Travel money card

The Worldwide Wallet is a prepaid Mastercard® that lets you lock in your exchange rates before you travel or shop. Pay no foreign transaction fees when you use your card to spend and enjoy access to Flight Delay Pass.

Worldwide Wallet Maintenance

Mastercard is performing maintenance on some Worldwide Wallet services from Sunday 17th November to Tuesday 19th November 2024 (AEDT) inclusive.

During this time, you can continue to:

Use your Worldwide Wallet card to shop in-store, online or over the phone.
Withdraw from ATMs using your Worldwide Wallet (in Australia and overseas).

During this time, you will be unable to:

Load or unload AUD to or from your Worldwide Wallet.
Activate your Worldwide Wallet card*.
Transfer funds between your currency wallets.
Set or change your Worldwide Wallet card Personal Identification Number (PIN).

How can I prepare for the maintenance?

Ensure that the following is in place before the maintenance period:

Your Worldwide Wallet card is activated*.
There are sufficient funds available in your Worldwide Wallet account and they are converted to support the currencies you expect to use during the maintenance period.
If required, your PIN has been verified or changed.

* If you’ve received your Worldwide Wallet travel card in the mail, you can activate your card before or after the maintenance period.

A smart and safe way to pay in foreign currencies

Travel and shop worry-free

Lock in your budget by converting your loaded AUD ahead of time and feel safe and secure from fraudulent transactions with Mastercard Zero Liability protection.¹

Flight Delay Pass

You and a companion can get access to over 1,000 lounges² if your flight is delayed for 120 minutes or more. Visit the Mastercard Flight Delay Pass website to pre-register your flight. T&Cs apply.

Priceless^®Cities and rewards

Access unforgettable experiences with Priceless Cities.³ You can also get cashback when you shop overseas with your Worldwide Wallet, thanks to Mastercard Travel Rewards.⁴

How it works

Before you leave

1. Activate your cards in Internet Banking

2. Transfer AUD to your card and convert into your choice of up to 10 currencies to lock in your rates.

While you're away

Pay for things using the local currency loaded on your card
Avoid ATM fees at Global ATM Alliance partners⁵
Reload your card as you go using the Bank of Melbourne App, with no load or reload fees.

When you get home

Convert leftover currency back to AUD or another available currency, with no unload fees
Remember, you can avoid foreign transaction fees while shopping online by paying with your Worldwide Wallet.

Save on fees

Avoid ATM withdrawal fees
Through our Global ATM Alliance and overseas partner ATMs which you can find using the ATM locator in the Bank of Melbourne app.

No foreign transaction fees
Avoid a 3% foreign transaction fee whenever you use your Worldwide Wallet to shop online or in person.

No load or unload fees
Reload your account on the go, whenever you need.

No account keeping fees
You won’t pay any inactivity or account keeping fees, so any funds left in your account will be there ready for your next trip or purchase.

Other fees may apply. Read the Product Disclosure Statement (PDF 325KB) for full list of fees.

Like to shop online?

Use your Worldwide Wallet for online purchases in foreign currencies and avoid a 3% foreign transaction fee.

Complete visibility and control

All in one view

See your account balance and transactions in your Mobile Banking app or in Internet Banking.

Move money easily

Transfer money to and from your Worldwide Wallet and convert AUD into foreign currencies while you’re on the go in your Mobile Banking app.

More ways to pay

Add your Worldwide Wallet to Google Pay™ or Samsung Pay™, or use your card to tap and go.

A spare card for peace of mind

Both cards give you access to the same funds and can be locked and unlocked instantly at your convenience via Mobile Banking.⁶

Add up to 11 currencies

Lock in your rate head of time by converting currency in advance.

You'll still be able to spend in currencies not listed here and avoid Westpac's 3% foreign transaction fee.

Use our currency converter to view the latest foreign exchange rates.

AUD - Australian Dollar
USD - United States Dollar
EUR - Euro
GBP - British Pound
NZD - New Zealand Dollar
CAD - Canadian Dollar
JPY - Japanese Yen
THB - Thai Baht
ZAR - South African Rand
SGD - Singapore Dollar
HKD - Hong Kong Dollar

Changes to your Worldwide Wallet account

We recently told you about changes to your Worldwide Wallet. Here is a summary of the changes.

PIN number changes

If your PIN is longer than 4 digits, it has been shortened to the first 4 digits of your current PIN.

What this means for you

If your current PIN is already only 4 digits long, you don’t have to do anything.
If your current PIN is longer than 4 digits, only the first 4 digits will be used as your new PIN for transactions.

How do I update my PIN?

You can change your PIN via the Westpac App or Online Banking.

Change to payments using Samsung Pay™

You'll no longer be able to use your Worldwide Wallet from your Samsung Pay Digital Wallet.

What this means for you

If you attempt to make a payment with your Worldwide Wallet using Samsung Pay, the transaction will decline.

If you have an AndroidTM device and wish to use your Worldwide Wallet via a digital wallet, you can add your Worldwide Wallet to Google Pay TM on eligible devices.

What if I don’t have Google Pay?

If you don’t have Google Pay, you can continue to use your physical Worldwide Wallet card wherever Mastercard® is accepted in-store, online and at ATMs.

FAQs

Why should I choose a Bank of Melbourne Worldwide Wallet for overseas travel?

A Bank of Melbourne Worldwide Wallet is a prepaid travel money card that can help you save on foreign transaction fees and give you control over your spending. With the Bank of Melbourne Worldwide Wallet, there are no load, reload or unload fees, or ATM withdrawal fees at Westpac Group ATMs and over 50,000 ATMs overseas.⁵

Before you shop or travel, you can also choose to convert your loaded AUD into any of the following currencies: USD, EUR, GBP, CAD, JPY, THB, ZAR, SGD, NZD and HKD. By locking in your exchange rate in advance and knowing exactly how much of a foreign currency is loaded on your card, the Bank of Melbourne Worldwide Wallet can make it easy for you to stay on top of your spending. When you sign up to a Bank of Melbourne Worldwide Wallet, you’ll also get access to exciting Mastercard travel and shopping perks - Flight Delay Pass, Priceless Cities and Mastercard Travel Rewards.

Why should I choose a Bank of Melbourne Worldwide Wallet for shopping online in foreign currencies?

With the Bank of Melbourne Worldwide Wallet, you can avoid a 3% foreign transaction fee when you shop online in available currencies.

You can shop safely by loading only what you need into any of the following currencies: USD, EUR, GBP, CAD, JPY, THB, ZAR, SGD, NZD and HKD. By knowing exactly how much of a foreign currency is loaded on your card, you can stay on top of your spending.

You’ll also benefit from Mastercard Zero Liability protection,¹ so you can shop worry-free from fraudulent transactions.

Can anyone apply for a Bank of Melbourne Worldwide Wallet?

To apply for a Bank of Melbourne Worldwide Wallet, you must be aged 14 years or older and be an existing Bank of Melbourne customer who is registered for Internet Banking. If you haven’t registered for Internet Banking, see this helpful guide to learn how to get started. If you’re new to Bank of Melbourne and would like to apply for a Worldwide Wallet, you’ll need to become a customer first by opening a Bank of Melbourne savings or transaction account and meeting our identification requirements. You can visit bankofmelbourne.com.au/personal/bank-accounts/tools/customer-identification for more information on how we identify you.

What if I want to spend in a currency that is not loaded on my account?

If you have insufficient funds to complete a transaction in a currency loaded on your account, or the transaction is in a currency not loaded on your account, the transaction will be automatically processed by drawing down from another currency in your account (provided that there are sufficient funds available in one or more other currencies to complete the transaction). Funds will be withdrawn according to the drawdown sequence, and the applicable exchange rate will apply. See the Product Disclosure Statement (PDF 325KB) for the drawdown sequence.

Can I use my Worldwide Wallet at overseas ATMs?

Yes, you can withdraw money or check your balance at overseas ATMs using your Worldwide Wallet. The balance displayed will be in the currency of the country you are visiting. You won’t pay an ATM withdrawal fee when using a Global ATM Alliance ATM.⁵ However, fees may apply if you use an ATM outside of the Global ATM Alliance network.

