At TMCU we can offer you a comprehensive range of products and services to take care of all your foreign exchange needs

  1. It is recommended that you always take more than one type of payment - some local cash, a Cash Passport Card, and a credit or a debit card. That way, if you have difficulty with any of your products (e.g. your credit card is not accepted or the magnetic stripe is damaged), you will have an alternative payment method. Use a Cash Passport card for your day to day expenses, and a credit or debit card for major purchases.

  2. As a basic rule of thumb, if your destination has a good ATM network, take most of your travel funds on a Cash Passport card. Cash Passport is ideal for most tourist destinations, including the UK and Europe, USA, Canada, South East Asia, Japan, New Zealand and Australia.

  3. Get your foreign exchange before you leave home - exchange rates at home are usually better than overseas.

Cash Passport™ Platinum Mastercard®

Simply outsmart travel money. Load up to 11 currencies and use it at millions of locations worldwide everywhere Mastercard is accepted. Load, spend and top up your card on the go, so you’re always in control.

• Load up to 11 currencies on one card+ – currencies include USD, EUR, GBP, NZD, CAD, SGD, JPY,THB, HKD, AED, AUD.

• Lock in exchange rates* – Lock in exchange rates and know exactly how much you have leave to spend*.

• No foreign transaction fees^ – Pay no foreign transaction fees while travelling when you load your Cash Passport with one of the 10 international supported currencies and transact in the same currency^

• Free global Wi-Fi=- Stay connected across a million Boingo hotspots.

• Accepted at millions of locations worldwide - Spend fluently wherever Mastercard is accepted instore, online and ATMs.

• Manage your travel money on the go - Track spend, reload, or move money between currencies online, anywhere, anytime.

• 24/7 global assistance - Help is a call away whenever and wherever you are

• Replacement Card & Emergency Cash# – If your card is lost, we can send a replacement card out to you while you’re travelling. We can also provide emergency cash while you wait for your replacement to arrive#


1. Safer and more secure than cash
Cash Passport offers 24/7 Global Assistance. If you lose your wallet, simply call us. Sometimes, these things happen. We’ll quickly organise a replacement card, free of charge and help you get emergency cash# so you can keep enjoying your holiday.

2. Keep track of your travel money
‘My Account’ lets you manage your money wherever you are, like reloading your card and transferring between currencies. Shop with confidence knowing exactly how much you have to spend, or simply load more funds with the advantage of locked-in exchange rates*. Load up to 11 currencies: USD, EUR, GBP, NZD, CAD, SGD, JPY, THB, HKD, AED, AUD+.

3. Convenient and Contactless
Enjoy the freedom of travelling the world with just one card. Eat, shop or play wherever Mastercard® is accepted or withdraw from ATMs along the way, just as you would with your bank card at home. Quicker than cash, contactless payments can save you time when tapping with Cash Passport.


1. Free global Wi-Fi=.
Get internet access via millions of Boingo hotspots globally. Get 3 months’ Boingo membership every time you top up your Cash Passport with $100 AUD or foreign currency equivalent.

2. Share or transfer your travel money. Transfer instantly, from your Cash Passport to another Cash Passport issued in Australia or New Zealand in available currencies. Cash Passport can be purchased in store. Just be sure to have your Australian driver's license or passport ready. Once you have a Cash Passport, you won’t look back.

If You Are Sending Money Overseas


Drafts are the cheapest form of sending money overseas and can be sent by mail. The receiver generally has to pay the draft into an account, and it may take a few days to clear.

Telegraphic Transfers 

Telegraphic Transfers are normally used to directly credit accounts overseas, and are a quicker method of sending funds than drafts.

If You Receive Cheques From Overseas

Subject to acceptance, TMCU will convert Foreign Exchange Currency Cheques into Australian Dollars. So, if you receive a Cheque from overseas, you can have them converted into Australian Dollars subject to an extended cheque clearance period of 35 days and our International Cheque conversion fee, refer to current Fees & Charges Schedule.

Why choose Transport Mutual Credit Union?


Mastercard Prepaid Management Services Australia Pty Ltd (ABN 47 145 452 044, AFSL 386 837) arranges for the issue of the Cash Passport™ Platinum (“Cash Passport”) in conjunction with the issuer, Heritage Bank Limited (ABN 32 087 652 024, AFSL 240 984). You should consider the Product Disclosure Statement for Cash Passport available at before deciding to acquire the product. Any advice does not take into account your personal needs, financial circumstances or objectives and you should consider if it is appropriate for you.

Mastercard® is a registered trademark, and the circles design is a trademark of Mastercard International Incorporated.

+ Before you make a decision to acquire the card, please check for the latest currencies supported.

*Lock-in your exchange rates means the exchange rate is locked in for the initial load only. The exchange rates for subsequent reloads will be set at the prevailing exchange rate at the time of the transaction.

^Pay no foreign transaction fees on purchases when travelling, when you load your Cash Passport with one of 10 international currencies supported by the product, and transact in that same currency.

= T&Cs apply. Wi-Fi is provided by Boingo hotspots. Visit and for more information.

# T&Cs apply. Customer must contact Customer service to report lost or stolen card. Emergency cash can be arranged up to the balance on your Cash Passport, subject to availability of funds at the approved agent location.