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Using your credit or debit card overseas.
You can use your Westpac credit or debit card anywhere around the world that Mastercard® is accepted, at ATMs and directly with retailers, either online or in person.
Tips for using your card overseas.
- No PIN? Make sure you get one loaded on your card before you go for added security.
- Use Global Alliance ATMs to avoid the usual transaction fee. More about Global Alliance ATMs.
- Paying in the local currency where possible can minimise foreign exchange costs. That way the currency conversion is handled by the credit card network, which can often give you a better exchange rate than if you chose to pay in New Zealand dollars1 at the time.
- International cards will not be accepted at unattended card payment terminals in the US, for example some petrol stations. If you want to pay using your card, you’ll need to go to a petrol station where a cashier can take a card payment.
- If your card is declined, ask the merchant to call the local Mastercard office, or call Westpac on +64 9 914 8026 to advise us of the incident and provide merchant location details.
Helpful tools.
CardGuard®
24/7 protection from fraudulent activity2 . So you can use your card anywhere, anytime and leave your worries behind.
Alerts
Help avoid fees, feel more secure and keep a track of your balance by enabling a range of email or TXT alerts within your credit card account.
Stolen or lost card while overseas.
Has your credit card got overseas travel insurance?
The credit cards below include complimentary overseas travel insurance cover3. You can find more information about the Overseas Travel Insurance policy wording, benefits, exclusions and conditions under the following policies:
Where cards are not accepted.
Here’s a list of the countries where Westpac cards won't be accepted4:
- Cuba
- Iran
- North Korea
- Russia
- Darfur region of Sudan
- Syria
- Crimea region of Ukraine
- Donetsk region of Ukraine
- Luhansk region of Ukraine.
Things you should know.
1A foreign currency fee is charged when you make a purchase or cash withdrawal in a foreign currency, and also applies to any fees and charges charged by the overseas bank or vendor in relation to the transaction. This fee is also charged when you make online purchases in a foreign currency. For personal credit or debit cards, the fee is 1.95% of the transaction amount. For business credit cards, the fee is 2.50% of the transaction amount. Transaction fees are subject to change. Refer to the Transaction and Service fees brochure for details
2 Provided you notify us as soon as possible, have not acted fraudulently or negligently, and have complied with the card’s Conditions of Use.
3 Terms, conditions, exclusions and eligibility criteria apply (see applicable policy document), including a minimum spend for certain travel regions. Travel, Extended Warranty and Purchase Protection Insurances arranged by Westpac and underwritten by AIG Insurance New Zealand Limited. Westpac does not guarantee the obligations of, or any products issued by, AIG.
4 This list was last updated on the 22 March 2022 and is subject to change. This list of prohibited countries can change at any time. For more information, refer to the Conditions of Use.
Eligibility criteria, lending criteria, terms and conditions apply. Conditions of Use for the applicable card apply. Rates, transaction and services fees apply.
Mastercard is a registered trade mark and the circles design is a trade mark of Mastercard International Incorporated.