The best banks and cards for Aussie and Kiwi travellers

AccountCountryNetworkTypeOverseas Foreign ATM feesInternational ATM surcharge rebatesForeign currency transaction feesannual/ monthly feesnotes
Maquarie Transaction AccountAustraliaMastercardDebit0-00
Mebank SpendME AccountAustraliaVisaDebit0-00
UBank Spend AccountAustraliaVisaDebit0-00
Suncorp Bank Everyday Options AccountAustraliaVisaDebit0-00
UP EverydayAustraliaMastercardDebit0-00
Bankwest Easy Transaction AccountAustraliaMastercardDebit0-00
HSBC Everyday Global AccountAustraliaVisaDebit0none, but surcharge free withdrawals at HSBC ATMs worldwide (40 countries)00use their own currency conversion rates instead of Visa's
Bendigo Bank Ready Credit CardAustraliaMastercardCredit1.53% interest per month-00
Bankwest Zero PlatinumAustraliaMastercardCredit2%, min. $4 + 1.67% interest per month-00
28 Degrees PlatinumAustraliaMastercardCredit3%, min. $4 + 1.67% interest per month-00
RevolutAustralia & New ZealandVisaPrepaid$350 per month free, then 2%-$2000 per month free, then 0.5%0own exchange rates. 1% markup on weekends.
WiseAustralia & New ZealandVisaPrepaid$350 per month free-min. 0.43% for 40+ currencies, 0 for the rest0own exchange rates for 40+ currencies, Visa rates for the rest, see terms.
WirexAustralia & New ZealandVisaPrepaid400 AUD per month free, 2% thereafter-00top-up fees apply
ASB Fastcash CardNew ZealandPlus (Visa)ATM0-1.1%0
ICBC Transaction AccountNew ZealandChina UnionPayDebit$4-0$12 annually for the debit card
Westpac Everyday AccountNew ZealandMastercardDebit0 for Global ATM Alliance (40+ countries), $3 elsewherenone, but surcharge free at Global ATM Alliance1.95%$10 annually for the debit card
Westpac Fee Free MastercardNew ZealandMastercardCredit1.53% interest per month-00
FlightcentreNew ZealandMastercardCredit$3 + interest-0$50 annually
ICBC Dual Currency Credit CardNew ZealandChina UnionPayCredit$4 + 1.66% interest per month-0$30 annuallyApplication only in branch in Auckland.


For Australians, any of the listed accounts is good. If you’re still under 18, go for the Maquarie or SpendME account which can be opened 14 and over.

The best credit card is the Bendigo Ready card, because it lacks a cash advance fee and is thus also useful as a backup for ATM access.

If you’re from New Zealand, Revolut is your best option since arriving in 2023. Westpac is the best credit card available for spending abroad, see above.

Term explainer:

Overseas ATM fee: The fee your own bank charges you for withdrawals when you use a foreign ATM abroad.

ATM surcharge rebate: How much of the fee the owner of the foreign ATM may charge you directly your bank will pay back to you. Not all ATMs charge a fee, but if they do it will show up on the screen at some point during the withdrawal process.

Foreign currency transaction fee: The fee your bank charges you for a transaction in a foreign currency. Unless otherwise noted this fee applies to both, ATM withdrawals and POS transactions in a store/ or on the internet.


Spotted a mistake, or know another card that doesn’t charge? Shoot me an email at webmaster [at]


I’m not a financial advisor, everything you read on this website is for informational purposes only. While doing my best, I do not take responsibility for the accuracy of the information. Make sure you read all the fine print before you sign up for any of these products. If you have questions about fees or terms contact the bank/ card issuer.