Do I need to download the Bank of Melbourne Mobile Banking app to use my Worldwide Wallet?

We recommend you download our app as we may send you important notifications about your Worldwide Wallet while you are travelling. Using the Bank of Melbourne Mobile Banking app makes it easy for you to get these notifications while you’re on the go. You can also use the app to:

Instantly transfer AUD between your savings and transaction Bank of Melbourne account/s and your travel money card
Convert between your loaded AUD and up to 10 different foreign currencies at any time to lock in your exchange rate
View your currency balances and transactions
Access your Worldwide Wallet account’s BSB and account number as well as your eStatements
Block your card/s if they have been lost or stolen

If you’re new to Mobile Banking, learn more about how to get started.

See all FAQs

The Detail

You should read the Bank of Melbourne Worldwide Wallet Product Disclosure Statement (PDF 325KB), Internet and Phone Banking Terms and Conditions (PDF 375KB) and Bank of Melbourne Retail and Business Banking Financial Services Guide (PDF 161KB) before making a decision and consider whether these products are appropriate for you. This information does not take into account your personal objectives, financial situation or needs and you should consider its appropriateness having regard to these factors before deciding to acquire these products.

A target market determination has been made for this product. Please visit bankofmelbourne.com.au/tmd for the target market determination.

Information will be disclosed to third parties about you and your Product, or transactions made by you with the Product, as necessary for the service provision or as required by law. Bank of Melbourne’s Privacy Statement explains our commitment to the protection of your personal information or you can learn more by calling 13 22 66.

1. You will be reimbursed for any unauthorised transactions, provided that you have not contributed to the loss, exercised reasonable care in protecting your card and account, and promptly notified Bank of Melbourne upon becoming aware of loss, theft, or misuse.

2. You must register each flight before its scheduled departure time. A flight is defined as a single scheduled airline flight under a single flight number. Delay must be officially announced by the airline and reported to our flight status data service provider. Flight Delay Pass is only available at selected airport terminals. If you are under 18 years old, you must be accompanied by an adult (18 years of age and older) to enter participating lounges. Access to and use of the Flight Delay Pass is subject to T&Cs which may change from time to time. Visit flightdelaypass.mastercard.com/worldwidewallet for the T&Cs and the list of participating lounges.

3. For Priceless ^® Cities terms of use, visit priceless.com/terms/en_AU.

4. Individual terms and conditions (T&Cs) apply to each offer. The T&Cs of each offer are specified on mtr.mastercardservices.com/en/i/20657. Cashback is available on international spend only. Cashback is not available for any local or domestic spend (in Australia). Cashback applies to qualifying transactions only (where a cardholder makes a purchase that meets the cashback offers published criteria and the specific T&Cs, in the local currency stipulated). Cashback is not processed immediately and will not reduce the purchase price of goods and services at the point of sale. The processing of cashback offers is undertaken by automated Mastercard systems and will appear as a credit on your next Bank of Melbourne card statement. Mastercard Travel Rewards is operated by Mastercard in agreement with Bank of Melbourne. For the Worldwide Wallet, the cashback processed will depend on the currencies available on your card and the location of your purchase. Examples of how a rebate may be processed are: If the destination currency is listed as a currency into which you can load funds onto your Card, the rebate will be credited as a single amount to the destination currency regardless of whether you have any funds available in that currency; or If the destination currency is not listed as a currency into which you can load funds onto your Card, the rebate will be credited to the local currency in the country in which your Prepaid Card was issued, i.e. AUD.

5. No ATM withdrawal fee at Westpac Group or Select Westpac Group partner ATMs in Australia and Global ATM Alliance partners. Other fees and charges may be payable.

6.The spare card should only be used if the Primary Card has been lost or stolen. For your security, the spare card should only be used by yourself, and not given to anyone else.

Internet connection may be needed to make purchases using Google Pay or Samsung Pay and normal mobile data charges apply.

Google Pay is a trademark of Google Inc.

Samsung and Samsung Pay are trademarks or registered trademarks of Samsung Electronics Co., Ltd.

Mastercard and Priceless are registered trademarks, and the circles design is a trademark of Mastercard International Incorporated.