The smart way to access your money overseas
<p>We all know it takes more than simply packing to prepare for an overseas trip. When you’re in a foreign country, it’s essential to have your money ready for use at all times. However, converting your funds to the local currency can be a tricky process.</p>
<p>Before you go and spend your hard-earned cash on your holiday, doing a bit of homework can help you get the best value. There are many ways to access the currency of your destination, but which one is the safest, most convenient – and most competitive?</p>
<p>For Qantas Frequent Flyer members, travelling abroad is <span>easy</span> with <a href="https://www.qantasmoney.com/travel-money-card?alt_cam=au:cs:n:natcon::cs_jan_2020_natcon_:n:jancomp_native_over60:n:n&utm_medium=Native+Content&utm_source=&utm_campaign=Travel+Money&utm_content=-Native+Content-Travel+Money-Jan-2020">Qantas Travel Money</a>. <span>It’s the prepaid Mastercard<sup>®</sup> built into the Qantas Frequent Flyer card. </span>Wherever your journey takes you Qantas Travel Money is made for travel, and allows you to manage dollars, pounds<span>,</span> yen <span>and more </span>on the go while also reaping some serious rewards.</p>
<p><strong>The many benefits of Qantas Travel Money</strong></p>
<p>Keeping up with paper bills will be the least of your worries. With Qantas Travel Money you can load up to 1<span>0</span><span> foreign</span> currencies at any one time – including US and Canadian dollars, the UK pound, euro, Thai baht, New Zealand, Singapore, and Hong Kong dollars, Japanese yen and the UAE dirham, along with Australian dollars. Whether you’re on a budget or having an unexpected splurge, the card gives you the ability to manage your money effortlessly. Through the Qantas Money mobile app and website, you can top up, transfer funds and check your balance and transactions wherever you are.</p>
<p>Security is also not an issue – the chip and PIN security ensure that only you can access your funds. Dropped your wallet while roaming? You may temporarily lock your card and access emergency funds if it’s lost or stolen. Mastercard Zero Liability and the Mastercard Qantas Travel Money 24/7 Global Support also ensure your balance is protected against fraudulent transactions<sup><span>#</span></sup>.</p>
<p>Worried about fluctuating exchange rates? You can lock in the rates when you load <span>eligible </span>foreign currencies<sup><span>~</span></sup>, allowing you to skip on any conversion fees<sup><span>+</span></sup>. But if you run out of local funds during the trip, don’t fret – many more options are available. You can transfer between currencies, or simply tap on your loaded Australian dollars for any international transactions using the applicable daily rates wherever Mastercard is accepted.</p>
<p>Best of all, you can earn as you spend throughout your travel. The Qantas Travel Money card is the only prepaid card to reward you with Qantas Points whenever you make a transaction – for every dollar you splash out <span>on eligible overseas purchases</span>, you’ll earn 1.5 Qantas Points. And <a href="https://www.qantasmoney.com/travel-money-card/features-and-benefits?alt_cam=au:cs:n:natcon::cs_jan_2020_natcon_:n:jancomp_native_over60:n:n&utm_medium=Native+Content&utm_source=&utm_campaign=Travel+Money&utm_content=-Native+Content-Travel+Money-Jan-2020">the benefits</a> don’t end once you return to the land down under; use the card for your everyday purchases such as petrol and groceries, and get 1 Qantas Point for every $4 spent<sup><span>^</span></sup>. That’s more chances for you to grab flights, upgrades and retail savings!</p>
