travel money card apple pay

• Skip navigation
• Find a branch
• Help and support

Popular searches

• Track a parcel
• Travel money
• Travel insurance
• Drop and Go

Log into your account

• Credit cards
• International money transfer
• Junior ISAs

Travel and Insurance

• Car and van insurance
• Gadget insurance
• Home insurance
• Pet insurance

Travel Money Card

• Parcels Online

For further information about the Horizon IT Scandal, please visit our  corporate website

• Travel Money

A safe-to-use, prepaid, reloadable, multi-currency card that’s not linked to your bank account

No charges when you spend abroad*

Make contactless, Apple Pay and Google Pay™ payments

Manage your account and top up or freeze your card easily with our Travel app

*No charges when you spend abroad using an available balance of a local currency supported by the card.

Win £5000 with Post Office Travel Money Card

A chance to win £5000 when you top up a new or existing Travel Money Card*. Offer ends 12 May

*Exclusive to travel money cards. Promotion runs 4 March to 12 May 2024. 1 x £5,000 prize available to be won each week. Minimum equivalent spend of £50 applies.

Why get a Travel Money Card?

Carry up to 22 currencies safely.

Take one secure, prepaid Mastercard® away with you that holds multiple currencies (see ‘common questions’ for which).

Accepted in over 36 million locations worldwide

Use it wherever you see the Mastercard Acceptance Mark – millions of shops, restaurants and bars in more than 200 countries.

Manage your card with our travel app

Top up, manage or freeze your card, transfer funds between currencies, view your PIN and more all in our free Travel app .

It’s simple to get started

No need to carry lots of cash abroad. Order a Travel Money Card today for smart, secure holiday spending.

Order your card

Order online, via the app or pick one up in branch and load it with any of the 22 currencies it holds.

Activate it

Cards ordered online and in-app should arrive within 2-3 working days. Activate it by following the instructions in your welcome letter.

It’s ready to use

Spend in 36 million locations worldwide, and top up and manage your card in the app or online.

Stay in control

Manage your holiday essentials together in one place on the move, from your Travel Money Card and travel insurance to extras like airport parking.

New-look travel app out now

Our revamped travel app’s out now. It makes buying, topping up and managing Travel Money Cards with up to 22 currencies a breeze. Buying and accessing Travel Insurance on the move effortless. And it puts holiday extras like airport hotels, lounge access and more at your fingertips. All with an improved user experience. Find out what’s changed .

Order a Travel Money Card

Order your card online – or through the Post Office travel app – and we'll deliver it within 2-3 days. Just activate it and go.

Need it quick? Visit a branch

Pick up a Travel Money Card instantly at your local Post Office. Bring a valid passport, UK driving licence or valid EEA card as ID. 

Need some help?

We’re here to help you make the most of your Travel Money Card – or put your mind at ease if it’s been lost or stolen

Lost or stolen card?

Please immediately call: 020 7937 0280

Available 24/7

To read our FAQs, manage your card or contact us about using it:

Visit our Travel Money Card support page

Common questions

How can i order my card.

There are three ways that you able to obtain a Travel Money Card, each very simple.

Please note, you must be a UK resident over the age of 18 to obtain a Travel Monday Card.

• Via our travel app: you can order and store up to three Travel Money Cards in our free travel app . Delivery will take 2-3 working days.
• Online: follow our application process  to order your card online. Your card will take 2-3 working days to be delivered. Once it arrives you can link it to our Travel app to manage on the go. 
• In branch: simply find a nearby Post Office branch and pop in to get your Travel Money Card there. Please remember to take a valid passport, UK driving licence or a valid EEA card in order to obtain your card, and you can take it away the same day.

Whichever way you choose to order your card, don't forget to activate it once it arrives. Full details of how to activate your card will be provided in your welcome letter, to which your card will be attached if it’s been sent in the post.

How do I use my card?

Travel Money Card is enabled with both chip & PIN and contactless, so you can make larger and lower-value value payments with it respectively. For convenience, you can also add it to Apple Pay and Google Wallet.

You can load it with between £50 and £5,000 (see more on load limits below). You can use it to pay wherever the Mastercard Acceptance Mark is displayed. And you can withdraw cash with it at over 2 million ATMs worldwide (charges and fees apply, see 'Are there top-up limits?' below).

Your Travel Money Card is completely separate from your bank account so it’s a safe and secure way to pay while you’re abroad.

How can I manage my card?

After you've activated your card, you can manage it using our travel app or via a web browser. You can check your recent transactions, view your PIN, transfer funds between different currency ‘wallets’, top up your card, freeze your card and more.

Our travel app brings together travel essentials including holiday money, travel insurance and more together in one place. As well as managing your Travel Money Card you can buy cover for your trip, access your policy documents on the move, book extras such as airport parking and hotels, and find your nearest ATM while overseas or Post Office branches here in the UK.

Which currencies can I use?

The Post Office Travel Money Card can be loaded with up to 22 currencies at any one time. You can top up funds on the card and transfer currencies between different ‘wallets’ for these currencies easily in our travel app or online.

Currencies available:

• EUR – euro
• USD – US dollar
• AUD – Australian dollar
• AED - UAE dirham
• CAD – Canadian dollar
• CHF – Swiss franc
• CNY – Chinese yuan
• CZK – Czech koruna
• DKK – Danish krone
• GBP – pound sterling
• HKD – Hong Kong dollar
• HUF – Hungarian forint
• JPY – Japanese yen
• NOK – Norwegian krone
• NZD – New Zealand dollar
• PLN – Polish zloty
• SAR – Saudi riyal
• SEK – Swedish Krona
• SGD – Singapore dollar
• THB – Thai baht
• TRY – Turkish lira
• ZAR – South African rand

What are the charges and fees?

Full details of our charges and fees can be found in our   Travel Money Card terms and conditions .

The Post Office Travel Money Card is intended for use in the countries where the national currency is the same as the currencies on your card. If the currency falls outside of any of the 22 we offer on your card, you’ll be charged a cross-border fee. For example, using your card in Brazil will incur a cross-border fee because we do not offer the Brazilian real as a currency. 

Cross border fees are set at 3% and are only applicable when you use your currency in a country other than the ones we offer. 

For more information on cross border fees, please visit our cross border payment page.

There are no charges when using your card in retailers in the country of the currency on the card. This means that a €20 purchase in Spain would cost you €20 and will be deducted from your euro balance. 

To avoid unnecessary charges to your card, wherever asked, you should always choose to pay for goods or withdraw cash in the currencies of your card. For example, if you are using the card in Spain you should always choose to pay in euro if offered a choice; choosing to pay in sterling (GBP) in this example would allow the merchant to exchange your transaction from euro to sterling. This would mean your transaction has gone through two exchange rate conversions, which will increase the total cost of your transaction. 

For loads in Great British pounds, a load commission fee of 1.5% will apply (min £3, max £50). A monthly maintenance fee of £2 will be deducted from your balance 12 months after your card expires. Expiration dates can be found on your TMC; all cards are valid for up to 3 years. 

A cash withdrawal fee will be charged when withdrawing cash from a UK Post Office branch or from any ATM globally that accepts Mastercard.  

We have listed all available currencies and their associated withdrawal limits and charges below: 

EUR – euro Max daily cash withdrawal: 450 EUR Withdrawal charge: 2 EUR

USD – US dollar Max daily cash withdrawal: 500 USD Withdrawal charge: 2.5 USD

AED – UAE dirham Max daily cash withdrawal: 1,700 AED Withdrawal charge: 8.5 AED

AUD – Australian dollar Max daily cash withdrawal: 700 AUD Withdrawal charge: 3 AUD

CAD – Canadian dollar Max daily cash withdrawal: 600 CAD Withdrawal charge: 3 CAD

CHF – Swiss franc Max daily cash withdrawal: 500 CHF Withdrawal charge: 2.5 CHF

CNY – Chinese yuan Max daily cash withdrawal: 2,500 CNY Withdrawal charge: 15 CNY

CZK – Czech koruna Max daily cash withdrawal: 9,000 CZK Withdrawal charge: 50 CZK

DKK – Danish krone Max daily cash withdrawal: 2,500 DKK Withdrawal charge: 12.50 DKK

GBP – Great British pound Max daily cash withdrawal: 300 GBP Withdrawal charge: 1.5 GBP

HKD – Hong Kong dollar Max daily cash withdrawal: 3,000 HKD Withdrawal charge: 15 HKD

HUF – Hungarian forint Max daily cash withdrawal: 110,000 HUF Withdrawal charge: 600 HUF

JPY – Japanese yen Max daily cash withdrawal: 40,000 JPY Withdrawal charge: 200 JPY

NOK – Norwegian krone Max daily cash withdrawal: 3,250 NOK Withdrawal charge: 20 NOK

NZD – New Zealand dollar Max daily cash withdrawal: 750 NZD Withdrawal charge: 3.5 NZD

PLN – Polish zloty Max daily cash withdrawal: 1,700 PLN Withdrawal charge: 8.5 PLN

SAR – Saudi riyal Max daily cash withdrawal: 1,500 SAR Withdrawal charge: 7.50 SAR

SEK – Swedish Krona Max daily cash withdrawal: 3,500 SEK Withdrawal charge: 20 SEK

SGD – Singapore dollar Max daily cash withdrawal: 500 SGD Withdrawal charge: 3 SGD

THB – Thai baht Max daily cash withdrawal: 17,000 THB Withdrawal charge: 80 THB

TRY – Turkish lira Max daily cash withdrawal: 1,500 TRY Withdrawal charge: 7 TRY

ZAR – South African rand Max daily cash withdrawal: 6,500 ZAR Withdrawal charge: 30 ZAR

Are there top-up limits?

Yes, all currencies have top-up limits and balances. See full information below, which is applicable to all currencies available on the Travel Money Card.

• Top-up limit: minimum £50 – maximum £5,000
• Maximum balance: £10,000 at any time, with a maximum annual balance of £30,000
• Read more Travel Money Card FAQs

Other related services

Our annual survey of European ski resorts compares local prices for adults and ...

Hoi An in Vietnam is still the best-value long haul destination for UK ...

Travelling abroad? These tips will help you get sorted with your foreign ...

We all look forward to our holidays. Unfortunately, though, more and more ...

The nation needs a holiday, and Brits look set to flock abroad this year. The ...

To avoid currency conversion fees abroad, always choose ‘local currency’ ...

If you’re driving in Europe this year, Andorra’s your best bet for the cheapest ...

One of the joys of summer are the many music festivals playing across the ...

Prepaid currency cards are a secure way to make purchases on trips abroad. They ...

For the first time in 16 years of our reports, Lisbon is not only the cheapest ...

The nation needs a holiday. And, with the summer season already underway, new ...

Knowing how much to tip in a café, restaurant, taxi or for another service can ...

