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Our fees and limits

FeesLimitsOther Cash Passport Product

Fee	Amount
Debit Card Load fee (including Initial Loads and Reloads) Additional to any other applicable fees	0.5% of the amount loaded, per Debit Card Load transaction
Administrative fee (in-store only) When you purchase your card and load or reload in-store, with the help of customer service representative	Up to the greater of 1% or $10 of load/reload amount
Domestic ATM fee Each time you withdraw cash from an ATM in NZ	$4 *
International ATM withdrawal fee (outside NZ) Each time you withdraw cash from an ATM outside of NZ	Specific fees per currency apply – see PDS for mor detail*
Currency Conversion Fee When you transact in a currency that is not loaded on your Card, or when there are insufficient funds in a currency and another available Currency/ies is used to fund the transaction.	5.95% of the transaction value.
New card (online via web)	FREE
Load/Reload (online using Bank Transfer or Bill Payment)	FREE
Additional card (back-up card at time of purchase) or Replacement card (lost or stolen)	FREE
Cash out – (online only)	FREE
Domestic and International card to card (when you transfer money from/to an NZ or AU Cash Passport)	FREE

*Some ATM operators may charge an additional withdrawal fee.

Please refer to the PDS for further information about fees applicable to the product

Limit	Amount
Maximum number of Cards you may hold in your name at any one time (not including any linked additional card that you may have purchased).	One
Maximum amount per load/reload	NZD$25,000 or currency equivalent
Maximum Bank Transfer or Bill Payment Reload amount per day	NZD$25,000
Maximum Debit Card Load amount in any 24 hour period	NZD$15,000
Maximum Debit Card Load amount in any 7 day period	NZD$30,000
Maximum Debit Card Load amount in any 30 day period	NZD$60,000
Maximum you can withdraw from ATMs in any 24-hour period (some ATM operators may set their own withdrawal limits which may be lower than this limit)	NZD$3,000 or currency equivalent
Maximum value of point of sale (POS) transactions performed in any 24-hour period	NZD $15,000 or currency equivalent
Maximum balance allowed at any one time across all currencies	NZD$75,000
Maximum amount you can load across all currencies during a 12-month period	NZD$75,000
Minimum amount per load/reload	NZD$250 or currency equivalent
Maximum cash you can withdraw over the counter at a financial institution in any 24- hour period (some financial institutions may set their own withdrawal limits which may be lower than this limit).	NZD$400 or equivalent
Domestic card to card Maximum amount you can transfer to another New Zealand Cash Passport Platinum holder in any 24 hour period	NZD$20,000 or currency equivalent
International card to card Maximum amount you can transfer to an Australian Cash Passport Platinum holder (or any other overseas issued Cash Passport Platinum holder, if we make this available and notify you) in any 24 hour period.	NZD$20,000 or currency equivalent

Cash Passport purchased before 14th August 2018

To view full fees and limits click here

Important information to consider before carrying our your transaction

The Multi-currency Cash Passport™ (“Cash Passport”) and Cash Passport™ Platinum Mastercard® (“Cash Passport Platinum”) are unsecured debt securities issued by EML Payment Solutions Limited (company number 8079483) (“Issuer”). Cash Passport and Cash Passport Platinum are not guaranteed by any person. Before you make a decision to acquire a Cash Passport or Cash Passport Platinum, we recommend you read the applicable Product Disclosure Statement which is available free of charge here.

Mastercard® and the Mastercard Brand Mark are registered trademarks of Mastercard International Incorporated.

* The exchange rates set out in this website apply to reload transactions that are booked on this website only and that are settled within four hours. Subsequent card reloads will be processed at the then prevailing exchange rate on the day of the reload transaction, and will be locked in at that rate. You will be notified of the exchange rate applicable before you confirm your transaction using a particular reload method. When you book a transaction and load NZD or a foreign currency directly onto your card, you will receive the exchange rate notified to you in the "Today's Exchange Rate for Direct Currency Loads" table. Where you conduct a purse to purse transfer and transfer funds already loaded on your card into another currency, you will receive a different exchange rate than when loading funds directly onto your card. You will be notified of the applicable exchange rate before you confirm your purse to purse transaction which may be less favourable than the rate displayed in the "Today's exchange rate for Direct Currency Loads" table. We will provide you with settlement instructions at the time you book a reload transaction. Different exchange rates will apply to card loads and reload transactions in our partner locations or to reload transactions that are conducted directly via Bank Transfer or Bill Payment (i.e. without booking an online transaction). For more information on how we set exchange rates please see the Terms and Conditions.

Before you load or reload foreign currencies, please check www.cashpassport.co.nz for the latest currencies supported.

Please refer to the important information page to view the Product Disclosure Statement, terms and conditions and privacy policy.

~ T&Cs apply. Customer must contact Customer service to report lost or stolen card. Emergency cash can be arranged up to the balance on your Cash Passport, subject to availability of funds at the approved agent location.

# Flight Delay Pass is provided to you on the basis you are not in breach of Cash Passport MasterCard® Product Disclosure Statement and Terms & Conditions and your card remains open. It must not be sold in any way and Mastercard reserves the right to cancel the pass that are in breach of this policy. Access may not be available if the applicable lounge is full or near capacity at the full discretion of lounge staff. Access and use of the lounges is subject to its own terms and conditions. Mastercard reserves its right to amend or withdraw the Flight Delay Pass at any time and where possible, provide prior notice to you. Visit here for Terms and Conditions

** T&Cs apply. Minimum load applies. Refer to full T&Cs here.

^ Purchase Protection, Price Protection and E-Commerce Purchase Protection is provided under a group policy issued by AIG Insurance New Zealand Limited. Cover is available to Cash Passport Platinum Mastercard Cardholders (Eligible Person). Eligible Persons can claim under the Group Policy as third-party beneficiaries. If an Eligible Person wishes to claim, such claim will be subject to the eligibility criteria, terms, conditions, exclusions, limits and applicable sub-limits as further detailed in the terms and conditions for such coverage found at Cash Passport Platinum Mastercard Complimentary Insurance Terms and Conditions. In arranging these Insurances Mastercard Asia/Pacific Pte. Ltd. is acting as the master policyholder. Price Protection Insurance applies where the item’s purchase price is above NZD70

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