pauline says:

    Thanks JL… Have looked at the links you sent.. It seems to make things clearer… so there is 2ish % on the Visa card or American express.. but because my Visa Debit is linked to my mortgage the foreign transaction fee is waived which is why I didn’t get charged in South Africa?? So my best way is Visa debit for travelling?

  13. Stephan says:

    Where on the NAB website can you see what exchange rate they use for credit cards? Aus vs Eur?

    • NAB says:

      Hi Stephan, we do not show these rates on our website as they are determined by 3rd parties. Depending on what type of card you have (Visa, Mastercard etc), you will need to check directly with them. ^JL

  14. nick says:

    I opened up a NAB Gold account to avaid overseas fees. This came with a expected minimum amount to be deposited into the account each month. I have been informed that this service terminates as of August.

    Can you confirm that there will be no minimum limits to be deposited into the account now the benefits of the account have been terminated ?

    Do you have other accounts which are good for overseas travel?

    Why has this service been terminated?

  15. Lily says:

    I wasn’t pretty disappointed when they changed the rules on the NAB Gold overseas fees too Nick – but do what I did for my upcoming trip and shop around. There’s alternatives out there in the market.

  16. Craig Jackson says:

    I have a NAB Platinum One card with my VISA and Cheque accounts linked to it. Can I withdraw cash from my cheque account from a “PLUS” ATM in the UK or only my VISA?


    • NAB says:

      Hi Craig, this depends on the individual ATM, as many may force a credit withdrawal. Unfortunately, we cannot gurantee for all ATMs whether you will be able to do this every time. The best alternative is to organise a Visa Debit Card to be linked to your everyday account you plan to access overseas. This way, you can make sure that when you put your card in, it can be guaranteed that the right account is accessed. A Visa Debit Card can be organised on an existing account by going to your local branch, or calling the Contact centre on 13 22 65. ^JL

  17. James Pougher says:

    I have an account & credit card with another bank (as well as NAB account & credit card), who told me I should log with them that I am going overseas, so the cards aren’t cancelled by the bank when overseas transactions are noted by the bank. Should I do this with the NAB, and if so, how?

  18. Simon says:


    When my credit card is put into credit by adding my own money on it will i get charged atm fees abroad if i am withdrawing cash. With my Irish credit card i only get charged an exchange rate and no atm fees at all.


  19. Craig Hill says:

    I have a Gold NAB Visa Debit card and trying to work out what I will be charged to withdraw money from my savings account using debit from an ATM in the USA. I understand there may be a local fee charged and that is fine, however it is not clear through reading all the fees and charges what I will be charged. If I withdraw $500 cash from an ATM in $US what is the %fee charged by NAB for this and what is the exchange rate? Is the exchange rate determined by VISA? and if so where do I find this. Thanks

    • NAB says:

      Hi Craig, there is a flat fee of $4 AUD for withdrawals from overseas ATMs and a 2% conversion fee if the currency withdrawn is not AUD. More details here Please be mindful however, that foreign ATMs may attract an additional fee, depending on which bank’s ATM you use. ^JL

  20. Jens says:

    I would like to withdraw money in an ATM in Sweden. I have a Visa Debit Card with a Classic Banking Account. Does it matter what Swedish bank I use and how will I be charged? Is it a flat fee or a percentage?

    • NAB says:

      Hi Jens, lookout for ATMs with a PLUS or Visa sign to use your Visa debit card. Here is a list of the NAB overseas ATM withdrawal fees. As you can see, there is a flat fee of $4 per withdrawal and 2% currency conversion charge. Different Swedish ATMs you use are also likely to incur an additional fee also, but this fee will vary from bank to bank. Hope that helps! ^JL

  21. Justin says:

    Hi, I’m currently in Norway with a NAB Visa debit card. Are there any ATM’s or banks here that I can use my card while avoiding fees?

    Does paying EFTPOS here cost different to ATM use?

    Can I withdraw from EFTPOS?

