Easy. Safe. Rewarding. Receive Gift Cards on Incoming Foreign Currency Transfers this summer *Conditions and Fees and Charges apply Talk to us Phone us Email us Breadcrumbs Firefighters Mutual Bank Travel Travel Firefighters Mutual Bank provides a one-stop-shop for all your travel services. Cash Passport Send or receive money overseas Foreign Cash Travel Checklist Bank draft Converting a foreign currency cheque Cash Passport Cash Passport Platinum Card1 Cash Passport is quite simply a card which you pre-load with your spending money in up to eleven (11) different currencies2 on the same card before you travel. The card can be used for point of sale, online and for ATM transactions worldwide, wherever the MasterCard Acceptance Mark is displayed. It is Chip and PIN protected for enhanced security and worldwide acceptance. Order Now Easy to Manage You can reload your card, check your balance, access statements, allocate funds and view your recent transactions online from anywhere in the world. There is also a Help Centre, and information on how to get more from your card. Simply view ‘My Account’ after logging in via the cash passport website. This now includes the automated ‘Cash Out’ process available when you are signed in to ’My account’. Accepted at over 29 million MasterCard retailers worldwide3 and online 11 Currencies available Secure Chip & PIN protection PIN change functionality5 at selected RediATMs 24/7 global emergency assistance Emergency cash4 and free replacement card4 to anywhere in the world Manage your cash passport account online Reload to a maximum of $100,000 AUD Card to Card6 funds transfer - Between Australian Issued Cash Passport cards - Between Australian and New Zealand issued Cash Passport To retrieve your cash passport balance, complete the Cash Passport Encashment Form. Cash outs are processed within 10 business days. Note: Cash outs of foreign cards will be converted to AUD at the prevailing exchange rate prior to crediting to the customers bank account. You can also access funds via a local MasterCard ATM. Read the Product Disclosure Statement. *Important information 1. Mastercard Prepaid Management Services Australia Pty Ltd (ABN 47 145 452 044, AFSL 386 837) arranges for the issue of the Multi-currency Cash Passport™ (“Cash Passport”) and Cash Passport™ Platinum Mastercard® (“Cash Passport Platinum”) in conjunction with the issuer, Heritage Bank Limited (ABN 32 087 652 024, AFSL 240 984). You should consider the Product Disclosure Statement for the relevant Cash Passport facility available at www.cashpassport.com.au before deciding to acquire the products. The target market determination for this product is available at on the Design and Distribution Obligations page. Any advice does not take into account your personal needs, financial circumstances or objectives and you should consider if it is appropriate for you. Mastercard® is a registered trademark, and the circles design is a trademark of Mastercard International Incorporated. 2. Before you make a decision to acquire the card, please check www.cashpassport.com.au for the latest currencies supported. 3. Some ATM Operators may charge their own fee or set their own limits 4. MasterCard Cash Passport must be notified of lost or stolen card. Emergency cash can be arranged quickly and up to the balance on your Cash Passport, subject to availability of funds at the approved agent location. 5. Not all ATMs are capable of enabling PIN change on Cash Passport cards. It is important that the ATM locator on Cashpassport.com.au is used it will identify only those ATMs where the PIN change can be completed. 6. Card to Card (C2C) transfers will be enabled to allow two Cash Passport card holders (Australian issued Cash Passport cards) to transfer funds to each other via My Account. Domestic C2C transfers can take place between the same currency, for example AU$ to AU$, or cross currency, for example, AU$ to US$; or AU$ to SG$. Limits will apply up to a maximum of AU$20,000 or currency equivalent. No fee will apply. Send or receive money overseas Receive Digital Gift Cards on money transfers this summer* If you receive an Incoming Foreign Currency Transfer through Firefighters Mutual Bank via American Express between 1 December 2021 and 28 February 2022, American Express will reward you with a Digital Gift Card up to $100. Make up to 3 transactions, and you could receive up to $300!