Prepaid cards

Preload these handy cards with a cash amount, then use them wherever you want to spend your own funds, whether it’s online or overseas. Ideal for travelling and sending money to friends and family.  

There are three types of cards:

  • Prepaid card: give yourself some spending money
  • Travel card: you want to take spending money overseas
  • Express card: to send money to friends or family overseas
Prepaid card

Highlights of a Prepaid card

Here's a card for you to use or for giving money to friends and family:

  • an easy way to buy things online, over the Internet, or in store (wherever Visa is accepted)
  • easy to reload
  • all the convenience of a credit card, but without the monthly bill or interest
  • you can control your spending, by choosing the amount to load (you can only use the amount you have loaded onto the card)
  • you don’t need a Westpac account to get a Prepaid card 

How it works

There are two options for this card:

A Prepaid card for yourself
  • just buy your Prepaid card from any Westpac branch (they cost $20), load it with your chosen amount of money (minimum first deposit of $50), and load a PIN number
  • at any time you can top up / reload your card using online banking or phone banking (if you’re an existing customer), Westpac ATMs, or deposits at a Westpac branch
  • there is a $1.00 charge for an electronic load, and $3.00 charge for a manual load (ATM and branch)
  • your card will expire on the date printed on its front. If there is any unused balance on your account, this remains yours. You can either transfer that balance to a replacement card (for which a fee of $20 is payable) or obtain a refund from us
  • for daily transaction limits, click here.

A Prepaid card to give money to friends or family in New Zealand

  • the recipient will need to pop in to a branch and provide ID, and load a PIN
  • once the recipient has been ID’d, you can buy a card (for $20) from any Westpac branch and load it with at least $50
  • at any time you can top up your card using online banking or phone banking, ATMs, or deposits at a Westpac branch
  • there is a $1.00 charge for an electronic load, and $3.00 charge for a manual load (ATM and branch)
  • your card will expire on the date printed on its front.  If there is any unused balance on your account, this remains yours.  You can either transfer that balance to a replacement card (for which a fee of $20 is payable) or obtain a refund from us

TIP: when using your prepaid card in shops or at ATMs, select the ‘Credit’ button.

 Where you can use it

  • anywhere that Visa is accepted
  • ATM machines in New Zealand
  • online, over the phone, and overseas

TIP: When overseas, get your cash from an ATM belonging to one of the ATM Global Alliance banks, and you’ll pay no international transaction fee - saving you up to NZ$8 every time.* Westpac is the only bank in New Zealand to give you this saving.

Getting a Prepaid card

Who can get a Prepaid card?
  • you need to have a NZ address or have a valid Work Permit or Student Visa
  • you don’t need to be an existing Westpac customer
  • if you’re between the ages of 13-17, you’ll need a parent or guardian to sign your application form as well
Minimum first deposit

There’s simply a minimum deposit (load) of $50. After that, you can upload any amounts you like.

How to apply

Applying for a Prepaid card is easy – just visit your nearest Westpac branch. You’ll need to bring with you a form of ID, and proof of your address (like a household utility bill, or a bank statement).

Travel card

Highlights of a Travel card

Take your Travel card overseas, pre-load some funds, and use it like a credit card but without the monthly bill

  • it's a a safe way to 'carry spending money' when you’re travelling overseas, and is more convenient than carrying cash or traveller's cheques - it has all the convenience of a credit card (but no interest, no monthly bill)
  • use it to buy things online, or where you would normally use a credit card - you will save fees if you're overseas
  • when you use it to make ATM withdrawals (from any Westpac’s Global Alliance machine) you won’t overspend by accident, as you set the amount you’ll load up and therefore have available

How it works

The Travel card works the same way as other Prepaid cards

  • just buy your Travel card from any Westpac branch (they cost $20), load it with your chosen amount of money (minimum first deposit of $50), and load a PIN number
  • while you’re overseas, you can top up the card using online banking or phone banking (or ATMs, or at a Westpac branch if you are in NZ). See the 'Fees' section for full details
  • your card will expire on the date printed on its front.  If there is any unused balance on your account, this remains yours.  You can either transfer that balance to a replacement card (for which a fee of $20 is payable) or obtain a refund from us
  • for daily transaction limits, click here.

Where you can use it

  • anywhere that Visa is accepted
  • ATM machines in New Zealand, online, over the phone, and overseas

TIP: When you’re overseas and use your card to get cash from an ATM, make sure you use an ATM belonging to one of the Global ATM Alliance banks. You’ll pay no international transaction fee - saving you up to NZ$8 every time.* Westpac is the only bank in New Zealand to give you this saving.

Who can get a Travel Card?

  • you need to reside in New Zealand or have a valid NZ Work Permit or NZ Student Visa 
  • you don’t need to be a Westpac customer 
  • if you’re between the ages of 13-17, you’ll need a parent or guardian to sign your application form as well

Minimum first deposit

There’s a minimum deposit (load) of $50. After that, you an upload any amounts you like.

How to apply

Applying for a card is easy – just visit your nearest Westpac branch. You’ll need to bring with you a form of ID, and proof of your address (like a household utilities bill, or a bank statement).

