Use local currencies to save your money
Your Loaded™ for Travel card works just like an everyday debit card, except you can use both NZ dollars and any of our other supported currencies you’ve loaded. By shopping in the local currency while abroad (or online) you'll avoid international transaction fees. Make sure you load money before you shop.
Make online or phone purchases
All you need to pay for things online (or over the phone) is the 16-digit card number, expiry date of the card, plus the CVV2 security number on the back of the card. Enter your first and last name if you're asked for the cardholder name.
Make in-store purchases
Whether it's a store in New Zealand or abroad, you just use the ‘Credit’ button and your PIN to pay for things. Some places may also ask for a signature. Find out more about using your card while travelling.
Not enough money in your wallet?
A transaction will only be completed if the full amount is available in any one currency. If you haven't Loaded enough local currency, your purchase gets deducted from the next currency you have available and converted.
When this kind of thing happens, we'll always go through your currencies in this order: New Zealand Dollar, Australian Dollar, United States Dollar, British Pound, Euro, Canadian Dollar, Singapore Dollar, Hong Kong Dollar, Thai Baht, Japanese Yen, South African Rand.
We can only complete the transaction if the full amount is available in any one currency. If no currency has enough funds, your card will be declined.