What happens with international transactions?
We charge you a foreign currency conversion fee when you make a transaction in a foreign currency or in Australian Dollars:
(a) outside of Australia
(b) In Australia (for example, online) and the merchant or the financial institution processing the transaction is located outside of Australia.
Your account will be debited in Australian Dollars plus any fees and charges.
Conversion rates are set by Visa and can fluctuate until the transaction is debited to your account.
Transactions are converted from the Transaction currency to the Australian Dollar equivalent (or to United States Dollar then to the Australian Dollar equivalent), as at the date they are processed by Visa.
Both debit and credit transactions in foreign currencies are subject to international conversion rates.
All international transactions are listed on your statement in the currency of the transaction and the Australian Dollar equivalent