Budgetly cards can be used for overseas purchases anywhere Visa is accepted. Transactions are converted to AUD at the Visa exchange rate.
| Use case | Supported |
|---|---|
| Online purchases from international merchants | ✓ Virtual and physical cards |
| In-store purchases overseas | ✓ Physical cards (and virtual via mobile wallet) |
| ATM withdrawals overseas | ✓ Physical cards — subject to transaction limits |
International transaction fees
All overseas purchases are converted to AUD at the exchange rate set by Visa on the day the transaction is processed.
Tip: Use a physical card when travelling overseas for the most reliable experience.
Common questions
Does Budgetly charge its own exchange rate on top of Visa's?
No. Budgetly uses the Visa exchange rate directly.
Can I use my virtual card overseas?
Yes, for online purchases from international merchants. For in-store payments overseas, add your card to Apple Wallet or Google Wallet.
Are there ATM fees when withdrawing cash overseas?
ATM provider fees may apply in addition to Budgetly’s standard limits. Check with the ATM operator.