<p><strong>How Qantas Travel Money works</strong></p>
<p>Qantas Frequent Flyer members are eligible for a Qantas Travel Money enabled membership card, which can be <a href="https://www.qantasmoney.com/travel-money-card/how-it-works?alt_cam=au:cs:n:natcon::cs_jan_2020_natcon_:n:jancomp_native_over60:n:n&utm_medium=Native+Content&utm_source=&utm_campaign=Travel+Money&utm_content=-Native+Content-Travel+Money-Jan-2020">requested online or over the phone</a>. Once you receive and activate the card, you can start setting up your PIN as well as topping up funds.</p>
<p>You can load money onto the card in three convenient ways: bank transfer, BPAY, or through the Instant Load<sup><span>++</span></sup> option on the Qantas Money app<span> or website</span>.</p>
<p>After your card is loaded, you’re good to go. Monitor your balances, view your transaction history, update your details and cash out the funds on your card to your Australian bank account at any time via the Qantas Money website. You can also move money between different currencies or make an instant transfer to another Qantas Travel Money cardholder using the app or website.</p>
<p>Not yet a member of the loyalty program? Simply <a rel="noopener" href="https://urldefense.proofpoint.com/v2/url?u=https-3A__www.qantaspoints.com_join-2Dnow-3Fcode-3DQANTASMONEY-3Falt-5Fcam-3Dau-3Acs-3An-3Anatcon-3A-3Acs-5Fjan-5F2020-5Fnatcon-5F-3An-3Ajancomp-5Fnative-5Fover60-5Fapply-3An-3An-26utm-5Fmedium-3DNative-2BContent-26utm-5Fsource-3D-26utm-5Fcampaign-3DTravel-2BMoney-26utm-5Fcontent-3D-2DNative-2BContent-2DTravel-2BMoney-2DJan-2D2020&d=DwMFaQ&c=8bHjhITO0F85Cmi91C_4TA&r=VZNrATyhWBTQcl9OeoHIQCTfBJmb1wno-A00OW7Hz-k&m=qN2hgx_xAncZ8OnABwdMztPW1NqB6bpjWX_bdtieQYI&s=oT2YmIWrKk94r6wWt0XfI4r8e-SnYF6CdfmNwV0s0d4&e=" target="_blank">apply</a> for complimentary Qantas Frequent Flyer membership with the option of Qantas Travel Money.</p>
<p><a href="https://www.qantasmoney.com/travel-money-card/competition?alt_cam=au:cs:n:cm::cs_jan_2020_cm_:n:jancomp_native_over60:n:n&utm_medium=Content+Mktg&utm_source=&utm_campaign=Travel+Money&utm_content=-Content+Mktg-Travel+Money-Jan-2020-100k+competition-NA-Lifestyle+image-NA-Over+60s">Activate Qantas Travel Money</a> for the chance to win a share of $100,000. Ten lucky winners will receive $10,000 loaded onto their Qantas Travel Money card, with 10 foreign currencies to choose from<span>*</span>.</p>
<p><em>This is a sponsored post written in partnership with Qantas Travel Money.</em></p>
<p><sub><span>Qantas Travel Money is a prepaid Mastercard® payment facility built into the back of the Qantas Frequent Flyer Membership Card. To be eligible to receive the Qantas Card with the option of Qantas Travel Money you must be an Australian resident Qantas Frequent Flyer member 16 years of age or older. Before you can use Qantas Travel Money you must activate the facility on your Qantas Card. Apply to activate your facility by visiting<a href="https://t.e.qantas.com/r/?id=h64de174a,1d6f1f21,1d6fd488"> qantastravelmoney.com/activate</a>. Heritage Bank Limited (AFSL 240984) (the Issuer) issues Qantas Travel Money under arrangements between it, Qantas Airways Limited (AFS representative number 