Using your credit card overseas.
You can use your Westpac 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 credit card before you go for added security.
- Use Global Alliance ATMs to avoid the usual transaction fee1. 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 dollars2 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.
Monitor your card spend in real time with our money management app.
24/7 protection from fraudulent activity3 . So you can use your card anywhere, anytime and leave your worries behind.
Help avoid fees, feel more secure and keep a track of your balance by enabling a range of email or SMS alerts within your credit card account.
Stolen or lost card while overseas.
Where cards are not accepted.
Here’s a list of the countries where Westpac cards won't be accepted5:
- Crimea Region of Ukraine
- North Korea
Things you should know.
1 The $2 international transaction fee saving applies to cards used at ATMS belonging to any member of the Global ATM Alliance , and is subject to change. ATM Global Alliance banks and their details are subject to change. All other international and standard fees apply including foreign currency conversion fees - refer to the Transaction and Service fees brochure.
2 A 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 1.4% of the transaction amount. For business credit cards, the fee is 2.5% of the transaction amount. Transaction fees are subject to change. Refer to the Transaction and Service fees brochure for details
3 Provided you notify us as soon as possible, have not acted fraudulently or negligently, and have complied with the card’s Conditions of Use.
4 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.
5 This list was last updated on the 21 February 2021 and is subject to change. This list of prohibited countries can change at any time. For more information, refer to the Conditions of Use.
Mastercard is a registered trade mark and the circles design is a trade mark of Mastercard International Incorporated.