If you are travelling to a country and the currency you will be transacting in, is not a supported currency, you can load in AUD. You will only be changing your currency once.

The most accurate way of checking balances is through ‘My Account’ or calling Card Services. Some ATM’s cannot read multiple currencies and/or different exchange rates.

For premium security, the Card is chip and PIN protected. To reduce the risk of fraud, Multi-currency Cash Passport is not linked to any of your personal information and held completely separate from your G&C Mutual Bank account.

Unlike travellers cheques, Multi-currency Cash Passport Cards can be used at ATMs worldwide and ATM withdrawals are secured by a PIN. Pre-loading your Multi-currency Cash Passport gives you more control over your travel budget than a standard debit or credit card and it’s easier to manage your overseas spending.

For your security still use Cash Passport but load in AU$

The Multi-currency Cash Passport can be used to withdraw local currency from over 2 million ATMs worldwide which display the MasterCard Acceptance Mark. To check their location, visit the ATM Locator found on www.cashpassport.com.au


The MasterCard Multi-currency Cash Passport can be used at over 37million merchants worldwide.

As the Card is a multi-currency Card it is set up so that you can fully utilise your entire balance to fund a transaction. This means that when you do not have funds in the currency of the transaction, either because it is not one of the available currencies on the Card, or because you do not have a sufficient balance in the relevant currency, the Card will use your available currency balances in the default order of priority. The default order of priority is AU$, US$, EU€, GB£, NZ$, THB, CA$, HK$, JP¥ and SG$. A transaction is able to be funded from multiple currencies on your Card and you do not need to have sufficient funds in a single currency if the aggregate of your Card Fund is enough to fund the relevant transaction. This means that the Card will first take funds from the relevant currency balance. For example, if you have the following currencies loaded onto your Card; AU$100, EU€10, GB£250, NZ$50, you are in France and wanted to make a purchase for EU€20, the Card will automatically check the currencies on the Card, starting at EU€ (being the relevant local currency) and then AU$, from which to fulfil the remaining EU€10 in order to authorise the transaction. If AU$ aren’t available, the Card will move along the list until it finds an available currency from which to deduct payment. You do not need to have the total amount required for the transaction in a single currency as long as the aggregate of all of the converted currency balances is greater than the relevant amount#.

There are a number of countries where the use of Multi- currency Cash Passport is not allowed, as they are subject to US economic sanctions. If you attempt to withdraw cash from an ATM, or use your Card at merchants in any of these countries, your request will be declined and the reason given as ‘Decline, prohibited country’. The countries currently affected by sanctions are: Cuba, Iran, Myanmar (Burma), Sudan, North Korea and Syria.

It is not recommended that you use your Cash Passport as security bond onboard a cruise ship (or similar). Cruise ship companies will ‘pre-authorise’ an amount on your Card to cover any incidentals, similar to some hotels. These pre-authorised funds cannot be used whilst onboard or until such a time those funds are released by the cruise company, sometimes for up to 30 days after the cruise has finished. It is suggested that you use a credit card to cover any such pre-authorised amounts and Cash Passport can be used at ATM’s or at merchants onboard.

You can use your Multi-currency Cash Passport to shop online (within the limits and restrictions of your Card) at any merchant that accepts MasterCard. By using a Multi-currency Cash Passport loaded with the currency that the online site trades in, you know exactly what your purchase will cost and won’t be stung by unknown exchange rate fees, as you would be if you used your domestic credit or debit card. For your security, you may be asked to provide the security code that’s printed on the signature strip on the back of the Card. Multi-currency Cash Passport may not be used for money transfers or for any unlawful activity. You must comply with all laws and regulations (including any foreign exchange controls) in respect of the Card in the country of purchase and/or use.

Even with a zero balance, your Multi-currency Cash Passport is still valid (up to the expiry date on the Card), and you can reload it for your next trip anytime. You can reload your Card at G&C Mutual Bank or online via BPAY®. For more information on how to reload your Multi-currency Cash Passport, please visit www.cashpassport.com.au

You can manage this online once you’ve registered on ‘My Account’ at www.cashpassport.com.au.

You can move funds easily once you’ve registered on ‘My Account’ at www.cashpassport.com.au.

If you have any queries about your Card balance or you notice a Card transaction that you do not recognise, please notify the 24 hour Card Services team via the Global Emergency Assistance numbers as soon as possible and in any event within thirty (30) days of the transaction debit date. They will be happy to check and confirm the transaction details for you. If there is a transaction which is not correct, Card Services can start the dispute process on your behalf and may request you to provide additional written information concerning any unrecognised transaction, or to complete a Dispute Claim Form. Please assist them by providing as much information as you can. It is recommended that you check your transaction history and Card balance at least once a month. You can do this online, once you have registered your Card on ‘My Account’. For more information on what to do if you notice an incorrect transaction on your Card, please visit www.cashpassport.com.au

Your Multi-currency Cash Passport should work in any cash machine displaying the MasterCard® Acceptance Mark. If it doesn’t, the Card may be faulty and you can get 24/7 help from Card Services, via the Global Emergency Assistance numbers which are located on www.cashpassport.com.au


Please note: if an ATM screen prompts you to choose ‘which account?’ it is recommended that you choose the ‘Credit’ option. You can only withdraw cash from an ATM up to the available balance on your Multi-currency Cash Passport Card (including any applicable fees) and if the amount is within the ATM’s issuing limit.

A list of numbers to call can be found on www.cashpassport.com.au or on the last page of the PDS.


Money from your Cash Passport can be wired to you through Western Union and a replacement card delivered to you.

This should only happen when you don’t have enough money on the Card to cover the purchase. Be aware that some merchants, such as restaurants and car hire companies, may require the Card to have an available balance greater than the purchase amount before they will authorise the payment.

If the merchant supports it, you can use your Multi-currency Cash Passport to make a partial payment, and cover the balance with another payment method. Just make sure you tell the cashier before you start the transaction and confirm the amount you want to be deducted from your Card. The cashier should process your Card payment first, and then accept the remainder of the balance in whichever way you want to pay it.

Electronic statements showing the Card’s transactions and Cash Passport Card Fund balance are available for viewing and printing through ‘My Account’ at www.cashpassport.com.au.

You can either transfer any remaining funds to a new Card or cash out the balance and close your Multi-currency Cash Passport. Please visit www.cashpassport.com.au for more information on cashing out your Card.

To retrieve the remaining balance on the Card, simply visit www.cashpassport.com.au click on “Help Centre” followed by “Replace Card or cash out” and then follow the prompts.


Please note: Cash outs are processed within 2 business days. Cash outs of foreign Cards will be converted to AUD at the prevailing exchange rate prior to crediting to your nominated bank account. There is a AU$10 fee to cash outs via this site.

# Transactions in a currency other than the currency of the Card will be exchanged to the currency on the Card at an exchange rate determined by MasterCard on the day the transaction is processed, increased by a percentage determined by the issuer.