* Digital Gift Cards are only rewarded when you transfer foreign currency into Australia. AUD currency transfers are not included. Transaction value (AUD) Digital Gift Card value $1,000 - $1,999 $20 $2,000 - $4,999 $50 $5,000 and above $100 Telegraphic transfers Firefighters Mutual Bank has partnered with American Express to offer you a variety of foreign currency services so you have the confidence of security and convenience when sending and receiving money from overseas. A fee of $25 applies to foreign currency telegraphic transfers and $40 for AUD telegraphic transfers. Sending money overseas A Telegraphic Transfer (TT) allows you to electronically send funds directly into your beneficiary’s account in a specified currency. TT’s are the preferred method to make large value international payments as they are processed quickly, cost-effectively and securely in over 100 currencies. You can choose for the funds to be either in Australian dollars or the currency of the destination country (note some restrictions may apply*). Please note that TT’s are not immediate—they can take anywhere between 2-5 working days to arrive, depending on the country. To arrange for a TT complete the Telegraphic Transfer form before printing and posting, faxing or emailing to us. Please note that TTs’ to overseas recipients are sent via a network of correspondent banks, each of which may levy their own charge or commission. This is outside of our control. As the fees and charges which may apply will vary according to the circumstances, we are unable to advise the amount of fees which may apply to any particular transaction. The amounts which may be charged depend on a number of factors, including (but not limited to): the amount being transferred; the destination of the funds; and the number of intermediaries involved in the transaction. Order now Send money overseas How to receive money from overseas An incoming overseas deposit allows you to receive foreign currency into your account that is then converted into Australian dollars (AUD). Receiving foreign currency from an overseas account is easy. The overseas financial institution can use one of two intermediaries to transfer the deposit to your Bank account. Receiving money using American Express To start the process, Firefighters Mutual Bank members can simply visit the American Express Portal, complete the online form and then send the information provided to your payment sender. PLEASE NOTE PLEASE DO NOT pay in AUD. When sending funds, please advise the sending financial institution that the transfer must remain in the same currency and NOT be converted. This can also be included in the ‘Payment notes’. Firefighters Mutual Bank will arrange the conversion to AUD through our partners at American Express. To avoid intermediary bank fees, YOU SHOULD SEND MONEY IN THE CURRENCY OF THAT SENDING COUNTRY. It is essential to include ‘FFC (For Further Credit) FMB [INSERT FULL NAME AND MEMBER NUMBER]’ in the ‘Payment notes’. Get started Visit the American Express Portal Receiving money using Cuscal You may also receive money from overseas using Cuscal's service. Cuscal will not accept funds transferred from overseas directly to themselves, therefore your funds will need to be processed through an intermediary bank. You may be able to nominate either an intermediary bank of your own choosing, or Cuscal's preferred intermediary bank, NAB. Fees and Charges apply. These details are for use by the sending bank: Swift code: CUSCAU2SXXX Swift bank: Cuscal, 1 Margaret Street Sydney NSW 2000 Australia BSB: 802-825 Account number: Your member number Account name: Your full name Forward to: Firefighters Mutual Bank Intermediary bank: Cuscal's preferred intermediary bank is NAB. Swift Code NATAAU3303M. Please be aware that Cuscal take a $6.78 fee, from incoming TT's from the amount you receive from overseas. The Sending Bank and the Intermediary Institution are able to deduct a processing fee for international transfers. Depending on the circumstances, such as the location of the sending financial institution and its commercial arrangements, processing via more than one intermediary bank may be necessary. 1800 472 265 Call now +61 2 9735 9225 Contact us from overseas *Important Information *This incentive offer is calculated per transfer, it is not cumulative, and is limited to three transactions per account between 1 December 2021 and 28 February 2022. The transfer must be from a foreign currency that is available for money transfers via American Express Australia in order to receive the incentive. AUD transfers are not included. This offer is only open to Firefighters Mutual Bank members who complete an American Express Incoming Telegraphic Transfer form. The remitting party of the member/customer must complete the Incoming Telegraphic Transfer transactions of AUD$1,000 or above from 1 December 2021 and 28 February 2022 to qualify to receive a Digital Gift Card. Completed transactions between AUD$1,000 and AUD$1,999 receive a AUD$20 Digital Gift Card, completed transactions between AUD$2,000 and AUD$4,999 receive a AUD$50 Digital Gift Card and completed transactions over AUD$5,000 receive a AUD$100 Digital Gift Card. A maximum of 3 qualifying transactions per FirefightersMutual