Post Office Travel Money unveils the first Islands in the Sun Holiday Barometer ...

Long-haul destinations offer the best value for UK holidaymakers this year, ...

Kickstarting your festive prep with a short getaway this year? The Post Office ...

Thinking of heading off to Europe for a quick city break, but don’t want to ...

Find out more information by reading the  Post Office Travel Money Card's terms and conditions .

Post Office Travel Money Card is an electronic money product issued by First Rate Exchange Services Ltd pursuant to license by Mastercard International. First Rate Exchange Services Ltd, a company registered in England and Wales with number 4287490 whose registered office is Great West House, Great West Road, Brentford, TW8 9DF, (Financial Services Register No. 900412). Mastercard is a registered trademark, and the circles design is a trademark of Mastercard International Incorporated.

Post Office and the Post Office logo are registered trademarks of Post Office Limited.

Post Office Limited is registered in England and Wales. Registered number 2154540. Registered office: 100 Wood Street, London, EC2V 7ER. 

These details can be checked on the Financial Services Register by visiting the  Financial Conduct Authority website  and searching by Firm Reference Number (FRN).

Introducing Apple Pay. Your iPhone is now your Travelex Money Card.

With Apple Pay, you can pay quickly and easily with your Travelex Money Card straight from your iPhone or Apple Watch.

Apple Pay uses the security features built into your Apple device — including Face ID and Touch ID — which are designed so only you can authorise payments.

Online and in-app benefits

With Apple Pay, information like your name and address automatically populate at checkout. Now paying is faster than ever.

How to add your Travelex Money Card to Apple Pay

Adding your Travelex Money Card to Apple Pay is easy. Just following these simple steps:

Open Apple Wallet on your iPhone, then tap the plus sign (+) to get started.

Go to settings. Select “Wallet & Apple Pay” and tap Add Card.

MacBook Pro:

On models with Touch ID, go to System Preferences. Select “Wallet & Apple Pay” and tap Add Card.

Apple Watch:

Open your Apple Watch on your iPhone and select “Wallet & Apple Pay” and tap Add Card.

Frequently asked questions

Everything you need to know about adding your card to apple pay.

Adding your Travelex Money Card to your Apple Wallet is a simple process. After you have registered your Travelex Money Card within the Travelex Money App, it will prompt you to add your Travelex Money Card to your Apple Wallet through a link within the app home screen. Follow the on-screen instructions and they will guide you through the whole process.

If you're not able to successfully add your card, then please follow these steps .

Yes, you are now able to add currency to your Travelex Money Card with Apple Pay. When you go to checkout and select a payment method, you can select Apple Pay and add funds from Maestro, Mastercard or VISA debit/credit cards.

If you have followed all of the steps within the FAQ titled 'How do I add a Travelex Money Card to my Apple Wallet?' and have been unable to add the card successfully, then please feel free to reach out to the Card Services team on 0800 260 0355 who will be able to assist you. If you are currently outside of the UK, check for a free local number here .

There are no additional charges whatsoever when using your Travelex Money Card through Apple Pay. It's simply a way of using your phone to pay in place of your physical card, so only the standard Travelex Money Card fees and charges apply. See more here for a breakdown of associated charges.

Yes, absolutely. It's always advisable to carry your Travelex Money Card with you, even if you use your Apple Wallet most of the time. Contactless or mobile payments may not be accepted in some places. Having your card with you means you'll always be able to spend with confidence wherever Mastercard Prepaid is accepted.

You can use Apple Pay to pay for any available currency loaded on your Travelex Money Card.

You can use Apple Pay to pay for any available currency loaded on your Travelex Money Card. In the same way that your Travelex Money Card works, Apple Pay will automatically select the correct currency when the currency type and funds available on your Travelex Money Card. If the correct currency funds are not available, then payment will be taken in priority order from your Travelex Money Card to fund the spend (the order is GBP, EUR, USD, AUD, CAD, NZD, ZAR, TRY, CHF, AED, MXN, PLN, SEK, JPY, THB, HKD, SGD). Additional charges may be incurred if this happens, see full details on fees and limits here .

If you lose your Apple device, you can put it in Lost Mode to suspend Apple Pay, or you can wipe your device completely clean – just log in to iCloud to manage these settings.

If you're concerned about your Travelex Money Card, please log into your Travelex Money Card My Account area or the app, where you can suspend your card quickly and easily.

Via the website

• Log in and tap 'card settings'
• Click on the button named 'suspend card', you'll need to confirm this by hitting a second button also named 'suspend card'
• After a few seconds, you should see 'card status: SUSPENDED'. When you see this, your card has been temporarily frozen. It will stay that way until you unsuspend it following the same instructions.

Via the app

• Log in and tap 'freeze'
• Click on the button named 'freeze' and this will suspend your card
• You will then see a message on your device that reads 'Your card is frozen and can't be used. Unfreeze your card by tapping the button below'

If you don't have access to the My Account area or the app, you can contact our Card Services team on 0800 260 0355 who will be able to assist you. If you are currently outside of the UK, check for a free local number here .

Travelex Money Card

Our Travel Money Card is the quick, easy and secure way to spend aboard.

Quick Links

• Travel Money Card
• Exchange Rates
• Bureau de Change
• Max Your Foreign Currency
• Compare Your Travel Money
• Travellers Cheques
• Precious Metals

About Travelex

• Store Finder
• Download Our App

Useful Information

• Help & FAQs
• Privacy Centre
• Terms & Conditions
• Travelex Money Card Terms & Conditions
• Statement of Compliance
• Website Terms of Use
• Safety & Security
• Modern Slavery Statement

Customer Support

Travelex foreign coin services limited.

Worldwide House Thorpe Wood Peterborough PE3 6SB

Reg Number: 02884875

Your safety is our priority. Click here for our latest Customer update

Apple Pay security and privacy overview

Find out how Apple protects your personal information, transaction data and payment information when you use Apple Pay.

Apple Pay allows you to make easy, secure and private transactions in shops, in apps and on the web. You can also send and receive money with friends and family using Apple Cash (US only). And with contactless rewards cards in Wallet, you can receive and redeem rewards when you pay using Apple Pay.

Apple Pay is designed with your security and privacy in mind, making it a simpler and more secure way to pay than using your physical credit, debit and prepaid cards. Apple Pay uses security features built in to the hardware and software of your device to help protect your transactions. In addition, to use Apple Pay, you must have a passcode set on your device and, optionally, Face ID or Touch ID .

Apple Pay is also designed to protect your personal information. Apple doesn’t store or have access to the original credit, debit or prepaid card numbers that you use with Apple Pay. And when you use Apple Pay with credit, debit or prepaid cards, Apple doesn't retain any transaction information that can be tied back to you. Your transactions stay between you, the merchant or developer, and your bank or card issuer.

When you add credit, debit, prepaid or travel cards

When you add a credit, debit, prepaid or travel card (where available) to Apple Pay, information that you enter on your device is encrypted and sent to Apple servers. If you use the camera to enter the card information, the information is never saved on your device or photo library.

Apple decrypts the data, determines your card’s payment network and re-encrypts the data with a key that only your payment network (or any providers authorised by your card issuer for provisioning and token services) can unlock.

Information that you provide about your card, whether certain device settings are enabled and device use patterns – such as the percentage of the time the device is in motion and the approximate number of calls you make per week – may be sent to Apple to determine your eligibility to enable Apple Pay. Information may also be provided by Apple to your card issuer, payment network or any providers authorised by your card issuer to enable Apple Pay, to determine the eligibility of your card, to set up your card with Apple Pay and to prevent fraud.

After your card has been approved, your bank, your bank’s authorised service provider or your card issuer creates a device-specific Device Account Number, encrypts it and sends it along with other data (such as the key used to generate dynamic security codes that are unique to each transaction) to Apple. The Device Account Number can’t be decrypted by Apple but is stored in the Secure Element – an industry-standard, certified chip designed to store your payment information safely – on your device. Unlike with usual credit or debit card numbers, the card issuer can prevent its use on a magnetic stripe card, over the phone or on websites. The Device Account Number in the Secure Element is isolated from iOS, watchOS and macOS, is never stored on Apple servers and is never backed up to iCloud.

Apple doesn’t store or have access to the original card numbers of credit, debit or prepaid cards that you add to Apple Pay. Apple Pay only stores a portion of your actual card numbers and a portion of your Device Account Numbers, along with a card description. Your cards are associated with your Apple ID to help you add and manage your cards across your devices.

In addition, iCloud secures your Wallet data – like passes and transaction information – by encrypting it when it's sent over the Internet and storing it in an encrypted format when it's kept on Apple's servers. You can disable iCloud support on your device by going to Settings > [your name] > iCloud and turning off Wallet. Find out more about how iCloud stores and protects your data .

When you use Apple Pay in shops

When you use Apple Pay in stores that accept contactless payments, Apple Pay uses Near Field Communication (NFC) technology between your device and the payment terminal. NFC is an industry-standard, contactless technology that’s designed to only work across short distances. If your iPhone is on and detects an NFC field, it will present you with your default card. To send your payment information, you must authenticate using Face ID, Touch ID or your passcode (except when you use Express Mode with a payment or travel card). With Face ID or with Apple Watch, you must double-click the side button when the device is unlocked to activate your default card for payment.

After you've authenticated your transaction, the Secure Element provides your Device Account Number and a dynamic, transaction-specific security code to the shop’s point of sale terminal, along with additional information needed to complete the transaction. Again, neither Apple nor your device sends your actual payment card number. Before they approve the payment, your bank, card issuer or payment network can verify your payment information by checking the dynamic security code to make sure it’s unique and tied to your device.

When you use Apple Pay within apps or on the web

When you use an app or a website that uses Apple Pay in iOS, watchOS or macOS, the app or website can check if you have Apple Pay enabled on that device. You can manage this option in Settings > Safari on your iOS device, and in the Privacy tab in Safari preferences on your Mac.

To securely transmit your payment information when you pay in apps or on the web, Apple Pay receives your encrypted transaction and re-encrypts it with a developer-specific key before the transaction information is sent to the developer or payment processor. This key helps ensure that only the app or the website that you're purchasing from can access your encrypted payment information. Websites must verify their domain every time they offer Apple Pay as a payment option. Like with in-store payments, Apple sends your Device Account Number to the app or website along with the transaction-specific dynamic security code. Neither Apple nor your device sends your actual payment card number to the app.

Apple retains anonymous transaction information, including the approximate purchase amount, app developer and app name, approximate date and time, and whether the transaction was completed successfully. Apple uses this data to improve Apple Pay and other products and services. Apple also requires apps and websites in Safari that use Apple Pay to have a privacy policy that you can view, which governs their use of your data.

