Australia Post Everyday Mastercard

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 adds up over time—especially for a product that was previously appealing because of its low or no… Read more

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.

The worst user experience I have ever had . Using your own money this cards support and systems do everything possible to make it impossible to use,log into,top up or access. The support is offshore, out of touch,misleading and not across the brief… Read more

in any way shape of form.Despite admitting there was a broad scale system outage they could/would not give any ETA, nor refund or closure of card, because they 'claim' they cannot access the account. The messaging on the login site says you have changed your password after resetting (because they won't accept the actual correct password) Then, after you jump through the hoops you get the message. password successfully changed, it takes you back to the login page only to reject it again and rinse and repeat multiple times, until your only choice is to phone support , who tell you to call back later, when they 'might' be able to cancel,log you in etc. (at a price) This card is effluent on steroids.The support is abysmal.The systems comedic.The usability of this card is as useful as tissues for a life raft. Under no circumstance, ever,ever consider this nightmare card option.I am surprised the ACCC hasn't prosecuted them for business practises and misleading claims. My fingers are crossed that the ACCC reads Product Review.Especially this page

Make no mistake the awful failure login experience has occurred every time (at least 4 times) I have needed to login.Every single time. EDIT 22/4/2026: It gets worse.The website still disallowing me to login to top up funds so I will drag my money out at the local PO at the first opportunity.This is yet another case of our AUD being managed by an offshore parasite company, where we have no idea who has acces to our data,our ID and our money APost should be shut down form every operation it runs.

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.

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).

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 ???

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.

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.

Purchased when my bank account was scammed and thought it would be a good alternative to using my own card. How wrong was I? Worked well for three months paying regular subscriptions and insurance. Then suddenly with $800 on the account it declined all payments. Contacting the call centre was a waste of time and they even told me to find… Read more

another method of payment for my bills. They couldn't explain why it was happening or how to fix. Customer service just does not exist and the offshore call centre is useless.

Daylight robbery. My advise to any other current customer... Cash out now and leave behind this disgraceful excuse of a credit card business. It'll cost you $10 to transfer your money out, but it's worth it to get your well earned money away from these scammers.

Scam Card – It's a scam. $7 to buy the card. Registration for this card needs more I'd than going to the bank. Then you can only buy 1. For something that is meant to be preloaded with your own money why all the boundaries? Then when you do load it and go to use it....it doesn't work. Worker got stuck at the petrol station because the card couldn't be recognised. And no customer service provided when you do try to call them. DO NOT BUY THIS PRODUCT.

Complete recyclable trash – Totally useless. Unable to use for subscription. To transfer your cash out back into your account will cost you ten dollars. For daily purchases it seemed to work.

Unreliable – Website is not working for a day or more so I can't reset my password to recharge the card. Nothing on website indicating there is a technical problem, login / reset just fails with no explanation. Called customer care, they said there is an upgrade happening with no timeframe to complete. Card is useless if it can;t be recharged.

Web update middle of the week middle of the day – The Muppet running this site decides to do an update in the middle of the day no access to web or card just perfect. Brains of a five year old. Calls router to the Philippines, not even Australia

Unsafe card – This card is very unsafe. If you have one of these cards close it straight away. Mine was scammed and I lost all the money I had in the account and Mastercard won’t honour the amount and Aust Post don’t want to know me. The perpetrators were able to download my card and go through google pay all the way from Dubai. I have no idea how they did this.

Constant issues and zero support from Aus Post. Don't bother – I have had nothing but trouble with this card. The app consistently won't let me in to transfer money across, despite all my details being accurate. To then try and re-set password, it says the card is not registered (it is) - so I go to register my card, fill in all the details, get a 'this card is already registered' message. No phone… Read more

assistance, no help via the website - they just direct me to Mastercard. HOPELESS. This was supposed to be easy and hassle-free, but it's the complete opposite. I will be binning my card and moving to a different provider. Don't waste your time.

Worst Experience made our holiday so stressful – We ordered the APO Mastercard to use on our trip overseas. We have had nothing but trouble, not able to access the App to check/move money from Australia Dollars to Euro and British Pounds. Card worked intermittently, made our holiday stressful and embarrassing when the card wouldn't work. Contact made with the company and all we were provided… Read more

with was excuses. Contact made with ACFA and I have suddenly been contacted by the company, refused their offer of compensation until they could prove other people weren't going to have the same experience, so they contacted ACFA and advised I had accepted their offer, ACFA have been advised otherwise........ongoing saga

Everydaycard mastercard no longer excepted by huge range of online stores and businesses – It's rubbish apps that once allowed payment will not even verify card anymore despite excepting mastercard debit and if you can manage to start a payment it's emidatley blocked by mastercard have called 20 times and told time and again there is no block on my card and it will work to withdraw money at ATM or tap and go just not online waste of money waste of time STICK WITH VISA THEIR CARD WORKS

Good if you don’t what to purchase anything – Card doesn’t work. Try to purchase some phone cases from AliExpress and was declined. No problems I’ll just try Amazon. Declined again. Added to my PayPal for purchases. Guess what, declined again. Ring customer support and apparently card is authorised and working. Stay away from this rubbish product!

Prepaid Mastercard from Australia post – Can’t work out what my balance is, can’t speak to anyone when you use the online system it doesn’t work and says the cards not valid just a crap credit card dont buy it, too much stress