As Australians, we love to travel. Almost 10 million of us took to the skies last year, mostly to our neighbours in New Zealand and Indonesia, but also further away to the US and Europe.

While we travel, we also need safe access to cash. It's not the most glamorous part of our travel plans, but it's equally important to decide on the best travel money option for us, so we're not left worried at any stage of our trip.

Here is a list of the 3 best Debit Cards you can take with you on your travels and the positives and negatives for each one.

Australian Prepaid Travel Cards

First of all, What are Travel Debit Cards?

Debit cards are a good alternative to carrying cash. They also offer the convenience of a credit card, but work differently.

When you use your debit card, you're drawing money directly from your bank account when you make a purchase. It's designed for everyday money transactions and means you're not accumulating debt.

Debit cards are a great option if you've saved money specially for your trip and if you want to budget your overseas spending. We also suggest bringing a back-up debit card and a separate credit card for peace of mind and greater flexibility on your trip.

Now, we don't like fees, so our list of the best debit cards to take on your trip feature little to no extra charges.

Best Value Travel Debit Card. Citibank Plus Everyday Account

Citibank Account​The Citibank Plus Everyday Account is our best value debit card. With this card you can:

Tickwithdraw money for free at over 3000 ATMs Australia-wide and overseas

Ticktake advantage of no foreign transaction fees, monthly fees, or minimum opening balance

Ticktransfer money to friends and family anywhere in the world for free

We think this is the ideal debit card whether you're staying local in Oz or travelling to destinations in Asia or Europe.

Pros Cons
Check MarkNo international ATM or transaction fees CrossCash deposits available within 24-48 hours
Check MarkFee-free international money transfers to any account worldwide CrossCan’t have two cards active at the same time
Check MarkSMS notifications through Citi Alert Cross$5 account closure

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Best No Fees Travel Debit Card. ING Orange Everyday Visa

ING Orange Everyday Debit CardThe ING Orange Everyday Visa is another debit card with little to no fees, but you need to meet certain conditions. They recently removed foreign transaction and ATM withdrawal fees making it even more tailored for travellers.

Although you have to deposit $1,000 and make 5 purchases per month to get a rebate for ATM fees, it's the only debit card that reimburses you for the fees that overseas ATM operators charge, which can be worth it.

This is a great card for savvy and organised travellers heading to popular holiday destinations.

Pros Cons
Check MarkNo overseas ATM fees, if you meet certain criteria CrossNeed to deposit $1,000 and make 5 purchases per month
Check MarkNo international transaction fees CrossNo branches, which can be inconvenient
Check MarkApple and Google Android Pay enabled and ING app CrossNo interest payments for transaction account

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Best Multi-Currency Travel Debit Card. HSBC Everyday Global Account

HSBC Everyday Global Debit Card

The HSBC Everyday Global Account makes bringing cash overseas stress-free and simplifies your overseas purchases by allowing you to hold multiple currencies in the single account. It's basically a debit card with the benefits of a prepaid travel card.

You can hold up to 10 currencies including AUD, USD, EUR, GBP, NZD, CAD, SGD, HKD, CNY and JPY.



Check MarkOne bank account number for loading multiple currencies CrossYou can only pre-load up to 10 currencies
Check MarkLock in up-to-the-minute exchange rates CrossCustomer service isn't great
Check MarkNo ATM or transaction fees

Go to the HSBC site

Helping You Save Money on Currency

Buying travel money or transferring money overseas can be expensive and confusing. So how do you make the best choice and get the most out of your money?

An easy way is to use a comparison table for either international money transfers or currency exchange. These tables list and compare the banks with other large foreign exchange companies.

We’ve also put together tons of helpful videosguides and reviews that will help you make the right decision. You can work out a cheaper way of converting currency while still keeping your money safe.