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Our fees and limits

FeesLimitsOther Cash Passport Product

Fee	Amount
Debit Card Load fee (including Initial Loads and Reloads) Additional to any other applicable fees	0.5% of the amount loaded, per Debit Card Load transaction
Administrative fee (in-store only) When you purchase your card and load or reload in-store, with the help of customer service representative	Up to the greater of 1% or $10 of load/reload amount
Domestic ATM fee Each time you withdraw cash from an ATM in NZ	$4*
International ATM withdrawal fee (outside NZ) Each time you withdraw cash from an ATM outside of NZ	Specific fees per currency apply – see PDS for more detail*
Currency Conversion Fee When you transact in a currency that is not loaded on your Card, or when there are insufficient funds in a currency and another available Currency/ies is used to fund the transaction.	5.95% of the transaction value.
New card (online via web)	FREE
Load/Reload (online using Bank Transfer or Bill Payment)	FREE
Additional card (back-up card at time of purchase) or Replacement card (lost or stolen	FREE
Cash out – (online only)	FREE
Domestic card to card (when you transfer money from/to another NZ Cash Passport)	FREE

*Some ATM operators may charge an additional withdrawal fee.

Please refer to the PDS for further information about fees applicable to the product

Limit	Amount
Maximum number of Cards you may hold in your name at any one time (not including any linked additional card that you may have purchased).	One
Maximum amount per load/reload	NZD$25,000 or currency equivalent
Maximum Bank Transfer or Bill Payment Reload amount per day	NZD$25,000
Maximum Debit Card Load amount in any 24 hour period	NZD$15,000
Maximum Debit Card Load amount in any 7 day period	NZD$30,000
Maximum Debit Card Load amount in any 30 day period	NZD$60,000
Maximum you can withdraw from ATMs in any 24-hour period (some ATM operators may set their own withdrawal limits which may be lower than this limit)	NZD$3,000 or currency equivalent
Maximum value of point of sale (POS) transactions performed in any 24-hour period	NZD $15,000 or currency equivalent
Maximum balance allowed at any one time across all currencies	NZD$75,000
Maximum amount you can load across all currencies during a 12-month period	NZD$75,000
Minimum amount per load/reload	NZD$250 or currency equivalent
Maximum cash you can withdraw over the counter at a financial institution in any 24- hour period (some financial institutions may set their own withdrawal limits which may be lower than this limit).	NZD$400 or equivalent
Domestic card to card Maximum amount you can transfer to another New Zealand Cash Passport holder in any 24 hour period	NZD$20,000 or currency equivalent

Cash Passport purchased before 14th August 2018

To view full fees and limits click here

The Multi-currency Cash Passport™ (“Cash Passport”) and Cash Passport™ Platinum Mastercard® (“Cash Passport Platinum”) are unsecured debt securities issued by EML Payment Solutions Limited (“Issuer”). Cash Passport and Cash Passport Platinum are not guaranteed by the Issuer or any other entity. Before you make a decision to acquire a Cash Passport or Cash Passport Platinum, we recommend you read the Product Disclosure Statement for the relevant Cash Passport facility which is available free of charge here

Mastercard® is a registered trademark, and the circles design is a trademark of Mastercard International Incorporated.

* The exchange rates set out in this website apply to reload transactions that are booked on this website only and that are settled within four hours. Subsequent card reloads will be processed at the then prevailing exchange rate on the day of the reload transaction, and will be locked in at that rate. You will be notified of the exchange rate applicable before you confirm your transaction using a particular reload method. When you book a transaction and load NZD or a foreign currency directly onto your card, you will receive the exchange rate notified to you in the "Today's Exchange Rate for Direct Currency Loads" table. Where you conduct a purse to purse transfer and transfer funds already loaded on your card into another currency, you will receive a different exchange rate than when loading funds directly onto your card. You will be notified of the applicable exchange rate before you confirm your purse to purse transaction which may be less favourable than the rate displayed in the "Today's exchange rate for Direct Currency Loads" table. We will provide you with settlement instructions at the time you book a reload transaction. Different exchange rates will apply to card loads and reload transactions in our partner locations or to reload transactions that are conducted directly via Bank Transfer or Bill Payment (i.e. without booking an online transaction). For more information on how we set exchange rates please see the Terms and Conditions.

Please refer to the important information page to view the Product Disclosure Statement, terms and conditions and privacy policy.

^ Some ATM operators may charge an additional withdrawal fee.

~ T&Cs apply. Customer must contact Customer service to report lost or stolen card. Emergency cash can be arranged up to the balance on your Cash Passport, subject to availability of funds at the approved agent location.

# Flight Delay Pass is provided to you on the basis you are not in breach of Cash Passport MasterCard® Product Disclosure Statement and Terms & Conditions and your card remains open. It must not be sold in any way and Mastercard reserves the right to cancel the pass that are in breach of this policy. Access may not be available if the applicable lounge is full or near capacity at the full discretion of lounge staff. Access and use of the lounges is subject to its own terms and conditions. Mastercard reserves its right to amend or withdraw the Flight Delay Pass at any time and where possible, provide prior notice to you. Visit here for Terms and Conditions

** Promotional rate available from 9:00am NZDT on 5th December 2023 to 11:59pm NZDT on 15th December 2023 (“Promotional Period”). The exchange rate for subsequent reloads after the Promotional Period will be set at the prevailing exchange rate at the time of the transaction. You must load directly into AUD online at cashpassport.co.nz or on the Cash Passport App to take advantage of the promotional rate. Currency transfers between purses and card-to-card transfers are excluded from the rate sale. Due to constant market and currency fluctuations, the promotional rates may be adjusted daily during the Promotional Period but will always be preferential to the standard rates which would have been offered for each respective day during the Promotional Period. The rates during the Promotional Period cannot be compared to another day’s rates. We may, in our sole discretion, cancel or vary the promotion at any time. If we cancel or vary the promotion, we are not liable to any person for any costs, loss or damage whatsoever arising out of, or in connection with, such cancellation or variation and are not required to conduct the promotion at any other time.

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