How will I access my funds if I lose my card?
It’s a good idea to take more than one means of accessing your money with you, rather than just relying on one. For example, besides having a Visa Debit card or a credit card, it’s worthwhile taking a Cash Passport or foreign currency as well so that if your card is stolen or lost, you won’t be left without access to cash. Remember that it can take a few days to arrange these before you go, so it’s best not to leave getting them to the last minute.
Do I have enough money?
If you want to ensure that you’re not left without the funds you need, we can help you. Attach a credit limit to your savings account to extend your available balance linked to your Visa Debit card to cover any unexpected costs. With a credit limit you only pay for what you use.
Do you have travel insurance?
An unexpected expense or travel delay can derail your holiday, so it’s best to be prepared. Our PremierCare® Travel Insurance offers you a range of benefits, and best of all, you don’t have to pay any excess.
How will I keep track of my money?
You will want to have enough money for your whole trip, so it’s a good idea to keep track of how much you spend and how much you have left. You can do this easily by setting up Telephone, Internet Banking and Mobile Banking before you leave. If you already have these services, make sure you know your passwords. If you’ve forgotten them, get in touch with us and we can easily have them reset.
It’s important to note that, as with any internet transaction, when using Internet Banking it pays to use a secure connection. Internet cafés may pose a risk as computers can contain viruses and other malicious software that can capture your personal banking details. For extra security, you will need to be registered for our Second Tier Authentication to perform some functions.
We offer two forms of Second Tier Authentication. Get in contact with us to work out which will best suit your needs while you’re overseas.
How do I access my money overseas?
With Beyond Bank, you can access your money anytime, anywhere. Whether you’re paying bills or doing your banking or shopping, we have a range of easy access options that give you flexibility and convenience while you’re overseas.
What is a Cash Passport?
The Multi-Currency Cash Passport is a prepaid travel money card designed specifically for travel. The card allows you to store up to nine currencies on a single card. Lock in your exchange rate in Euros, Great British Pounds, United States Dollars, New Zealand Dollars, Australian Dollars, Canadian Dollars, Thai Baht, Japanese Yen, and/or Hong Kong Dollars. The Multi Currency Cash Passport allows you to withdraw local currency at over one million ATMs.
Enjoy the benefits of:
- 24 hour Global Emergency Assistance for lost or stolen cards or emergency funds;
- A free second card for back-up;
- Peace of mind, knowing your card is not linked to your savings account;
- Easy access to card balances, ATM location information and PIN change options;
- No age restriction; and
- Simple fund recharging via Internet/Telephone Banking through BPAY® by using the following details (allow 48 hours for processing):
Biller Code: 184416
Customer Reference number: your 16 digit card number.
Once you’re home from your trip you can keep the card for next time, withdraw the funds from an ATM or contact us to transfer the remaining balance into your savings account.
Can I use my Visa Debit card?
With your Visa Debit card you can withdraw cash from over one million ATMs worldwide. Alternatively you can make purchases from any merchant terminal by pressing ‘credit’ and entering your PIN. You also have the option to use your Visa Debit card to withdraw money at thousands of financial institutions worldwide.
Can I use my rediCARD?
You can use your rediCARD to withdraw cash at ATMs worldwide, provide they bear the Visa or Visa Plus logos.
How do I arrange foreign cash?
It’s always a good idea to have some local currency ready for when you arrive at your destination. Foreign cash is available in a wide range of currencies and can be arranged at your preferred branch. It is usually available within two business days.
Can I use my card in a store overseas?
When you make an overseas purchase on your Visa Debit card, the transaction is converted into Australian Dollars and calculated at a wholesale market rate.
Transactions are subject to a conversion fee and may incur transaction fees. For more information about the applicable fees, refer to our Fees and Charges booklet or feel free to contact us before you leave. It’s important to note that many countries have now fully migrated to using secure chip and PIN technology. In some countries a transaction performed with a chip enabled card cannot be completed with a signature, only a PIN. As a result, we strongly recommend that if you do not know your PIN, you request one prior to travelling overseas.
Can I withdraw money overseas?
You can withdraw cash from overseas ATMs just as you do in Australia. Transaction amounts and balances will be given in the local currency, however not all ATMs will provide a balance and some may have a lower withdrawal limit.
Visa Debit cards and rediCARDs are restricted to the standard daily ATM withdrawal limit of up to AU$2,000 per card. We advise that you confirm your current overseas authorisation limit with your nearest branch or phone us on 13 25 85 before leaving.
A foreign currency conversion fee is charged on each transaction performed overseas. A Cash Advance Fee is also payable on each overseas ATM withdrawal. It is always a good idea to contact your nearest branch or phone us on 13 25 85 to advise us of the dates and countries you will be travelling to. This will allow us to make sure that our fraud monitoring systems can better protect your funds whilst you are travelling.
Can I use Telephone Banking overseas?
You can use Telephone Banking from overseas by calling our Account Information Line on +61 8 8274 4522, which enables you to:
- Check account balances;
- Listen to your last 10 transactions;
- Make BPAY® payments;
- Transfer funds between your accounts or to another account with us.
How do I contact my bank when I’m overseas?
At Beyond Bank we’re committed to being as open and accessible as possible. As a result, there’s a range of different you can get in contact with us.
Contact Centre: +61 8205 8888 between 8am to 8pm weekdays or between 9am to 3pm Saturdays (Central Standard Time) (excluding public holidays).
Account Information Line: +61 8 8274 4522.
Secure Email: Log on to your Internet Banking and select ‘Messages’ followed by ‘Secure Messages’ to compose a new message.
Fax: +61 8231 3060.
Mail: GPO Box 1430, Adelaide SA 5001.
Travel Insurance assistance.
Phone: 1800 011 060.
Lost or stolen cards (24/7 hotlines).
Visa Debit: +61 2 8299 9101 (reverse charge) or 1 410581 9994 (in USA only) www.visa.com
rediCARD: +61 2 8299 9101
Multi Currency Cash Passport: +61 1800 098 231 www.cashpassport.com/multi