Overseas fees and charges.
Jetting off overseas? Here’s everything you need to know about the fees and charges for using any ME debit or credit card outside Australia.
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Things to keep in mind:
ATM fees.
Any time you use an ATM overseas, you might get hit with a usage fee. These are charged by the ATM owner and are out of our hands, but you’ll usually get a warning that you’re going to be charged.
Checking balances.
ME doesn’t charge a fee to check your balance at any ATM – but keep in mind there may be a fee charged by the ATM operator.
Overseas fees and charges
We won’t charge any fees for using your ME Visa debit card linked to your SpendME accounts overseas.
If you’re using a ME Mastercard debit or credit card outside of Australia, fees and charges will apply for the following products:
- Everyday Transaction Account
- Frank credit card
- InterestME Savings Account
- ME Bank Mastercard
Making purchases using your Everyday Transaction Account, Frank credit card, InterestME savings account or ME Bank Mastercard.
International transaction fee – 1.5%
Whenever you buy something in a foreign currency, you’ll be charged 1.5% of the purchase price. (If you pay in Australian dollars, this fee won’t apply.)
Mastercard cross-border fee – 0.8%
Any time you buy from a seller whose account isn’t held in Australia, you’ll be charged 0.8% of the purchase price.
Withdrawing cash using your Everyday Transaction Account, Frank credit card, InterestME savings account or ME Bank Mastercard.
International ATM withdrawals
These are charged at $4 per withdrawal (plus any fee charged by the ATM).
International transaction fee – 1.5%
When you withdraw cash in a foreign currency, you’ll be charged 1.5% of the amount you take out.
Mastercard cross-border fee – 0.8%
Any time you make a withdrawal from an overseas ATM, you’ll be charged 0.8% of the cash withdrawal price.
Cash advances using your Frank credit card or ME Bank Mastercard.
Cash advance fee
These are charged at $4 or 2% of the cash advance amount, whichever is more (plus any fee charged by the ATM).
International transaction fee – 1.5%
When you withdraw cash in a foreign currency, you’ll be charged 1.5% of the amount.
Mastercard cross-border fee – 0.8%
Any time you make a withdrawal from an overseas ATM, you’ll be charged 0.8% of the cash withdrawal price.
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