Up – Roam Free

Roam Free

Bank like a local, globally.

Up handles currencies like a pro, and has no fees on international purchases (online or in person).

Overseas purchases

No fees on overseas purchases (online or in person)

You shouldn’t pay extra when making overseas purchases online or when you’re traveling. That’s why Up doesn’t have international purchase fees.

There’s no conditions attached to your fee-free international purchases. Plus, we don’t do rebates. We just don’t have any international purchase fees. That’s refreshing.

Note: International ATM fees apply. See full pricing details.

Screenshot of multi currency transaction list

Great FX rates

With Mastercard you know you’ll get a great FX rate

Up uses the standard Mastercard exchange rate for international purchases, online and in person.

Of course, there’s no mark-up on the rate with Up either, so you can travel overseas (or shop online with overseas merchants) with great foreign exchange rates and peace of mind.

Full pricing details.

Screenshot of international transaction receipt


Instant and clear local and foreign currencies

Ever wonder how much those ¥1,200 super-fluffy pancakes in Tokyo really cost you?

Up handles your overseas spending like a pro, displaying purchases with local and foreign currency together in your Activity and transaction receipts.

Up also sends you instant purchase notifications in Australian dollars.

Note: International ATM fees apply. See pricing for details.

Card controls

Take back control of your card, at home or overseas

Need to change your PIN? Activate or deactivate your card?

Take back control of your spending, and protect against unwanted transactions.

Up lets you decide how and where your physical and digital cards work.

Illustration of a location pin

47m+ locations

It’s never been easier to pay, almost anywhere

As an Up customer, you can pay at more than 47 million* Mastercard acceptance locations worldwide.

Those locations include in-store, online, and in-app purchases of goods and services in addition to ATMs, bank branches, and other outlets providing cash advances and withdrawals.

* The Nilson Report, 28 September 2018

Kill Bills

Pay your bills with Up, and send late fees to an early grave.