When do international transaction fees apply?

We apply a foreign transaction fee for:

  • All transactions effected in foreign currency or occurring outside Australia whether effected in a foreign currency or Australian dollars
  • All transactions in Australia (for example online) where the merchant, or the financial institution or entity processing the transaction, is located overseas.

No foreign transaction fees apply for Platinum or World customers. Other fees and charges may apply, including when using overseas ATMs.

Transactions in Australian dollars with an overseas connection

In some cases, overseas merchants will allow you to pay in Australian dollars ($AUD). This is still considered an international transaction because your transaction is processed overseas.

Although a merchant might have a ‘.com.au’ website address and displays prices in Australian dollars it doesn’t necessarily mean they are located in Australia or process payments in Australia. It’s best to check with the merchant before you pay if you are unsure.

You can view the merchant location for each transaction, this can be found next to the transaction listing on your monthly credit card statement.

Here are some well known merchants that process some online and telephone card transactions overseas.

Popular merchants that process transaction overseas 

Merchant  Where they process some payments 
Adobe  Ireland 
Aliexpress  UK
Amazon Marketplace UK and Luxembourg
Amoma.com Hotels France
Ancestry.com.au Ireland 
Bookdepository.com UK
Cheapoair UK
Coinbase UK and Luxembourg
Digamma Malta
Edreams Spain
Etsy Ireland 
Facebook Ireland 
Flyscoot.com Greece
Godaddy USA
Google UK
IHERB Netherlands
Playstation Network UK
Rentalcars.com UK
Royal Caribbean USA
Skype UK and Luxembourg
Thai Airways Thailand
Viagogo Event Tickets USA and Switzerland
Vistaprint Netherlands
Wish.com USA

Need more help?

You can message us in the Bankwest App or online banking, or call us – we're here 24/7.