Australia Post Everyday Mastercard

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'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.

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.

Never, Never, Never consider getting one of these cards – I tried for more than 1 month to purchase a phone online using my Everyday Prepaid Mastercard, to no avail. In the end I had to give up as the special phone deal had expired. No one could tell me why this was happening. The final straw was there had… Read more

been 4 fraudulent transactions on 2 different days from Aust and overseas. Although Card Services did reimburse me the funds, it took too long and too many hurdles to jump before the refund. When you ring the Card Services staff, although friendly they are impossible to understand as you are continually asking them to repeat themselves. I admit I got sucked in by the low yearly fee and low inactivity fee, it is not worth it. Please take my advice, do not get this card, you will regret it. They will guarantee your money and your private details are safe. In my experience it has been a very empty and worthless Blah, Blah. Why Mastercard would put their name to this trash is beyond me.

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.

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 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 passcode that consists of 6 numbers. Please enter the code below, it will expire in 15 minutes" which… Read more

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!!!!!

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.

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 ???

This card run by AUSTRALIA POST and MASTERCARD is an absolute disgrace. I loaded both cash (from payments to my business - I have a lot of elderly customers) and bank deposits on my card. Then Mastercard froze my account with $4,400 loaded onto it… Read more

because they "suspected fraud". The problem is I didn't keep the cash receipts because once I looked online and saw that my balance was updated, I didn't need to keep the deposit receipts any longer. Who keeps deposit receipts? Once you check your bank account and the money is there, you throw out the receipt. Right? The only receipts I keep are purchases for my business that I can claim on tax.

I have sent Mastercard receipts of the bank deposits which I made, which of course you can prove through old bank statements. For 3 years I have been fighting to get my money back but they say there was 'suspected fraud'. Even though I used this card to buy goods and services and then I used it to deposit money onto. I was the one who used it! I have sent Mastercard my tax return from the ATO to show that the money I earn in my business (both cash and bank deposits) is all legal and declared. I have sent them my ID and me holding the ID. I will not let this go. Australia Post and Mastercard have kept my money for three years They have a financial incentive to say there is "suspected fraud" because that is all they need to do to keep your money. In three years, they have not produced ONE SHRED of evidence to show I defrauded anyone. Please do not trust Australia Post or Mastercard with your hard-earned wealth. Your money can be stolen by them for absolutely no reason, without them needing to produce proof of fraud. As I said, Australia Post Mastercard get to keep my $4,400 just for "suspecting" fraud. Whilst there remains a financial incentive for both of these companies to "suspect" fraud without needing to produce proof, YOUR MONEY WILL ALWAYS BE AT RISK. Do NOT TRUST either of these companies.

The worst, unsafe , worst customer service if ever experienced! Not to mention non English speaking agents when you call for help and its an issue with the card where you cannot access your own money. 1 month trying to fix and no reply no help AVOID

I purchased a $500 Australia Post Mastercard Gift Card (ID: 017602xxxx, Card: 5386 5301 2086 xxxx, exp. 07/25) in NSW, Australia. The card expired, but the funds remain mine under ASIC rules. I called support twice today (Sep 29, 2025)—the first rep was hostile, and the second escalation led to "Account Supervisor [Name Removed]." [Name Removed]… Read more

dismissed my ASIC ePayments Code rights (ABN 47 145 452 044 for Mastercard Prepaid Management Services Australia) and refused a replacement card, stating, "Policy is policy, nothing I can do." This $500 is significant to me—not pocket change. No resolution or empathy, just roadblocks. Avoid Mastercard gift cards; their support is a farce. Filed with ASIC already. 1/5 stars—zero accountability.

Don’t waste your time. It took over a week to get the account working. While overseas the app didn’t work more than it worked. Tried many times to load more funds which came up with errors each time. Couldn’t check balances. Could only pay for… Read more

things < $100Aud or equivalent. My husband had the same trouble with his. We ended up using cash (lucky we took some) and our regular credit card (paying high fees).

I have had one for a while now but I have had problems with them $900 dollars was posted to a wrong account which has never been recovered on June the 6th I deposited one hundred dollars it has gone missing I have receipt I have complained bitterly they taken no notice of me bandied me from one 1800 number to the next now they are offering $49.78… Read more

back I spoke to the bankers ombudsman about them and was given an email address to complain to nothing happened in short don't deal with them they are a bunch of crooks

Got one of these pre-paid Mastercards for a younger relative to use - without reading the reviews first. The Android app is slow and clunky - sometimes just crashes. You have to enter your password each time you open the app. There's no passkey option, no biometric login, no pin option for the app. Transactions sometimes take days to appear in… Read more

the app. Transferring money onto the card also takes days, and charges apply for Bpay etc. When I downloaded the first 2 months statements, the transactions were in jumbled order - not date order - not sure how they managed that. Not recommended if you have an alternative available. Giving it two stars as at least the few transactions done on it have worked.