When you use Apple Pay on your iPhone or Apple Watch to confirm a purchase from your Mac in Safari, your Mac and the authorising device communicate over an encrypted channel via Apple servers. Apple doesn’t retain any of this information in a form that personally identifies you. You can disable the ability to use Apple Pay on your Mac in Settings on your iPhone. Go to Wallet & Apple Pay and turn off Allow Payments On Mac.

When you add and use rewards cards with Apple Pay transactions in shops

When you add contactless rewards cards to Wallet , all the information is stored on your device and encrypted with your passcode. You can choose to have a rewards card automatically presented for use in the merchant’s shops when you make an Apple Pay purchase (or you can turn off this setting in Wallet). Apple requires all information sent to the payment terminal to be encrypted. Rewards card information is only sent with your authorisation. And Apple doesn’t receive any information about the rewards transaction other than what's displayed on the pass. iCloud backs up your cards and keeps your rewards cards up to date on multiple devices.

If you sign up for a rewards card and provide information to the merchant, such as your name, postcode, email address and phone number, Apple will receive notification of the sign-up, but the information that you share will be sent directly from your device to the merchant and is treated in accordance with the merchant’s privacy policy.

If you lose your device and need to suspend or remove cards from Apple Pay

If you turned on Find My on your device, you can suspend Apple Pay by placing your device in Lost Mode instead of immediately cancelling your cards. If you find your device, you can re-enable Apple Pay.

You can go to your Apple ID account page to remove the ability to make payments with the credit, debit and prepaid cards that you were using with Apple Pay on the device.

Erasing your device remotely using Find My also removes the ability to pay with the cards that you were using with Apple Pay. Your credit, debit and prepaid cards will be suspended from Apple Pay by your bank, your bank’s authorised service provider, your card issuer or your issuer's authorised service provider, even if your device is offline and not connected to a mobile or Wi-Fi network. If you find your device, you can add the cards again using Wallet.

In addition, you can call your bank or issuer to suspend your credit, debit or prepaid cards from Apple Pay. The ability to use rewards cards stored on your device is only removed if or when your device is online.

When you send and receive money with Apple Cash (US only)

Apple Cash allows you to send and receive money with other people in Messages and Wallet. When you receive money, it’s added to your Apple Cash card that can be used to make purchases using Apple Pay in shops, in apps and on the web. Person-to-person payments and the Apple Cash card are services provided by Apple’s partner bank, Green Dot Bank, member FDIC. You can learn how Green Dot Bank protects your information by reviewing their privacy policy .

When you set up Apple Cash , the same information as when you add a credit or debit card may be shared with Green Dot Bank and with Apple Payments Inc. Apple created Apple Payments Inc., a wholly owned subsidiary and licensed money transmitter, to protect your privacy. Your Apple Cash account registration information (name, address), balance, transaction amounts and who you send money to or receive money from are stored separately by Apple Payments Inc. in a way that the rest of Apple doesn’t know. Your personal data stored with Apple Payments Inc. is used only to provide you services that you request, for troubleshooting, regulatory purposes and to prevent fraud.

To verify your identity, you may be asked to provide information, including your name and address to the bank and their identity verification service provider. This information is only used for fraud prevention and to comply with US financial regulations. Your name and address is securely stored by the partner bank and Apple Payments Inc., but any additional information that you’re asked to provide – such as National Insurance number, date of birth, answers to questions (e.g. confirm street name you have previously lived on) or a copy of your government ID – can’t be read by Apple.

When you use Apple Cash – including when you add money or transfer money to a bank account – our partner bank, Apple, and Apple Payments Inc. may use and store information about you, your device and your account to process the transaction, for troubleshooting, to help prevent fraud and to comply with financial regulations. Apple may provide Apple Payments Inc. with approximate use patterns from your device about how frequently you communicate with that person by phone, email or in Messages. The content of your communication isn’t collected. This information is stored for a limited time, and in such a way that it is not linked to you unless the associated transaction is determined to require further analysis due to suspicious activity.

More information about using Apple Pay with your travel card

If you designate a travel card that you've added to Apple Pay as an Express Travel card, you can pay and travel without having to use Face ID, Touch ID or a passcode first. You can manage Express Transit on your iPhone in Settings > Wallet & Apple Pay, and on your Apple Watch via the Apple Watch app.

You can temporarily suspend travel cards by using Find My to place your device into Lost Mode. Or you can remove travel cards by erasing your device remotely using Find My or by removing all cards from your Apple ID account page . Travel cards can't be removed or suspended if your device is offline.

Find out more

You can see more details about Apple Pay and privacy directly on your device. Go to Wallet & Apple Pay in Settings on your iOS device and tap "See how your data is managed". On your Mac, go to Wallet & Apple Pay in System Settings and click Apple Pay & Privacy.

You can learn even more about how Apple protects your data and personal information by reviewing the Apple Platform Security Guide and Apple privacy policy .

Contact Apple Support

Need more help? Save time by starting your support request online and we'll connect you to an expert.

You are here

Travel money card faqs.

Have a question about buying a Currency Pass, or potentially you need help with your existing card? Either way, you've come to the right place! To save you scrolling, below is our top 6 types of FAQ. If your question isn't answered here, it may be further down this page.

MIC_TMG_TMOZ_FAQ-TILES_Loading-and-Accessing-Money.jpg

MIC_TMG_TMOZ_FAQ-TILES_Login-Password.jpg

MIC_TMG_TMOZ_FAQ-TILES_PIN-CODE.jpg

MIC_TMG_TMOZ_FAQ-TILES_ATM.jpg

MIC_TMG_TMOZ_FAQ-TILES_Lost-Stolen-Card.jpg

MIC_TMG_TMOZ_FAQ-TILES_Cash-Out.jpg

• What is Currency Pass?
• Who is behind Currency Pass?
• How safe is my information & funds?
• How do I change my account details?
• Do I have to be online to use Currency Pass?
• How does a Currency Pass work?
• Is the Currency Pass a credit or debit card?
• Where can I use the Currency Pass?

Currency Pass is our travel money card, and your answer to travelling safely and securely! With Currency Pass you can load up to 10 x currencies on your card, lock in your exchange rate and use it wherever Mastercard is accepted, including at ATMs. Find out more here .

Our Currency Pass is supported by Mastercard which means you can use it anywhere Mastercard is accepted, including at ATMs globally.

Safety and security is important to us. With Currency Pass, none of your personal information is stored on the card, unlike a credit card which is connected to your financial institution. Your transactions are managed by Mastercard but funds are underwritten by EML Payment Solutions Limited ('EML') ABN 30 131 436 532 , AFSL 404131. In the unlikely event that you misplace your card, you can suspend the card by giving us a call on +61 (2) 8974 0856. We can make arrangements to transfer you money via Western Union. Additionally, as the card isn't linked to your financial institution, you can rest assure that if someone has it, they can't access your accounts back home.

Easy - login to my.travelmoneyoz.com and from here, click on Account Details in the menu bar. From here, you're able to edit your email address, phone number and address. For help with changing anything us, give us a call on 13 61 95, or +61 (2) 8974 0856 from overseas.

No, Currency Pass works just like your every day debit card. You can simply tap and go for every day purchases or withdraw funds from an ATM. The only time you really need to be online is if you want to manage your funds via our easy to use app or website.

Currency Pass works just like your every day debit cards. You can use it for tap and go purchases, paywave and online shopping. But we've made it just a little bit better by being able to load up to 10 different currencies so that when you're travelling you can spend the local currency and always know how much it's costing you.

Travel Money Oz Currency Pass is a debit card. You can only spend the funds that are loaded onto the card. The best part is, you won't get caught out with hefty credit card fees and interest. You're only spending your money.

We're pretty confident we have most destinations covered however Iran, North Korea, Sudan, Syria and Crimea, Donetsk and Luhansk regions are affected by sanctions, which means that your Currency Card will be declined if you try to use it in these countries. Additionally, all Mastercards will not work at Russian merchants or ATMs. The list of countries in which the Currency Card does not work will be updated from time to time, so please check back here before travelling.

• How do I get a Currency Pass?
• How much will a card cost me to purchase?
• Can you buy a Currency Pass if you're under 18?
• Can I get a second card?
• What do I do if I can't buy a Currency Pass online?

Getting a Currency Pass is easy. You can order a card online via our website (this will take up to 14 business days to receive in the mail) or simply visit one of our stores to take one away immediately.

Our Currency Pass is free to buy - just make sure it's loaded with minimum $20 to get started. We don't charge any fees for issuing and loading your card in store either. (Although, merchant fees will apply if you are using a credit card to load funds). More info on fees and limits can be found here.

Yes, you can get a Currency Card if you are under 18. You will however, need to complete your identity verification in person at your nearest Travel Money Oz store. Only Australian Passport or Drivers License will be accepted as valid ID.

Unfortunately we can only give 1 x card per Currency Pass account.

To buy a Currency Pass online, you must verify your identity against several government sources (100point ID check). If your identification doesn't meet the online requirements, you still may be able to buy a Currency Pass in store if you're an Australian resident. Simply bring in a valid photographic Australian Passport, or Australian state driving license and we can set you up on the spot.

TOP TIPS WHEN USING YOUR CARD

• How do I use my Currency Pass overseas?
• What do I do if an overseas vendor asks if I want to pay in AUD?

Always select credit when making a transaction (including at ATMs!) and if given the option, pay in the local currency of the destination vs AUD, providing it's loaded on your card. This avoids you paying extra conversion fees (this is often called Dynamic Currency Conversion).

We recommend always paying in the local currency if it’s loaded on your Currency Pass (local currency of the destination). In some situations, ATMs and retailers may offer ‘Dynamic Currency Conversion’ (payment in your home currency). This however, simply allows them to dictate their own exchange rate and may result in you being charged fees associated with a foreign transaction. Spending in the local currencies means you always know what you're paying and have greater control over your funds.

REGISTERING

• How do I register online?
• What do I do if I'm unable to register my account?

Follow these steps...

• Go to the register page.
• Enter your details into the registration form and press next.
• Create your password and security questions.

Give us a call on 13 61 95, or if calling from overseas +61 (2) 8974 0856 and we'll give you a hand.

• How do I activate my card?

Just like your regular bank cards, for security reasons Currency Cards need to be activated once you've received it. To do this, follow the below prompts...

Call Mastercrd on 1800 098 231 or on +61 (2) 8974 0856 from outside of Australia

Press 1 to hear the card services line in English

Press 4 for Card activation or PIN Assistance

Follow the prompts and enter your card details

Your card is now active, continue to listen and follow the call options to hear your new PIN number

LOGIN/PASSWORD

• How do I log in to the portal?
• Who do I contact if I'm locked out of my Currency Pass account?

Easy - go to the login page and enter in your email and password. If this isn't proving to be easy, and you're having a bit of trouble, give us a call on 136195 (or +61 (2) 8974 0856 if you're overseas).