261363) and Mastercard Prepaid Management Services Australia Pty Ltd (AFSL 386837) (a Mastercard business). Mastercard Prepaid Management Services Australia Pty Ltd distributes Qantas Travel Money (together with Qantas which is an authorised representative of Mastercard Prepaid Management Services Australia Pty Ltd for the purposes of providing general financial product advice with respect to Qantas Travel Money). Mastercard Prepaid Management Services Australia Pty Ltd can be contacted at customercare@qantastravelmoney.com. Mastercard Prepaid Management Services Australia Pty Ltd and Qantas earn foreign exchange revenue from Qantas Travel Money transactions. Mastercard Prepaid Management Services Australia Pty Ltd receives a processing fee from domestic Qantas Travel Money "point of sale" transactions. Qantas receives revenue generated by Qantas Travel Money transactions based on interchange fees paid to the Issuer, deposits held by the Issuer, cardholder fee and certain rebates and incentives from Mastercard Asia/Pacific Pte. Ltd. This promotion has been prepared without taking into account your objectives, financial situation or needs and you should consider the appropriateness of the Qantas Travel Money facility having regard to those matters. A Product Disclosure Statement (<a href="https://t.e.qantas.com/r/?id=h64de174a,1d6f1f21,1d6fd48%39">PDS</a>) in respect of Qantas Travel Money is available via <a href="https://t.e.qantas.com/r/?id=h64de174a,1d6f1f21,1d6fd48a">qantastravelmoney.com</a> and will also be given to applicants. A person should obtain and consider the <a href="https://t.e.qantas.com/r/?id=h64de174a,1d6f1f21,1d6fd48b">PDS</a> before making any decisions about whether to acquire or continue to hold the prepaid facility. Mastercard is a registered trademark, and the circles design is a trademark of Mastercard International Incorporated.</span></sub></p>
<p><sub><span># Terms and conditions apply. Visit <a href="http://qantasfw.custmta.com/re?l=D0Is48wutI7u4fn3iIp">www.mastercard.com.au</a> for details.</span></sub></p>
<p><sub><span>~ Exchange rates for initial loads and subsequent reloads made using Bank Transfer or BPAY via <a href="https://urldefense.proofpoint.com/v2/url?u=http-3A__qantasfw.custmta.com_re-3Fl-3DD0Is4fivaI7u4fn3iI15ITk3qytudj-26s-3DGEFNHDBEJDGDLOMD&d=DwMFaQ&c=8bHjhITO0F85Cmi91C_4TA&r=0Tl85br3MHBkj8NCJCeX3fXhNyMapEVVE3s17e9cD_8&m=PyZ4yWexHFoJDjSyZ9VFbCKLZg2QX-unN18UfF4X1KQ&s=MifVuA6jLKnEoNbYh7dv1QfLT8ududgjeA0mIbjI6Xc&e=">qantastravelmoney.com</a> will be set at the prevailing exchange rate set out at <a href="https://urldefense.proofpoint.com/v2/url?u=http-3A__qantasfw.custmta.com_re-3Fl-3DD0Is4fivaI7u4fn3iI16ITk3qytudj-26s-3DGEFNHDBEJDGDLOMD&d=DwMFaQ&c=8bHjhITO0F85Cmi91C_4TA&r=0Tl85br3MHBkj8NCJCeX3fXhNyMapEVVE3s17e9cD_8&m=PyZ4yWexHFoJDjSyZ9VFbCKLZg2QX-unN18UfF4X1KQ&s=Ka0lFsparkC8E9jf7sgba2TZH-EICFp5Y8yNf_uyh-c&e=">qantastravelmoney.com</a> at the time you request the load provided you settle the transaction within four hours. Different exchange rates apply for loads initiated directly via Bank Transfer or BPAY using your Unique Payment Details (i.e. not via <a href="https://urldefense.proofpoint.com/v2/url?u=http-3A__qantasfw.custmta.com_re-3Fl-3DD0Is4fivaI7u4fn3iI17ITk3qytudj-26s-3DGEFNHDBEJDGDLOMD&d=DwMFaQ&c=8bHjhITO0F85Cmi91C_4TA&r=0Tl85br3MHBkj8NCJCeX3fXhNyMapEVVE3s17e9cD_8&m=PyZ4yWexHFoJDjSyZ9VFbCKLZg2QX-unN18UfF4X1KQ&s=6yJl2nc1YnyAdfv60WmXmsBF5-wvC_rkqwL-qBd60FY&e=">qantastravelmoney.com</a>). For more information on how exchange rates are set and applied, see the <a href="https://urldefense.proofpoint.com/v2/url?u=http-3A__qantasfw.custmta.com_re-3Fl-3DD0Is4fivaI7u4fn3iI18ITk3qytudj-26s-3DGEFNHDBEJDGDLOMD&d=DwMFaQ&c=8bHjhITO0F85Cmi91C_4TA&r=0Tl85br3MHBkj8NCJCeX3fXhNyMapEVVE3s17e9cD_8&m=PyZ4yWexHFoJDjSyZ9VFbCKLZg2QX-unN18UfF4X1KQ&s=bqdwlX_cnaBEQEtXB9qLJTPGRh7nePX8CRcegqWJizM&e=">PDS</a>.</span></sub></p>
