EUR card in Australia: What are the options? [2023]

If you’re planning a trip to Europe you might be wondering about the best way to get a EUR card before you head off to make it easier and cheaper to spend euros while you’re away. Using a EUR card can also help you manage your travel money budget and access better exchange rates – but which euro cards are best to pick?

This guide walks through all you need to know, including a look at how EUR cards from providers like Wise and Revolut can help you get a better deal on your overseas spending.

Go To Wise
Go To Revolut

What is a EUR card?

EUR card is a card that can be used conveniently for spending and withdrawals in euros. These cards are also called multi-currency cards and they usually come with other currencies available too. You’ll be able to top up your account in AUD or the currency of your choice based on the specific provider’s options, and convert to euros before you travel. That means you can plan your budget in advance, and lock in exchange rates before spending.

What is a EUR card good for?

Getting a EUR card is a great bet if you’re headed to any of the 20 European countries which use the euro.

It can make it safer for spending while you’re away as you won’t need to carry a lot of cash – and your travel money account isn’t linked to your regular bank account so even if you were unlucky enough to have your card stolen, the thieves won’t have access to your main AUD funds.

Using a euro card while you’re away can also cut the costs of currency conversion, and allow you to get a better exchange rate. You’ll be able to add money in AUD and switch to euros when you spot a good rate – and some card providers also offer better rates compared to the banks, as well.

Pros and cons of EUR card


  • Cards can often be used for EUR and a range of other currencies
  • Some providers offer preferential exchange rates to card holders
  • Using a travel money card when you’re abroad can be safer than relying on cash or your normal card
  • It’s usually free to spend currencies you hold in your account
  • You can avoid currency exchange stores and simply make cash withdrawals on arrival in your destination


  • Different accounts come with their own fees which can include monthly charges or currency conversion costs
  • Not all cards can support EUR, so you’ll need to make sure the one you pick is suitable
  • Topping up your card might incur a fee, depending on how you make your payment

5 best EUR cards in Australia

The good news is that there’s a pretty wide choice of EUR cards you can get from Australia. Let’s look at our top 5 picks so you can decide which is right for you.


Open your Wise account online or in-app, to hold and exchange 50+ currencies. Order your Wise card for a low one time fee, and top up for free in AUD.

Then convert to EUR using the mid-market rate and low, transparent fees for simple spending when you travel. You can get local account details for EUR and 9 other currencies to get paid fee free, and you can also send payments to 80+ countries.


  • Currency conversion fees from 0.41%, with the mid-market rate
  • Convert in advance or let the card automatically switch to euros as and when required
  • No monthly fees or minimum balance


  • Some transaction fees apply, including ATM fees once you’ve exhausted your fee free allowance
  • No cash top up options

Read a complete Wise review here

Go To Wise


You can open a Revolut account or choose to upgrade to an account with more features, for a monthly fee of up to 24.99 AUD. All accounts come with the option to hold and exchange EUR, and linked physical and virtual cards for easy spending. Depending on the account you hold you can get some fee free currency conversion, too, with relatively low fees once your plan allowance is exhausted – 0.5% in most cases. A couple of other charges might apply, including an out of hours conversion fee of 1% which you’ll want to watch out for.


  • Choose the account plan that suits your needs
  • All accounts have some fee free currency conversion
  • Physical and virtual card options


  • Fees apply for the most feature packed account tiers
  • Out of hours fees of 1% apply when converting currencies at night and at the weekend

Read a complete Revolut review here

Go To Wise


Travelex is a well known currency conversion service, which offers its Travel Money Card to hold 10 currencies and conveniently switch between them when you need to. It’s free to get a card online and free in store if you top up in a foreign currency – if you’re adding money in AUD instead you’ll pay up to 15 AUD when you add funds. Travelex has no ATM fees, but there’s an inactivity fee if you don’t use your card frequently and still have a balance.


  • 10 major currencies supported
  • Order online or in a store, to collect instantly
  • Free wifi is available


  • 10 AUD closure fee, plus 4 AUD/month inactivity fee if your card isn’t used in 12 months
  • Currency conversion may include a markup on the mid-market rate

Read a complete Travelex review here


Travelex Travel Money Card

Go To Travelex

Australia Post

Australia Post has a Travel Platinum Mastercard you can use to hold, spend and exchange 11 currencies conveniently. There’s no fee to get a card and no fee to spend currencies you hold, although you might pay a fee to top up, depending on how you’d like to add funds. You can manage your account online easily and also access other handy perks like free wifi and easy ways to send money from one AusPost card to another.


  • Up to 11 currencies supported
  • Free wifi when you top up 100 AUD
  • Instant transfers from one AusPost card to another


  • Local and international ATM fees apply
  • Currency conversion may include a markup on the exchange rate applied


CommBank’s travel money card supports 13 major currencies, and is free to get. There’s no fee to top up, but you might find that the exchange rates used to switch over to EUR includes a markup – this is an extra charge rolled into the rate. ATM fees apply, and there’s a 3% foreign transaction fee if you spend in a currency you don’t hold, or if you don’t have enough balance in the required currency to cover your purchase.


  • No order fee
  • There are free ways to load funds
  • 13 currencies supported


  • 3% foreign transaction fee if you don’t have the currency you need
  • ATM fees apply when you withdraw

Where can I use a EUR card?

A currency card allows you to pay in the local currency when you travel, without incurring extra costs. A EUR card is perfect if you’re headed off to any of the 20 countries which use euros, as you can top up in AUD and switch over to EUR in advance so you know your budget in the local currency. Some cards also offer the option to convert at the point of payment, which means you don’t need to worry about getting set up in advance.

EUR card in Australia

All of the EUR cards we have profiled above can be used in Australia too – but you might find that fees apply. If you don’t hold an AUD balance in your account and you use your EUR card here at home, for example, you might pay a conversion fee to switch back from euros to dollars.

Costs of getting a EUR card in Australia

Each provider will have their own fees for euro cards – which can vary pretty widely. It’s important to review the costs in detail before you pick a card as the charges applied may be quite different to using a regular debit card. You might find fees to top up, for example, and different charges for spending and withdrawing in different currencies.

EUR card fees

Here’s an overview of the fees applied on the EUR cards we picked out earlier, to give you a bit of a picture. Other charges may also apply, so do check out the provider you’re choosing carefully.

Provider Wise Revolut Australia Post Travelex CommBank
Get a card 10 AUD No extra fee No fee No fee when loading with foreign currency No fee
Add money Free to add money in 10 currencies Free from debit cards and bank accounts in Australia Free by bank transfer, 1% BPay, 5 AUD by debit card Free online for foreign currency load No fee
Account maintenance fee None 0 AUD – 24.99 AUD/month None None; inactivity fee applies No fee
Spend in EUR – Free to spend currency you hold

– Convert  currencies from 0.41%

  • Free to spend currency you hold
  • Some fee free currency exchange to plan limits
  • Free to spend currency you hold
  • Exchange rate which may include a markup
  • Free to spend currency you hold
  • Exchange rate which may include a markup
Free to spend currency you hold
ATM withdrawal 2 withdrawals, to 350 AUD in value free every month Standard accounts: 350 AUD/month free, 2% after that 2.95% in Australia, 3.5 AUD overseas No fee 3.5 AUD

What exchange rate will be used?

You’ll likely need to convert currencies at some point when you use your EUR card, so the exchange rate you get matters. If you top up in AUD and convert to EUR, getting a bad rate will mean less to spend in the end. Different providers have their own approaches to calculating the exchange rate. Wise offers mid-market rates, and has a transparent fee which is split out, starting from 0.41%, for example. Revolut account holders can all convert some funds fee free, but the amount you can convert might be limited depending on your account tier. Once you’ve exhausted your allowance you’ll pay a fair usage fee of 0.5%, plus 1% out of hours costs if relevant. Other providers may take a different approach, adding a markup or foreign transaction fee when you convert or spend in a foreign currency.

How to get a EUR card in Australia

All the providers we’ve looked at above allow you to order an EUR card online or through an app. You can also walk into a branch with some providers to pick up a card – such as Travelex. You’ll need to have a suitable form of ID to get your card – usually a passport or driving license, and you might be asked to provide your proof of address as well. Once you’ve ordered your card it’ll arrive in the post shortly after.

Check out the EUR card order process for the provider you prefer, so you can prepare everything that’s needed.


EUR cards are extremely useful for travellers – and can also be handy for people who shop online with retailers based in Europe. Get your euro card in advance from Australia, add AUD and convert to euros so you’ve got your travel money sorted and can see and manage your budget easily. Depending on the provider you pick you might also find you get better exchange rates and lower overall costs compared to using your standard bank card overseas. Options like Wise and Revolut offer easy ways to hold and convert dozens of currencies, to make travel cheaper and easier.

Other international cards


What are the benefits of using a EUR card?

Using a EUR card when you’re in any of the 20 euro countries can mean you get a better exchange rate and lower overall fees. You’ll also be able to manage your budget in euros easily.

Are EUR cards available in Australia?

Yes. You can get a EUR card from a service like Travelex or Australia Post – or pick an online specialist provider like Wise or Revolut for a card and account that offers even more features.

How much does a EUR card cost?

Most EUR cards have low or no initial fees, but you’ll need to look at the transaction costs that apply when you use your card. These costs include fees for topping up, ATM withdrawal charges and inactivity or closure fees.

Claire Millard
Fintech copy and content writer
Claire Millard is a content and copywriter with a specialty in international finance. Her work has featured in The Times and The Telegraph, as well as industry magazines and leading personal finance blogs.
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Ileana Ionescu
Content manager
With a background in business journalism, Ileana is an experienced content manager, creating content for Exiap that helps its audience make informed decisions about their finances.
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Last updated
November 1st, 2023