Help and support Travel Money Card

You can load any of the following currencies onto your card. You can only load one at a time.

Euro, US dollar, Australian dollar, Canadian dollar, New Zealand dollar, Thai baht, UAE dirham, Turkish lira, South African rand, Swiss franc, Polish zloty, pound sterling, Chinese yuan, Czech koruna, Danish krone, Hong Kong dollar, Hungarian forint, Japanese yen, Norwegian krone, Saudi riyal, Singapore dollar or Swedish krona.

This depends on where you’re going and if the card supports the currency used there.

If it does, we recommend loading the local currency.

If it doesn’t, we recommend loading pounds sterling instead. You can still use it to pay for things but a 3% cross-border fee will be applied to each transaction.

Yes. It's a multi-currency card supporting 22 different currencies in all. So you can top up with any of them, any time.

You payment will always be taken in the local currency of the country you're in. If you have that currency loaded onto your card then that will be used. For example, if you have euros loaded and you spend in Spain, it will deduct money from your euro balance.

If you have only US dollars loaded and you spend in Spain, we'll move the correct amount of US dollars to your euro balance to allow you to spend in euros. This all happens as part of the transaction.

If you're spending in a country whose currency the card doesn't support, eg Malaysia, the payment will be taken from your pounds sterling wallet. A 3% cross-border fee will apply if you're using the card in a country whose currency the card doesn't support.

No, you can spend in a different currency without moving money to it. We’ll automatically move funds from another currency for you to authorise a transaction.

If you prefer, though, you can move money between currencies yourself, in two ways:

1. In our travel app

Download the free Post Office travel app:

Download from Apple App Store

Download from Google Play

Use the ‘Swap’ button to move money between currencies.

2. In your online account

Log into your account and select ‘Swap currency.’

If we don't offer the currecny of the country you're in we'll take the money from your pounds sterling wallet to pay. For this reason we always recommend you load sterling if you're going somewhere whose currency the card doesn't support, such as Malaysia.

Know the fees and charges that may apply:

• 1.5% commission on GBP top-ups (minimum £3, maximum £50)
• 3% cross-border fee if paying in a currency the card doesn’t support

Yes, you can use your credit card to:

• Load money when you first order your card
• Top up with any supported currency at any time

Keep in mind your credit card provider might charge a cash advance fee. These can apply when using your credit card for:

• Cash withdrawals at ATMs or banks
• Equivalent transactions like buying currency in branch, online or at the airport

These fees are usually a percentage of what you spend. To avoid them, use a debit card instead. You won't be charged a fee when using your Post Office Credit Card.

Yes, the following limits apply for all currencies the Travel Money Card supports.

• Minimum top-up: £10
• Maximum top-up: £5,000
• Maximum top up transactions: 3 per day
• Maximum balance: £10,000 at any time
• Maximum annual balance: £30,000

There aren’t too many fees to worry about when you buy travel money from Post Office. But sometimes a few charges may apply. Details of when fees would apply are listed here:

• Load fee: If you load pounds sterling on to your card rather than a foreign currency, you’ll pay a 1.5% commission (minimum £3, maximum £50)
• Cash withdrawal fee: If you use your card to withdraw cash at an ATM (including Post Office branches), you’ll be charged a cash withdrawal fee. For example, it's £1.50 per transaction in the UK but this fee varies depending on the destination. You can find more information on your card’s terms or conditions or on our website. Some ATMs may also charge their own fee, which should be displayed on the ATM screen
• Cross-border fee: If you use your card in a country where the local currency isn’t supported by the card, you’ll be charged a 3% cross-border fee
• Dormancy fee: If you have money left on your card 12 months after it expires, you’ll be charged a £2 each month until the balance is zero or you request a refund

There are no spending limits, but there is a maximum transaction limit of 40 per day.

We have to authorise your card immediately, which means a small number of locations may not be able to accept it. This includes some road toll booths and on board cruise ships or aeroplanes. Please check the Travel Money Card terms and conditions for further information.

Your Travel Money Card might not work in places where payments with it can't be authorised immediately, such as:

• Cruise ships
• Planes
• Toll roads

Transactions on board will usually be declined as they cannot authorise the payment immediately.

You cannot use the card for:

• All UK gambling transactions
• Any online gambling, including sports betting, online casinos, and lotteries
• Money transfers
• Adult service websites
• Recurring payments such as direct debits and subscriptions
• Business purchases such as stock and merchandise (not including business-related travel)

We also don't recommend using your card for:

• Car hire deposits
• Hotel check-in deposits

These involve large initial deposits that tie up the funds you've loaded and stop you spending them on other things.

Yes, you can withdraw cash from your Travel Money Card at any ATM that accepts Mastercard. Cash withdrawals are limited to £300 per day.