<p><sub><span>+ A foreign exchange rate will apply to foreign transactions as set out in the PDS. Other fees and charges may apply. </span></sub></p>
<p><sub><span>^ Eligible purchases do not include money orders, traveller’s cheques, gambling chips, adult entertainment, purchasing foreign currencies in cash or the making of payment(s) towards any credit cards, loans or other financial debt that is not incurred with respect to goods and services. You will not earn Qantas Points when transferring funds to another currency balance or another member’s facility, when withdrawing funds from ATMs, cashing out your facility balance or for over the counter withdrawals. Purchases that are reversed, refunded or charged-back are also ineligible for points earned, in addition to fees incurred. Qantas Points are earned as follows: 1.5 Qantas Points per AU$1 spent in foreign currency and 1 Qantas Point per AU$4 spent in Australian dollars. Qantas Points are calculated using the Qantas Travel Money Daily Rate as defined in the PDS, and may vary daily. For more information see <a href="http://qantastravelmoney.com/">qantastravelmoney.com</a> or contact Mastercard Qantas Travel Money Global Support.</span></sub></p>
<p><sub><span>++ Fees and charges may apply. See the <a href="https://urldefense.proofpoint.com/v2/url?u=http-3A__qantasfw.custmta.com_re-3Fl-3DD0Is4fivaI7u4fn3iI19ITk3qytudj-26s-3DGEFNHDBEJDGDLOMD&d=DwMFaQ&c=8bHjhITO0F85Cmi91C_4TA&r=0Tl85br3MHBkj8NCJCeX3fXhNyMapEVVE3s17e9cD_8&m=PyZ4yWexHFoJDjSyZ9VFbCKLZg2QX-unN18UfF4X1KQ&s=U1TStY6nb0a7zTV3lWn6JgNZIi0W1Lg_LGZ7HSq9rZc&e=">PDS</a>.</span></sub></p>
<p><sub><span>* Promoter: Qantas Airways Limited. Eligible Entrants: Australia resident Qantas Frequent Flyer members aged 18 years or over. Promotion Period: 12:01am (AEDT) 13 January 2020 - 11:59pm (AEDT) 29 February 2020. Entry: Eligible Entrants must successfully activate Qantas Travel Money for one entry and/or load AU$1,500 equivalent in foreign currency onto Qantas Travel Money for fifteen entries. Draw: 2:00pm on Tuesday 17 March 2020 at MDSA, Level 17, 40 Mount Street, North Sydney NSW 2060. Prize: 10 x $10,000 (equivalent in foreign currency). The funds will be credited to the winner's Qantas Travel Money facility within four weeks from the date the winner confirms their chosen currency with Qantas. Maximum total prize pool: AU$100,000. Winner notification: By email or phone within 2 business days of the draw. Winner's names will be published online at <a href="http://qantastravelmoney.com/competition">qantastravelmoney.com/competition</a> from Tuesday 24 March 2020 and in The Australian newspaper on Tuesday 24 March 2020. For full competition terms and conditions go to <a href="http://qantastravelmoney.com/competition-terms">qantastravelmoney.com/competition-terms</a>. Authorised under permit numbers: NSW Permit No. LTPS/19/40397, ACT Permit No. TP19/04759 & SA Licence No. T19/2037.</span></sub></p>