Bank member will be eligible to receive 3 Digital Gift Cards. Please allow 4 weeks from 28 February 2022 for Digital Gift Cards to be forwarded to the email address listed in your account. The Digital Gift Cards are managed by a third party vendor, Edge Loyalty. Edge Loyalty will issue a voucher code which you must validate within 3 months in accordance with the instructions provided, following which a Digital Gift Card may be redeemed from the list of retailers we select for participation. These currently include Caltex Woolworths, rebel, Coles, Red Balloon, Kathmandu, Ticketmaster, Officeworks and Woolworths WISH and will be valid for 3 years. Digital Gift Cards issued by Edge Loyalty are subject to the terms and conditions of Edge Loyalty and the Digital Gift Card terms and conditions of the selected retailers as set out at the time of issue. The Digital Gift Card must be taken as stated and no compensation will be payable if the person is unable to use the Digital Gift Card as stated. Digital Gift Cards, including any unused portion, are not replaceable, exchangeable or redeemable for cash or other goods or services or used to pay or offset any transactions with American Express FXIP. Digital Gift Card validity varies depending on the selected retailer. Please check the Digital Gift Card for expiry. The Digital Gift Card cannot be transferred to any other person. Please contact Edge Loyalty on 1300 737 968, email [email protected] or visit https://amexfxip.eldigital.com.au/ for further information or a copy of the Terms and Conditions. American Express Telegraphic Transfers are arranged through American Express International Inc. (ABN 15 000 618 208 AFSL No.237996). Incorporated with limited liability in Delaware USA. ®Registered Trademark of American Express Company. A Product Disclosure Document can be requested by calling 1800 800 225 8am to 7pm, weekdays or 9am to 3pm, Saturdays or from any of our offices. The target market determination for this product is available at https://fmbank.com.au/design-distribution-obligations The information contained in this document has been prepared without taking into account your objectives, financial situation or needs. You should read the PDD and consider the appropriateness of Telegraphic Transfers in relation to your individual requirements. Please note currency conversion rates change according to market conditions for outgoing transfers. The Bank charges a fee of $25 to arrange foreign currency international TT’s and $40 to arrange AUD international TT’s. Cuscal Cuscal is Australia's leading provider of transactional banking, liquidity and capital management products and superannuation solutions to more than 150 specialist financial services institutions across Australia. They provide clients access to Australian capital markets, payment systems, card schemes, inter-institutional settlement arrangements, and is one of the nation's largest ATM networks. Foreign Cash Foreign cash Foreign cash is available in a wide range of currencies. Order Now Collecting your order Your order can be couriered to a registered business address in Australia, usually within 2-3 working days, at no extra charge (minimum value of AUD$250). Alternatively, your order can be collected from our office with 2-3 working days’ notice. Contact us first to confirm it has arrived. *Important information The Bank arranges Foreign Cash as agent for the issuer Travelex Limited ABN 3600 4179 953 AFSL 222444 (“Travelex”). The purchase of Foreign Cash attracts a fee of 1% or $10 (whichever is greater). The repurchase of Foreign Cash attracts a $10 fee. The Bank also has a revenue sharing arrangement with Travelex. The Bank receives 20% of the net profit made by Travelex in selling Foreign Cash via the Bank. Exchange rates are set by Travelex. Orders placed by you for Foreign Cash cannot be cancelled. If you do place a cancellation request, we may, at our absolute discretion, purchase some or all of the Foreign Cash from on behalf of Travelex. Please note that the repurchase of Foreign Cash may, because of fees and charges and possible movements in exchange rates, result in a loss to you. Travelex is required to collect your personal information under Anti Money-Laundering legislation. If you do not provide sufficient information, Travelex may not be able to provide you with the services you seek. Your personal information is handled in accordance with the privacy policies of the Bank (available on our website) and Travelex. The latter is available at www.travelex.com.au. Travel Checklist Travel Checklist Handy travel tips to consider before you go on your holiday: Ensure your travel insurance includes hospital and medical evacuation Check your passport is valid for at least 6 months past your return date Check your Visa Credit card's expiry date Check the