Express card

Highlights of an Express card

Give an Express card to friends or family overseas, and you can also keep a card in New Zealand to top it up / reload for them:

  • a secure way to send money to family or friends overseas
  • you’ll get two cards – one for you to keep in New Zealand, the other to send overseas
  • they can use it to buy things online or in-store (wherever Visa is accepted), and access money at ATMs
  • save fees on overseas ATM withdrawals with Westpac’s Global Alliance
  • neither cardholder needs to be an existing Westpac customer

How it works

  • just buy your Express card from any Westpac branch (they cost $20), load it with your chosen amount of money (minimum first deposit of $50), and load a pin number
  • we’ll give you two cards on the one account; one to keep here in NZ, so you can make top-ups and an International card to send overseas to your nominated cardholder overseas
  • you’ll need to provide the name and address of the person you’re sending the card to. Westpac will post them an International card, loaded with a unique PIN number
  • at any time you can top up your card with additional funds – using online or phone banking, ATMs, or at a Westpac branch
  • the maximum balance of the Express card must not exceed $9,999.99. Within any 12 month period, the total value of withdrawals on the card must not exceed that same amount
  • your card will expire on the date printed on its front.  If there is any unused balance on your account, this remains yours.  You can either transfer that balance to a replacement card (for which a fee of $20 is payable) or obtain a refund from us
  • for daily transaction limits, click here.

TIP: when using your Express card in shops or at ATMs, select the 'Credit' button.

Where you can use it

  • anywhere that Visa is accepted
  • ATM machines in New Zealand
  • online, over the phone, and overseas

TIP: When overseas, get your cash from an ATM belonging to one of the ATM Global Alliance banks, and you’ll pay no international transaction fee - saving you up to NZ$8 every time. Westpac is the only bank in New Zealand to give you this saving. 

Who can get an Express card?

  • you need to be a NZ Resident or have a valid NZ Work Permit or NZ Student Visa
  • you don’t need to be an existing Westpac customer
  • the person you are sending the Express card to must reside in another country

Minimum first deposit

There’s a minimum deposit (load) of $50. After that, you can upload any amounts you like to a maximum of $9,999.99.

How to apply

Applying for a card is easy – just visit your nearest Westpac branch. You’ll need to bring with you a form of ID, and proof of your address (like a household utilities bill, or a bank statement). 

How to activate the Express card

Once you know that your nominated cardholder has received their International card and PIN, you’ll need to ask Westpac to activate it. 

How to top up / reload

At the branch

You can top up your Prepaid, Travel or Express card at any Westpac branch for the cost of $3.

Simply take in your card, and top up the balance with cash or another debit or credit card.

In online banking

You can view your card balance and top it up using online banking.

To get your prepaid card to show in your online banking profile call us on 0800 888 111. Once the card is showing you can simply transfer money from your bank account to your Prepaid card, using the prompts.

If your card isn't showing, you can still transfer money to it by following these steps:

  • login to online banking and click on ‘Transfer money/Pay anyone’
  • select ‘Set up and save someone new to pay online’ and enter the Prepaid card as a ‘Westpac Visa’ 
  • follow the rest of the instructions to complete the set-up and transfer
Costs and fees

Prepaid cards - Fees
The following table explains Westpac's prepaid card fees, where you can use the cards and the minimum and maximum amounts you can load onto each type of prepaid card.

Note: Prepaid cards are only available to personal customers.
Feature/Fee typeExpress, Travel & Prepaid fee amount
Where each card can be used ATM Yes
EFTPOS Yes
Online purchases Yes
Phone purchases Yes
Deposit / Load fee Branch $3
ATM $3
Phone Banking $1
Bill Payments $1
Online Banking $1
Card purchase fee
This includes the load fee of $3 for the initial load made that day
$20
International currency conversion rate
The international currency conversion rate attracts a 1.50% Westpac surcharge and a 1.00% scheme fee making a total of 2.50%.
2.50%
of the NZD converted value
Transactions Cash advance
Domestic and international
Nil
EFTPOS
Domestic and international
Nil
Westpac NZ branch and ATM withdrawal Nil
International Global Alliance ATM withdrawal* Nil
Other bank ATM withdrawal
Domestic
$1
Other bank ATM withdrawal
International
$8
Other bank branch withdrawal
Domestic
$2
Other bank branch withdrawal
International
$8
Copy of sales voucher $15
Extra copy of paper account statement $10
Replacement card fees Replacement card
Cover lost and damaged cards
$20
Courier cost - Domestic $10
Courier cost - Australia $12
Courier cost - Pacific and Asia $22
Courier cost - All other countries $25
Feature / Fee typeExpressTravelPrepaid
Minimums and maximums   Minimum initial load amount
Covers the purchase and initial load fee of $20
 $50  $50  $50
Maximum load amount  $9,999  Unlimited  Unlimited
Maximum balance  $9,999  Unlimited  Unlimited
Maximum value of withdrawals
This relates to the total value of withdrawals in any 12 month period
$9,999 Unlimited Unlimited
Number of cards issued per customer 2 1 1
Maximum number of card accounts 1 10 10
Age restrictions
Customers between the ages of 12 and 17 must have a parent or guardian also sign their application form
18 years 13 years 13 years