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1 global currency card a travel card save that could you money overseas smarts Proudly supported by Westpac

2 Think local, shop global Introducing the Global Currency Card. It s the re-loadable prepaid Visa card that can be used to make payments in multiple currencies either in person or online, wherever Visa cards are accepted. It s the simple, secure and convenient way to shop, whether online or overseas. The Global Currency Card is issued by Cuscal Limited ACN AFSL Westpac Banking Corporation ABN , AFSL and Australian credit licence acts as the distributor of the card only. The balance of any funds on the card are held by Cuscal and Cuscal is responsible for settling transactions but may outsource these functions to service providers.

3 Global Currency Card at a glance Second back-up card at no extra charge Choose from 11 different currencies Manage up to 5 different currency wallets at once Visa Prepaid just load the amount you wish to spend 24/7 phone customer service assistance 24/7 emergency assistance for lost or stolen cards Manage your card on the go via the iphone or Android app Certainty You can use your card in up to 5 out of 11 different currencies at any time, locking in the exchange rate when you load funds onto your card. Savings Avoid paying additional foreign exchange fees when you make purchases in the same currency as the item on sale as long as you have sufficient funds loaded in that currency on your card. You ll also pay no transaction fees on your purchases when you make purchases in a currency loaded on your card. 1 Security Your money is protected by Chip and PIN card security, and includes the protection of Visa Zero Liability Policy, protecting you from any fraudulent charges or unauthorised purchases. 2 Convenience Use your card wherever Visa is accepted at over 2 million locations worldwide. Plus, if you ever lose your card, you can simply cancel it and start using your back-up card. 1

4 Your money where you want it The Global Currency Card allows you to take control of your money. The card comes with Chip and PIN security and you pay no transaction fees when you make purchases in a currency loaded on your card. 1 So whether you re buying a pair of shoes in a Paris boutique, getting cash for the bus in Seattle or ordering from an online store at home, you can lock in your foreign exchange rates when you load funds onto your card. Available currencies You can load your card with up to 5 different currencies from these 11 available options. Australian Dollars (AUD) Hong Kong Dollars (HKD) Euros (EUR) Great British Pounds (GBP) South African Rand (ZAR) US Dollars (USD) Canadian Dollars (CAD) Japanese Yen (JPY) New Zealand Dollars (NZD) Thai Baht (THB) Singapore Dollars (SGD) 2

5 A world of security As a Visa Prepaid card, your Global Currency Card gives you the following benefits: Use your card wherever Visa cards are accepted around the world. Emergency assistance available 24/7. Use ATMs worldwide to withdraw cash from your preloaded currency wallets. Fees may apply. Chip and PIN security for protection. Visa Zero Liability, protecting you from fraudulent charges or unauthorised purchases. 2 Access to emergency funds may be arranged if you lose both your cards. 3

6 Ready to load your card? Online Banking Transfer funds via Online Banking. Your money will usually be available within 1 business day. BSB: Account Number: The 9-digit number located on the website westpac.com.au/globalcurrencycard Or Bpay Use your financial institution s internet (or phone) banking service to pay money into your card s Australian dollar wallet via BPAY. You will then need to go online and transfer your funds into the foreign currency wallets you want to use. Bpay Biller Code: Customer Reference Number: The 13-digit number on the back of your card Bpay transfers can take up to 3 business days to appear on your card, so make sure you allow plenty of time. Your financial institution may charge transaction fees for Bpay reloads. Or Westpac Branches You can deposit funds into your card s Australian dollar wallet at any Westpac branch using cash (Australian dollars). Your money will usually be available on the same day. The branch will be able to load different amounts directly into your foreign currency wallets for you, or you can just reload your AUD wallet then go online and move the funds to your other wallets later. 4

7 Card transaction limits Minimum initial load amount AUD 100 Minimum reload amount AUD 50 Maximum daily load amount AUD 25,000 Maximum initial load and reload using Online Banking via Transfer Funds AUD 25,000 Maximum initial load and reload via Bpay AUD 6,000 Maximum initial load and reload amount at a Westpac branch AUD 25,000 Maximum balance allowed at any one time on the card Maximum amount you can withdraw from ATMs in 24 hours Maximum value of POS/EFTPOS transactions in 24 hours Maximum value of ATM withdrawal in single transaction AUD 50,000 or foreign currency equivalent AUD 2,000 or foreign currency equivalent or the withdrawal limit (if any) set by the ATM operator (whichever limit is lower) AUD 8,000 or foreign currency equivalent AUD 2,000 Maximum aggregate credits during any 12 month period AUD 100,000 Maximum value of POS/EFTPOS or online purchase in single transaction Note: Merchants or other providers of facilities may impose additional limits for POS/EFTPOS transactions AUD 8,000 5