    • NAB says:

      Hi Justin, here is a list of the NAB overseas ATM withdrawal fees. As you can see, there is a flat fee of $4 per withdrawal and 2% currency conversion charge. Different ATMs that you use in Norway are also likely to charge an additional fee, but this will vary from bank to bank. Making purchases via EFTPOS will only incur the 2% currency conversion charge – you may be able to request cash out while making an EFTPOS purchase (eliminating the $4 withdrawal fee), depending on the merchant. I hope this helps! ^AS

  22. Madison says:

    I am going to Thailand next week and planning on using my debit card for ATM withdrawals. Do I need to inform the bank so my card is not cancelled or frozen as it could be seen as suspicious or fraudulent activity?

    • NAB says:

      Hi Madison, it’s best to advise the bank your travel plans before heading overseas to use your card. You can do this by calling 13 22 65, sending a secure message via Internet Banking or visiting your local NAB branch ^JP

  23. John says:

    Where can i find a list of banks that NAB is affiliated with in Italy, so i can reduce my money transfer costs.

  24. Julia says:

    My friend and I are travelling around asia and will soon be going to china. How do we access our money from the travel card over there?
    If you could respond quickly we would greatly appreciate it :)

    • NAB says:

      Hi Julia, your card will be accepted wherever Mastercard is accepted in China. In the same way, you should have no problems withdrawing cash from any ATM with the Mastercard logo. Keep in mind though, that conversion fees may apply if you are withdrawing local currency. ^JL

  25. John says:

    Why do Clydesdale & Yorkshire Banks ATMs in London not accept my NAB card but EVERY OTHER ATM in London does???!! Perhaps NAB is unable to justify the $4 fee being a Group company?? Please explain.

    • NAB says:

      Hi John,
      Most NAB cards should be compatible with those banks ATM’s. If you have a Visa Debit card or Debit Card it’s best to use Visa ATM’s as this relates to your cards scheme provider ^JP

  26. Steve Leaver says:

    Am needing some advice on retrieving forgotten password.
    Am unable to make contact on 0800293724 in Vienna. Did not connect!!!!
    What are my other options now please?

  27. Jose says:

    Is there a list of which overseas banks are affiliated with NAB, which means I can avoid fees when withdrawing cash from a foreign ATM? I am specifically interested in the USA.

  28. John says:

    We are visiting UK and Europe for 3 months later this year and plan to buy a car for approximately 5000.00 pounds sterling in UK. Would the NAB Travel Card be the cheapest option to get funds (I am a NAB account holder and have a dormant NAB Gold Visa Card) to UK…….and would the dealer incur any costs or commissions when accepting payment by Travel Card?

    • NAB says:

      Hi John, the NAB Travel Card would be your best option as you can load your own funds and lock in the exchange rate before you travel, so you’ll know exactly how much money you’ll have in the local currency to spend while you’re away. If you need more info feel free to message us at ^JP

  29. Pravir M. Karmokar says:

    Good morning Team:
    I wanted to know which Banks do you have a tie-up in India and Kuwait. I am an Indian currently working in Kuwait and I expect to Migrate by May 2013 and before that I would like to transfer funds to my newly opened iSaver Account. Last week, I send 100 AUD’s and only AUD 76 were transferred since they were transferred via some other exchange (UAE Exchange) with whom NAB does not have a tie-up.

    Request you to email me the agencies with whom you have a tie-up in Kuwait and India so that I can save some commissions / fees.

    • NAB says:

      Hi Pravir, you’ll need to get in touch with the overseas bank you’re transferring funds from to determine if they’ve established a relationship to send international transfers via NAB. If you have any further questions feel free to send a line to ^JP

  30. Petra says:

    Does NAB have affiliation with any banks that have a branch in Doha to cut down on ATM costs? Where on the website can I find the list of which banks NAB has affiliation with?


  31. Natalie says:

    Hi NAB

    I have a new flybuys rewards visa card, linked with debit card. I will be travelling to Fiji soon. Does NAB have any affiliation with banks there, for fee-free cash withdrawals from NAB savings accounts? If not, what would be the cost please (flat rate / percentage) and what exchange rate is used?

