FAQs

What if I want to spend in a currency that is not loaded on my Worldwide Wallet?

If you have insufficient funds to complete a transaction in a currency loaded on your account, or the transaction is in a currency not loaded on your account, the transaction will be automatically processed by drawing down from another currency in your account (provided that there are sufficient funds available in one or more other currencies to complete the transaction). Funds will be withdrawn according to the drawdown sequence, and the applicable exchange rate will apply. See the Product Disclosure Statement (PDF 274KB) for the drawdown sequence.

The Mastercard® foreign exchange rate applies when the drawdown sequence is used and, effective 31 July 2025, a 2% margin will be charged by Westpac to your Worldwide Wallet card.