No stress - head to my.travelmoneyoz.com and select 'I have forgotten my password' to reset your account. If you're still having trouble, give us a call on 13 61 95, or if calling overseas +61 (2) 8974 0856

• How do I reveal my PIN?
• How do I change my PIN?

You've got 2 x options..

1. By phone - Give us a call on 136 195, or if calling from overseas +61 (2) 8974 0856. From here, press 11 to hear the card services line in English and then press 2 for Card Activation or PIN Assistance. Follow the prompts and enter you card details to hear your current card balance.

2. Reveal via desktop (note this won't work as well on mobile!) - Log into the my.travelmoneyoz.com portal. Click on the Currency Card link at the top of the screen. Reveal PIN is the 5th option.

You can change your PIN number at select RediATM's... but, not all RediATM's support this, so to save you time and effort - log into the Currency Pass portal, click on Currency Card and through to Change my PIN, you'll see the ATM finder where you can type in your suburb or postcode to find your nearest RediATM.

LOADING & ACCESSING MONEY

• How can I load my card?
• What currencies can I load?
• What is this SMS I need to get to reload?
• I'm get an error message when I try to reload, what should I do?
• How do I change my card's default currency?
• What is the maximum/minimum amount I can load on my card?
• How long does it take for funds to be loaded onto my card?
• What happens if I run out of funds in one currency, but have other currencies available?
• How do I transfer between currencies?
• How much will it cost for me to reload my card?

You have a few options. You can load money onto your card using the Travel Money Oz app, or by logging into your account on our website - from here, you can load via Debit or Credit Card (including using Google or Apple Pay), or via Bank Transfer (using Poli for secure and instant bank transfers), or you can load your Currency Pass in any of our stores nationwide. You can also reload your card with BPAY at any time from your online banking account (2-3 days for BPAY transfers to appear).

Up to 10! They include... USD, EUR, GBP, NZD, CAD, HKD, JPY, SGD, THB and AUD.

If you're heading somewhere and their currency isn't one of the above, no stress - load in AUD (or any of the others) and withdraw the local currency from an ATM. Or swipe/tap as normal and it will convert as you go with each transaction.

We use extra authentication as a security measure when you reload funds. The SMS is sent from your bank, not us. If you can't receive the SMS, you'll need to contact your bank to update your details. As an alternative, try reloading using BPAY, however, if we're a new payee, it's possible your bank still may need to send a SMS.

Received an error during your reload? This means your card has not been loaded (even if you see the funds pending in your bank balance). Please contact us via [email protected] before you re-attempt your transaction.

To start, make sure you're logged into the Currency Pass portal then...

Select Currency Card in the top menu, and Currency Card Settings

Then click on the set default currency button

Once this change is made, any unquoted Bank transfer or BPAY loads will land in the default purse.

The minimum amount you can load is $20 (AUD) but who are you kidding, you'll be spending alot more than that on your holiday.

The maximum amount your can load onto your Currency Pass in one load is $10,000 (AUD). If you need more just speak to us in store.

How quickly do you need the money? Credit / debit card transfers are instantly available. Bank transfers will take 1 business day (Mon-Fri) and prior to 2pm AEST. BPAY will take a little longer, this is on average 3 business days. Alternatively, come and see us in store at one of our 140+ locations for more immediate assistance.

If a purchase cannot be completed because there are not enough funds in that currency on your card and you do have other currencies, the card will automatically convert other currencies to complete the purchase. The transaction will be split across 2 or more currencies and will appear that way on your statement. Read more about this in our PDS.

Log into your account by clicking on the login/register button at the top of the Travel Money Oz website. Once you're in, click on the Currency Card tab, and select Transfer between currencies. Select the currency you wish to transfer from, and to. From here you can enter the amount you wish to transfer. You will then see the amount of the new currency, along with the rate in which the transfer is completed. Don't forget to click "Confirm Transfer" to complete your transfer.

Please refer to our Fees for more information.

BALANCE & TRANSACTION HISTORY

• How do I check my balance?
• How do I check my transaction history?
• Can I use my card for a pre-authorisation?
• Why are there pending transactions?

You can check your balance by logging into my.travelmoneyoz.com or through our app. Your balance will be on the home page once you've logged in. Or, give us a call on 13 61 95 or +61 (2) 8974 0856 from overseas and you can hear it over the phone.

Should you need to take a peak at the shopping damage, you can view your full transaction history online at my.travelmoneyoz.com or via the Travel Money Oz app. Both of these options also allow you load additional funds and transfer money to other currencies.

If you’re using your Currency Pass for pre-authorisation for a bond payment with a merchant (i.e for a hotel, car hire or cruise), the pre-authorisation amount may not be released back onto your card for up to 30 days. If you pre-authorisation amount hasn't cleared within this period, give us a call on 13 61 95 or +61 (2) 8974 0856 from overseas.

Any pending transactions will update as the merchant settles them. Once this happens it will be reflected on your transaction history. Should you need to dispute a transaction please give us a call on 13 61 95, or +61 (2) 8974 0856 from overseas.

• Can I use my card at an ATM?
• Why are there extra ATM fees on my statement?

Make sure you're using an ATM that accepts Mastercard Always press "credit" If you've entered your PIN incorrectly more than 3 times, your card will be blocked as a security measure. If this happens please give us a call on 13 61 95 or +61 (2) 8974 0856 from overseas.

Every time you use an ATM, it's likely you'll be charged a standard ATM fee, with this, there may be additional charges from that ATM provider where you withdrew money. We've outlined this in our PDS so you're aware. The difference in fees may also be due to the transaction being made in your local currency, versus the currency of the country you're travelling in. We always recommend making purchases in the local currency where possible, and being aware of the ATM fees before you withdrawal cash as the more you use an ATM, the more fees you're likely to incur.

LOST OR STOLEN CARD

• I have lost my card, or it has been stolen, what do I do?
• How do I get a replacement card?

You have 2 x options here (please promise us you'll action immediately!)

1. You can place a temporary block (or unblock) on your card when you're in your Currency Pass account.

2. Call us 24/7 on +61 (2) 8974 0856 and if your card is lost, we'll suspend it - and if it's stolen, we'll close it to prevent fraud. If you need emergency $$ you'll need to give us a call so we can check you're eligible and let you know where your nearest pick up location is

To order a replacement card, give us a call on 13 61 95 and we can sort you out with your 2.0 card! If you're having issues activitating your card, also give us a bell on the same number.

CANCELLED OR SUSPENDED CARD

• My card has been cancelled or suspended, what should I do?

Please give us a call on 13 61 95, or +61 (2) 8974 0856 from overseas.

• How do I cash out my remaining funds?

If you've returned home with leftover currency (well done, you!) you have a few options:

Your card is valid for 5 years, so you can hold onto it and use it again next trip. You can transfer any leftover funds to AUD and simply use the card for day to day transactions. You can have the balance transfered back into your Australian bank account. There's 2 x ways you can do this... 1. Online

Login to my.travelmoneyoz.com click on cash out to bank account. We'll need to confirm how much you want to cash out, your ID and your Australian bank details. You will also need to confirm your Mothers Maiden Name and DOB (this must be of the cardholder). This will take up to 5 x business days and you will be charged a $10 fee which will come out of your balance.

Give us a call on 13 61 95, or +61 (2) 8974 0856 from overseas. This will take up to 10 x business days and you will be charged a $10 fee which will come out of your balance.

MASTERCARD OVERSEAS CONTACT NUMBERS

• UK – 0800 056 0572
• USA/Canada – 1877 465 0085
• Japan – 00531 780 221
• Thailand – 001800 442 212
• New Zealand – 0800 444 691
• Hong Kong – 800 966 321
• South Korea – 00798 4434 1279
• Other countries – +44 207 649 9404

Bring on the benefits.

Daily cash that grows in a savings account. 1.

With Savings, you can choose to send your Daily Cash to a high-yield Savings account where it can earn 4.40% annual percentage yield (APY). 2 And because it’s all built into the Wallet app, it’s simple to get started. All it takes is a few steps to open an account and you're in.

Get started with savings

Just remember ⁠3, 2, and 1%.

No matter where you shop with Apple Card, you always get unlimited Daily Cash back. That's real cash 3 you get back every day. Use it right away 4 with Apple Pay, send it to a friend with Apple Cash, 5 or watch it grow in a high-yield Savings account. ⁠⁠⁠ ⁠⁠⁠Buy anything from Apple — including services like Apple Music or Apple TV, games and apps from the App Store, even in-app purchases — and enjoy 3% cash back.

cash back with Apple and select merchants when you use Apple Card with Apple Pay. 6

Get 3% back on everything you buy from Apple and at select merchants when you use Apple Card with Apple Pay.

cash back when you use Apple Pay.

Use Apple Pay wherever you see one of these symbols.

cash back when you use the titanium card or ⁠your virtual card number wherever ⁠⁠Mastercard is accepted.

Learn how to order your titanium card

Grow your Daily Cash in a Savings account. 1

Apple Card gives you up to 3% unlimited Daily Cash back on every purchase. That’s real cash you can use right away, to send to a friend or use wherever Apple Pay is accepted when you send Daily Cash to Apple Cash. ⁠⁠⁠⁠⁠⁠ ⁠⁠⁠⁠⁠⁠And with Savings, you can choose to send your Daily Cash into a high-yield Savings account where it can earn 4.40% annual percentage yield (APY). ⁠⁠⁠⁠⁠⁠ ⁠⁠⁠⁠⁠⁠Add money from your bank account to Savings at any time, directly in the Wallet app. If you need to move money out, withdrawals to Apple Cash are typically instant, and usually take 1-3 business days with other bank accounts. 7 No minimum deposits, fees, or balances required. 8 And, you’re covered by FDIC insurance. 9

Open a Savings account

Enroll in Savings

Healthy finances. ⁠Family style.

Share the benefits of Apple Card with anyone in your Family Sharing group — whether it’s a partner, a child, or someone else you trust. 10 It’s a great way for everyone on the account to work toward healthy finances together. ⁠⁠⁠⁠⁠ ⁠⁠⁠⁠⁠Add a Co-Owner 11 to build credit as equals 12 and manage the account together. You can also add kids and young adults as Participants. 13 And if a Participant is over 18, they can have the option to start building their own credit history. 14 Plus, everyone gets to enjoy their own unlimited Daily Cash back when they use Apple Card for their purchases. 15

Learn how to add someone to your Apple Card Family

Pay for new Apple products ⁠over time, interest-free. 16 ⁠

Apple Card Monthly Installments lets you buy new Apple products, like iPhone, Mac, iPad, and more, and pay them off with interest-free monthly payments. You get 3% Daily Cash back, all up front. Simply choose Apple Card Monthly Installments as your payment option when you make your purchase at an Apple Store, in the Apple Store app, or on apple.com.