    Also, for foreign currency cash prior to departure, is it best to ring NAB prior to going in to branch (we live 1 hr from branch)?


    • NAB says:

      Hi Natalie, NAB does not have affiliation with any banks in Fiji, to withdraw funds it’s $4 per ATM withdrawal, 2% foreign currency transaction fee based on the AUD amount. The exchange rate is determined by Visa at the point of sale. If you need any more info, let me know ^JP

  32. Mark Isherwood says:

    I have one of your travel cards and its been very widely accepted in Las Vegas, Shops Hotels, etc.. i have another trip planned that includes me going to NYNY and into Canada, can i load Canadian $ to this card as well as some more USD? I cant seem to find the information on your website..
    Also you might like to redesign this site, once on this “help page” i cant get back to the standard home page with out reloading the the NAB main page on my browser from my favorites.. surely a link would be a better solution.. when i press the HOME link at the top all i get is the Help and Guidance home page..

    • NAB says:

      Hi Mark, you can load money on to your NAB Travel card and then can login to My Account and move funds from one currency to another. NAB’s Currency to Currency foreign exchange rate will apply. You can have any of the following currencies on your NAB Traveller Card:

      Australian Dollars – AU$
      US Dollars – US$
      Great British Pounds – GB£
      Euros – EU€
      Canadian Dollars – CA$
      New Zealand Dollars – NZ$
      Japanese Yen – JP¥
      Singapore Dollars – SG$
      Hong Kong Dollars – HK$
      Thai Baht – THß

      Thanks for the feedback also, I’ll pass the to the Online team. If you have any other queries, feel free to send through to ^JP

  33. Donald Stringer says:

    I left for New Zealand on Feb 9th, and was assured at the branch in Springwood, Queensland that a Travel Card would be accepted wherever MasterCards would be accepted. On arriving in Auckland airport I went to pay for a pre-booked car at Budget Rentals. They would not accept the Travel Card. This was the only refusal, shops, restaurants etc were no problem.
    Regards, Donald Stringer

    • NAB says:

      Hi Donald, that is very surprising that the Travel card was not accepted. I’d like to look into this for you further – Please send through your details via email to, and I’ll chase this up and find out why this happened ^SM

  34. David says:

    If I use my NAB VisaCard or MasterCard overseas for purchases, am I correct to assume I will be charged a 2.5% International Transaction Fee on the transacted amount PLUS a 2% Currency Conversion Fee on top of that (i.e. more than 4.5% in all) as well as a fixed amount ATM Fee?

  35. NAB says:

    Hi David, it depends what type of account you’ve got – best to check our Guide to Fees and Charges ; if you’ve got further questions, please feel free to drop us a line at ^LB

  36. Olivia Ly says:

    So where are the rates for withdrawing money from overseas ATM’s?

  37. Carol says:

    Can I use my debit Visa card in china, and can I get Chinese currency on a travel card.

  38. JOEL says:

    Hi there,

    With the closure of gold banking debit and the no overseas transactions fees erased with its closure i now use qantas credit card and pay off mthly when abroad however last trip was still charged several hundred dollars for the month of travel. In order to avoid this with several trips abroad for several weeks at a time each year and being an expat avoiding being home to take out a pre loaded card -Can i add credit balance to the credit card avoiding cash advance fees etc or is it best simply to use cash back on purchases and avoid ATM’s all together?

  39. Megan says:


    I have nab visa debit card (not the gold type) and going to New Zealand.Can I use my nab card free of charge at nab atms? Are there many nab atms in auckland? Thanks

  40. Cephas says:

    Hi Guys,
    Does NAB have any affiliations with banks in Kenya? Am trying to avoid the $4 fee

  41. Don McDowell says:

    I am leaving for Norway tomorrow. I want to buy a travel debit card from NAB, but since Kroner are not in the usual list of approvable currencies, what currency should I select when applying for a card?

