Using cards overseas
When you buy things and make cash withdrawals or cash advances in foreign currencies using your credit or debit card overseas, you’ll be charged a foreign currency service fee^. The fee is 2.25% of the transaction (in NZ dollars).
Making a cash advance
If you withdraw cash from your credit card (cash advance), interest accrues straightaway and you won’t earn any rewards on the amount you withdraw. Debit interest is charged on all cash advances from date of the transaction. For cash advances in foreign currencies, a foreign currency service fee will also apply.
How your currency is converted
Finding ATMs overseas
You can use your credit or debit card in most ATMs around the world, withdrawal charges apply.
Find the nearest ATM for your card wherever you are in the world with the following locators: