NAB Traveller Card

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Carry less cash and use a card that isn’t connected to your other NAB accounts.
Track your spending and reload your card through NAB Internet Banking or the NAB app.¹
Withdraw cash from overseas ATMs.
No load, cash out or inactivity fees.²
Locked-in exchange rates for up to ten different currencies.
A chip and PIN protected card to keep your money safe – and a back-up card, just in case.

$0 Load fees	Whether you're loading, reloading or unloading your funds, there are no load fees.
$0 Inactivity fees	Keep any funds left on your card for your next trip overseas without getting charged any fees.
$0 Overseas ATM fees	While some overseas ATM owners may charge their own fees, we won't charge you anything when you withdraw funds.

ATM fees for use in Australia

$3.75 withdrawal fee from NAB ATMs.
No NAB ATM balance enquiry fee.²
Other ATM owners may charge their own fees.

Point of Sale (POS) fee

We won’t charge you, but you may incur a fee from other operators.

Currency conversion - fees and exchange rates

Foreign currency conversion fees and exchange rates apply when:

you use the card to make a transaction (ATM, point of sale, internet or phone) and the card does not hold the local currency or enough of the local currency to complete the transaction
a fee is charged to the card in a currency that is not loaded onto the card.

Currency conversion exchange rates also apply when funds are moved from one currency to another currency on your card.

Foreign currency conversion fees are 4% of the total transaction value.

There are other instances when these fees and rates will apply. To learn how your NAB Traveller Card works, refer to section 7 of our NAB Traveller Card Product Disclosure Statement and Terms and Conditions (PDF, 389KB).

Making transactions on your NAB Traveller Card

Avoid pre-authorisations

A pre-authorisation is when a merchant (such as a hotel or car hire company) requests that your bank holds a specific amount of your money. These can last up to 30 days. We don’t recommend that you use your NAB Traveller Card for pre-authorisations.

Use ‘credit’ for payments

When using your card at POS terminals and ATMs, you should select ‘credit’³ and not the ‘cheque’ or ‘savings’ option. You will then be asked to enter your PIN or provide a signature on a voucher to confirm the transaction.

Pay in local currency

Some foreign retailers and ATM operators may give you the choice of paying in either the currency of the country you’re visiting or Australian Dollars.

If you make a transaction overseas and opt to pay in Australian Dollars (instead of the local currency that’s loaded on your NAB Traveller Card), this will result in a foreign exchange transaction. This means there will be an additional cost to you, as the card will seek to transact in Australian Dollars rather than the local currency.⁴

Keep track of your balance

To avoid unnecessary fees and charges because of insufficient balances in local currencies, check your balances before you make a transaction on either:

NAB Internet Banking or the NAB app
My Account

How to manage your card

NAB Internet Banking and the NAB app

In NAB Internet Banking and the NAB app, you can:

check your balances and view transaction history
move money from one currency to another currency on your card
transfer from linked accounts to reload or cash out from your card.

My Account

If you don’t have access to NAB Internet Banking or the NAB app, you can use My Account to check your balances and transaction history or to move money from one currency to another currency on your card.

To register, visit My Account, select new registration and simply follow the instructions on the screen to register your primary NAB Traveller Card.

By phone

If you’re unable to go online, you can call NAB Card Services 24 hours a day, 7 days a week on 1800 098 231 from within Australia.

If you’re overseas, please call +44 207 649 9404 or the free call number for the country you’re in – you can find contact numbers in the Product Disclosure Statement.

Using your NAB Traveller Card

No matter where you are in the world, you’ll always have the support of NAB Card Services. They’ll be able to help you with any issues you experience with the NAB Traveller Card.

If you’ve lost your card, had it stolen or believe your PIN or any other security information has been compromised, contact NAB Card Services immediately.

Calling from overseas: +44 207 649 9404

Calling from Australia: 1800 098 231

Free call number: See our Product Disclosure Statement (PDF, 389KB) for a list of free call numbers⁵ for each country.

How do I dispute a transaction?

Read our simple instructions on how to dispute a NAB Traveller Card transaction.

Reloading funds on your card

You can reload funds onto your card using NAB Internet Banking, the NAB app, BPAY^® or at any NAB branch.

When using NAB Internet Banking or the NAB App to reload, you’ll be able to access your funds immediately. Watch our step-by-step guides.

With BPAY it can take up to five business days for funds to be available on your card.

When using BPAY, you’ll need to enter the following details:

Biller Code: 195016

Reference Number: your 16-digit card number.

Cashing out funds from your card

You can cash out from your NAB Traveller Card:

To your NAB Account(s) - Transfer funds to any of your linked NAB accounts using NAB Internet Banking or the NAB app. These funds will be sent to your linked NAB account within 24 hours. Watch our step-by-step guides.

Via the My Account portal - You can cash out your NAB Traveller Card balance by securely logging into the My Account portal and making a transfer to your Australian Bank account. An email will be sent to the registered email address to confirm that a cashout was made.

At an ATM - You can withdraw money from an ATM, but fees may apply. Alternatively, you can convert leftover foreign currency balances to AUD when you return from your holiday. Then simply continue to use your card as a prepaid card in Australia until your balance is $0.

Otherwise, complete our cash out form (PDF, 230KB). Any remaining funds in a foreign currency will need to be converted to Australian Dollars and deposited into an account held with a financial institute in Australia. If you complete this form it may take up to 10 business days for your remaining funds to be received.

If you experience any issues with your NAB Traveller Card, NAB Card Services will be here to help you.

For enquiries or help

In Australia, you can call NAB Card Services 24/7 on 1800 098 231.
If you’re overseas, please call +44 207 649 9404 or use the Product Disclosure Statement to find the free call number for the country you’re in.
Visit your local branch.
If you need to update your personal details with us – Please ensure you notify NAB on 13 22 65 and NAB Card Services on 1800 098 231.

What if I have lost both my cards and need emergency cash?

If both your primary and back up NAB Traveller Cards (or your cards’ details) have been misused, lost or stolen, you can contact NAB Card Services 24/7 on 1800 098 231 to arrange:

replacement cards to be sent to you within 3-7 business days depending on your location
funds in local currency to be sent to you in an emergency. NAB Card Services will notify you on the expected delivery time of emergency funds based on your location.

Important information

¹Loading and reloading your card

Load and reload limits apply. Funds loaded via NAB Internet Banking will be available immediately. The foreign exchange rate quoted is NAB’s Currency-to-Currency foreign exchange rate. Allow 2-3 Australian business days for funds reloaded via BPAY to appear on your card. The exchange rate that’ll be applied is the rate at the time of processing, not when the BPAY transaction is initiated. Reloads are calculated using the NAB Currency-to-Currency foreign exchange rate. For further information see the NAB Traveller Card Product Disclosure Statement and Terms and Conditions (PDF, 389KB).

²Withdrawals and transactions

Some operators and merchants may directly charge a fee. Daily transaction and ATM withdrawal limits apply. Transactions and fees that require a currency conversion are calculated using Mastercard foreign exchange rates and are subject to NAB’s Foreign Currency Conversion fee.

³By selecting ‘credit’ you are accessing the card funds on your card to make withdrawals and purchases. It does not provide you with any credit. NAB does not provide you with any credit in connection with the card.

Rates, fees and limits apply. Please refer to the NAB Traveller Card Product Disclosure Statement and Terms and Conditions (PDF, 389KB) before making any decisions regarding this product. NAB's the product issuer.

NAB Traveller Card user guide (PDF, 252KB)

⁴Transactions and fees that require a currency conversion are calculated using Mastercard foreign exchange rates and are subject to the NAB Foreign Currency Conversion fee. See fees and limits tables contained in the PDS.

⁵There may be a charge for calls to these numbers, if phoning from a hotel or mobile phone.

Mastercard® is a registered trademark, and the circles design is a trademark of Mastercard International Incorporated.

® BPAY is a registered trademark of BPAY Pty Ltd ABN 69 079 137 518.