  42. Monica says:

    I am going to New York in November and have made a reservation on the hotels website with my NAB Visa Debit Card. When I check out and am charged for the accomodation on my card, what other fees with be deducted with it?

    • NAB says:

      Hi Monica, in this case, when you use your Visa Debit card overseas, you’ll be charged an international transaction fee – More info can be found here ^SM

  43. Kevin says:

    We are shortly travelling to UK and France. I have a NAB platinum visa. I am thinking of getting a traveller card. We are hiring a motor home in UK. If I carry both cards, what card should be used for what and what are the fees. IE fuel purchases etc.?

  44. I Allan says:

    Will a nab visa debit card work in Phuket and Kuala Lumpar !!

  45. Sam says:

    I already have a nab visa debit card but i am currently working overseas and my visa card expiry date is coming soon. How can i receive a new card from overseas, since i cant afford to go back to Australia?

  46. Georgia Wilson says:

    Hi, I was wondering if the NAB traveller card comes with complimentary travel insurance?

    • NAB says:

      Hi Georgia, the NAB Travel Card doesn’t come with complimentary travel insurance, however if you spend a minimum of $500 for travel expenses on a gold NAB credit card you’ll be entitled to complimentary overseas insurance ^JP

  47. Andrew Fowler says:

    Hi there NAB, have just been following this discussion…$4 flat fees 2 per cent extra if not in AUD [which countries overseas use Aussie dollars!] And a lousy exchange rate thrown in for good measure. I am with NAB and have a Cirrus linked card which is, of course, useless because there are no “NAB affiliated” banks in this country. What a shemozzle, what a disgrace. NAB is always sprouting its community values. What a load of tosh.

  48. Andrew Fowler says:

    Moderation by an independent moderator I’m sure.

  49. Mark says:

    Hi I am leaving Australia permanently to live in the UK and will therefore cancel my NAB accounts and take all of my savings with me. I’m just wondering the best way to do this. If I do the online transfer I wont get the SMS security code cause my australian phone wont work there and I don’t really want to carry it all in cash. Can you help?

    • NAB says:

      Hi Mark, if you still need help with this we can update your mobile number for SMS Security to your UK number (if you have one). If you’re happy for that, please email us at with a contact number, and I can have the team give you a call. ^BH

  50. Ann Yvonne Hardy says:

    Hope you can help us. We left Australia 1st Sept 2013, and when we tried to access our funds in our debit account, we successfully withdrew 100 euros in Lyon, France. Since then we have not been able to access anymore funds in France or Italy. We have been told to contact our Bank. Our card has the plus sign on it, but no chip. It worked perfectly 2 years ago, but not now. Please help if you can. We are finding it very difficult.

    • NAB says:

      Hi Ann, are you still having trouble accessing funds? As your card is a Visa Debit it should be accepted wherever Visa is accepted. If you’re still having problems, shoot through an email to with your best contact number and I’ll have the team be in touch ^CT

  51. jeanette says:

    hi I am staying in UK and using my NAB visa debit card in shops directly for purchases seems to be more cost effective than withdrawing cash from teller machines – where there is the $4 charge as well as the conversion fee each time. I’m wondering if this is true or whether I will be charged these fees at some later time – or if the exchange rate is perhaps different according to which method I use. It is hard to know for sure or make a comparison but as I like to take out fairly small amounts at the teller machine even the $4 fee adds up and with the conversion fee on top I am sometimes being hit with amounts as much as $8 to $10 which is taking my savings out fast!
    On the other hand I’m quite happy to use the card directly for purchases as it seems to be readily accepted everywhere and there has been no problem at all with this -if there are no hidden charges I should be aware of?
    Could you please advise me about this thank you.

