Currency converter

Use our money converter to check the current exchange rate for the 10 foreign currencies that you can load onto your Travel Money card at any one time⁴. Then load and lock in exchange rates on those supported currencies, or load AUD to use worldwide wherever Mastercard® is accepted².

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Qantas Pay currency converter

See the foreign exchange rates of the currencies you can lock in with Qantas Pay.

Load rates

Currency conversion tips

Keep an eye on the exchange rates with our currency conversion tool, we will also offer from time to time some limited time currency discounts - so keep an eye on your email.

When spending in a currency that is not loaded or insufficiently loaded on your card, no international transaction fee or currency conversion fees will be charged, and the currency will convert at the Qantas Pay Daily Rate⁵.

Learn more about currency calculator

A currency converter is an online tool that can help you work out the value of your Australian currency in the foreign currency you need. It uses the market rates to calculate what Australian Dollars you’ll be spending, in whatever country you’re spending it in.

Foreign currency is calculated with exchange rates. An exchange rate is how much it costs to exchange one currency for another. These fluctuate all the time as they are traded on the foreign exchange market. The exchange rate is based on the market price of a currency at that time e.g. USD$1 could be worth AU$1.5.

When you make a transfer or check the exchange rate given on your Qantas Pay card, the rate will be different to the market rate and will show you how much you will get if you transfer onto your card³.

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Important Information

You must be a Qantas Frequent Flyer member to earn points. A joining fee may apply. Membership and points are subject to the Qantas Frequent Flyer program terms and conditions.

Qantas Pay is issued by EML Payment Solutions Limited ('EML') ABN 30 131 436 532, AFSL 404131. Consider the Product Disclosure Statement (PDS), Financial Services Guide (FSG) and Target Market Determination (TMD). Conditions apply.

Mastercard and the circles design are registered trademarks of Mastercard International Incorporated.

Qantas Pay is a prepaid Mastercard® payment facility (previously known as Qantas Travel Money built into the back of the Qantas Frequent Flyer Membership Card.) Qantas Travel Money is no longer available for sale. To be eligible to receive the Qantas Pay card, you must be an Australian resident Qantas Frequent Flyer member 16 years of age or older. EML Payment Solutions Limited ('EML') ABN 30 131 436 532, AFSL 404131 (the Issuer) issues Qantas Pay under arrangements between it, Qantas Airways Limited (AFS representative number 261363) and Mastercard Prepaid Management Services Australia Pty Ltd (AFSL 386837) (a Mastercard business). Mastercard Prepaid Management Services Australia Pty Ltd distributes Qantas Pay (together with Qantas which is an authorised representative of Mastercard Prepaid Management Services Australia Pty Ltd for the purposes of providing general financial product advice with respect to Qantas Pay).

Mastercard Prepaid Management Services Australia Pty Ltd and Qantas earn foreign exchange revenue from Qantas Pay transactions. Mastercard Prepaid Management Services Australia Pty Ltd receives a processing fee from domestic Qantas Pay "point of sale" transactions. Qantas receives revenue generated by Qantas Pay transactions based on interchange fees paid to the Issuer, deposits held by the Issuer, cardholder fee and certain rebates and incentives from Mastercard Asia Pacific/Pte Ltd.

This information is not personal advice and has been prepared without taking into account your objectives, financial situation or needs and you should consider the appropriateness of the Qantas Pay facility having regard to those matters. A Product Disclosure Statement (PDS) in respect of Qantas Pay is available here. A person should obtain and consider the PDS before making any decisions about whether to acquire or continue to hold the prepaid facility. Consider Target Market Determination (TMD) and Financial Services Guide (FSG) available here.

Membership and the earning and redemption of Qantas Points are subject to the Qantas Frequent Flyer Terms and Conditions. Eligible purchases exclude, but is not limited to, money orders, traveller’s cheques, gambling chips or purchasing foreign currencies in cash. You do not earn Qantas Points when loading funds to your facility, transferring funds to another currency balance or another member’s facility or when withdrawing funds from ATMs or cashing out your facility balance. Purchases that are reversed, refunded or charged-back are also ineligible for Qantas Points earn, in addition to fees incurred. Qantas Points are earned as follows: 1.5 Qantas Points per AU$1 spent in foreign currency and 1 Qantas Point per AU$4 spent in Australian dollars. Qantas Points are calculated using the Qantas Pay Daily Rate as defined in the PDS, and may vary daily. For more information see qantasmoney.com/qantas-pay or contact Mastercard Qantas Pay Global Support.
Qantas Pay is unable to be used for purchases related to gambling or adult entertainment. Currently Qantas Pay cannot be used in the following countries and geographical regions due to sanctions that are currently in place: Crimea, Iran, North Korea, Sudan, Syria, Donetsk and Luhansk. If you attempt to withdraw cash from an ATM or use your Card at merchants in any of these countries and geographical regions, your request will be declined. Additionally, all Mastercard cards will not work at Russian merchants or ATMs. In addition, ATMs or POS terminals may not be owned or operated by the Issuer or Mastercard Prepaid Management Services Australia Pty Ltd and the Issuer and Mastercard Prepaid Management Services Australia Pty Ltd are not responsible for ensuring that merchants will accept the Qantas Pay card. For example, the Issuer and Mastercard Prepaid Management Services Australia Pty Ltd cannot control when an ATM or POS terminal is due for maintenance or is faulty or if a merchant chooses not to accept the Qantas Pay card. In such cases, your Qantas Pay card may not function properly or may be declined. For more information please see the Product Disclosure Statement at qantasmoney.com/qantas-pay-pds
Exchange rates for initial loads and subsequent reloads made using Bank Transfer, BPAY or Instant Load via qantasmoney.com/qantas-pay will be set at the prevailing exchange rate set out at qantasmoney.com/qantas-pay at the time you request the load provided the transaction is settled within four hours. Different exchange rates apply for loads initiated directly via Bank Transfer or BPAY using your Unique Payment Details (i.e. not via qantasmoney.com/qantas-pay). If you initiate a load or reload via Bank Transfer or BPAY using your Unique Payment Details, the exchange rate applied will be the prevailing exchange rate at the time the funds are received into your facility. For more information on how exchange rates are set and applied, please see the Product Disclosure Statement.
The currencies supported are detailed on the currencies page or in the PDS.
A foreign exchange rate will apply to foreign exchange transactions in accordance with clause 7 of Part B of the Qantas Pay PDS which can be found here.
Some ATM operators may charge a withdrawal fee. In addition, if relevant a foreign exchange rate may be applied in accordance with clause 7 of Part B of the Qantas Pay PDS which can be found here.
Other terms and conditions and fees and charges may apply.
Terms and conditions apply. Visit mastercard.com.au for details.
Some merchants and ATM operators may charge their own fees and set their own limits.
For an example of how this fee is applied please refer to section 6 Part A of the Qantas Pay PDS which can be found here. You may be charged other fees by third parties in relation to Instant Load transactions (for example, fees charged by your financial institution).
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.
The Qantas Money app is owned and operated by Qantas and supported on iOS13+ and Android 6+.