Frequently Asked Questions

What is the currency conversion fee for using my card overseas?

When you spend on your Heritage Visa Debit or Credit Card overseas, or online, in a currency that is not Australian Dollars (AUD), your purchase will need to be converted into AUD. To enable this conversion, you will pay an overseas currency conversion fee which is a percentage of your transaction.

If you withdraw money overseas you will also pay an overseas ATM or counter withdrawal fee. Some ATM operators may also charge their own fees. You should check the prompts on the ATM screen that will indicate if a fee is going to be charged.

The currency exchange rate you receive will be calculated at the time of your purchase or cash advance. You can use the Visa exchange rate calculator for an estimate of the rate you may receive.


The following fees apply for Visa Debit and Credit Cards. If you're using a Visa Credit Card to withdraw money, a cash advance fee and cash advance rate will also apply. Refer to our Fees and Limits guide for more information.

Overseas currency conversion fee

Applicable on Visa purchases or withdrawals made in any currency that is not Australian Dollars (AUD)

3% of the AUD amount of the transaction
Overseas ATM or counter withdrawals fee (Visa) $5.00 plus overseas currency conversion fee

Are you travelling overseas soon?

Don't forget to let Heritage Bank know of your travel plans, including countries and dates for travel. 
  • Call us on 13 14 22
  • Talk to your local branch
  • Submit a secure enquiry after you login to Heritage Online or your Mobile Banking App.

More help

Scam alerts
Scam alerts & fraud protection
Fight scammers with our help. Learn how we protect you from fraud and become savvy at identifying scams with our help guides and security tips.
Contact us 24/7
Our local Australian contact centre is waiting for you. Call 13 14 22 or if overseas, call +617 4694 9000.