Common questions about Cash Passport

  • How does the Multi-Currency Cash Passport work?

    You can pay for goods and services online and in store, wherever MasterCard is accepted.

    You load your travel money onto it in advance in up to 9 different currencies, and then use it in millions of ATMs displaying the MasterCard® Acceptance Mark to access your money quickly and safely.

  • Can I use my Multi-Currency Cash Passport to buy online?


    You can use your Multi-currency Cash Passport to shop online (within the limits and restrictions of your card) at any merchant that accepts MasterCard. By using a Multi-currency Cash Passport loaded with the currency that the online site trades in, you know exactly what your purchase will cost and won't be stung by unknown exchange rates, as may happen if you used your domestic credit or debit card.

  • What currencies can I load onto my card?

    You can load up to 9 currencies on your card.

    The Multi-currency Cash Passport can be loaded up to 9 currencies, including AUD, USD, EUR, GBP, NZD, CAD, HKD, JPY, SGD. You can transfer money between Currencies at your convenience, 24 hours a day, 7 days a week via 'My Account'.

  • Will all shops accept the Multi-Currency Cash Passport?

    You will be able to use your card anywhere MasterCard is accepted.

    Your Multi-Currency Cash Passport should not be declined in any shops that accept MasterCard unless you don't have a sufficient balance. Please note that some restaurants and car hire companies require your card to have an available balance greater than the purchase amount before they will authorise payment.

  • Are there any countries this card won’t work in?

    Yes, details below.

    It is currently not possible to use your Cash Passport in a number of countries.If you attempt to withdraw cash from an ATM or use your Card at merchants in any of these countries, your request will be declined.

    The countries currently affected by sanctions are: Crimea, Iran, North Korea, Sudan and Syria

  • Can I use my Cash Passport on a Cruise Ship?

    Yes, but you have options

    Cruise ship companies may ‘pre-authorize’ an amount on your card to cover incidentals, similar to hotels. These pre-authorised funds can sometimes be held for up to 30days after the cruise has finished as security. Check with vendor before using your card as your founds could be held by these merchants.

  • What are Dynamic Currency Conversion payments?

    Dynamic currency conversion, often referred to as DCC

    Dynamic Currency Conversion (DCC) is an optional service that is sometimes offered by foreign retailers and ATM operators, giving cardholders the choice of paying in either the currency of the country they are visiting or their own domestic currency.

    If you make a purchase or ATM withdrawal in a country where the local currency is the same as a currency on your Multi-currency Cash Passport (e.g. using your US Dollar funds in the USA) and you opt in to a DCC service, this may result in a foreign exchange transaction at additional cost to you as the card will seek to transact in New Zealand Dollars.

    If you have funds loaded onto your Multi-currency Cash Passport in the currency of the country you are in, you should NOT opt in to DCC.

  • How do I know when my card has expired?

    Your Card Expiry Date is printed on the front of your card. You cannot use your card for purchases or cash withdrawals after it has expired. Please do not load funds onto an Expired Card.

  • What happens when my card expires?

    You will not be able to use your card, whether topping up your card or using your card in-store or at an ATM. Please contact card services 0800 444 691 to arrange replacement cards. You may also Cash Out by logging into My Account and follow the prompts and have funds transferred to a nominated bank account.

  • How do I Cash out online?

    1. Login to My Account

    2. Select Transfer money > Cash out to a bank account.

    3. Select all the currencies you would like to cash out.

    4. Enter the full amount you would like to cash out for each currency.

    5. Enter your bank account details: Account name, bank and branch code, account number and an account suffix will be required. Please check these details to ensure a successful cash out.

    6. Select complete Cash Out and you are done!

    Funds will arrive into your nominated bank account within 3-5 business days.

  • How do I arrange a replacement card?

    Please contact card services 0800 444 691 to arrange a replacement card and your positive balance will be transferred to your new cards. It can take up to 15 days for your new cards to arrive. 

  • How long are my new replacement cards valid for?

    Your new cards will be valid for up to 5 years.