With Qantas Cash® you can load up to 11 currencies# including Australian Dollars, and lock in the exchange rate until you’re ready to use the funds.

Simply lock in the rates below by loading foreign currency via the Qantas Cash website, or via the Qantas Cash mobile app. Other foreign exchange transactions will have different rates. These transactions include moving funds between currencies; moving funds to a different currency on another person’s facility; or when cashing out funds.


Today's Exchange Rates for loading funds

Currency Rate
CAD Canadian Dollar 0.9041
JPY Japanese Yen 83.0938
HKD Hong Kong Dollar 5.412
NZD New Zealand Dollar 1.0445
EUR Euro 0.6126
SGD Singapore Dollar 0.9739
GBP Great British Pound 0.4536
USD United States Dollar 0.7021
THB Thai Baht 24.2264
AED UAE Dirham 2.5112
Currency Converter

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Spending between currencies

Qantas Cash helps you cut down on unnecessary foreign currency exchanges when you’re travelling so you save money and spend more time seeing the sights.

Although you may load more than one currency on Qantas Cash, the funds on your card will be treated as a single pool of funds in instances where you do not have funds available in the currency of a transaction. This means you can have peace of mind that, if you don’t have enough of any particular currency loaded on your card to cover transactions in that currency, funds will be retrieved from the balances of your other loaded currencies in the default order of priority to fund the transactions. Buy and load funds now with our multi currency card.

The default order of priority is;

1. AUD 2. USD 3. GBP 4. EUR 5. THB 6. NZD 7. SGD 8. HKD 9. CAD 10. JPY 11. AED

Jonathan is in Japan and has 4500 Yen on his card along with $100 Canadian dollars. Jonathan wants to buy an item in Japan for 6000 Yen but doesn't want to transfer between wallets himself as he has limited time. He realises he has other currencies on his card so he makes the purchase knowing that his CAD will fund the difference in JPY.

As a currency conversion is required to convert funds from Canadian dollars to yen so that the purchase can be completed, Jonathon will be charged a currency conversion fee^. If multiple currencies were converted to fund the transaction, the currency conversion fee would be charged for each exchange. 

Want to know more about spending between currencies? See our FAQs


Don't have the currency you need?

Currently we have 11 currencies that you can buy and load onto your card. If you have multiple currencies loaded on your Qantas Card, the applicable currency will automatically be used for the country in which you make your transaction. If you have not converted funds to the applicable currency, the funds will be retrieved from the balances of your other loaded currencies in the default order+ of priority to fund the transaction. As a currency conversion will be required to fund the transaction, a currency conversion fee will apply.^

If you are visiting a country which uses a currency other than one of the 11 available currencies on your Qantas Card, you can still use your card to make a purchase~. The transaction will be debited from balance of your other loaded currencies in the default order+ of priority to fund the transaction.

Sarah has a stopover in Vietnam when she’s coming back from London and wants to buy a souvenir at the airport, with her Qantas Card with Qantas Cash, as she has some funds left to spend.

Although she doesn’t have Vietnamese Dong on her card, she can still use it for the transaction, as her card will automatically convert British Pounds to Vietnamese Dong. As a currency conversion will be completed to fund the transaction she will be charged a currency conversion fee^.

So no matter where you travel, you can relax because your Qantas Card with Qantas Cash is accepted at millions of MasterCard® locations worldwide~, and you’ll always have the currency you need#


The default currency of Qantas Cash is Australian Dollars. Default currency means the currency which will be loaded when you deposit directly from your bank account via Bank Transfer and BPAY®, without loading funds first via the website.

If you’re travelling for a long period of time, you can change your default currency to any of the nine other currencies available on your Qantas Card. If you change the default currency, funds will be loaded to the currency conversion from Australian Dollars to your nominated default currency, with no currency conversion fee.  The foreign exchange rate applicable at the time the load is processed will apply



To be eligible to receive the new Qantas Card with the option of Qantas Cash you must be an Australian resident Qantas Frequent Flyer member 16 years of age or older. Other terms and conditions and fees and charges may apply. Heritage Bank Limited (AFSL 240984) (the Issuer) issues Qantas Cash under arrangements between it, Qantas and Access Prepaid Australia Pty Ltd (AFSL 386837) (a MasterCard business) (Access). Access distributes Qantas Cash (together with Qantas which is an authorised representative of Access for the purposes of providing general financial product advice with respect to Qantas Cash). Access can be contacted at

Access and Qantas earn foreign exchange revenue from Qantas Cash transactions. Access receives a processing fee from domestic Qantas Cash "point of sale" transactions. Qantas receives revenue generated by Qantas Cash 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 webpage has been prepared without taking into account your objectives, financial situation or needs and you should consider the appropriateness of the information in this webpage having regard to those matters. A Product Disclosure Statement in respect of Qantas Cash is available via, and will also be given to applicants. A person should obtain and consider the Product Disclosure Statement before making any decisions about whether to acquire or continue to hold the prepaid facility.

# The currencies supported are detailed on currencies page or in the PDS

* Exchange rates for initial loads and subsequent reloads made using Bank Transfer or BPAY via will be set at the prevailing exchange rate set out at at the time you request the load provided you settle the transaction 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 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.

^ Refer to fees page or PDS for details about the currency conversion fee.

+ The default order of priority is: 1. AUD, 2. USD, 3. GBP, 4. EUR, 5. THB 6. NZD, 7. SGD, 8. HKD, 9. CAD, 10. JPY and 11. AED.

Qantas Cash is unable to be used for purchases related to gambling or adult entertainment. Currently Qantas Cash cannot be used in the following countries and geographical regions due to sanctions that are currently in place: Crimea, Iran, North Korea, Sudan and Syria. 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. In addition, the ATMs and POS terminals are not owned or operated by the Issuer or Access and the Issuer and Access are not responsible for ensuring that merchants will accept the Card. For example, the Issuer and Access cannot control when an ATM or POS terminal is due for maintenance or is faulty or if a merchant chooses not to accept the Card. In such cases, your Card may not function properly or be declined. For more information please see the Product Disclosure Statement.

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