Learn more about Apple Card Monthly Installments

Accepted globally, ⁠⁠⁠with no foreign transaction fees. 17

Because Apple Card is part of the Mastercard network, it's accepted anywhere in the world. Plus, you have access to Mastercard benefits, like identity theft protection. And because Apple Card is designed to have no fees at all, you won't get charged any foreign transaction fees.  

See all Mastercard benefits for Apple Card customers

The simplicity of Apple. In a credit card.

With Apple Card, we completely reinvented the credit card. Your information lives on your iPhone, beautifully laid out and easy to understand. We eliminated fees 1 and built tools to help you pay less interest, and you can apply in minutes to see if you are approved with no impact to your credit score. 2 Advanced technologies like Face ID, Touch ID, and Apple Pay give you an enhanced level of privacy and security. And with every purchase you get Daily Cash back that you can spend  3 or save. 4 Apple Card. It’s everything a credit card should be.

Created by Apple. Powered by iPhone.

Built for iphone.

Apple Card lives on your iPhone, in the Wallet app. You can sign up in as little as a minute and start using it right away with Apple Pay. 5 Your transactions, payments, and account details are all in one place, where only you can see them. 6 You even make your payments right in the Wallet app — just select your amount, tap, and it’s done.

We want to make it easier to pay down your balance, not harder. So Apple Card doesn’t have any fees. No annual, over-the-limit, foreign-transaction, or late fees. 7 No fees. Really. Because your credit card should work for you, not against you.

The first credit card that actually encourages you to pay less interest.

Pay less interest.

Most credit cards emphasize your minimum amount due. But when you pay only your minimum each month, it costs you a lot in interest over time. Apple Card is different. When you’re ready to make a payment, Apple Card estimates the interest you’ll wind up paying, based on any payment amount you choose. 8 And it does that in real time, so you can make an informed decision about how much of your balance to pay down.

Unlimited Daily Cash back.

Real cash you can use right away.

Unlimited Daily Cash

When you buy something using Apple Card, you get a percentage of your purchase back in Daily Cash — not a month from now, but every day. It’s real cash, so unlike rewards, it never expires or loses its value. You can choose to have it automatically deposited onto your Apple Cash card in the Wallet app, and it’s ready to send or spend however you’d like. 9 Or you can open a Savings account with Apple Card and route your Daily Cash directly into the account, where it can earn interest. And there’s no limit to how much Daily Cash you can get. Use it to buy things in stores, on websites, and in apps. Make a payment on your Apple Card. Pay back a friend. Or save it up and watch it grow over time.

Get 3% Daily Cash back at Apple. And at select merchants when you use Apple Pay.

3% daily cash.

Apple Card gives you unlimited 3% Daily Cash back on everything you buy at Apple — whether it’s a new Mac, an iPhone case, games from the App Store, or even a service like Apple Music or Apple TV+. You also get 3% Daily Cash back on purchases you make at select merchants when you use Apple Card with Apple Pay. ◊◊

• Ace Hardware
• Duane Reade
• Panera Bread

Get 2% Daily Cash back when you use Apple Card with Apple Pay.

2% daily cash.

The best way to use Apple Card is with Apple Pay — the secure payment technology built into iPhone, Apple Watch, iPad, and Mac and accepted at 85 percent of merchants in the United States. Apple Pay is a safer way to pay that helps you avoid touching buttons or exchanging cash. And with every purchase you make using your Apple Card with Apple Pay, you get 2% Daily Cash back. No points to calculate. No limits or deadlines. Just real cash you can spend, send, or save and grow over time.

Just look for or when you check out.

Grow your Daily Cash over time.

Automatically save it and earn interest. 4

Save and Earn Interest

With Savings, you can choose to grow your Daily Cash in a high-yield savings account. It takes just a few steps to set up your account and start saving. Your Daily Cash is deposited automatically. Your account information lives right in Wallet. And you can even add funds from Apple Cash and other bank accounts to build your savings more quickly. 10

Apple Card Family

Healthy finances. family style..

Apple Card Family brings all the great features and benefits of Apple Card to your entire family — whether that’s your immediate family, extended family, or whoever you call family. 11 It allows two partners to merge credit lines 12 to form a single co-owned account, 13 manage that account together, and build credit as equals. 14 Participants 15 18 and older can choose to start building their own credit history, 16 and teens can learn better spending habits. And, family members receive Daily Cash back on their own purchases. 17

Goodbye, plastic. Hello, titanium.

Titanium card.

With laser etching and clean styling, Apple Card is designed with the same craftsmanship we bring to all our products. And it’s the only credit card made of titanium — a sustainable metal known for its beauty and durability. When you use the card, you’ll get 1% Daily Cash back on every purchase. Since Mastercard is our global payment network, you can use it all over the world. For apps and websites that don’t take Apple Pay yet, just enter the virtual card number stored securely in your Wallet app. And when you’re using Safari, it even autofills for you.

Privacy and Security

Your business.

Apple takes your privacy and security seriously. It’s not just a philosophy, it’s built into all our products. And Apple Card is no different. With advanced security technologies like Face ID, Touch ID, and unique transaction codes, Apple Card with Apple Pay is designed to make sure you’re the only one who can use it. The titanium card has no visible numbers. Not on the front. Not on the back. Which gives you an enhanced level of security. And your data isn’t sold to third parties for marketing or advertising.

Pay for your new Apple products over time, interest‑free

when you choose to check out with Apple Card Monthly Installments. 18

Apple Card Monthly Installments

You can buy a new Mac, iPhone, iPad, Apple Watch, and more with interest-free monthly payments on purchases at Apple. Just choose Apple Card Monthly Installments and then check out. Your installment automatically appears on your Apple Card statement alongside your everyday Apple Card purchases in the Wallet app. If you have an eligible device to trade in, you’ll pay even less per month. 19 And you’ll get 3% Daily Cash back on the purchase price of each product, all up front. If you have Apple Card already, there’s no additional application. If you don’t, you can apply in as little as a minute during checkout, from the privacy of your iPhone.

Tools to help you make financially healthy choices.

Financial health.

To see how much you’re spending or saving, there’s no need to log in to a separate website or app. Your spending totals are automatically added up in the Wallet app, ready to view by week or by month. Color-coded categories make it easy to spot trends in your spending so you can decide if you want to change them. And Apple Card uses Maps to pinpoint where you bought something. 20 No mysterious merchant codes. No guessing. If you choose to route your Daily Cash to Savings, you have anytime access to your account details and the interest you’ve received. You can even transfer money in and out at any time.

Trusted partners for a different kind of credit card.

Partnerships.

To create Apple Card, we needed an issuing bank and a global payment network. Apple Card is the first consumer credit card Goldman Sachs has issued, and they were open to doing things in a new way. And the strength of the Mastercard network means Apple Card is accepted all over the world.

Get started with Apple Card.

Apply in minutes to see if you are approved with no impact to your credit score. *

More for your finances.

Carry one thing. Everything.

Pay the Apple way.

Send it. Spend it. Stash it.

Qantas Premier Credit Card

Who is the credit provider and issuer of Qantas Premier credit cards?

Why choose a Qantas Premier credit card?

How long does the application process take?

Can I transfer a balance from another credit card?

Who can apply for a Qantas Premier credit card?

Can I add an additional cardholder?

What’s the difference between the Qantas Premier Everyday, the Qantas Premier Platinum and the Qantas Premier Titanium card?

Can I have a Qantas Premier Platinum, Qantas Premier Titanium and Qantas Premier Everyday card?

How do I apply for a Qantas Premier credit card?

How do I remove an additional cardholder from my account?

How do I reduce the size of an image I need to upload?

Change my product

Can I still spend on my current credit card whilst my new one arrives?

Am I eligible for any sign up bonus Qantas Points when changing Qantas Premier credit cards?

What happens to any additional cardholders that are currently on my credit card?

How long will it take for a change of Qantas Premier credit card to be processed?

What will happen to any periodic payments I have set up on my card?

What will happen to the annual fees when my product change is approved?

What happens to the benefits on my card?

How can I change my Qantas Premier credit card account?

What happens to the statements from my old credit card?

Features and rewards

What travel insurance cover is included with my card?

What is ‘Get away interest free for 6 months’?

When will I receive my Lounge Invitations?

How many Qantas Premier Titanium flights discounts do I get a year?

Where can I use my Qantas Premier credit card?

Do bonus Status Credits expire?

How can I book a flight to earn bonus Status Credits?

How do I link my Lounge Invitations to a flight?

How many Qantas Points will I earn on purchases?

When will I receive my bonus Qantas Points?

What services are provided by the Qantas Premier Concierge?

How can I view the bonus Status Credits I’ve earned on my account?

Is there an interest-free period on my account?

What extended level of coverage does my Qantas Premier Titanium credit card provide?

If I cancel my booking, am I eligible for another Qantas Premier Titanium flight discount this year?

How do I make a travel insurance claim?

How can I use my Qantas Premier Titanium metal card for contactless payments?

What flights are eligible to earn bonus Status Credits?

Can I earn bonus Status Credits on Classic Reward bookings?

Which transactions will earn Qantas Points?

Can I use Points Plus Pay to book my flights and earn bonus Status Credits?

Do bonus Status Credits count towards Lifetime Membership tiers?

How long are my Lounge Invitations active for?

How do I claim any missing bonus Status Credits?

Can bonus Status Credit help me acquire or maintain Platinum One membership status?

How can I change my booking made using my Qantas Premier Titanium flight discount?

How do I order from Qantas Wine?

How do I sign up for my complimentary Qantas Wine Premium Membership from my Qantas Premier Titanium credit card?

How do I book discounted companion fares?

Can I book a multi-city flight using my Qantas Premier Titanium flight discount?

Where can I redeem my Lounge Invitations?

Can I share my Lounge Invitations with a person I’m travelling with?

How do I book a flight with my Qantas Premier Titanium flight discount?

My flight was cancelled, and I was moved to another flight, how do I claim my missing bonus Status Credits?

Complimentary Travel Insurance

Personal Baggage, Valuables, Money and Travel Documents

Trip Cancellation and Amendment

Pre-existing Medical Conditions

Other Questions

Eligibility for Cover under the policy

Overseas Medical Expenses

Rates and fees

What interest rates apply?

What fees apply and when are they charged?

Balance Transfers

How can I get the most out of my Balance Transfer?

If I have Balance Transfers at different rates, which one does my credit card payments get applied to first?

What is a Balance Transfer?

What are the benefits of closing my other credit cards after a Balance Transfer?

How does a Balance Transfer work?

How does a Balance Transfer affect the interest charged on my account?

Managing your account

How do I report suspicious transactions?

How do I activate my card?

How can I pay bills with my card?

How do I decrease my credit limit?

How do I increase my credit limit?

How can I unsubscribe from marketing emails?