locations of overseas ATMs Take alternative methods of accessing your money. For example a Visa card and Cash Passport Carry a small amount of local currency for taxis etc Give a trusted friend or family member authority to operate on your accounts in case of an emergency Set up future payments or periodical payments to pay your bills when you are away Register for internet banking Read smartraveller.gov.au for the latest travel advice Make copies of your important documents, take a copy with you and leave one at home with a trusted friend or family member Check vaccination and health alerts at traveldoctor.com.au Check your departure tax and visas for the countries you are visiting Be aware of cultural differences Check with your mobile phone provider to ensure your phone and/or SIM will operate in the country you are visiting Don't forget to pack international travel adapters, mobile phone and camera chargers. Bank draft Important: Significant delays may be experienced with the issuing of bank drafts as a result of current restrictions. Please speak to our staff for alternative methods available. Bank draft A bank draft is a cheque issued in a foreign currency, it can only be deposited into the account of the person the draft is made payable to, making it safe and secure. Cheque clearance times may apply when depositing cheque(s) to overseas banks. A bank draft is available in a wide range of currencies - including Australian dollars. We recommend a draft in the destination country’s currency to avoid additional exchange rate fees or delays at the other end. Call 1800 800 225 8am to 7pm, weekdays, and 9am to 3pm, Saturday to check if your destination country’s currency is available. To arrange for a bank draft complete the bank draft form before printing and posting, faxing or emailing to us. You can have it sent by Express Post to your residential address within Australia or collect from one of our offices. Bank drafts are usually available within 7-10 working days. Contact us first to confirm it has arrived. Order now *Important information Bank drafts Bank drafts are arranged through American Express International Inc. (ABN 15 000 618 208 AFSL No.237996). Incorporated with limited liability in Delaware USA. ® Registered Trademark of American Express Company. Before making a decision, you should read Draft Information Booklet. The information contained in this document has been prepared without taking into account your objectives, financial situation or needs. You should read the booklet and consider the appropriateness of bank drafts in relation to your individual requirements. A fee of $10 applies to foreign currency bank drafts, $15 for AUD bank drafts and $25 for cancelled bank drafts. Converting a foreign currency cheque As COVID-19 continues to impact overseas banks, longer than normal processing times are being experienced for foreign currency cheques to be cleared and deposited. We apologise for the inconvenience. Converting a foreign currency cheque A foreign cheque is a cheque issued in a foreign currency, in which can be converted into AUD deposited into your account1. The foreign currency cheque can be provided to Firefighters Mutual Bank in person at any branch or by post2. The AUD funds can take up to 45 working days3 to be deposited into your account. Convert foreign currency cheque You should be aware that if you do not personally know the drawer of this cheque(s), you should be very cautious of depositing it into your account given the frequency of scams being perpetrated. If you have any doubts regarding the legitimacy of the cheque(s), you should contact this office as a matter of priority on the number below. Information on current scams is available at scamwatch.gov.au. This website provides valuable information and allows you to report a scam. *Important information Foreign currency cheques The conversion of Foreign Currency cheques is carried out by Travelex ABN 3600 4179 953 AFSL 222444. The Bank also has a revenue sharing arrangement with Travelex. The Bank receives 20% of the net profit made by Travelex in converting from a foreign currency to AUD. Exchange rates are set by the paying bank and Travelex. 1. A $25 fee applies for each foreign currency cheque that converts to the equivalent of under $10,000 AUD. For each foreign currency cheque converting to $10,000 AUD or over, a $50 fee applies. 2. Available for selected foreign currencies only. Contact us here for a complete list of currencies available for conversion. 3. Cheque/s converting to under $10,000 AUD will be credited to my account in approximately 7-10 working days. Cheque/s converting to $10,000 AUD or over will be credited to my account once funds have been received from the paying bank. This can take up to 45 working days. Going on holiday? Find an overseas ATM Travel checklist
