Top Tips for International Travel

  1. Ensure that you contact Heritage to advise the dates and countries of your planned travel.
  2. If you will be using internet banking whilst overseas, consider changing from ‘SMS Security’ to a ‘Pay Anyone password’, or disabling this facility altogether for the duration of the trip.
  3. Heritage offers a stand-alone product for international use called a Multi-currency Cash Passport. With this, you can load up to ten currencies onto one easy-to-use card. These can be obtained through any Heritage branch, and can be used without accessing your Heritage account. As these cards are prepaid, they can be topped up from Heritage internet banking using BPAY®. Please ensure that you have a sufficient limit for BPAY® as these transfers are classed as Special Limit Billers.
  4. When using your Heritage cards overseas, you will only be able to access your accounts through the Credit facility on the relevant card (Visa Debit or Visa Credit).
  5. If needed, you can request a copy of your PIN for your Heritage card to be mailed to your listed address, or you can change your PIN by visiting a branch.
  6. Heritage has daily card limits when selecting credit on your Visa card. The standard daily card limits are $10,000 within Australia and $3,000 outside of Australia. If you wish to discuss your daily limit requirements whilst travelling, visit your local branch or call our Contact Centre on 13 14 22.
  7. Check your card expiry dates to ensure your card does not expire whilst you are away.
  8. There are specific fees and charges involved with transactions made outside Australia and in a currency other than Australian Dollars (AUD) on Heritage card products:
    1. For purchases, this is 3% of the Australian dollar value of the transaction.
    2. For ATM/counter withdrawals, this is $5.00 (Australian), plus the 3% listed above.
  9. You can call the Heritage Switchboard between 8:30am and 5:00pm Monday to Friday (AEST) on +61 7 4690 9000 to be transferred to someone who can discuss details of your accounts. You can also access HAL from overseas by calling +61 7 4694 9774.
  10. If your Heritage card is lost or stolen, you can call our emergency contact number at any time to cancel the card, on +61 7 4694 9139.
  11. If you have not yet obtained travel insurance, have you considered getting a quote from Heritage? To obtain a quote, call us on 13 14 22 between 8:30am and 7:00pm Monday to Saturday (AEST), or online.

Travel insurance is issued and managed by AWP Assistance Australia Pty Ltd ABN 52 097 227 177 AFSL 245631, trading as Allianz Global Assistance on behalf of the underwriter, Allianz Australia Insurance Limited ABN 15 000 122 850, AFSL 234708. In arranging this insurance Heritage Bank Limited (Heritage) ABN 32 087 652 024 AFSL 240984 acts as an agent for Allianz and not as your agent. No advice is provided on this travel insurance or whether it is right for you.MasterCard Prepaid Management Services Australia Pty Limited (ABN 47 145 452 044, AFSL 386 837) arranges for the issue of the Multi-currency Cash Passport in conjunction with the issuer, Heritage Bank Ltd (ABN 32 087 652 024, AFSL 240 984).

You should consider the Product Disclosure Statement for the relevant Cash Passport available at before deciding to acquire the product. MasterCard and the MasterCard Brand Mark are registered trademarks of MasterCard International Incorporated. Terms, conditions, limits and exclusions apply. To decide if these products are appropriate for you, please read and consider the relevant Product Disclosure Statement or the Guide to Heritage Deposit Products (available in branch or by calling 13 14 22). 

* Based on a $150,000 loan over 25 years. WARNING: This comparison rate is true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate.