Australia Post Everyday Mastercard

Basically, this card is a great idea. I do not have to give out my credit card details when buying online. So some suspicious companies do not have access to any of my credit cards. This one is great, and that they can only access the money you have in there. Also, I thought….. The call centre do not understand basic accounting. Spoke to them… Read more

yesterday they totally did my head in. Telling me that a company can take money out of my account, when there’s no money in it. Which is against the their rules. You spoke to a supervisor who was totally useless. My complaint was about a scam company trying to take money from my account. I know this company was trying to do this, as they had no authority to do so. So I made sure there were no funds in the account. The supervisor? Just did not understand. He said payment was approved? And the money will come out of my account. But if the funds came out of my account this would put me in the red. Which is totally against the MasterCard rules like I said no basic accounting experience. Perhaps they can sort this out, but I sincerely doubt it. It’s unfortunate.

I've been using this card for over 10 years now. It used to work perfectly. Now, since the OTP has been introduced I can't even log in. It will not send me the OTP. I've had it fixed through the customer help line 3 times, now. Each time it will let me log in once and then it goes straight back to not sending me the OTP. I use this card to pay all… Read more

my bills, so I don't need to provide access to my accounts. The card and the account is now useless. I am going to find a replacement: how annoying.

When trying to login to my account I don't receive the OTP. I have rang up today and was told this has been going on since at least April 2026 and it is still not fixed my sister and I have rang up the customer support and all they can tell me is that their technical team is looking at it and to manage my expectations and wait for them to get… Read more

back to us. My expectation is that this issue is resolved as soon as possible but since it has been going on since April then I don't have any expectation that it will be fixed any time soon maybe in 2050 :( certainly not anytime soon. If they can't resolve it then they need to remove the OTP altogether or get a new technical team as this one doesn't seem to know what it is doing. @mastercard.com you really need to do better and resolve this issue quickly.

Terrible! – If you've got hours to waste and endless patience this is the app for you. It's really hard to believe that a financial services app could be this bad. The prepaid card is such a good idea but customer service is non existent. Each time I… Read more

wanted to see my balance and transactions I had to put in my personal details SO MANY TIMES! Plus it wouldn't accept my password nor the temp passwords sent! I finally wrote an email and received a lengthy email that had no relationship to my query whatsoever. Also the transaction details are incorrect and don't show amounts. Don't say I didn't warn you.

I have had this Everyday Mastercard for quite some time but get very frustrated when there are issues with logging in for balances. Once logged in, then asked to update details to update information, it comes up with "We have sent you a onetime… Read more

passcode that consists of 6 numbers. Please enter the code below, it will expire in 15 minutes" which doesn't arrive within the allocated time, so you are just going around in circles, pressing for a resend code! I have wasted time on the phone to an operator trying to fix it, when they eventually realise it is their website, which still has not fixed & I am still having issues! Very poor customer service!!!!!

Good financial product – I've used this card for about 4 years now and found it very good. In the early days the mobile app was a bit dicey but has been very good lately. Recently AusPost noticed some unusual attempted transactions on the card and locked it. Confused me initially but after contacting their call centre I got to the bottom of the problem. The person in the… Read more

call centre was quite hard to understand but helpful and it appeared my card was compromised so AusPost cancelled the old card and sent me a new card at no cost to me via Express Post. I've never had this sort of thing happen to me before with any card. When I activated my new card all my money from the old card was there. Excellent! Didn't loose a cent to fraudsters.I've never had to argue about a transaction so I can't comment on that front.

New Issuer takeover for Australia Post Every Day Mastercard – I recently topped up March 2024 and I could tell that even the software felt different and more professional. I received a congratulations receipt in my email with all the details and new balance of my transaction..also if you scroll down you will see the name of the new issuer, EML Payment Solutions. Logging in perfect every time now and Topup is… Read more

seamless with not one glitch [edit August 2024]…but that is all Im saying!! I too have been through the hell of being locked out for a year etc etc..all of the bad reviews I can understand. It would take me a long time to be confident with it for Interstate travel… overseas you are crazy! I am just relieved I can log in and out perfectly each time now and topping up is fixed as long as you stick to the same browser. I just hope this is a gradual new beginning for it and it slowly gets better for everyone but from what I read it hasn't so use something else for travel

Great way to control what you spend – Not wanting a credit card with interest, I decided to purchase the everyday Mastercard and really love it. The top up of money on the card is easy and I only put what I want to spend. This is a great way not to overspend and buy from overseas as well.

Turn the OTP off and go back to login password until the OTP can be repaired by a qualified technician. Maintenance is supposed to be done every month. A complaint is made , the cogs turn but nothing happens. Someone must have the knowledge to fix the OTP fault.

I got one of these for my daughter but when you go to log into it it tells you to type 3 figures on the screen. So you keep typing the figures and it keeps giving you new ones then locks your account. When you ring the customer service bot it tells you it's sent a reset email to your address and gives you the correct address but the email never… Read more

arrives. You can also order a reset email from your screen, which also never arrives. At no time can you ever talk to a human. This is weaponised incompetence by Australia Post.

Poor performing card.Used to be good Now that authentication has changed, problems ++++++++++++++++++++++++ Don`t renew, Don't get one Report them to Australian Financial Complaints Authority(AFCA) The more complaints the better, they have to sit up and take note As some-one said ........RUN,RUN Get a credit union debit card just to pay your… Read more

bills. You can at least go into their office to talk((unlike arguing over ph with people ,who knows where they are)

Trying to log on to the app. I am not receiving the one-time password to my email address. I'm going to cancel this card as you can no longer load foreign currency onto it. I'm going to get a WISE card instead. Do not recommend this card.

I experienced good service with this everyday Master Card in the past, BUT everything has changed drastically since they have done some changes like the e mail verification and increased the fees. Experiencing HUGE issues after log in to get OTP. Most of the times I don't receive the OTP - and I can not UPLOAD money to do online shopping. I… Read more

have also experienced a rejection of transactions from retailers. This card seems to be useless and I found it very frustrating that it seems that the Customer Service Managers and teams do not even care.

I've have had no problems with everyday master card until email verification was introduced. The verification process doesn't always send you a one-time code. This happens constantly and when I reported the fault, I was asked to wait 5 days for them… Read more

to sort it out. You Must use web-based application on Microsoft PC as there are no downloadable application for windows, only for android operating systems. The random word generator for robots after logging in, gives me no confidence in their security system.

I phoned the mastercard services today to resolve repeated login issues. I can't login to the website, and I can't use the app at all. the OTP is sends does not arrive. The help line was not helpful and said that technical issues were being resolved. I first noticed this over one week ago. I received no suggestion of when it might be resolved.… Read more

After two years of regular low level usage of this card, I'd say the promise and convenience is great, but it is a poor performer as an "everyday" card. Given fee increases, ask what you are buying into.

Used my card for Uber, 2 fares were cancelled by Uber as a higher fare was charged instead. Mastercard decided to take ALL the fares out of my card. The 2 fares not taken by Uber are showing as Pending when I log in by the money has actually been… Read more

taken from the account. Emails to mastercard get answered with a response that has nothing to do with the issue. When I call they say they need proof the money was never taken which I sent nearly a month ago and still I have not gotten my money back. I have now given them till friday before I lodge a claim with the Ombudsman as I am sick of waiting - dealing with them is like watching a dog chase its tail - nothing ever happens! What a joke and now they want to charge monthly fees for this non existant pleasure of having your money stolen.

The app and website are frequently offline, leaving you with no control over your account, and no way to load money onto the card to make payments. Today I tried to log in on the app and got a message saying that due to an update, I would need a one time passcode to log in. The passcode was not received. After repeated login attempts, and… Read more

pressing the button to resend the code, I tried logging in on the website, which again required a one time passcode due to the update. Again the passcode never arrived, despite multiple attempts.

I called customer support, and had great difficulty in finally getting through to an exceptionally unhelpful person who just kept repeating my card balance, and when I said that wasn't the issue she snapped at me to allow her to explain, before saying there was nothing she could to and I should try again tomorrow.

This is absolutely unacceptable.

This card is refused by so many sellers and sites its frustrating. Recent changes of them not holding other countries currency is the final straw. They decided to do that during an economic down turn so thousands of dollars lost from the exchange rate without much notice just sighting their ts and cs very untrust worthy and customer service is lacking.

I’ve been using the Australia Post Everyday Mastercard for a few years now, and up until recently it’s been a convenient and simple card to manage. However, I’m really disappointed to see a new $1 monthly fee introduced. It might seem small, but it… Read more

adds up over time—especially for a product that was previously appealing because of its low or no ongoing costs. Changes like this take away the value and make me reconsider whether it’s worth keeping.

After being a customer for years, it’s frustrating to see fees introduced rather than improvements to the service. There are plenty of other options out there without these kinds of fees, so unless this is reconsidered, I’ll likely be cancelling my card.

I hope Australia Post takes customer feedback seriously, because this kind of change doesn’t go unnoticed.

The bulk of these reviews capture the problems with it quite well. Among other things, the app is clunky and limited. Website functionality is better but not ideal on mobile and also misleading around the costs of loading funds. Changes communicated by email today only make the value proposition worse - adding a monthly fee and removing BPay as… Read more

a funding option.

Whenever I’ve had an issue with the card (eg. mystery fees showing up, etc), Australia Post has shrugged its shoulders and claimed it has nothing to do with it, which is pretty appalling since its name/logo is prominently displayed on it. Evidently, they just see it as a revenue source, not a product for which they have any responsibility.

I’m not sure if there are better options in the market for this niche product - a reloadable debit card unconnected to a bank account - but there almost certainly aren’t worse ones.

Ultimately, it serves the purpose I need it for but it’s awkward to use and slightly painful to maintain.

I transferred money into my Australia Post MasterCard to pay for a airline ticket. My card was declined twice with plenty of credit on it.After going thru hell on the phone trying to understand the consultant i eventually worked out that i was charged $10 for my efforts. As far as im concerned they can put there card and bank where the Sun doesn't shine.

MasterCard operate this as a money laundering fraud racket to unlawfully trap your funds, avoid it like the plague. I got this card as a convenient way to make online payments such as council rates and bills where I couldn't get cashback on my other debit card. Seemed good for a month or so, until my card was 'suspended' without my permission and… Read more

certainly in violation of the Terms of Use. Ironically I could add more funds, but not use them...

Since this card is marketed by AusPost, administered by EML Payments and operated/issued by Mastercard Prepaid Management Services, it's a dog's breakfast and customer support is non-existent until AFCA got involved and once I had served them with a legal demand to release my $1300 of funds. MasterCard heavily relies on a very broad clause in the terms to arbitrarily suspend an account on the false pretense of 'suspicious transactions' which is absolute nonsense - and that is evidenced by the fact that Mastercard was forced to release my funds without penalty and to pay $500 in compensation for refusing to meet their AFSL obligations. Furthermore, Mastercard tried to demand various confidential and personal details that were irrelevant to their lawful operation of the card, some of which they had on file from the activation process, others (like the source of my reload funds which were approved by the AusPost agents when making the reload and acceptable within the Terms) had nothing to do with the card nor their AUSTRAC obligations as they falsely claimed.

So in the end, you'd be better off getting a non-reloadable gift card from the supermarkets or a debit card or low/no rate credit card form a bank since they comply with their AFSL obligations, unlike Mastercard which seems to think they're above the law.

If you've been scammed by Mastercard, do not tolerate their criminal and aggravated misconduct and report them immediately to AFCA and demand compensation.

This card is an absolute joke, their app has now been out of service for 5 days now. They claim service might be interrupted on Saturday 17th of January between 02:30am and 07:30am..also Tuesday between 02:30am and 07:30am... It's been down for 5 days solid ???