  52. Jo says:

    Hello. I’m travelling to Thailand in February and although I’m going to get a Travel Card, I don’t imagine I can use this to pay for accommodation? Can I use my visa debit card to pay for accommodation/security bonds? Or does it have to be a credit card? I’ve heard a lot of places in Thailand won’t accept debit cards…

  53. Mark O Rlaph says:

    i. am going to be in Kuwait in two weeks time. i want to know if i can go with Travel Card or travelers cheque

  54. Rachel says:

    I am travelling to Lombok and the Gili Islands, what amount will i be charged using my nab debit card to withdraw money?

  55. Anna Ju says:

    Can I use my NAB Visa Debit card to make an online payment? If so, what sort of charges would I expect. Thank you!

    • NAB says:

      Hi Anna, you can certainly use your NAB Visa Debit card to make a payment online – if it’s from a local merchant, there are no fees associated. Please click here to view the fees associated with international purchases ^AS

  56. Suzie says:

    I have some credit money in my NAB credit card (say positive balance), how can I withdraw the credit money without being charged the cash advance fee (1.7% of the withdraw amount)?

    • NAB says:

      Hi Suzie,

      If you would like to transfer any credit balance out of your credit card account, you will need to follow the instructions below to ensure you are only charged the minimum fee:

      1. You must initiate the transfer at least one business day after you have transferred funds into your credit card, placing your account in credit

      2. The day you transfer the credit balance out of your credit card, you must leave a credit balance of at least $1.75 (to cover the minimum fee)

      3. If you have any transactions in the ‘Purchase Authorisation’ stage on your credit card, you must leave your account in credit by the Purchase Authorisation amount plus $1.75 (in case the purchase authorisation is processed that night)

      4. You can not make any other transactions on the day you transfer the credit balance out of your credit card

      5. You must ensure all transactions that you are expecting to be charged on your account have been processed (so you can be sure the merchant will not process your transaction that evening) ^LB

  57. Catherine Lee says:

    I’m going back to the UK do you have a sister bank I can use to draw out cash like Westpac uses Barclays?

    • NAB says:

      Hi Catherine,

      We currently have no affiliated banks in the UK. The NAB Traveller Card has been designed specifically for overseas travel and has no NAB fees for overseas ATM use. More info here ^SN

  58. Leilana says:

    Are there any affiliated banks in New Zealand generally for the use of ATMs to withdraw money?

  59. manuel says:

    I cannot withdraw cash in Taiwan with my visa debit card. I tried many different atms and everytime the transaction failed. How can I withdraw money?

    • NAB says:

      Hi Manuel, we’d need to check your card for any restrictions or issues. I recommend contacting us on +61 3 8641 9083 from 8am-7pm Mon-Fri, or 9am-6pm on weekends (AEST/AEDT). Alternatively, you can send through a Secure Message on Internet Banking in regards to this issue and the team will investigate – here’s how to use this channel: ^DH

  60. Michael says:

    Hi NAB
    I have my credit card setup so I can press ‘cheque’ to access my savings accounts. Does this functionality work in ATMs overseas too?

    • NAB says:

      Hi Michael, some overseas ATMs may not give you the option of choosing between savings or cheque accounts, others may let you choose, but actually draw on your credit card account, creating a cash advance which will have fee and / or interest implications. Unfortunately, we have no control over how international ATMs work. The safest thing to do if you’re worried about accidentally creating a cash advance on your credit card is to only use debit or flexi cards to withdraw cash at overseas ATMs or make sure your credit account has a positive balance before you leave. To do this, just transfer funds from your other accounts onto your credit card. As long as you have a credit balance after you make a withdrawal of at least $2.00 on your credit card account, you won’t be charged cash advance interest, only the applicable minimum cash advance fee. ^LB

  61. Beat says:

    I do not understand why I have to pay “currency conversion charge” when paying with my debit card overseas or for overseas internet purchases. The NAB conversion rate is already very bad, compared to the cash conversation rate I can get anywhere in the Sydney CBD (in my overseas banks the bank internal currency conversion rates are usually better than the cash conversion rates). On top of the very bad currency conversion rate I need to pay a “currency conversion charge.” That makes no sense and smells like a ripoff. Do you offer any credit cards or debit card without a “currency conversion charge”?

