Fees & limits

The following fees and limits apply to the standard Multi-currency Cash Passport in New Zealand. Fees and limits are subject to variation in accordance with the Terms and Conditions. Unless otherwise specified, all fees will be debited in NZ$ Currency. If there are insufficient funds in NZ$ Currency to pay such fees, then we will automatically deduct funds from other Currencies in the following order of priority: NZ$, AU$, EU€, US$, GB£, JP¥, CA$, HK$ and SG$.


When payable

Actual fee

Initial Card fee and Distribution Outlet reload fee

Charged at the time of purchase / Distribution Outlet reload

This fee is set and charged by the agent from which you purchased the Card

The greater of 1% of the initial load / reload amount or NZ$10.00

For example, for an agent charging a 1.0% initial load fee, if you purchase a Multi-currency Cash Passport Card and load NZ$800, you would be charged (NZ$800 x 1.0% = NZ$8), unless a minimum fee of NZ$10 applies.

Replacement Card fee



Reload fee

This fee is set and charged by MasterCard Prepaid Management Services (NZ) Limited


Secondary Card fee


1 FREE provided at same time as initial purchase

International ATM withdrawal fee (outside New Zealand)

When withdrawing money from an ATM outside of New Zealand

FREE. Please note that some ATM operators may charge an additional withdrawal fee at their own accord.

Domestic ATM withdrawal fee

When you use your card to make a withdrawal from ATMs in New Zealand


Cash over the counter fee

When cash is obtained over the counter


Monthly inactivity fee

At the start of each month if you have not made any transactions on the Card in the previous 12 months. Unless your Card is used again, or reloaded, this fee applies each month until the Card is closed or the remaining Card balance is less than the inactivity fee

NZ$4.00 per month

24/7 Global Emergency Assistance

When calling us for help or account questions


Cash Passport closure fee

Charged when you close your Card. This fee is set and charged by MasterCard Prepaid Management Services (NZ) Limited


Currency to Currency foreign exchange rate

This is applied when you move your funds from one Currency to another Currency at the then applicable retail foreign exchange rate determined by us.

We will notify you of the rate that will apply at the time you allocate your funds from one Currency to another.

Currency conversion fee

Applied when a purchase or ATM withdrawal is conducted in a currency either not loaded or insufficient to complete the transaction and the cost is allocated against the Currency/ies used to fund the transaction.

MasterCard® rate plus 5.95%.

The MasterCard rate is the exchange rate determined by MasterCard to be their wholesale rate or the government mandated rate in effect in the day the transaction is processed by MasterCard.

Important information about different transactions

A foreign exchange margin applies to the transaction amount if the Card is used for withdrawals in any currency other than a currency available on the Card. The applicable margin applied to the converted currency transaction amount is 5.95%.

Example of Foreign Exchange Margin for a Card loaded with NZ$ only:
Suppose you make a withdrawal from an ATM outside New Zealand (in Brazil) for Brazilian Real BRL50.00 and the prevailing exchange rate, set by MasterCard, is BRL1.00 = NZ$1.34. Before the foreign exchange margin applies, this would equate to NZ$67.00 (BRL50.00 x 1.34). After the foreign exchange margin of NZ$3.99 is applied (NZ$67.00 x 5.95%), this would equate to NZ$70.99 (NZ$67.00 + NZ$3.99).

Where you do not have a balance in the currency of the transaction, your Card Fund will be debited according to the default order of priority, which is as follows: NZ$, AU$, EU€, US$, GB£, JP¥, CA$, HK$ and SG$.

In addition, we will debit the balance of each Currency in this order until the relevant transaction amount has been satisfied  

Limit name

Limit details

Limit amount

Maximum amount you can load/reload on your Card


NZ$25,000 or currency equivalent

Maximum number of Multi-currency Cash Passports you can hold at one time

This does not include the linked Secondary Card provided to you at the time of purchase.


Maximum balance allowed across all currencies during any 12 month period



Maximum Bill Payment® reload amount per day



Cash over the counter limit in any 24 hour period



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

NZ$3,000 or currency equivalent

Maximum value of EFTPOS transactions during any 24 hour period


NZ$15,000 or currency equivalent

Maximum balance allowed at any one time across all Currencies