Worldwide Wallet FAQs

A St.George Worldwide Wallet is a prepaid travel money card that can help you save on foreign transaction fees and give you control over your spending. With the St.George Worldwide Wallet, there are no load, reload or unload fees, or ATM withdrawal fees at Westpac Group ATMs and over 50,000 ATMs overseas.¹

Before you shop or travel, you can also choose to convert your loaded AUD into any of the following currencies: USD, EUR, GBP, CAD, JPY, THB, ZAR, SGD, NZD and HKD. By locking in your exchange rate in advance and knowing exactly how much of a foreign currency is loaded on your card, the St.George Worldwide Wallet can make it easy for you to stay on top of your spending. When you sign up to a St.George Worldwide Wallet, you’ll also get access to exciting Mastercard^® travel and shopping perks - Flight Delay Pass, Priceless^® Cities and Mastercard Travel Rewards. 

With the St.George Worldwide Wallet, you can avoid a 3% foreign transaction fee when you shop online in available currencies.

You can shop safely by loading only what you need into any of the following currencies: USD, EUR, GBP, CAD, JPY, THB, ZAR, SGD, NZD and HKD. By knowing exactly how much of a foreign currency is loaded on your card, you can stay on top of your spending.

To apply for a St.George Worldwide Wallet, you must be aged 14 years or older and be an existing St.George customer who is registered for Internet Banking. If you haven’t registered for Internet Banking, see this helpful guide to learn how to get started. If you’re new to St.George and would like to apply for a Worldwide Wallet, you’ll need to become a customer first by opening a St.George savings or transaction account and meeting our identification requirements. You can visit stgeorge.com.au/personal/bank-accounts/tools/customer-identification for more information on how we identify you. 

No, your Worldwide Wallet is a Mastercard prepaid card, so you’ll need to load money onto your account before you can use it. When you make a purchase or get cash out from an ATM, the amount is deducted from your available balance. As you can only spend what you have loaded onto your account, the Worldwide Wallet can help make it easier to be in control of your money.

You can load AUD into your Worldwide Wallet account instantly by transferring from your transaction or savings account in Internet or Mobile Banking. 

You can also transfer AUD from another financial institution by using your Worldwide Wallet’s BSB and account number. Please note, funds availability is dependent on the other financial institution’s cut off and processing times. We will make your funds available in your account within 1 Business Day from the time we receive instruction from the other financial institution. We are not responsible for processing interruptions or delays beyond our control.

If another St.George account holder transfers funds to your Worldwide Wallet, the funds will be available in your account within 1 Business Day from when the owner of the eligible St.George account receives confirmation that the transfer has been processed.

No, only AUD can be transferred onto your account. Once you have loaded AUD, you can choose to convert your funds at any time into any of the following foreign currencies: USD, EUR, GBP, CAD, JPY, THB, ZAR, NZD, SGD and HKD. 

We recommend you download our app as we may send you important notifications about your Worldwide Wallet while you are travelling. Using the St.George Bank Mobile Banking app makes it easy for you to get these notifications while you’re on the go. You can also use the app to:

• Instantly transfer AUD between your savings and transaction St.George account/s and your travel money card
• Convert between your loaded AUD and up to 10 different foreign currencies at any time to lock in your exchange rate
• View your currency balances and transactions
• Access your Worldwide Wallet account’s BSB and account number as well as your eStatements
• Block your card/s if they have been lost or stolen

If you’re new to Mobile Banking, learn more about how to get started.

Yes, you can withdraw money or check your balance at overseas ATMs using your Worldwide Wallet. The balance displayed will be in the currency of the country you are visiting. You won’t pay an ATM withdrawal fee when using a Global ATM Alliance ATM.¹ However, fees may apply if you use an ATM outside of the Global ATM Alliance network.

If you have insufficient funds to complete a transaction in a currency loaded on your account, or the transaction is in a currency not loaded on your account, the transaction will be automatically processed by drawing down from another currency in your account (provided that there are sufficient funds available in one or more other currencies to complete the transaction). Funds will be withdrawn according to the drawdown sequence, and the applicable exchange rate will apply. See the Product Disclosure Statement (PDF 1MB) for the drawdown sequence.

You won’t be charged any ATM withdrawal fees or balance enquiry fees when you use a St.George, Westpac, Bank of Melbourne, BankSA ATM in Australia or a Global ATM Alliance ATM overseas.¹ Visit stgeorge.com.au/locator/ or use the ATM locator in our Mobile Banking app to find your nearest Westpac Group or Global ATM Alliance ATM.

If you use a non-Westpac Group ATM in Australia or non-Global ATM Alliance ATM overseas, ATM fees will apply. You can find out about the fees charged at the time of transaction on the ATMs.