  62. Kai says:

    I’m planning travel around Indonesia, but the Traveller Card doesn’t have Indonesian Rupiah. So I will need to pay 4% of Currency Conversion fee. Is there any way that I get charge less fee to travel around Indonesia?

  63. Andrea says:

    Hi could you please inform me how much the withdrawal in Canada does cost and if NAB has any affliated banks there? Thanks

  64. Jess says:

    I’m traveling overseas and I can’t find the number to call to let nab know that I am going overseas and I might be using my credit card. What is the number?

  65. Casey says:

    What ATMs can I use my visa debit card with in America to avoid fees. Also can i lock in any USD on my debit card before I go? travel cards are great but why not use the card i already have.

    • NAB says:

      Hi Casey,

      You can use your NAB ATM at overseas ATM however you’ll be incurring a $5.00 fee per withdrawal and $1.00 fee per balance enquiry (fees subject to change).

      Please note that the overseas operators might charge you a fee to use their ATMs.

      There’s also a 3% (of the Australian dollar transaction amount for cash withdrawals or purchases made in currencies other than Australian dollars.

      If you wish to avoid overseas ATM and conversion fees you might want to consider a NAB Traveller card!

      You can load it up with USD and spend like a local. It’s PIN and chip protected and there is 24/7 global emergency assistance.

      NAB will not be charging you for ATM or EFTPOS transactions. You can find more information here.

      Also, if you have access to NAB Internet Banking, you can easily transfer funds from your transactional NAB account to the NAB Traveller card at any time ^SN

  66. Matt says:

    I am traveling to NZ and was wondering are there NAB affliliated ATM’s? Also what are the fee’s to use visa and visa debit on purchases? Also fees on both cards in regards to withdrawing cash?

  67. KYUNGA LEE says:


    I’m a foreigner client of NAB bank and I had to come back to my country due to expiary the previous my visa.
    I need my bank statement to get a new visa but I couldn’t get it.
    The reason why I forgot my password and even my Australia mobile is stopped using now.
    Can I get the bank statement to my e-mail ?

    • NAB says:

      Hi Kyunga, We are not able to email bank statements for security reasons – the best thing to do is to call us on +61 3 8641 9083 from 8am-7pm Mon-Fri, or 9am-6pm on weekends (AEST/AEDT) so we can reset your Internet Banking password ^DH

  68. Johndee says:

    Can you let me know if I will incur ATM withdrawal fees from NAB ATM’s in UK and if any affiliated with NAB are available in the US. Tks

    • NAB says:

      Hi Johndee, we don’t have control over how ATM’s work overseas therefore you may still be charged with a fee – if you’re taking your Visa Debit Card the fees applicable can be viewed here Have you looked at the NAB Traveller Card – The NAB Traveller Card does come with $0 NAB ATM fees and also gives you the flexibility to lock in your rate before you go :) ^LB

  69. Melody says:

    Hi , I’m on holidays in Dubai , I’m using. Nab visa debit card .first I did withdraw but I can’t withdraw cash and it showing insufficient funds, pls help thanks

    • NAB says:

      Hi Melody,

      If the error you receive in ‘insufficient funds’ you’ll need to log in to your Internet Banking and check your account balance.

      You might be the case that you need to transfer funds from a linked isaver account.

      Please email us at for further assistance ^SN

      • Sheng says:

        What do you mean by transferring funds from a linked isaver account?

