BSB 802-825
All enquiries 1800 800 225
Phone enquiries are available 8am to 7pm, weekdays and 9am to 3pm, Saturday.Our offices are open 9am to 5pm, weekdays.
Looking for a competitive foreign exchange rate?
Be rewarded for transferring foreign currency to Australia.*
*Conditions and Fees and Charges apply
Firefighters Mutual Bank provides a one-stop-shop for all your travel services.
Simply outsmart travel money. Load up to 11 currencies1 and use it at millions of locations worldwide everywhere Mastercard is accepted. Load, spend and top up your card on the go, so you’re always in control.
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.
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
Benefits include
Stay connected across via millions of Boingo hotspots. Get 3 months’ Boingo membership every time you top up your Cash Passport with $100 AUD or foreign currency equivalent.
Lock in exchange rates3 and know exactly how much you have to spend.
Help is only a call away whenever and wherever you are. Cash Passport offers 24/7 Global Assistance. Mastercard quickly organises a new Cash Passport, free of charge and helps you get emergency cash so you can keep enjoying your holiday.
Spend wherever Mastercard is accepted instore, online and ATMs.
Transfer instantly, from your Cash Passport to another Cash Passport issued in Australia or New Zealand in available currencies.
‘My Account’ lets you manage your money wherever you are, like reloading your card and transferring between currencies. Shop with confidence knowing exactly how much you have to spend, or simply load more funds with the advantage of locked-in exchange rates3.
Enjoy complimentary access to airport lounges worldwide, upon a flight delay. You and a travelling companion can relax in comfort while you wait for your flight in a LoungeKey™ airport lounge worldwide8.
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™ and Cash Passport™ Platinum (“Cash Passport”) 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 available at www.cashpassport.com.au before deciding to acquire the product. 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® and the MasterCard Brand Mark are registered trademarks of MasterCard International Incorporated.
1 Before you make a decision to acquire the card, please check www.cashpassport.com.au for the latest currencies supported.
2 Wi-Fi is provided by Boingo hotspots. Visit www.cashpassport.com.au and mastercard.boingo.com for full terms and conditions.
3 “Lock-in your exchange rates” means the exchange rate is locked in for the initial load only. The exchange rates for subsequent reloads will be set at the prevailing exchange rate at the time of the transaction.
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 Subject to any surcharge that may be imposed directly by merchants. Cash Passport is unable to be used for purchases related to gambling or adult entertainment. Currently Cash Passport 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 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 MasterCard Prepaid Management Services Australia Pty Limited and the Issuer or MasterCard Prepaid Management Services Australia Pty Limited are not responsible for ensuring that merchants will accept the Card. For example, the Issuer and MasterCard Prepaid Management Services Australia Pty Limited 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 relevant Product Disclosure Statement.
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.
7 Flight Delay Pass is a unique service that auto-informs Cash Passport Platinum cardholders if their registered flight is delayed by 2 hours or more. In the event their flight is delayed by more than 2 hours, it sends complimentary lounge pass(es) to them and their registered travel companion(s), so that they can relax in comfort, in one of more than 850 LoungeKey airport lounges worldwide. Visit flightdelaypass.mastercard.com/termsandconditions for terms and conditions.
When you use the Incoming Transfer Form to transfer a foreign currency into AUD$1000 or more between 1 December 2018–28 February 2019, you could receive up to $100 in Gift Cards per transaction* on your first three qualifying transactions - that’s up to $300!
These gift cards are only rewarded when you transfer foreign currency into Australia. Local currency transfers are not included*.
Enter your transfer details on the Incoming Transfer Form.
Save the generated PDF. It contains all the details required to complete your transfer.
Give the PDF to your overseas sender. Whether this is your own bank abroad, or overseas friends or family: remind them not to convert into AUD. The funds will be credited to your account in AUD.
Get your transfer information.
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.
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.
Send money 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.
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.
The Inward Currency and Account Details document contains all the information you need to receive an incoming telegraphic transfer.
Visit the American Express Portal
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.
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 $6.42 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.
Call now
Contact us from overseas
*See Terms and conditions. Please note that telegraphic transfers (TT’s) are sent via a network of correspondent banks, which sometimes levy a small handling charge on your payment. Any such fees, and payment delays, are out of our control.
This incentive offer is calculated per transfer, it is not cumulative, and is limited to three transactions per person between 1 December 2018 and 28 February 2019. The transfer must be from a selected list of foreign currency into Australia in order to receive the incentive. Selected foreign currency includes USD, EUR, GBP, CAD, DKK, FJD,HKD, JPY, NZD, NOK, PGK, SGD, ZAR, SEK, CHF, THB. Local currency transfers are not included.
This offer is only open to members of Teachers Mutual Bank Limited who complete an American Express Incoming Telegraphic Transfer. The remitting party of the member/customer must complete the Incoming Telegraphic Transfer transactions of AUD$1,000 or above from 1 December 2018 and 28 February 2019 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 member of Teachers Mutual Bank Limited will be eligible to receive 3 Digital Gift Cards.
Please allow 6 weeks from 28 February 2019 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. Teachers Mutual Bank Limited will issue a voucher code which must be validated 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 David Jones, Myer, Woolworths, Ticketmaster, iTunes, Coles and Rebel. 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 or at info@eldigital.com.au for further information.
For further information, please refer to the Telegraphic Transfers Product Disclosure Statement (PDS).
Telegraphic Transfers (TTs) 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 at fmbank.com.au or by calling 1800 800 225 8am to 7pm, weekdays or 9am to 3pm, Saturdays or from any of our offices. The information contained in this document has been prepared without taking into account your objectives, financial situation or needs. You should read the PDS and consider the appropriateness of Telegraphic Transfers in relation to your individual requirements. Please note currency conversion rates change according to market conditions.
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 information contained in this document has been prepared without taking into account your objectives, financial situation or needs. You should read the PDS 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.
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.
Tertiary Travel offers competitive prices, excellent services and discounts for our members’ travel needs including:
If you are not a member, visit our join page and learn more about our wide range of benefits. Whether you're looking for a weekend away, family holiday or overseas trip, you can book up to one year in advance and select from over 22,000 properties worldwide.
Talk to our experienced consultants about special offers for your next holiday.
Call 1300 888 999 for a quote.
Learn more about Tertiary Travel
Tertiary Travel Service Pty Ltd ABN 28 008 900 981 is a wholly-owned subsidiary of Teachers Mutual Bank Limited and an authorised representative of AWP Australia Pty Ltd trading as Allianz Global Assistance ABN 52 097 227 177 AFSL 245631. Travel Insurance is issued and managed by AWP Australia Pty Ltd trading as Allianz Global Assistance ABN 52 097 227 177 AFSL 245631. Terms, conditions, limits and exclusions apply.
Before making a decision please consider the Product Disclosure Statement available here at Tertiary Travel. If you purchase a policy, the Authorised Representative receives a commission which is a percentage of your premium—ask us for more details.
Foreign cash is available in a wide range of currencies.
You can check the Exchange rate before ordering.
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.
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.
Handy travel tips to consider before you go on your holiday:
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.
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.
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.
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.
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 $10,000 AUD and under. For cheques converting to over $10,000 AUD, a $50 fee applies.
2. Available for selected foreign currencies only. Contact us here for a complete list of currencies available for conversion.
3. Foreign currency cheques $10,000 AUD and under to be deposited into account within 7-10 working days. Foreign currency cheques over $10,000 AUD to be deposited once funds have been received from the issuing bank. This can take up to 45 working days.