If you have insufficient funds to complete a transaction in a currency loaded on your account, or the transaction is in a currency not loaded on your account, the transaction will be automatically processed by drawing down from another currency in your account (provided that there are sufficient funds available in one or more other currencies to complete the transaction). Funds will be withdrawn according to the drawdown sequence, and the applicable exchange rate will apply. See the Product Disclosure Statement (PDF 1MB) for the drawdown sequence.

Yes, you can tap your card or use your Worldwide Wallet in your Samsung Pay™ or Google Pay™ to pay at any terminal that accepts contactless Mastercard payments. You can also choose to swipe your card when making instore purchases wherever Mastercard is accepted. 

At this time, the Worldwide Wallet cannot be added to Apple Pay. 

Mastercard Flight Delay Pass is a service that offers you and companion complimentary access to over 1,000 airport lounges² in the event of a flight delay of two hours or more. You will need to register your flight at least six hours before travelling. If you are under 18 years old, you must be accompanied by an adult (18 years of age and older) to enter participating lounges. Please note to hold a Worldwide Wallet you must also be 14 years or over. Other terms and conditions apply. To learn more about Flight Delay Pass, pre-register your flight or read the T&Cs, please visit flightdelaypass.mastercard.com/worldwidewallet. 

Yes, the service is available to the main passenger (cardholder) and a (one) travel companion on the same flight. If you are under 18 years old, you must be accompanied by an adult (18 years of age and older) to enter participating lounges. Other terms and conditions apply.

You can continue to access your funds if you have your spare card handy. When travelling, it's a good idea to keep your cards separate.  For your security, the spare card should only be used by yourself, and not given to anyone else.

If you have funds loaded onto your card and you’ve used your account in the last 12 months to spend or make a balance enquiry or a withdrawal via an ATM on an account with loaded funds, your card will be automatically renewed prior to expiry, provided the card is not in any of the following of statuses at the time of renewal: Hold/Suspend, Potential Fraud, Fraud, Lost, Stolen, Replaced or Closed.

We’ll send you a new card approximately 90 days before your current card is due to expire.

Your contact details, including your correct mailing address, must be kept up-to-date in Internet Banking so we can send you your new card. After activating your new card, you will be able to access the funds in your Worldwide Wallet account.

Once your card expires, you will no longer be able to use it for purchases or cash withdrawals.

You’ll be able to view and download your monthly eStatements via Internet or Mobile Banking. After logging on and selecting your Worldwide Wallet account, select ‘Your e-Statements’ in Internet Banking or tap the ‘Statements’ tab in Mobile Banking. You will be able to access up to 13 months of your Worldwide Wallet statement history online.  Please note you may not be issued with a statement if you have closed your Worldwide Wallet account or you do not have any transactions during the statement period and/or have a zero balance.

As there are no inactivity fees, you can leave any leftover funds on your card ready for your next trip. You can also use your travel money card when you’re back in Australia. You can use it to:

• Shop online on international sites and pay zero foreign transaction fees on purchases
• Shop online on Australian sites or in-store in Australia
• Withdraw cash (in AUD or converted from any foreign currency you may have in your account) from any Westpac Group ATM or Global ATM Alliance partner ATM without having to pay any ATM withdrawal fees¹

Alternatively, you can transfer funds out of your travel money card account in AUD in Internet or Mobile Banking. For example, if you have USD in your account, you’ll need to first convert the USD to AUD before you can transfer your funds. Once your account balance is in AUD, you can then transfer your available balance to one of your St.George savings or transaction accounts.

Before you can close your account, you will need to convert any foreign currencies into AUD and transfer your available balance to your St.George savings or transaction account.

Alternatively, you can spend your remaining funds online/instore or withdraw funds from an ATM (which may be subject to currency conversion on withdrawal) wherever Mastercard is accepted. 

It’s worth keeping in mind that there aren’t any account keeping or inactivity fees, so you could also keep any money on your card ready for your next overseas holiday.

Worldwide Wallet transactions are shown in the time and date in St.Louis, Missouri, USA (GMT-6). Please make sure to keep this in mind when checking transactions in your account’s activity history. 

There are daily scheduled maintenance updates from 1.15am - 1.35am AEST, Monday – Saturday. During this time, you won’t be able to access foreign exchange rates for your Worldwide Wallet or convert currencies in your account. Apologies for any inconvenience this may cause.

The easiest way to activate your cards in four easy steps is to:

1. Visit www.stgeorge.com.au/worldwidewallet.
2. Select ‘I received my cards in the mail’ or ‘I picked up my cards in branch’.
3. Then, click ‘activate now’ to be redirected to the Internet Banking logon page. 
4. After logging on, follow the prompts to activate your card.

If you’ve received your cards in the mail, you can also follow the prompts in your account in Internet or Mobile Banking to activate them.