What should I do if my card is lost or stolen?

Why do I need to enter a password to access certain features?

How are my monthly repayments calculated?

How can I withdraw cash from my account?

Can I choose my own card PIN?

What format is the transactions file in?

How can I pay my credit card bill?

Where can I find my statements?

How can I manage my Qantas Premier account?

Will my replacement card have the same card number and PIN number?

How do I close my account?

How do I update my address or personal details?

How far back can I download my transactions?

How do I download my transactions?

How do I dispute a charge on my Premier credit card?

How are payments allocated if I have additional cardholders?

Cancelling a recurring payment

What is Apple Pay?

How does the Apple Pay experience compare to using my plastic card?

Which Qantas Premier products can be used with Apple Pay?

What do I need before I can start using Apple Pay?

Which devices are compatible with Apple Pay?

How do I set up my Qantas Premier card on Apple Pay?

How do I set my Qantas Premier card as the default card in Apple Pay?

Can I add the same card to more than one device using Apple Pay?

How do I remove my card from Apple Pay?

The card image I see in Apple Pay does not match my physical card. Is there an issue with my Apple Pay set up?

Can I add more than one card on Apple Pay?

Where can I use Apple Pay?

How do I make an in-store purchase with Apple Pay?

Do I need to have an active internet connection for Apple Pay to work?

Will I need to enter my card PIN?

Why was my request to add my card to Apple Pay declined?

How much of my credit card available limit can I access when using Apple Pay?

How can I reverse a transaction made using Apple Pay?

How do I return a purchase if I used Apple Pay to make the payment?

How can I keep track of purchases I’ve made with Apple Pay?

How do I dispute a purchase made with Apple Pay?

Can I use Apple Pay overseas?

Can I use Apple Pay at ATMs?

Is Apple Pay secure?

What is a Device Account Number?

What should I do if my device is lost or stolen?

Does Apple Pay have access to my credit card account?

If my device is formatted or jailbroken, will my Apple Pay information remain on it?

Will I continue to enjoy the features and benefits of my Qantas Premier credit card, including points earn, when I use it for payment with Apple Pay?

What should I do if I lose my card and I’m issued a replacement card?

What should I do if my card expires and I’m issued a renewed card?

Can I continue to use my physical card if I disable Apple Pay or remove my digital card from Apple Pay?

If I switch devices, do I need to set up my card in Apple Pay all over again?

If my device is formatted or jailbroken, will my Google Pay information remain on it?

What is Google Pay and Google Wallet?

Can I use Google Pay overseas?

Can I add more than one card to Google Wallet?

How do I make a purchase using my Qantas Premier Card in apps and websites?

How much of my credit card available limit can I access when using Google Pay?

How do I return a purchase if I used Google Pay to make the payment?

Can Additional Cardholders add their cards to Google Wallet?

Will I need to enter my card PIN with Google Pay?

How can I keep track of purchases I’ve made with Google Pay?

Can I add the same card to more than one device?

How do I remove my card from Google Wallet?

How do I make a purchase using my Qantas Premier card in-store?

Can I continue to use my physical card if I disable Google Pay or remove my digital card from Google Pay?

If I switch devices, do I need to set up my card in Google Pay again?

How do I reverse or dispute a Google Pay transaction?

Will I continue to enjoy the same features and benefits of my Qantas Premier credit card, including points earn, when I use it for payment with Google Pay?

Do I need to have an active internet connection for Google Pay to work?

Does Google Wallet or Google Pay have access to my credit card account?

What happens if there are fraudulent transactions made using Google Pay?

What should I do if I lose my card, or my card expires and I'm issued a replacement card?

What happens if my device is lost or stolen?

Why was my request to add my card to Google Wallet declined?

Whom can I talk to for further help with Google Pay?

Which Qantas Premier credit cards can be used with Google Pay?

How do I set my Qantas Premier Card as the default card in Google Wallet?

Where can I use Google Pay?

How do I set up Google Pay and add my Qantas Premier card?

Are Google Wallet and Google Pay secure?

Which devices are compatible with Google Pay?

Instalment Plans

Can I change the term of my Instalment Plan?

How will my repayments be applied to my card?

Can I have more than one Instalment Plan?

How do I make the monthly instalment repayment?

Who can create an Instalment Plan on my card?

Does an Instalment Plan earn Qantas Points?

What happens if I return a purchase that was converted into a Statement Instalment Plan?

How do instalment plan(s) appear on my statement?

How can I track my instalment plan?

Can I pay more than my monthly instalment amount?

Why am I not eligible for a Cash Instalment Plan?

Is the instalment plan amount part of my existing credit limit?

When will I be charged my first monthly instalment?

Can I pay off my instalment plan early?

Will I be able to set up a Statement Instalment Plan if I have a direct debit set up?

What is a Statement Instalment Plan?

Will an instalment plan affect my interest-free days on my purchases?

Is there a fee to set up an instalment plan?

What happens if I miss paying the initial interest charge or monthly instalment repayment by the Payment Due Date?

Open Banking

What is Open Banking?

What information can be shared with Accredited Data Recipients (ADRs)?

How does data sharing work?

Can any institution request access to my data?

Where can I find out more about the Consumer Data Right legislation?

Financial difficulty

What if I’m finding it hard to meet my Qantas Premier credit card repayments?

Loss of a loved one

How can I tell which emails are genuine?

What do I do if I receive a suspicious phone call?

How does Qantas Money protect my Qantas Premier account?

How does Qantas Money protect my financial data?

How can I protect myself online?

What are some scams I need to be aware of?

Customer Support and Complaints

Accessibility and Disability Support - Qantas Premier credit card

Managing your cash flow during COVID-19

Family and Domestic Violence

Coronavirus update

How do I lodge a complaint relating to my Qantas Premier Credit Card?

Qantas Travel Money Card

Changes to Qantas Travel Money

Why is Qantas Travel Money changing to Qantas Pay?

Does my existing Qantas Travel Money card still work?

How do I join and get a Qantas Pay card?

How do I access my Qantas Travel Money account after 21 May?

Will I still earn points with Qantas Pay?

Can I use my Qantas Travel Money card as my Qantas Frequent Flyer membership card?

Can I activate my Qantas Travel Money replacement card after 21 May?

Can I activate my Qantas Travel Money card for the first time after 21 May?

What is changing for the Qantas Frequent Flyer membership card?

How can I access my Qantas Frequent Flyer number?

How can I access and set my Qantas Pay card PIN?

Does Qantas Pay have a digital card?

What fees apply to Qantas Pay?

Can I schedule recurring currency loads from my nominated bank?

General information

Which currencies are available on Qantas Travel Money?

What is the Qantas Card and Qantas Travel Money all about?

Who's eligible for Qantas Travel Money?

Is Qantas Travel Money a credit card or a debit card?

Why does the Qantas Card have two sides?

Does this mean that Qantas is now also a bank?

What are the benefits of Qantas Travel Money?

Apply and activate

How do I apply for and activate Qantas Travel Money?

How do I enable the travel money facility on my Qantas Card?

How do I get the Qantas Card and Qantas Travel Money?

If I select to be verified against Illion (formerly Dun & Bradstreet) records will a credit check be conducted?

Can I apply for and activate Qantas Travel Money if I have a foreign passport?

How do I use Qantas Travel Money?

What if the details on the Qantas Travel Money identity verification form are incorrect?

What if I don’t have an Australian Passport or an Australian Driver’s Licence?

What do I do if I'm unable to activate Qantas Travel Money online?

What if I don't want to use Qantas Travel Money?

I’ve forgotten my Qantas Travel Money card PIN, how do I retrieve it?

What if my PIN is blocked at an ATM or in-store?

How do I get my card PIN?

Is my card PIN different to my Qantas Frequent Flyer PIN?

How do I change my PIN?

Rates, fees and limits

What exchange rate applies to Qantas Travel Money?

What fees apply to Qantas Travel Money?

What limits apply to Qantas Travel Money?

Do fees apply if I don’t have the local currency on my card?

What happens if I make a purchase in a foreign currency and I don’t have enough money in that currency on my card?

Can I arrange a back-up or secondary card?

How do I cash out remaining funds on the Qantas Travel Money card?

How do I transfer between currencies on the Qantas Travel Money card?

What is a pre-authorisation?

Does the card come with Mastercard Contactless?

Do I get a line of credit or overdraft with Qantas Travel Money?

I am a Qantas Club member and have a Qantas Club card. Do I need both cards?

How do I update my local time and time zone?

When to use

Where can I use Qantas Travel Money?

Can I use Qantas Travel Money if the local currency isn’t available?

Can Qantas Travel Money be used for Qantas in-flight duty free purchases?

Can I use Qantas Travel Money to pay for flights at qantas.com?

Using overseas

Is there anything I need to do before I go overseas?

Do I press Cheque, Savings or Credit when I make a purchase or withdraw cash using Qantas Travel Money?

Can I view my Qantas Travel Money balances at overseas ATMs?

What should I do with my card when I return from overseas?

What will happen if the local currency isn’t available to load on Qantas Travel Money?

I’d like to use Qantas Travel Money in the United States - will my card be accepted?

Should I pay in Australian dollars instead of the local currency when I’m overseas?

Are there any countries where the Qantas Travel Money Card won’t work?

Transactions

Why has a transaction declined when I have enough funds on the card to complete the purchase?

Why would an online transaction be declined if I have enough money to complete the purchase on the card?

Contact Information

Accessibility and Disability Support - Qantas Travel Money

What should I do if my card is lost, stolen or damaged?

How do I lodge a complaint relating to my Qantas Travel Money Card?

Qantas Money App

Understanding your PINs and Passwords

Can I use my fingerprint to log in?

The app doesn’t recognise my fingerprint

What if I’ve forgotten my passcode?

How do I log out?

Managing your finances

Why use the Qantas Money app?

Connecting accounts

How do I delete an account?

What does ‘pending’ mean?

I can’t see my transactions

I can’t find my bank in the list

Can I transfer money using the app?

Is it OK to enter my online banking login details?

How do I add a new account with a connected financial institution?

What type of accounts can I connect?

Why is the transaction date different to the date I made the transaction?

When are my balances and transactions updated?

Transaction categories

How are my transactions categorised?

What happens to my categories if I delete an account?

Are my categories applied to past transactions?

Notifications

What are notifications?

What kind of notifications can I set up?

How do I receive notifications?

Is there a cost for receiving notifications?

How do I set up notifications?

Can I delete or change my notifications?

Will I receive notifications if I’m not connected to the internet (e.g. Wi-Fi, 4G, etc)?

Can I view notifications I’ve previously received?

Why do I need to turn on my App Notifications settings?

Why can I see a notification in my notification history that I didn’t receive?

I’ve received a notification, but can’t see it in my history?

Can I set my own Travel Money low balance alert amount?

