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#.