Important information

We're discontinuing Loaded™ for Travel cards – we stopped selling cards in December. Any cards that remain open as at 2 June 2020 will be cancelled. Find out more about the changes.

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.


Experiencing difficulties? Answers to your burning questions.

We’ve prepared some answers for tricky questions like purchasing in currencies you haven’t loaded, exceeding a balance, card authorisations or cards not working.

Withdraw cash from an ATM

Using your Loaded™ for Travel card saves you having to carry cash, because you load the currencies you need onto the card. If you really must withdraw cash, you can do so at most ATMs worldwide (fees apply).

More helpful info