Why can’t I find notifications in the app?

How can I make sure that I get access to all available notifications?

What happens when new types of notifications become available?

Contact details

How do I update my contact details?

What if I notice a suspicious transaction?

Qantas Points

Missing Qantas Points?

How can I use my Qantas Points?

How do I view my Qantas Points balance?

Card Offers

Card Linking

Can I link an additional card to Card Offers?

Can I use any card that I have added to my Qantas Money App for Card offers?

Can I link another card in addition to my Qantas Premier Card?

Can I link and earn points with a debit Mastercard® or Visa® card?

Why can't I see my Card Offers on the Qantas Money website?

Why am I not receiving any/many offers?

How long will my offers be valid for?

What are the terms and conditions of the offers?

Why am I receiving offers that don't seem well matched to me?

Can I share an offer with my partner/friend etc?

Why did my friend get an offer for a specific store and I did not?

Are offers applicable to both purchases in-store and online?

What retailers are included in the program?

Earning bonus Qantas Points

Why does it take up to 15 days to receive my points?

How can I check if I have successfully earned points on an offer?

Missing Points

How do I follow up on missing points from Card Offers?

What if I forget to use my linked card, can I still earn the points?

How can I opt out of Card Offers?

All Categories ​>​ ​Qantas Travel Money Card

General information regarding your Qantas Travel Money card.

Applying for Qantas Travel Money

Information about your Travel Money Card PIN

Information regarding rates, fees and limits for Qantas Travel Money.

Information in relation to managing your Qantas Travel Money account.

Information to let you know when to use your Qantas Travel Money card.

Information on how to use your Travel Money card overseas.

Information relating to making transactions on your Qantas Travel Money card.

Powered by HelpDocs (opens in a new tab)

Hays Travel Money Card

The Hays Travel Mastercard® is free to use in millions of locations worldwide where Mastercard® Prepaid is accepted when you spend in a currency loaded on the card: including restaurants, bars, and shops. This easy-to-use pre-paid card allows contactless transactions, chip and PIN, worldwide cash withdrawals, and also 24/7 phone support. Take your currency card with you on every holiday, simply top up and go! Just call into your local Hays Travel branch today to purchase your Hays Travel Prepaid Travel Money Card. *The Hays Travel Mastercard is only available to UK residents aged 18 or over. A valid Passport or Drivers Licence must be presented in the branch at the time of purchase.

BUY YOUR HAYS TRAVEL MASTERCARD

The Hays Travel Money Card is the safe and easy way to take your money on holiday!

• BUY IN BRANCH

Connect to your google pay wallet

You can now link your Hays Travel Mastercard with Google Pay for swift and secure transactions wherever you go. Say goodbye to carrying physical cards and hello to effortless payments with just a tap of your phone. Simplify your travel experience today!

The Hays Travel Currency Card app

The Hays Travel Currency Card App enables you to fully manage your travel card account and stay in control of your holiday finances at home and abroad. The app enables you to:

• Instantly top up multiple different currencies from anywhere in the world
• Check your real time balance
• Lock-in exchange rates when you top up and transfer money between currencies
• Keep track of your spending and view transactions
• Freeze/Unfreeze your card
• Check your card PIN
• Manage your personal details

Download our app here

Manage the card on the go via Hays Travel Currency Card App

My Account Portal

Available currencies.

• British Pounds
• Australian Dollar
• Canadian Dollar
• Czech Koruna
• Japanese Yen
• Mexican Peso
• New Zealand Dollar
• Polish Zloty
• Swedish Krona
• South African Rand
• Swiss Franc
• Turkish Lira

Useful links

• Card Services Support Numbers
• Terms and Conditions

• Services & Software

iOS 17.4: View Your Apple Cash's Virtual Card Numbers in 4 Easy Steps

With these numbers, you can use your Apple Cash online where Apple Pay isn't accepted.

• Apple software beta tester, "Helps make our computers and phones work!" - Zach's grandparents

When Apple released iOS 17.4 on March 5, the update introduced a few bug fixes and a host of new features to your  iPhone , including more Stolen Device Protection settings and transcripts in Podcasts . And one of those new features is virtual card numbers for Apple Cash , allowing you to use Apple Pay in more places online.

According to Apple , Apple Cash is a digital card in your iPhone's Wallet app that can be used to buy items in physical and digital storefronts as well as in apps that accept Apple Pay. But now with iOS 17.4, you can generate virtual card numbers to use at digital storefronts that don't accept Apple Pay. However, it's important to note that Apple Cash doesn't support some merchant categories, such as cashlike transactions.

Here's how to view and use your Apple Cash virtual card numbers .

Read more: You Should Download iOS 17.4.1 Now

How to set up and view your virtual card number

If you haven't set up your Apple Cash card , here's how to do that. If you've already set up an Apple Cash card, you can skip past these instructions.

1. Open your Wallet app. 2. Tap your Apple Cash card near the bottom of your screen. 3. Tap Set Up Now under Set Up Apple Cash . 4. Follow the on-screen prompts and your Apple Cash card will be available in no time.

Once you've set up your Apple Cash card, you'll have a card number, expiration date and security code for your card, like you'd have on a physical credit or debit card. Here's how to view your virtual card numbers. 

1. Open Wallet .  2. Tap your Apple Cash card. 3. Tap the three dots ( ... ) in the top right corner of your screen. 4. Tap Card Number .

Now that you've got a new virtual card number for your Apple Cash, your iPhone's Safari app can autofill your card information if you make a purchase on your phone. You can also manually enter your card's information on other devices or in other browsers to make purchases, too. 

And if you think your current card number has been compromised, you can easily request a new virtual card number. Follow the steps above, tap Request New Card Number , then tap Request again and you'll immediately be given new virtual card numbers -- no waiting for your bank to send you a new card.

For more on iOS 17, here are all the features your iPhone could get with iOS 17.5 and what was included with iOS 17.4 . You can also check out our iOS 17 cheat sheet .

Services and Software Guides

• Best iPhone VPN
• Best Free VPN
• Best Android VPN
• Best Mac VPN
• Best Mobile VPN
• Best VPN for Firestick
• Best VPN for Windows
• Fastest VPN
• Best Cheap VPN
• Best Password Manager
• Best Antivirus
• Best Identity Theft Protection
• Best LastPass Alternative
• Best Live TV Streaming Service
• Best Streaming Service
• Best Free TV Streaming Service
• Best Music Streaming Services
• Best Web Hosting
• Best Minecraft Server Hosting
• Best Website Builder
• Best Dating Sites
• Best Language Learning Apps
• Best Weather App
• Best Stargazing Apps
• Best Cloud Storage
• Best Resume Writing Services
• New Coverage on Operating Systems
• Hostinger Coupon Codes
• HR&R Block Coupons
• ShutterStock Coupon Codes
• FedEx Office Coupons
• Coursera Coupons
• Autodesk Coupons
• Codeacademy Coupon Codes
• iolo Techologies Coupons
• Norton Coupon Codes

• a. Send us an email
• b. Anonymous form
• Buyer's Guide
• Upcoming Products
• Tips / Contact Us
• Podcast Instagram Facebook Twitter Mastodon YouTube Notifications RSS Newsletter

Apple Card and These Six Other iOS Features Available in the U.S. Only

While most iOS features are available internationally, some remain exclusive to the U.S., such as the Apple Card, Apple Card Savings, Apple Cash, Apple Pay Later, Wallet IDs, Roadside Assistance via Satellite, and Clean Energy Charging.

Apple Card's financial partner in the U.S. is currently Goldman Sachs, but it was reported that the partnership will be ending as early as this year .

While there have been clues that the Apple Card might expand to additional countries in the future, such as an Apple Card trademark filing in Canada , Apple has not confirmed any immediate plans to launch the card internationally.

Apple Card Savings

Given the Apple Card is available in the U.S. only, so too is the savings account.

Apple Cash remains available in the U.S. only, and despite clues like a trademark filing in Canada , it is unclear if the feature will expand to other countries.

Apple Pay Later

Like the other financial features on this list, it is unclear if or when Apple Pay Later will expand to other countries.

Apple said it was working to offer the ID feature across the U.S. in the future, but the company has yet to announce any specific plans or a timeframe, and it has not indicated if the feature will ever launch in other countries.

Roadside Assistance via Satellite

Apple said the feature is available "beginning" in the U.S., so it will likely expand to some additional countries in the future.

Clean Energy Charging

Clean Energy Charging is available in the U.S. only, and Apple has not indicated if or when it will be expanded to additional countries.

Get weekly top MacRumors stories in your inbox.

Popular Stories

Delta Game Emulator Now Available From App Store on iPhone

All iPhone 16 Models to Feature Action Button, But Usefulness Debated

PlayStation, GameCube, Wii, and SEGA Emulator for iPhone and Apple TV Coming to App Store

Hands-On With the New App Store Delta Game Emulator

NES Emulator for iPhone and iPad Now Available on App Store [Removed]

Next article.

Our comprehensive guide highlighting every major new addition in iOS 17, plus how-tos that walk you through using the new features.

App Store changes for the EU, new emoji, Podcasts transcripts, and more.

Get the most out your iPhone 15 with our complete guide to all the new features.

A deep dive into new features in macOS Sonoma, big and small.

Revamped models with OLED displays, M3 chip, and redesigned Magic Keyboard accessory.

Updated 10.9-inch model and new 12.9-inch model, M2 chip expected.

Apple's annual Worldwide Developers Conference will kick off with a keynote on June 10.

Expected to see new AI-focused features and more. Preview coming at WWDC in June with public release in September.

Other Stories

11 hours ago by MacRumors Staff

1 day ago by MacRumors Staff

2 days ago by MacRumors Staff

The Apple Card: Should You Get One?

The Apple Card delivers up to 3% cash back and other benefits to the Apple faithful.

• Newsletter sign up Newsletter

We may get compensation if you visit partner links on our site. We may not cover every available offer. Our relationship with advertisers may impact how an offer is presented on our website. However, our  selection of products  is made independently of our relationship with advertisers. 

The Apple Card is a sweet deal for the iPhone crowd, with some caveats. To get the greatest value from this credit card, you'll need to pair it with the wallet app called Apple Pay and an Apple device to make purchases, such as an Apple Watch , iPhone or iPad .

In exchange for your fealty to Apple, you get 3% cash back on purchases of Apple and select other products, 2% back on most purchases, and 1% back if you use your card alone, without using Apple Pay. 

Best of all? The cash back hits your Apple Cash account every day , unlike many cards that make you wait for your rewards until after you have paid your monthly bill. And by linking your Apple Cash wallet with a high-yield Apple Savings account, you can start saving your cash back seamlessly at a competitive interest rate.

Subscribe to Kiplinger’s Personal Finance

Be a smarter, better informed investor.