8 Managing your card Managing your account We ve made it easy for you to manage your money from anywhere, at any time. Simply visit the website at westpac.com.au/globalcurrencycard where you can: Check your balances Transfer money between your currency wallets Review your past purchases Change your PINs Check up to the minute exchange rates Managing your card on the go When you re on the go, simply download the Westpac Global Currency Card app from the App Store or Google Play. You can: Check your balance View your latest transactions Transfer money between your currency wallets Managing your currencies You can reload your Global Currency Card with up to 5 different currency wallets. If you set up a US dollar wallet, for example, when you buy something in US dollars the money will come out of your USD wallet. It s that simple. If there s not enough money in the USD wallet, we will draw the funds from one or more of your other wallets so you can complete your purchase. Foreign exchange rates will apply when you need to draw funds from additional wallets. 6

9 If you shop in a currency we do not support, the funds will be drawn from your AUD wallet. If your AUD wallet does not have a sufficient balance, we will draw funds from your other wallets so you can complete the purchase. Foreign exchange rates will apply when you need to draw funds from additional wallets. A Foreign Exchange Fee will be charged when you shop in a currency that is not supported by your wallets. Using ATMs You can check your card balance and withdraw cash from ATMs around the world. You will pay no fee for balance enquiries or withdrawals when you use: Westpac Group ATMs in Australia (Westpac, St.George, Bank of Melbourne and BankSA branded ATMs) Westpac s Global Alliance Partners ATMs around the world. (You will find a full list of these partners at westpac.com.au/globalcurrencycard) If you use a non-westpac Group ATM in Australia and non-global Alliance ATM overseas, fees will be applied as set out in the Product Disclosure Statement. Your complimentary back-up card Your back-up card is linked to the same card (and foreign currency wallet) balances as your primary card, but has a separate card number and PIN. So if your primary card is ever lost, damaged or stolen you can simply call us to cancel it and carry on using the back-up card in its place. It gives you the assurance that you won t be left in the lurch if something happens to your primary card. However, if you do happen to lose both your cards we can help you access emergency funds. Fees and charges will apply to emergency funds. 7

10 Global Currency Card Fee Guide Amounts shown in AUD and inclusive of GST Buying your Global Currency Card at a Westpac Branch Buying your Global Currency Card via Westpac Online Banking Initial Funds Load fee payable when the card is issued and loaded at a Westpac branch Initial Funds Load fee payable when the card is issued through Westpac Online Banking When load is made at a Westpac branch When load is made through Westpac Online Banking via BPAY or Transfer Funds Loading your Card for the first time Reloading your Card Making a purchase in the same currency as loaded onto your card Foreign Exchange Fee - payable wherever a card is used for a transaction in a currency other than a supported currency ATM Cash withdrawal in Australia when using a Westpac Group ATM (includes Westpac, St.George, BankSA and Bank of Melbourne) ATM Balance Enquiry in Australia when using a Westpac Group ATM (includes Westpac, St.George, BankSA and Bank of Melbourne) Overseas Cash withdrawal using a Westpac Global Alliance ATM Overseas Balance Enquiry using a Westpac Global Alliance ATM $10 1% of AUD value loaded up to maximum $10 1% of total amount up to $10 max per reload 3% of the transaction amount Please refer to the Westpac Global Currency Card Product Disclosure Statement for more information on all fees and charges that apply. 8

11 Global Currency Card Fee Guide Amounts shown in AUD and inclusive of GST Cash withdrawal using a non-westpac ATM or non-westpac Global Alliance ATM AUD 2.00 USD 2.00 GBP 1.50 EUR 2.00 NZD 3.00 CAD 2.50 Note: some ATM operators may charge you a direct fee when you use a non-westpac Group ATM HKD 15 THB 75 SGD 3.00 ZAR 20 JPY 200 Balance Enquiry using a non-westpac ATM or non-westpac Global Alliance ATM AUD 2.00 USD 2.00 GBP 1.50 EUR 2.00 NZD 3.00 CAD 2.50 Note: some ATM operators may charge you a direct fee when you use a non-westpac Group ATM HKD 15 THB 75 SGD 3.00 ZAR 20 JPY 200 Customer Services such as checking your Card Balance or Transaction History via: Westpac Mobile App 3 Customer Service Centre Replacement Card $15 Emergency Funds If amount sent is up to $500 (AUD) If amount sent is over $500 up to $1,000 (AUD) If amount sent is over $1,000 up to $2,000 (AUD) If amount sent is over $2,000 up to $3,000 (AUD) $15.00 $20.00 $25.00 $30.00 Westpac will endeavour to arrange for Western Union to deliver emergency cash services to you. Costs quoted by Western Union will be debited against your Available Balance in addition to the amount that you have requested to be transferred. 3. Data charges may be applied based on your mobile phone service provider. 9

