New Zealand's Complete Travel Money Card Guide
Independent comparison of 15+ travel cards. Real exchange rates, hidden fees exposed, comprehensive expert analysis.
Expert Reviews
Independent & unbiased analysis
Current Rates
Latest exchange rate analysis
15+ Cards Compared
Complete market coverage
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Top-Rated Travel Cards
Compare the best options for your next journey
Wise Travel Card
Wise
Revolut Travel Card
Revolut
ANZ Travel Card
ANZ Bank
Travel Money Card Market Analysis 2025
Latest rates, fees, and features comparison across all major providers
0.45%
Lowest Exchange Rate
Wise Multi-Currency
$0
Loading Fee
7 providers offer free loading
2.95%
Highest Rate Found
Traditional bank cards
15+
Cards Analyzed
Complete NZ market
Current Exchange Rate Comparison
| Provider | EUR Rate | USD Rate | Loading Fee | Rating |
|---|---|---|---|---|
| Wise | 0.45% above mid-market | 0.45% above mid-market | Free | |
| Revolut | 0.5% (weekdays) | 0.5% (weekdays) | Free | |
| ANZ Travel Card | 2.5% margin | 2.5% margin | 1.2% | |
| Westpac Airpoints | 2.8% margin | 2.8% margin | 2.0% |
Hidden Fees Exposed
Many providers don't clearly display all costs. Here's what they don't want you to know.
Bank Travel Cards
Loading fees: 1.2-2.0% on every top-up Exchange margins: 2.5-3.5% above mid-market rate ATM fees: $2.50-$4.00 per withdrawal plus 2.5% Inactivity fees: $2-5/month after 6 months
Total cost on $3,000 trip: $180-270 in fees
Specialist Providers
Loading fees: Free on most providers Exchange margins: 0.45-1% above mid-market ATM fees: $1.50-2.00 per withdrawal plus 2% Inactivity fees: None for most providers
Total cost on $3,000 trip: $40-90 in fees
Potential Savings: $140-180 per trip
By choosing the right travel money card over traditional bank options
Start Saving on Your Next Trip
Join thousands of smart travelers who save hundreds on exchange fees
Average savings: $140-180 per international trip
15+
Cards Analyzed
Latest
Market Data
100%
Independent