Travel Money Oz Key to the World Currency Card Review

This Travel Money Oz Key to the World Currency Card review will help you decide whether this is the card for you.

  • Lock in exchange rate.
  • Load up to 10 currencies.
  • Order online or in store for free.
  • Purchase insurance with card.
  • 24/7 customer service.
  • Use at any ATM that accepts MasterCard.

Since we wrote this review, Travel Money Oz have replaced the Key to the World card. Check out our review of the card they replaced it with, the Travel Money Oz Currency Pass.

Another important update: The Key to the World app has been replaced by the new Travel Money Oz app.

Pros and cons of using Key to the World Currency Card

  • Free card and initial load.
  • 24/7 global emergency assistance.
  • Automatically sent card when you purchase.
  • Covermore Travel Insurance
  • No back-up card.
  • $10 replacement card fee.

Benefits of the Key to the World Currency Card


  • Chip and PIN.
  • Not linked to your personal account, protecting your finances.


  • MasterCard contactless enabled under $100AUD.


  • Travel card free with Cover-More Travel Insurance.
  • Once activated, you can load both foreign currencies and AUD onto the card.

Manage Your Money

  • Load and reload at participating Flight Centre Travel Group stores, online or via BPAY.
  • View and manage your balances online.

Currencies and Countries

Currencies Supported

  • Australian dollars (AUD)
  • US dollars (USD)
  • Euro (EUR)
  • United Kingdom (GBP)
  • New Zealand dollars (NZD)
  • Hong Kong dollars (HKD)
  • Canadian dollars (CAD)
  • Singapore dollars (SGD)
  • Thai baht (THB)
  • Japanese yen (JPY)


Load Amounts

  • Minimum Load $100 (BPAY and Debit).
  • Maximum Load $10,000, $25,000 (via BPAY).


Transaction Limits

  • ATM Withdrawal Limit (24 hours) : AUD 3,000 (or currency equivalent).
  • POS Transaction Limit (24 hours): AUD 15,000 (or currency equivalent).


All prices are in AUD

Card Purchase & Initial Load Reload Funds Negative Balance
Free. Up to 1.1% of the total amount. $20


Foreign Currency Conversion* Inactivity Fee Replacement card
MasterCard rate + 5.95% of the transaction amount. Free $10


ATM Withdrawal Fees
AUD 3.50
GBP 2.00
NZD 3.50
HKD 18.00
THB 80.00
USD 2.50
EUR 2.50
CAD 3.50
JPY 260.00
SGD 3.50

Case Study

Nathan is looking to go bungee jumping in New Zealand. When looking at which insurance was best for his trip, he came across the Cover-More Travel Insurance. Not only could this insure him for his activities, but he also got a free Travel Money Oz World Currency Card and a Global Sim.

Not being the organised individual, Nathan always left it last minute to convert his AUD before his trips, but this seemed really easy and great value.

Nathan applied in his nearest Flight Centre Travel Group store before his trip, and got both the insurance and Travel Card. He loaded his Currency Card with sufficient NZD before departing Australia, knowing he could view, manage and reload all of his funds online – handy if he fancied a skydive as well!

Online Tools

Save time and let our online tools crunch the numbers for you.

Currency converter

Burning to know what the exchange rate is? Check today’s exchange rate on any amount.

View tool ⟶

Travel money comparison tool

Heading overseas? Find the best rates for exchanging currency online or find a store near you.

View tool ⟶

Knowledge centre

Learn the ins and outs of currency

View tool ⟶

Money transfer comparison tool

Finding the best deal can be nightmare. We bring together all your options by highlighting the fees and rates.

View tool ⟶

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
March 16th, 2020