Australia Post Everyday Mastercard. The fees & need-to-knows

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Looking to find out about the Australia Post Everyday Mastercard? You’ve come to the right place!

In this article, we’ll give you all the details on this popular card including fees, features/benefits, limitations, eligibility requirements and more.

We’ll also compare the Australia Post Everyday Mastercard with the Wise Card, showing how you can save money on your international transactions¹.

Learn more about the
Wise Account and card

What is the Australia Post Everyday Mastercard

The Australia Post Everyday Mastercard is a prepaid card designed to help you keep on top of day-to-day spending. It can be used to shop both in-store and online and can be topped up online, in-app or at a participating Post Office.²

You can also use this card internationally wherever Mastercard is accepted. However, from 23 April 2026, the Australia Post Everyday Mastercard no longer supports loading or holding foreign currencies. All overseas transactions are automatically converted from AUD to the local currency at the time of purchase.³

Who is this card for?

This card is designed for everyday spending and budgeting, with features like Mastercard’s Zero Liability protection and cashless payments for added security.

If you want to stay in control of your spending and only use funds you’ve preloaded, this card could be a good option. It’s also suitable for online purchases and can be used internationally wherever Mastercard is accepted, although the exchange rates are a factor to consider — more on this later.³

What are the main features and benefits of this card

This card has several features and benefits that you’ll find useful when spending money day-to-day.

Here are the main features and benefits that you should look at before signing up²:

• Easy to keep on top of spending with the Australia Post Everyday Mastercard App
• Good fraud protection with no link to your bank account, plus Mastercard’s Zero liability protection to further protect against fraud
• Cashless spending with Tap and Go. This can be used anywhere you see the universal contactless symbol (e.g. restaurants, stores, you name it.)
• Compatible with Google Pay
• 24/7 global assistance, making it easy to order a replacement anytime in case of loss/theft
• Shop overseas wherever Mastercard is accepted

The cons of using this card

With pros there, of course, comes cons - here’s a list of points to bear in mind before signing up to an Australia Post Everyday Mastercard:

• Only able to load AUD (from 23 April 2026)
• No longer able to load or hold foreign currencies (from 23 April 2026)
• Overseas spending is converted from AUD at the Mastercard rate, not the mid-market rate
• Monthly management fee of $1.00/month (replacing the $2/year fee)⁵
• Domestic and International ATM Fees⁵

The limits you get with this card

There are limits to every card, and this one has a few you should be aware of⁶:

• The maximum balance is $50,000 AUD cumulative over a 12-month period (from 23 April 2026)
• The minimum load amount is $20 AUD

What are the fees for this card vs the Wise card

We’ve put together some information below detailing a few key points on the fees for the Australia Post Everyday Mastercard, in comparison to the Wise card.

This should help when comparing these two cards, with information displayed side-by-side:

*As seen on 15 April 2026

Please see Terms of Use and product availability for your region or visit Wise Fees & Pricing for the most up to date pricing and fee information.

Australia Post Everyday Mastercard exchange rate

Regarding the exchange rate used when you spend in foreign currency, the AUSpost Product Disclosure Statement document states that⁸:

The Spend Rate will apply to foreign exchange transactions in accordance with the Terms and Conditions. Spend Rate means the individual foreign exchange rate set and determined by Mastercard Prepaid applicable to foreign exchange transactions.

Accepting the offer to settle in another currency may result in unnecessary conversion costs as the merchant may apply a foreign exchange margin to convert the transaction currency into another currency.

This means that the rate you eventually get may be different from the mid market exchange rate.

With Wise, you get the mid-market exchange rate. This is the same rate you’d see on Google if you did a currency conversion search.

How do you get an Australia Post everyday card

To get an Australia Post Everyday Mastercard, simply follow the below steps:

1. Purchase an Australia Post Everyday Mastercard at a participating Post Office or Online
2. If you bought your card from the Post Office, you’ll need to register it online. If your card was purchased online you’ll just need to activate it
3. You can then load your card online through the Australia Post Everyday Mastercard App, or at a participating Post Office

What are the eligibility requirements for getting this card

There are a few eligibility requirements when applying for this card.

These are pretty standard when it comes to opening most Australian bank accounts; we’ve listed these below just in case you need to check:

• Valid ID (e.g. an Australian driver’s licence or Australian passport)
• Valid mobile number
• Valid email address

How long does it take to get the card

As this is a prepaid card you can purchase at the post office, you get it right away.

How to load and use the card

To load and use the card, you’ll need to make sure you’ve registered it if bought at the Post Office, or activated it if bought online.

You can then use the Australia Post Everyday Mastercard app to load money onto the card, or pop into the Post Office to top it up. Your card can then be used in-store or online.

What else do I need to know?

We’d advise being extra vigilant when filling out your details with Australian Post, as the name you use to sign-up needs to match the ID you provide. One to bear in mind if you’ve recently changed your name after getting married for example - best to get this sorted first to save yourself a headache when signing up for your new card. As long as you have a valid Australian ID, you’ll be good to go.

Australia post contact details

If there’s anything you want to double-check directly with Australia Post, you can use the following details to contact them:

• Online form via the Australia Post website

• Chatbot via the Australia Post website

• Phone:

• Australia: 1800 549 718 (24/7)

• Overseas: +44 207 649 9404 (24/7)

Wise Account and Debit card

If you’d prefer mid-market rates when spending money internationally, rather than being tied to a preset rate, and require accounts in multiple currencies, open a Wise Account so you can apply for a Wise debit card instead.

With a Wise Account and card, you can hold 40+ currencies all in one place. When you spend money using your Wise debit card, money will be withdrawn from the money available in your wise account.

• If you have the currency in your account, it’s free to spend
• If you don’t have the currency in your account, there’s a conversion fee.

Wise’s smart technology ensures that the Wise card only spends from the balance that’ll be fee-free, otherwise it uses the one with the cheapest fee.

Join over 13 million customers currently enjoying Wise. It’ll only take a few minutes to register and see what’s inside.

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Please see Terms of Use and product availability for your region or visit Wise Fees & Pricing for the most up to date pricing and fee information.

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Sources:

1. Please see Terms of Use for your region or visit Wise Fees & Pricing for the most up-to-date pricing and fee information.
2. Australia Post - Everyday Mastercard
3. Australia Post - Changes to Everyday Mastercard
4. Australia Post - Australia Post - Everyday Mastercard
5. Australia Post - Everyday Mastercard
6. Australia Post - Everyday Mastercard
7. Australia Post - Answers
8. Australia Post - Product disclosure statement
9. Wise - Australian Fees
10. Wise - Card Fees

Sources checked on: 15 April 2026