Sign up for Kiplinger’s Free E-Newsletters

Profit and prosper with the best of expert advice on investing, taxes, retirement, personal finance and more - straight to your e-mail.

Profit and prosper with the best of expert advice - straight to your e-mail.

Apple Card overview

This card is designed for fans of Apple products. When linked with Apple Pay, the card gets 3% cash back from Apple Store purchases, Uber and other merchants, 2% back at all other merchants that take Apple Pay and 1% back when using the card alone. Cash rewards are deposited daily in an Apple Cash or Apple Savings Account.

Apple Savings account rate : Recently 4.4% APY .

Annual fee : None.

Sign-up bonus : None.

Interest rates : Variable APR of 19.24% to 29.49%.

Pros and Cons

• Simplicity . With no points to track or travel miles to redeem, this card can save you time and brain cells.
• Encourages saving . Apple does a good job of helping you save money. When you elect to have cash back deposited in an Apple Savings account, your brain may be less likely to think of the cash as free money to spend. The Savings account recently had an interest rate of 4.4% APY. While there are better high-yield savings accounts available, paying over 5%, the rate is still well above the national average.
• No waiting for cash back . It's deposited every day into your Apple Cash or Apple Savings account.
• Rewards stacking . By combining your Apple Card with Apple Pay and the loyalty programs of participating merchants, you can score some great rewards. For example, get 3% cash back when you buy gas, car washes or convenience items at Exxon Mobil stations and earn Exxon Mobil Rewards+ points , which you can redeem against a future purchase. 
• No fees . No annual fee, late fee or foreign transaction fee.
• Monthly installments . With Apple Plan , you can pay over time at a low interest rate, or at 0% for Apple products.
• Happy customers .  The Apple Card won Best Co-Branded Credit Card for Customer Satisfaction with No Annual Fee in the J.D. Power 2023 U.S. Credit Card Satisfaction Study . And the Apple Cash payment app won first in its category in the 2023 Kiplinger Readers' Choice Awards .
• Security. The card and payment app are designed for enhanced security .
• Easy on the credit score . You can apply for the card and see your credit limit and interest rate without a hard pull on your credit. If you enroll, however, your credit score will be impacted, as is customary when applying for a card .
• No welcome or sign-up bonus. Some of the best credit card bonuses exceed $1,000 , and other 2% flat rate cash back cards like Apple Card offer $200 bonuses .
• No purchase protection . Unlike other credit cards, like those in the Visa Signature line, this card does not come with purchase protection (typically 90 to 120 days of insurance against theft or damage, depending on the card). That's a real consideration if you plan to buy a laptop or iPhone with your card for the 3% back rate. iPhones, for example, come with a 90-day warranty. After 90 days, you can buy   Apple Care insurance for up to $149 for two years of coverage. Credit cards like the Chase Freedom Flex, on the other hand, offer smartphone coverage up to $600 for free.
• Encourages spending. Yes, we just said that the card can help trick your brain into saving money, but it can also entice you to spend more. That's because people spend more money — almost 10% more on average — when using mobile payments than when paying a physical credit card. This type of "frictionless" payment is just so easy, you don't have as much time to pause and think about your spending.
• Not accepted everywhere . Although most merchants accept Apple Pay, currently, Walmart, Kroger, H-E-B and Sam's Club do not .
• Uncertain future banking partner . The Apple Card partners with Goldman Sachs , but that relationship will be unwound over the next year or so. It's unclear which financial institution will step in to sponsor the card, or if any rewards rates will change. 

Current 3% back partners

Here are the recent merchants that pay 3% back when you pay with your Apple Card with Apple Pay. Note that these partners may change.

Rewards cards dos and don'ts

As with any  rewards credit card , be sure to weigh these benefits against fees — although there are happily none in this case — and make sure you understand how to use the card effectively. 

In addition, while reward credit cards are great if you use them wisely,  always pay them off in full and on time each month  to avoid interest, which can dwarf any rewards you earn. Don't change your spending habits to earn extra points. That's a slippery slope that can lead to overspending.

If this is your first foray into credit cards, or you just want a refresher, make sure you know  how to choose a credit card . And ensure you are familiar with what counts as a  good credit score . 

• Credit Cards That Cover Rental Car Insurance
• Credit Card Bonuses up to $1,600 for New Cardholders
• Best Rewards Credit Cards
• 30 Best Apple Deals Dropping Right Now

As an independent publication dedicated to helping you make the most of your money, the article above is our view of the best deals and is not the opinion of any entity mentioned such as a card issuer, hotel, airline etc. Similarly, the content has not been reviewed or endorsed by any of those entities.

Ellen writes and edits personal finance stories, especially on credit cards and related products. She also covers the nexus between sustainability and personal finance. She was a manager and sustainability analyst at Calvert Investments for 15 years, focusing on climate change and consumer staples. She served on the sustainability councils of several Fortune 500 companies and led corporate engagements. Before joining Calvert, Ellen was a program officer for Winrock International, managing loans to alternative energy projects in Latin America. She earned a master’s from the U.C. Berkeley in international relations and Latin America. 

Eating well, exercising, getting plenty of sleep and managing chronic stress can help make you a SuperAger. Funding that long life requires longevity literacy.

By Phil Wright, Certified Fund Specialist Published 19 April 24

Disclaimers, good communication, post-marital agreements and more could help avoid conflict in a family after the owners of a wealthy estate pass away.

By John M. Goralka Published 19 April 24

• Contact Future's experts
• Terms and Conditions
• Privacy Policy
• Cookie Policy
• Advertise with us

Kiplinger is part of Future plc, an international media group and leading digital publisher. Visit our corporate site . © Future US, Inc. Full 7th Floor, 130 West 42nd Street, New York, NY 10036.

• Sustainability
• Small Business
• Mastercard launches mobile virtual card app to simplify travel and business expenses

HSBC and Westpac to unlock the convenience, security and efficiency of tap to pay transactions   

Mastercard announced a new mobile virtual card app that enables virtual commercial cards to be seamlessly added to digital wallets. The innovative app is designed to offer financial institutions more choice in how they deliver the secure and sustainable contactless payment solutions that companies increasingly expect.  

For over a decade, Mastercard has pioneered virtual card solutions to simplify tedious expense report and reconciliation processes for employees, contractors, recruits, and consultants who often use personal cards or cash for reimbursable business expenses. As companies navigate changing payment preferences particularly from the entry-level workforce – with over two-thirds of millennials having adopted digital wallets 1 – mobile technology is unlocking the next frontier of convenient contactless payments.   

“Businesses worldwide are seeking fast and secure payment experiences, where payments can be made with just a click or tap, and finance teams can experience automatic reconciliation,” said Chad Wallace, global head of Commercial Solutions, Mastercard. “With today’s launch, we’re providing innovative tech that digitizes business and travel expenses, while also empowering businesses with more control of and visibility into their finances.”  

The app leverages Mastercard’s innovative virtual card and tokenization platforms, enhanced data, and robust spend controls all within one easy-to-use interface. Accessing Mastercard mobile virtual cards is made seamless through the app so users can quickly experience the benefits of tap to pay. Mastercard mobile virtual cards can be used by organizations spanning a range of sizes and industries – including healthcare, insurance, fleet, higher education, and corporate travel.  

Key capabilities and benefits of Mastercard’s mobile virtual card app include:  

• Increased security : The app offers the ability to set up a biometric authentication and an added security measure using a PIN to view card details. Each virtual card is also tokenized, enabling the cardholder’s sensitive data to be replaced by a unique card number so sensitive account details are not exposed.  
• Robust spend controls: Organizations can confidently stay compliant with expense policies using Mastercard’s transaction-level controls, which limit how, where, and when a mobile virtual card can be used. 
• Flexible integrations: Financial institutions can quickly get to market through Mastercard’s user interface or flexible API-based integrations, and offer unique features such as customized card art.  
• Holistic and seamless payment experience: The app provides a single interface to check the status of card balances and view pending and completed transactions, and is bank-agnostic, enabling users to access and manage virtual commercial cards issued by multiple participating financial institutions.  
• Real-time and enhanced data: For each mobile virtual card created, custom data elements are automatically captured and matched to the transaction, providing organizations with increased insights into spending and automatic reconciliation to optimize back-office processes. 

HSBC Australia and Westpac will be the first financial institutions to offer organizations and corporate customers mobile wallet functionality through the Mastercard app.    

“We’re pleased to partner with Mastercard to bring mobile wallet virtual cards to our Australian corporate clients, providing them with a smarter, safer, and faster way to pay,” said John Scott, Head of Global Payments, HSBC Australia. “Mobile wallet usage is growing, with the Asia-Pacific region accounting for over half of the digital payment transactions globally 2 . As contactless payments continue to surge, it’s important that corporate clients have access to best-in-class payment solutions to keep their business secure and take advantage of the increased efficiency offered by the latest technologies. HSBC has a history of delivering innovative digital solutions to our corporate clients, and we’re proud to add to that legacy with the launch of mobile wallet virtual cards in Australia. We plan to launch in other markets later this year.” 

“Westpac is pleased to be one of the first domestic banks in Australia to offer the new Mastercard mobile virtual card app to our corporate and commercial customers in addition to our existing virtual card capabilities. The global payments market is at an inflection point and the mobile wallet solution, combining digital innovation, real time processing and security through robust controls is another way we’re helping our customers,” said Jeff Byrne, Managing Director of Global Transaction Services at Westpac Institutional Bank. 

The app will be available in other key markets for users with a commercial virtual card issued through an organization by a participating financial institution. Once registered for the app with an invitation code, users will find their commercial virtual cards automatically linked and ready to be added to select digital wallets for use across Mastercard’s trusted global network.  

For more information on other ways Mastercard is simplifying commercial payments, click here .  

1 PYMNTS Research: “Mobile Wallet Challenge: Replacing Physical With Digital,” (April 2023)  

2 “Global Mobile Payment Methods 2024 Report” (January 2024)  

Disclaimers:  

Mastercard In Control Pay app and features are available only for eligible virtual card accounts issued by the financial institution. Prepaid Cards and Consumer Cards are not eligible. The virtual card(s) are not issued by Mastercard and is (are) subject to the terms and conditions of the relevant issuer.  

Media Contacts

About Mastercard (NYSE: MA)

Mastercard is a global technology company in the payments industry. Our mission is to connect and power an inclusive, digital economy that benefits everyone, everywhere by making transactions safe, simple, smart and accessible. Using secure data and networks, partnerships and passion, our innovations and solutions help individuals, financial institutions, governments and businesses realize their greatest potential. With connections across more than 210 countries and territories, we are building a sustainable world that unlocks priceless possibilities for all.

www.mastercard.com

• Investor Relations

Mastercard Sites

• Mastercard.com
• Mastercard Brand Center
• Mastercard Data & Services
• Priceless.com