        • NAB says:

          Our iSaver account is an online savings account, you need to transfer the funds from the iSaver account to the transaction account you use to access the funds. Hope that helps ^BH

  70. daniela says:

    I have a NAB account, but I am in Italy now and the bank did not manage to provide me a card before my flight, how can I transfer my money? would it be easier to go to a branch in uk?
    thanks a lot
    much appreciated

    • NAB says:

      Hi Daniela, if you’re looking at transferring your funds to an account in Italy, you can do so via Internet Banking without a card. There’s also the option of sending your card to your overseas address – for this you’ll need to contact us on 13 66 22 (+61 3 8641 9083 if you’re overseas) from 8am-7pm Mon-Fri, or 9am-6pm on weekends (AEST/AEDT). Alternatively, you can send through a Secure Message on Internet Banking and the team will be happy to help – here’s how to use this channel: ^DH

  71. Jason says:

    Hi I am travelling with my family to Bali in a couple of weeks, I will be taking some cash with me but I don’t want to carry too much on me over there at one time. I have never been overseas before, can I use my NAB credit and eftpos/savings cards in Bali ? If I can use them what sort of fees are involved with using them over in Bali ? Many thanks in advance.

    • NAB says:

      Hi Jason, you can definitely use your credit/debit card in Bali (Just as long as the card accepts Visa or MasterCard). There are international fees, for information about these fees please copy and paste the following link to your browser ^LB

  72. danny says:

    my visa debit card expire in 3 months, but i don’t know how i can get a new card while i am travelling to overseas.
    Can i receive a new card from oversea? If so, which way is available to apply for?
    And is it available to take it in any nab branch if i go back to Australia?
    In addition, if i do online payment with us dollar, is there any conversion fee of my account?

    • NAB says:

      Hi Danny, if your card expires it’ll be sent to the mailing address we have on file. As long as your account is open, you’ll be able to use it if/when you come back to Australia. Also, any online purchases in a foreign currency on a Visa Debit card will incur a fee of 3% of the AUD amount ^BH

  73. Sally says:


    I’ll be travelling to the U.S. (West coast) in a few weeks. I have a NAB debit card, is this all I need? Just wondering if you have tips for withdrawing from ATMs over there – are there certain kinds of ATMs I should avoid or are they much the same in terms of fees? Is it usually a flat fee per withdrawal or a percentage of how much I withdraw?

    • NAB says:

      Hi Sally, see here for the fees when withdrawing funds from a NAB transaction account. Keep in mind that the ATM owner may also charge you a fee for using their ATM but we don’t know what that might be ^BH

  74. Kim says:


    I’m travelling to Bali and wondering what the best options are in terms of getting cash out and not getting charged with fees. I have a NAB Traveller card but it doesn’t seem to cover Bali in terms of currency. What do you suggest to minimize fees?


    • NAB says:

      I’m not able to provide financial advice Kim, hence I recommend contacting us on 13 22 65 (+61 3 8641 9083 if you’re overseas) from 8am-7pm Mon-Fri, or 9am-6pm on weekends (AEST/AEDT) to discuss the products that would be best suited to your needs ^DH

  75. fabien says:

    hi there! i have a visa card and i’m about to travel in the pacific islands so with many different currencies. i didn’t think about talk about it with my bank….now i already left for several months, how would you advise me to use my visa card? shoud i jst take a lot of money at a atm in once (i’m currently in new caledonia) or should i just pay everything all the time with my visa card please?

    • NAB says:

      Hi Fabien, there are different fees associated with the way you use your card but and I’d like to make sure I’m giving you the correct fees. Can you please send through an email to and let me know if it’s a credit card or a Visa Debit card ^BH

  76. Anna says:

    Hi NAB,

    Is there a daily limit on Credit Card and NAB Visa Debit Cards when I travel overseas? Heading to Dubai, Rome and Croatia.

    • NAB says:

      Hi Anna,

      There is no daily limit on your credit card as long as you have credit available.

      Your Visa debit card does not have a daily limit for purchases however, there is daily ATM withdrawal limits applicable. If you have a standard visa debit card, that will be $1,000.00 per day and if you have a Gold Visa debit card, this will be $2,000.00 per day.

      Please note that’s on Australian time though.

      I’d strongly recommend we lodge an overseas travel notification on your cards. Can you please send through a Secure Message via your Internet Banking with your ‘from’ and ‘to’ travel dates, the name of each country you’ll be visiting or stopping over in ( you never know when you might come across something you just have to have!) and a number you can be reached on whilst you’re travelling.

