Register for Secure Code
You'll need to be registered for People's Choice Secure Code to bank while you're overseas.
The best option? Download the People's Choice Mobile Banking App and follow the prompts to register.
If you're leaving your smartphone behind, you can request a $20 Personal Access Token to take with you.
Keep track of your accounts while travelling
Download the People's Choice Mobile App and get yourself familiar with its functions, so you can monitor your accounts on the go.
Register for Internet Banking if you haven't already, so you can also access your banking via a web browser.
Know the fees and charges for overseas transactions
Overseas charges differ from home, so know what fees and charges may apply on the cards you’re planning on using.
Find out more in our fees and charges brochure. If you need cash, consider the amount you require and withdraw larger amounts less often to avoid ATM fees.
Using your Visa Credit Card or Visa Debit Card for most purchases will help to avoid ATM fees and to keep your conversion fees to a minimum.
People's Choice emergency details
If you need to contact us while you're overseas, you can call us on +61883058305 during our National Contact Centre opening hours.
If your card is lost or stolen, contact the 24 hour Visa International Hotline to cancel your Visa card or rediCARD PLUS immediately on + 61 2 8299 9101.
If you're concerned about suspicious transactions on your account, call our fraud team right away on +61 2 8299 9534.
Fraud protection
If you're concerned about suspicious transactions on your account, call our fraud team right away on +61 2 8299 9534. If your card is lost or stolen, contact the 24-hour Visa International Hotline to cancel your Visa card or rediCARD PLUS immediately on + 61 2 8299 9101. You can also get in touch with our Contact Centre team while you're overseas, by dialling +61 8 8305 8305 during our National Contact Centre opening hours.
Secure ways to access accounts overseas
Cash
You may find that it's handy to have at least some local currency on hand. If you do need cash while travelling, withdrawing larger amounts less often can help to avoid ATM fees, however be careful if carrying large amounts of cash with you.
If you want to take local currency overseas with you, you can organise your foreign currency 24/7 online to be collected at your preferred branch for pick up within 3-5 business days.
Foreign cash can be ordered up to 21 days in advance.
Credit and Debit cards
Pay and withdraw up to $2,000 AUD per day (per card), by selecting 'Credit' with your Visa Debit Card or Visa Credit Card where the Visa logo is displayed. You can also withdraw money with your rediCARD PLUS at any overseas ATM displaying the PLUS logo.
Check your cards' credit limits and expiry dates, make sure your credit limits suit your travelling budget and renew your card if needed.
Be aware that some countries may require a six-digit PIN when paying by card, though your PIN may only be four digits. Simply enter '00' at the start to make your PIN six digits. For example, 1234 would become 001234.
ATMs
Local ATMs may have different limits on transactions and fees and charges may apply. Similar to when you’re paying by card, some ATMs may require a six-digit PIN. Simply add '00' to the start of your four-digit PIN when withdrawing cash.
