Best Australian debit card for overseas cash withdrawals?

[bernardblack]

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.)

 

[SYD]

I've got Up, Suncorp, Macquarie, ubank, ING, AMP Go, Wise and Revolut.

Macbank, UBank and ING are my go to options. Each much the much.

They all also work just fine as fee free debit cards when I can’t use 28° MC.

I have Wise but can’t imagine a single scenario where I’d want to cope the forex combined with low withdrawal limit at an ATM.

 

[I love to travel]

Bankwest and Macquarie for me work well

 

[bpc]

I've got Up, Suncorp, Macquarie, ubank, ING, AMP Go, Wise and Revolut.

and a big casefile at AUSTRAC

 

[SeaWolf]

I've been using Up, but I also have Macquarie and HSBC. The HSBC one is a bit funny with exchange rates, but it's my fallback card, in case I need a Visa.

 

[clifford]

How about ING? Both my wife and I have it and it seems fine.

 

[I love to travel]

How about ING? Both my wife and I have it and it seems fine.

ING cards seem to get hacked a lot in my personal experience, WIll never go with them again

 

[SYD]

ING cards seem to get hacked a lot in my personal experience, WIll never go with them again

How? Where?

Neither of us have ever had an issue using it for over 10 years or more.

 

[elanshin]

Macbank, UBank and ING are my go to options. Each much the much.

They all also work just fine as fee free debit cards when I can’t use 28° MC.

I have Wise but can’t imagine a single scenario where I’d want to cope the forex combined with low withdrawal limit at an ATM.

For wise wouldn't a Low cash requirement countries be possible ? Also isnt the spread generally better than most options atm.

 

[SYD]

For wise wouldn't a Low cash requirement countries be possible ?

Yes, but so would any of the other cards mentioned.

Also isnt the spread generally better than most options atm.

Very marginal from what I’ve read here.

 

[trendwhore]

Still using the Bankwest

 

[mel-world]

I'm a WISE convert. Easy. I find the rates really competitive.

 

[SYD]

I'm a WISE convert. Easy. I find the rates really competitive.

In the context of this thread and ATM cash withdrawals it’s a not a great option with a A$350 per month limit.

Unfortunately, many countries that still require cash have high ATM fees, so you want to take the most you can in one go to cover your costs. If travelling as two or more, one just goes to an ATM with one of the other cards mentioned earlier and withdraw enough for all and split the ATM provider fee. Easy peasy.

 

[HappyFlyerFamily]

All the above (ie bank debit cards) that have been mentioned except HSBC and AMP Go?! Have an HSBC but the T&Cs relating to exchange rate confuse the heck out of me for some reason. Just got an AMP Go, so might give it a whirl on my next overseas trip. My preferred debit cards at the moment are uBank (Visa) and Macquarie (Mastercard).

I use Wise in the scenario where the exchange rate was quite good prior and I exchanged prior to trip and use the money when paying for hotels at check-in/check-out, and paying for daily expenses in countries that accept card (use a digital card that can be "deleted" - can't remember the Wise terminology off-hand).