      Send through an email at if you have any further questions.

      Most importantly, keep safe and enjoy your trip! ^SN

  77. Muneeb says:


    I am moving to Australia and willing to transfer money in NAB bank account (I will request to Open an account later) from UAE via UAE exchange.

    As per UAE exchange they have direct tie up with NAB bank. NAB will charge only $15 AUD per transaction. Is it true?

    Syed Muneeb

    • NAB says:

      Hi Syed,

      The fee charged by NAB is determined by a few factors, such as whether there is an intermediary bank and the currency of the transfer to name a few.

      You can see our fee structure in the link under International Transfers Inward (received) ^SN

  78. Sheng says:

    I am in Taiwan now and I would like to make withdrawals from ATM over here.

    I am wondering if I should notice the bank that I am oversea…
    Just in case my debit card will be locked while I am withdrawing money from my account.

    • NAB says:

      Hi Sheng, it’s a good idea to do that – if you’re registered for Internet Banking, you can send through a secure message, just go to the ‘Settings/Mailbox’ tab and then ‘Secure Message’ ^BH

  79. Vimal says:

    I’m overseas at the moment and the nab debit card I’m using is not letting me withdraw any money from any ATM since yesterday. All it says is that ” The request can not be processed ” even though I have funds in my account. There’s nothing wrong with the card I believe, as it’s letting me to do anything using an ATM apart from withdrawing money.

  80. Silvio says:

    Hi there,

    I’ve heard that sometimes banks randomly block funds on cards when are used overseas and customers are advised that this is a fraud protection measure.

    Do I need to inform you that i am traveling overseas?

    Thank you

    • NAB says:

      Hi Silvio, it’s definitely a good idea to let us know your travel plans so if any foreign transactions are flagged we’ll know it’s likely to be you – to do this you can send a secure message through internet banking or give us a call on 132265 and provide your travel details ^TC

  81. Christina says:

    Do NAB currently have any affiliated banks in the US?


    • NAB says:

      Hi Christina,

      We do not currently have any affiliated banks in the USA to avoid incurring fees and charges when using your NAB cards overseas ^SN

  82. anne says:

    will i be able to use my nab visa debit card in auckland?

    • NAB says:

      You definitely can Anne. You won’t be able to use the ‘SAV/CHQ’ option when purchasing an item in store but it works at ATM’s. There are fees associated with it which you can check out here ^BH

  83. Steve says:

    If I use a NAB visa debit card in USA what fees will I be charged? Please don’t just provide a link to Visa fees as I am only asking the question because I find it confusing or maybe misleading. Am I correct in saying that if I used the card in a US ATM to withdraw $100 USD I would be charged $5 ATM fee plus a 3% AUD surcharge (3% of all transactions)and my account would be debited the amount in AUD related to the exchange rate of the day? Another way to say this would be that you pay $5 and are penalised an additional 3% fee plus the loss of commission on the exchange rate. Is that correct?

    • NAB says:

      Hi Steve, as at 23/11/2015 if you withdraw funds via an overseas ATM you’re charged a $5 Overseas ATM fee, the funds are converted to AUD and a foreign currency conversion fee of 3% of the AUD amount will apply ^BH

  84. Brendin says:

    will my nab visa debit card work in Cuba?

    • NAB says:

      Hi Brendin,
      Your NAB Visa debit card is likely to only work part of the time in Cuba depending on where you’re travelling to within Cuba and on the individual ATMs/ Point of Terminals.

      You may want to take your Visa Debit card but also perhaps buy some foreign currency from your local NAB Branch before your departure ^SN

  85. Girish says:

    I’m in India right now, Can I please know the daily limit to withdraw from ATM.
    Thank you

    • NAB says:

      Hi Girish, the daily withdrawal limit on your card is set at AUD $1000 and resets at midnight AEST. However, please bear in mind that the ATM may impose its own limit on the amount you can take out in one go – I hope this helps ^DH

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