Best Australian debit card for overseas cash withdrawals?

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bernardblack

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Is Citi Plus still the best option for overseas cash? Obviously I haven't done a lot of international travel since 2019.

If I have to open some other account it might be time to get started, since we depart in five weeks.

(I'm set for FX-fee-free purchases, with a US Amex Gold backed with a Coles Rewards Mastercard and a Bundll account which charges to my Dragon Visa.)
 
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This is all much of a muchness really, when it comes to fee free debit cards. What are we talking about, a few cents here or there.

I have UB, MacQ, ING, BankW, Wise (AU and UK) and Santander (UK), but at the end of the day you use whichever card suits you at the time.
 
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Bankwest debit MC. Has worked as advertised in a couple of countries so far this year.

Can monitor it in the same app as my BW Zero MC credit card (which replaced the BW Plat MC credit card before the annual fee was due - which in turn had replaced the 28Deg card)
 
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Scarlett said:
Bankwest debit MC. Has worked as advertised in a couple of countries so far this year.

Can monitor it in the same app as my BW Zero MC credit card (which replaced the BW Plat MC credit card before the annual fee was due - which in turn had replaced the 28Deg card)
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28° MC is still going strong in this household. Everything we can goes on that when we’re OS! Obviously not particularly relevant for getting cash!

clifford said:
This is all much of a muchness really, when it comes to fee free debit cards. What are we talking about, a few cents here or there.

I have UB, MacQ, ING, BankW, Wise (AU and UK) and Santander (UK), but at the end of the day you use whichever card suits you at the time.
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Some have a few hoops and jumps to get the card provider OS ATM fee waived, but there’s really no excuse for the regular traveller to get one or more free debit cards that provide international fee free purchases AND ATM cash withdrawals (puts aside any local ATM access fees).
 
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Duffa said:
Must a VIP customer! I'm getting bugger all.
Will make contact tomorrow!!
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Check via the app by selecting your Transaction account and:

“I want to…” -> “View account and Interest details”

jkbaus said:
I get 2% as well.
Got both accounts earlier this year.
Definitely not a VIP 😀
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Yep, it published on the website.
www.macquarie.com.au

Transaction account

An everyday digital bank account that works around the world, with great variable rates and no Macquarie fees.
www.macquarie.com.au www.macquarie.com.au

There’s a sign up bonus for the Savings account, but still normally 4.25%.
 
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SYD said:
Check via the app by selecting your Transaction account and:

“I want to…” -> “View account and Interest details”


Yep, it published on the website.
www.macquarie.com.au

Transaction account

An everyday digital bank account that works around the world, with great variable rates and no Macquarie fees.
www.macquarie.com.au www.macquarie.com.au

There’s a sign up bonus for the Savings account, but still normally 4.25%.
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You are CORRECT! My mistake.
Mind you i only earned $26.81 last year and $8.22 this year because I keep it a minimum balance unless I'm overseas. Usually top it up with $2000-$5000 a time depending on where we are and which Michelin restaurant Mrs. Duffa has taken us to!!
Thank you for being on the money.
 
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Duffa said:
You are CORRECT! My mistake.
Mind you i only earned $26.81 last year and $8.22 this year because I keep it a minimum balance unless I'm overseas. Usually top it up with $2000-$5000 a time depending on where we are and which Michelin restaurant Mrs. Duffa has taken us to!!
Thank you for being on the money.
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I’d you have or open a Savings account, you can park the cash there!
 
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clifford said:
Doesn't the Wise UK account have the option to earn interest. They keep trying to prod me into it.
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That would be an improvement if true but the Oz Wise has zip, zilch, nada interest for the holder - AFAIK.

Meanwhile, Wise is earning interest on everyone else’s money.
 
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clifford said:
This is all much of a muchness really, when it comes to fee free debit cards. What are we talking about, a few cents here or there.

I have UB, MacQ, ING, BankW, Wise (AU and UK) and Santander (UK), but at the end of the day you use whichever card suits you at the time.
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A lot more than a few cents given many holiday trips are usually thousands (or tens of thousands) so a few % points ends up being potentially hundreds of dollars.
 
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elanshin said:
A lot more than a few cents given many holiday trips are usually thousands (or tens of thousands) so a few % points ends up being potentially hundreds of dollars.
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I read @clifford ‘s comment to mean there’s not much in it - so long as you have one of the Debit / Credit cards that don’t charge to use ATMs and don’t charge 3 or more % international tx fee.

It’s a small fraction of a % diff across those. Some of that is swings and roundabouts in the way VISA and MC set forex rates.
 
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