Our fees and limits

Fee Amount

Debit Card Load fee

Each time you load your Card using your debit card (additional to any other applicable fees) via web/ mobile
Note: you may be charged other fees by third parties for the transaction (e.g. your debit card issuer)

$5 per Debit Card Load transaction

Reload fee (Bill Payment)

Each time you reload additional funds onto your card using Bill Payment details without booking your rate via web/mobile


Administrative fee (in-store only)

When you purchase your card and load in-store (or subsequently reload), with the help of customer service representative

The greater of 1.0% of the initial load/reload amount or NZD$10.00

Additional card fee

When you opt for an additional card at the time of purchase


Cash Out fee

The fee charged when you Cash Out any amount on your Card (other than withdrawals from an ATM)


International card to card

NZD 5.00, AUD 5.00, EUR 3.50, USD 4.00, GBP 3.00, JPY 375, CAD 5.00, HKD 30.00 SGD 5.00, AED 15.00 (if supported on a recipient’s Cash Passport)*

Domestic ATM fee

Each time you withdraw cash from an ATM in New Zealand


International ATM withdrawal fee (outside New Zealand)

Each time you withdraw cash from an ATM outside of New Zealand using your Card

AUD3.50, EUR2.20, USD2.50, GBP2.00, JPY300, CAD3.50, HKD20.00, SGD3.50, AED 9

(for international ATM withdrawals in countries not mentioned above or where there are insufficient funds in the relevant currency to cover the whole transaction, the fee will be NZD3.50).**

Currency to currency foreign exchange rate

When you request to transfer funds from one currency to another currency on the same Card, or when you request a Cash Out to close your Cash Passport Platinum and you have funds in a foreign currency.

At the then applicable retail foreign exchange rate determined by us. This rate reflects Mastercard Prepaid Management Service’s cost price plus a margin determined by Mastercard Prepaid Management Services.

We will notify you of the rate that will apply at the time you allocate your funds from one currency to another and this rate (inclusive of the margin) may be less favourable than the foreign exchange rate for Online reloads where you allocate funds in a foreign currency.

Currency Conversion Fee

When a purchase or ATM withdrawal is conducted in a currency that is not loaded on your Card,
or when there are insufficient funds in that currency to complete the transaction and the cost is allocated against other Currency/ies on your card to fund the transaction

Mastercard® rate plus 5.95% of the transaction value. 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.


 *For example, if a sender transfers USD 50, their Cash Passport Platinum facility will be debited USD 54.

 **Some ATM operators may charge an additional withdrawal fee.

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


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).


Maximum amount per load/reload

NZD$25,000 or currency equivalent

Maximum Bank Transfer or Bill Payment Reload amount per day


Maximum Debit Card Load amount in any 24 hour period


Maximum Debit Card Load amount in any 7 day period


Maximum Debit Card Load amount in any 30 day 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)

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


Maximum amount you can load across all currencies during a 12-month period


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 Platinum holder in any 24 hour period

NZD$20,000 or currency equivalent

International card to card

Maximum amount you can transfer to an Australian Cash Passport Platinum holder (or any other overseas issued Cash Passport Platinum holder, if we make this available and notify you) 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