12 Frequently asked questions Is the Global Currency Card a credit card? No, it is a Visa Prepaid card, so you need to load money onto your card before you can use it. When you make a purchase or get cash from an ATM, the amount is deducted from your preloaded balance. How can I load or reload the card? You use Bpay or Transfer Funds via your financial institution s internet banking service or visit any Westpac branch and use Australian dollars cash. Can I use the card at ATMs? Yes, most ATMs will support balance enquiries and cash withdrawals. The balance displayed at the ATM will be in the currency of the country you are visiting and there are no cash advance fees on the Global Currency Card. Will I be charged for using an ATM? As long as you use Westpac Group ATMs in Australia, and Global Alliance ATMs overseas, you will pay no fees. If you use a non- Westpac Group ATM in Australia and non-global Alliance ATMs overseas, fees will be applied as set out in the Product Disclosure Statement. Can I use foreign currencies to load the card? No, only Australian dollar amounts can be transferred onto your card. What if I have money left on the card when I return from my trip? You can keep using your card in Australia to either shop online or make fee-free cash withdrawals from any Westpac Group ATM. If you want to transfer your foreign funds back into Australian dollars, simply go online or call our Customer Service Centre. What happens when the card expires? Your card s Expiry Date is printed on the front of your card. You can choose to close your card and have the remaining balance returned to you. In order to receive your remaining balance complete the closure form by calling Westpac can transfer any remaining balance into Australian dollars and pay it into whatever Australian bank account you nominate. 10

13 What if I need to dispute a transaction? If you suspect an error in your transaction history, please ask us about lodging a dispute form, or log into the website. Will I receive statements for my Global Currency Card? We will send you an to tell you when a statement is available. Statements showing your transactions are available on our website westpac.com.au/globalcurrencycard What if I need assistance with my Global Currency Card? If you need assistance to activate your card, change your PIN or report a lost or stolen card, you can call the Customer Service team: Within Australia: (local call cost) Outside Australia: (standard call charges apply) More travel essentials Westpac has many other ways to help you enjoy a smooth trip. Need travel insurance? Start your trip knowing you re covered by purchasing Westpac Travel Insurance. Insure you or your family, whether off on a holiday or travelling regularly for business. Choose from 4 types of travel insurance: Comprehensive Plan Domestic Plan Essentials Plan Multi-Trip Plan Arrange online at westpac.com.au/travel Call Monday to Friday 8.00am 9.00pm and Saturday 9.00am 5.00pm (AEST) to speak to a travel insurance specialist. 11

14 We re here to help Online westpac.com.au/globalcurrencycard Customer Service Centre From within Australia: (local call cost) From outside Australia: (standard call charges apply) 1. A foreign exchange fee is payable on purchases made in a currency that is not supported by the Global Currency Card. 2. Visa Zero Liability Policy covers Australian and New Zealand issued cards and does not apply to ATM transactions, transactions not processed by Visa, or certain commercial card transactions. Cardholders should notify their issuer promptly of any unauthorised Visa use. Please consult the card issuer for additional details. 12

15 hasta luego ciao até logo Things you should know Information is current as at 27 October You must be at least 16 years old and have an Australian residential address to be eligible for this product. You should read the Westpac Global Currency Card PDS available at westpac.com. au before making a decision and consider whether the product is appropriate for you. This information does not take into account your personal objectives, financial situation or needs and you should consider its appropriateness having regard to these factors before deciding to acquire this product. Terms and Conditions, fees and charges apply. This information has been prepared by Westpac Banking Corporation ABN , AFSL and Australian credit licence ( Westpac ). Westpac distributes this product. Rev Australia Pty Ltd ACN AFSL manages the Westpac Global Currency Card product for Cuscal Limited ACN AFSL , an authorised deposit-taking institution and a member of Visa International. Cuscal Limited is the product issuer but does not take deposits from you. Westpac is not responsible for and does not guarantee this product or card or your ability to access any prepaid value or the use of this product or card. Travel Insurance is issued by AGA Assistance Australia Pty Ltd ABN (trading as Allianz Global Assistance), as agent for Allianz Australia Insurance Limited ABN Westpac Banking Corporation ABN distributes the insurance, but does not guarantee the insurance. This information does not take into account your personal circumstances. Read the Product Disclosure Statement, to see if this insurance is right for you. Call or visit westpac.com.au/travel. Obtain a copy of the PDS online at westpac.com.au/travelinsurance Internet connection is needed to access the Westpac Global Currency Card app. Normal mobile data charges apply. We support Apple iphone ios 6 and above and Android 2.3 and above. Apple, the Apple logo and iphone are trademarks of Apple Inc., registered in the U.S. and other countries. App Store is a service mark of Apple Inc. Android is a trademark of Google Inc. BPAY is Registered to BPAY Pty Ltd ABN

16 Ready to go? You can purchase your Global Currency Card at any Westpac branch, right now. You don t even need to be a Westpac customer, as long as you have an Australian residential address, are 16 years or older and can meet Westpac s identification requirements which can be found at westpac.com.au/identification. You will be asked to sign your cards as soon as you receive them, then activate your account and set up your PINs online at westpac.com.au/globalcurrencycard. See inside for more details Westpac Banking Corporation ABN AFSL and Australian credit licence CC1004 (10/15)

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