You can have up to three Loaded for Travel accounts and each account has a card to use straight away and a reserve card for emergencies. Each account can be loaded with up to 5 currency wallets.
We provide a reserve card for you to use if your first card is lost, stolen, damaged or retained in an ATM. The reserve card has a different card number and your own selected PIN but it still accesses your travel money.
Yes, see Fees and limits. All card fees will be charged in the relevant currency except the initial card purchase fee which will be in New Zealand dollars.
The rate is set by us and will be quoted to you before you load any funds. This way you know what you've paid for the currency before you travel.
No, the card is not embossed with your name but you must still sign the back of the card.
The expiry date can be found on the front of the card.
Yes, you must be at least 10 and provide identification to purchase a travel card.
Your card will be activated already if you ordered it at a PostShop.
Cards ordered online will be mailed. You must activate these cards by:
Yes, you can select your own PIN when you buy the card.
We won't send paper statements. You can see your transactions and history using our online service and print them yourself. You can also hear your last 10 transactions through our automated phone service. You should always print your transactions before requesting us to close your card.
If you apply for and purchase Instant Insurance for Travel when you purchased the card, you would have received a policy document in your card pack. Find out more on www.nzpost.co.nz/travelinsurance.
You can use your card in New Zealand and overseas. Because it's a Visa card, it can be used at over 1 million ATMs and is accepted by more than 29 million retailers globally. Use the card at ATMs, EFTPOS, online and over the phone.
Yes the rate at the time of the transaction will be applied (set by us) and includes a foreign currency commission in the conversion.
If you have insufficient funds in a currency then we'll apply the wallet currency order so you can complete your transaction. We can only complete the transaction if the full amount is available in any one wallet.
If no wallet has enough funds to cover the transaction, it may be declined so it's important to reload your card if funds are getting low.
Yes. See Fees and limits
Yes, all funds on the card are refundable, less any applicable fees. Any foreign currency amount will be transferred into NZ$ before being refunded.
Always select 'credit' in New Zealand and overseas.
Yes, you can change your PIN online, via our automated phone service and at PostShops.
It is the three digit number on the back of the card next to the signature panel. Some merchants may request this number to complete a transaction.
You should let us know immediately so we can stop the card. You can start using your reserve card straight away.
Call us straight away and we'll cancel the cards and replace them for you.
Yes, Loaded for Travel offers the option to dispute a transaction. See Disputed transactions
You can check your balance via text, online or our automated phone service. More about TXT, phone and online services
When making purchases online, you will almost always be asked to provide a cardholder name. Because Loaded for Travel cards are not personalised, the cardholder name that you should use is Loaded for (first name) Travel (surname).
There is no additional currency conversion if you load and spend in the local currency. For example, if you have AUD$ loaded and spend in Australia, no additional currency conversion applies as you have already locked in your Australian dollars.
If you spend in a currency you don't have loaded, but the currency is either US$, AUD$, GBP, Euro or NZ$, or you transfer money between these wallets, you'll be charged a currency conversion based on the rate of the day which can be viewed on My Account. For example, if you have Euros loaded and you're spending in Australia, the Australian Dollar transaction will be converted to Euros based on the rate of the day.
If you spend in a currency other than US$, AU$, GBP, Euro or NZ$ and:
We recommend you load a wallet in the local currency of each of the places you're visiting keeping in mind that you can load NZ$, US$, AUD, Euros or GBP. Then when you spend in a currency you have loaded no additional currency conversion fees will apply.
If you're visiting a destination that doesn't use any of these currencies, we recommend you load some money into a NZ$ wallet to reduce your currency conversion costs. Full details on how the currency conversion fees are applied can be found in the fees and limits section.
A substitute card number allows you to give a number to another person so they can load your card for you (they can't make purchases). You don't have to give them your real 16 digit card number.
When you’ve finished with your Loaded for Travel card, we can close the card and refund the card balance to you in New Zealand dollars (less any applicable fees). If you hold any foreign currencies on the card, the foreign exchange rate of the day will apply. You will be refunded based on the rate of the day on the day the card is closed.
Make sure you print off a transaction history from My Account for your records before asking us to close your card because after closure you won’t have access to transaction records or statements.
Note, your card will be automatically closed if the card is in negative balance for longer than three months without any activity; or if the card has no activity for longer than six months and has a zero balance.
No, this is not available for Loaded for Travel.
We provide a reserve card for you to use if your first card is lost or stolen, damaged or retained in an ATM. If you lose both, we'll replace them. Fees apply.
Yes you can. You can lock and unlock your card online or through our TXT service.
Online, via our automated phone service and by text messages. If you're a Kiwibank customer you can also get your balance through internet banking.
Go to My Account. You'll be asked to enter your date of birth (DOB), card number and CVV2 number when you first logon. You'll be prompted to change your password and enter a user code for future access.
You can use Bill Pay through your internet banking. Search for 'Loaded for Travel' as a Bill Payee and make sure you select the currency that you want to load. Transfers using Bill Pay may take up to two business days to appear.
Some retailers may check that you have funds in the card before you pay the final bill (e.g. card rentals, hotels). This is called an authorisation. If requested, authorisations hold funds against your account and will reduce your available balance. These holds are up to five days.
You can call us and our Loaded for Travel card support team will help you.
No, online access relates to your Loaded for Travel card only. Ensure that you let Kiwibank know if you need to change your general banking information.
You can change your PIN, activate your card, get an account balance and the last 10 transactions and lock and unlock your reserve card.
You can use our text services in most countries around the world - to check if text is available in the country you are travelling to click here, select the country and if the "SMS" column is ticked, then it is available on that network within that country.
Cardholders can currently only access My Account through Internet Explorer and Safari. Other browsers such as Mozilla Firefox and Google Chrome are not compatible. The Loaded Team is working to resolve the issue.
In the meantime, please use our automated phone service to get your balance or check your last 10 transactions. Call 0800 825 335 (or +64 4 471 0222 from overseas). There is no charge for Loaded for Travel automated service calls.
Alternatively you can text to +61 4 279 422 80 and quote these text options (the usual fee of $0.50c per request applies plus any text costs from your mobile service provider):
We apologise for any inconvenience.
We offer up to five currencies, all on the one card:
Yes. We offer you travel insurance which offers great value protection and a broad range of benefits. Ask at the PostShop or request online when you order the card.
Yes, your transactions and any card authorisations will be available online. You can also export your transaction history. Transactions are also available via our text service.
The chip on the front of the card is an additional security feature that deters card copying.
Yes you can.
Yes it will! As a Visa card, it can be used worldwide and the wallet currency order will apply.
If you're spending in a currency you've loaded, the amount of your purchase or ATM withdrawal will be deducted from the available balance.
If you're spending in a currency that's not loaded, e.g. Indonesian rupee, the amount of your purchase or ATM withdrawal will be converted and deducted from the currency or currencies you have loaded, in this order:
New Zealand dollars, Australian dollars, USA dollars, Great Britain pounds and Euros.
This is called the currency order.
Each currency is loaded into a wallet on the card. If you have three currencies loaded, then you have three wallets stored on the card.
No, you can load one currency or up to all five - it's your choice depending on where you're travelling.
Loaded cards are issued by Kiwibank Limited. Download Kiwibank’s Disclosure Statement or pick up a copy from your local Kiwibank.