Withdrawal fees

Cash withdrawal fee: If you use your card to withdraw cash at an ATM (including Post Office branches), you’ll be charged a cash withdrawal fee. For example, it's  £1.50 per transaction in the UK but this fee varies depending on the destination. You can find more information on your card’s terms or conditions or on our website. Some ATMs may also charge their own fee, which should be displayed on the ATM screen

You'll also find these fees on the welcome letter that came with your card.

Some ATMs may also charge you. Their charges should always be displayed on the ATM screen. 

We charge a small fixed fee for cash withdrawals. This fee depends on the country. Check our terms and conditions for the full list of fees.

Some ATMs may charge their own extra fees in addition to ours, these should be displyed on the ATM screen. You might need to approve these before you get your cash.

You can avoid paying repeated fees by taking out bigger amounts less often.

We always recommend you withdraw cash in the local currency and don’t choose to pay in sterling or accept an ATMs currency conversion.

We don't recommend checking the available balance on your card as it will show a sterling amount and your card may have foreign currency on it.

We recommend you only use the app or the website to check your available balance.

There are limits on the total amount and number of times you can withdraw per day:

• £300 maximum
• 3 withdrawals maximum

If an ATM didn’t give you cash, here’s what to do:

• Wait at the ATM for 5 minutes. Sometimes they’re just a bit slow
• If you still don’t get your cash, call us as soon as you can

Call us on:

0344 335 0109

or

+44 20 7937 0280 from abroad

Lines open 24/7

If the ATM doesnt work please try and find another as the issue is likely with the ATM. If you have problems at multiple ATMs please call us.

Call us on:

0344 335 0109

or

+44 20 7937 0280 from abroad

Lines open 24/7

If you’ve forgotten your details, follow these steps:

1. Go to the login screen and select “Forgot your details?”
2. Choose what you want to reset and follow the on-screen steps

To reset your password

1. Enter your email and memorable word
2. We’ll send you a one-time code (OTP) to check it’s you
3. Use the code to reset your password

If you forgot the email used for your account

1. Tell us your first name, last name, date of birth and postcode
2. We’ll send a reminder to the email linked to your account

To reset both your password and memorable word

• If you have a Travel Money Card, tell us your email, name, date of birth, postcode, any card number and the passport or UK driving licence you used to set up your account
• If you don’t have a Travel Money Card, just tell us you email, name, date of birth and postcode

If you enter the wrong password, email and passcode combination three times your online account will be locked.

If that happens, you can still use your card and the travel app, but you’ll need to contact us to get into your online account.

Call us on:

0344 335 0109

or

+44 20 7937 0280 from abroad.

Lines open 24/7

Try logging out of the app and back in again. If it's still not working, try deleting the app and downloading it again. If that still doesn’t solve it, give us a call and we’ll look into it.

Call us on:

0344 335 0109

or

+44 20 7937 0280 from abroad.

Lines open 24/7

If you card has expired it can no longer be used.

We may have tried to send a new card, depending on when you last used it. If you haven't receieved a new card and would like to continue using the product please give us a call and we can get a new card sent to you.

Please call us on:

0344 335 0109

Lines open 24/7

If you don't get a new card and your existing card has a balance on it, you should log into your online account or call us to get a refund.

If you still have a balance 12 months after the card has expired we'll charge a fee of £2 per month until there is no balance left. This doesn't apply if your card has been renewed.

There are a few reasons your card might have been declined.

First, check you have enough funds on for sure and top up in the app if needed. If you do have enough, here’s what else to check:

• If it’s your first payment, it must be with Chip and PIN, not contactless
• Make sure the activation sticker and any sticky bits are removed from the card and chip
• Don’t swipe your card: use chip and PIN or tap (after the first chip-and-PIN payment)
• Check if the shop or place you’re paying accepts MasterCard
• Have you entered a wrong PIN three times? If so, you'll need call us to unblock your card and reset your PIN

If none of this helps, call us and we’ll look into it.

Call us on:

0344 335 0109

or

+44 20 7937 0280 from abroad.

Lines open 24/7

Remember, sometimes the issue is with the shop or their internet connection, not your card.

Cards are blocked to keep your account secure. Most often, this is because the wrong PIN has been entered three times or more. If yours has been blocked, please call us and we'll look into it.

Call us on:

0344 335 0109

or

+44 20 7937 0280 from abroad.

Lines open 24/7

Firstly, make sure you've used the card with chip and PIN first. Your first transaction must involve the card.

Check with the retailer if they accept digital payments and whether they have any limits in place.

Try using the card. If you continue to have problems give us a call. We can help find out what's wrong.

Call us on:

0344 335 0109

or

+44 20 7937 0280 from abroad.

Lines open 24/7