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Using your ANZ cards overseas

What you need to know about using your ANZ cards and accounts while you’re overseas, including at ATMs.

Benefits

Low currency conversion charge

Our low currency conversion charge of 1.3% of the NZD amount applies to foreign transactions, including cash withdrawals from overseas ATMs1.

Pay no ANZ overseas ATM fee

We don't charge an overseas ATM fee when using your ANZ Visa Debit or EFTPOS card for withdrawals from everyday and savings accounts, but other banks or financial institutions may charge a fee for using their ATM.

Pay no overseas cash advance fee

We don't charge an Overseas Cash Advance fee when using your ANZ credit card at an ATM or in-branch (staff-assisted). Cash Advance interest rates still apply.

How you can use your cards overseas

  • You can use your ANZ credit3 and ANZ Visa Debit6 cards to make purchases in most countries. This includes Apple Pay4 or Google Pay™7 wherever contactless payments are accepted, however we recommend you take your plastic card as a backup.
  • When using an ANZ Visa Debit card at an overseas EFTPOS terminal, press 'Credit', instead of ‘Cheque’ to access the linked everyday account. 
  • If you have an ANZ EFTPOS card, you can use your card to withdraw cash at ATMs displaying the Plus logo (as printed on the back of your EFTPOS card) using money in your everyday account. Overseas transactions limits and currency conversion charges apply1.

In some countries, there are differences in how transactions are processed:

  • United States – You may need to enter a five-digit ZIP code along with your PIN. Add a zero after your New Zealand postcode (e.g. 7011 becomes 70110).
  • European Union – You may not be asked to enter a PIN due to different terminal settings.

Your ANZ Visa Debit or credit card will not work in these countries due to ANZ’s Sanctions Policy:

  • Cuba
  • Iran
  • North Korea
  • Syria

For more information see our Sanctions Policy (PDF 154KB).

The New Zealand government’s Safe Travel website provides official guidance for New Zealanders travelling or living overseas, including accessing funds while travelling.

ANZ Airpoints™ Visa Platinum

With an ANZ Airpoints Visa Platinum:

  • You can make purchases and earn Airpoints Dollars™ with no limit on the number of Airpoints Dollars you can earn
  • If you pay for at least half of your pre-paid travel expenses on this card, you may be eligible for Overseas Travel Insurance5 for your trip (terms, conditions, limits, sub-limits, exclusions apply)
  • Save $255 with no joining fee to the Koru club and a special discount of $145 off the standard 12 month individual Koru membership fee
  • Enjoy Visa Concierge and many other Visa offers.
ANZ Airpoints Visa Platinum
Overseas Travel Insurance

ANZ Visa Debit

With an ANZ Visa Debit card, you can:

  • Use it in most countries where Visa is accepted
  • Shop online or in store while overseas
  • Withdraw cash at ATMs using money in your everyday account. Overseas transaction limits and currency conversion charges apply
  • Set up Apple Pay4 or Google Pay7 and pay with your device at a contactless terminal.
More about ANZ Visa Debit

Using ATMs overseas

  • You can use your ANZ credit, ANZ Visa Debit or EFTPOS cards at any ATM displaying the Visa or Plus logo. 
  • Select Cheque or Savings if available. Otherwise, the ATM will access the linked everyday account. 
  • Be aware when checking account balances on screen or on a receipt. Some ATMs will display your balance in NZD while some may display it in local currency.
  • The transaction amount for an overseas ATM withdrawal may change slightly between the time you withdraw the money and when the bank processes it, due to fluctuations in the foreign currency rate.
  • Cash Advances may not be available at some ATMs when using your ANZ credit card, if you have a linked transactional account. Visit a bank branch displaying the Visa logo instead.

For more details, see our ANZ Credit Card Conditions of Use (PDF 267KB) and ANZ EFTPOS card and ANZ Visa Debit card Conditions of Use (PDF 163KB).

To find an ANZ ATM in Australia or the Asia-Pacific region, you can use the Find a branch or ATM feature in the ANZ goMoney mobile app2, or zoom into a location on our Find an ANZ branch or ATM page.

Protecting your money while overseas

Find out how to manage your card settings, block or cancel your cards in the ANZ goMoney mobile app2, and other tools to help protect your money.

Protecting your money while overseas

You might be interested in

Mobile wallets

Make contactless purchases using your compatible phone or device via Apple Pay4 or Google Pay™ 8. Mobile wallets are easy to set up and simple to use.

Mobile wallets

Contactless payments

ANZ Visa Debit and credit cards offer contactless payment technology – so paying for your everyday purchases is quick, secure and convenient.

Contactless payments

Foreign exchange rates

Check indicative foreign currency exchange rates. See how the New Zealand dollar is tracking against major currencies.

Foreign exchange rates

Important information

This material is for information purposes only. Please talk to us if you need financial advice about your situation and goals before getting a financial product. To talk to one of our team at ANZ, please call 0800 269 296. See our financial advice provider statement (PDF 39.8KB).

1.

For more information on overseas transaction limits see Debit cards, and for more information about currency conversion charges, refer to the 'Cards' section in our Fees and Charges (PDF 166KB).

2.

Eligibility criteria and terms and conditions apply to the ANZ goMoney app, Internet Banking, Phone Banking, Voice ID and Pay to Mobile. For details, see our ANZ Electronic Banking Conditions (PDF 138KB).

3.

Lending criteria, terms, conditions and fees apply to all ANZ credit cards. See rates, fees and agreements for more information.

4.

Apple, the Apple logo, iPhone, iPad, Apple Pay and Touch ID are trademarks of Apple Inc. registered in the US and other countries and regions. App Store is a service mark of Apple Inc. Eligibility criteria and terms and conditions apply to Apple Pay. For more information see Apple Pay with ANZ.

5.

Terms, conditions, limits, sub-limits, exclusions (such as age limitations) and eligibility criteria apply to ANZ Premium Card Travel Insurance. A copy of the terms and conditions that apply to ANZ Premium Card Travel Insurance are on the ANZ Overseas Travel Insurance page, or ask for a copy at any ANZ branch. ANZ Premium Card Travel insurance is issued and managed by AWP Services New Zealand Limited trading as Allianz Partners (NZBN 9429035270157) under binder with and on behalf of Mitsui Sumitomo Insurance Company, Limited (NZBN 9429039809810, FSP Number 20661) (Incorporated in Japan) as the underwriter. You should read the Policy Wording and consider obtaining independent legal or financial advice before making any decisions about this insurance.

6.

You must be 13 years or over to apply for an ANZ Visa Debit card.

7.

Google Pay™ is a trademark of Google LLC. Terms and conditions apply (PDF 74KB) to Google Pay, see Google Pay for more information.

8.

Android™ and Google Pay™ are registered trademarks of Google LLC. Terms and conditions apply to Google Pay, see Google Pay for more information.