Qantas Cash

TLDR: It has been a nightmare getting access to my own funds. This is incredibly unethical, and I encourage everyone else in the same situation to raise an AFCA complaint. Details: I put money on my account for travel, and then tried to withdraw the money that I did not spend. I tried to access my money online, and couldn't. I was told to… Read more

download the app to access it, and still couldn't transfer the money out of the account. After an hour with customer service I was told that there was a problem with their backend, but that the money would be transferred out of the account and into mine within 72 hours.

Two weeks pass with no response. I call back, the situation still can't be resolved. So I raise a complaint to escalate the situation. and am told that the request to transfer the funds was sent through to a team that just didn't respond or action it. I was then told I'd need to fill out a form to manually process the withdrawal. In 2026, a company apparently cannot get money out of my account digitally.

I fill out the form, and hear nothing. It's been 4 weeks. The amount showing in my account is now $0, but I haven't received funds to my bank account. I'm trying to confirm whether the money has been transfered to the wrong account, or if it's somehow in my account under a different transaction name. Customer service is non-existant and non-responsive.

The worst product I have ever come across. They will freeze your funds for no reason and leave you totally stranded. Traveling to one city HNL with min expenses made on the card it was frozen for supposedly malicious charges being my daily… Read more

coffee.Couldn't use to check out of the hotel. Customer service is non existent. Worst experience ever - don't use.

Quite few problems using the card especially overseas.when you have a problem using the card you may have to spend quite a lot of time trying to to solve the problem with customer services. I don’t recommend to try to contact them when you are… Read more

overseas and spend a lot of time waiting over the phone.if you decide to take the card overseas make sure you take additional more reliable card

I have used Qantas Pay card in Europe, I've had no issues, never had a fee charged , no problem loading. The only negative is their exchange rates are lower, which hopefully they will look at. I don't mind paying a small premium for the use and points but they do need to become a little more competitive with the rates. Show details

We recently settled with Qantas Home Loans, and the experience so far has been incredibly smooth and convenient. The whole process was straightforward and very consumer-friendly, which made refinancing feel stress-free and well supported. One of the standout benefits for us has been the Qantas Points that came with the loan. As frequent… Read more

travellers, we really value these points—they can go towards flights, upgrades, hotel stays, car hire, and a range of other rewards through the Qantas Frequent Flyer program. It's a unique and genuinely useful perk that adds real lifestyle value, especially when compared to more traditional loan offers.

A big part of why we chose to refinance was due to a disappointing experience with Westpac Home Loans in the past. That experience left us hesitant and cautious, but so far, Qantas Home Loans has exceeded expectations and restored our confidence in the refinancing process.

That said, since we’re still newly settled, we understand it’s early days. While we’re very satisfied at this stage and feel confident recommending Qantas Home Loans based on our experience so far, we’ll reserve final judgement until we’ve seen how everything holds up over the next year or two. We’re hopeful the excellent service and benefits continue long-term.

Card reliability has improved since its inception – Since writing my earlier review Qantas Cash/ Travel card has undergone a few changes in ownership. I think it has finally settled down and become more reliable. But I have moved on to a Wise card. Much more professional with good exchange rates available. Show details

Liars and deceptive cheats. Signed up to a Qantas Platinum credit card based on the "advertised" benefit of Qantas lounge passes, booked eligible flights, and then went to book lounge passes at OOL only to find out that OOL is 'EXCLUDED' as are a number of other major airports! Complaint to Qantas Customer Service fell on deaf ears with response… Read more

basically "too bad so sad". Will be getting rid of this ASAP as it is definitely not worth it without the longe passes. Extremely disappointed in this dodgy airline.

WORST SERVICE EVER. DO NOT USE! If I could give Negative stars I would. Blocked apple pay reload for 30 days after one accidental wrong card reload. Bank transfers they say take 1-2 business days can take up to 4 days to be received! Cannot remove security blocks. Supervisors on the phone give some blasé excuse about security systems but still… Read more

can't help therefore instant reloads are impossible.

WORST EXCHANGE RATES EVER - save your money the measly Qantas points you get are not worth it.

Terrible, avoid it at any cost as I had some extremely frustrating experiences with Qantas Pay. My account was suddenly blocked from adding funds over an year ago when trying to add funds using the same AUS debit card when traveling across Europe and only after a year my card started to allow loading again, so stupidly used it again when traveling… Read more

to Canada. For my surprise, the card again stopped working after a week overseas as it locked itself when trying to load cash using the same card I was using for over a week. When I contacted support, I was told that once this type of block (security one) is applied it can take up to a week to be lifted automatically, so that I should try again after a week (extremely frustrating as it failed when I urgently needed it and I would be back home in a week). Support only possible outcome for my call was to open a complain and that a manager would contact me. Of course received an useless email 2 weeks later just repeating what the support person said. AVOID IT

I assume that this also relates to Qantas Pay as it is now called. I made the mistake of thinking that it was like a bank account. It is not. If I transfer money from it to one of my other accounts, it just says , "to an Australian account" there is no record kept and it takes up to a week for it to actually arrive. you can't use OSKO. i tried to… Read more

ring them to complain that money sent on 25 Feb had just disappeared and it after 15 minutes with a bot and not being able to speak to a person, it suddenly said that my balance was $1000 more than when I started the call, the $100 had returned and there was no way of knowing where it had been on it's 8 day holiday.

I had an extremely frustrating experience with Qantas Pay. My account was suddenly blocked from adding funds. When I contacted support, I was told that once this type of block is applied, it cannot be lifted under any circumstances. I spent hours speaking with my bank and Visa trying to resolve the issue, only to eventually be told by Qantas Pay… Read more

staff that nothing could be done. The only option offered was to cancel the card entirely — and even worse, I was informed that once cancelled, I would never be eligible to apply for a new one. There was no meaningful explanation, no escalation process, and no solution. Just a permanent block and a take-it-or-leave-it cancellation option. To anyone considering Qantas Pay, do yourself a favour and avoid it. The lack of flexibility and support was incredibly disappointing.

Qantas Pay or Qantas Prepaid Travel Card is likely the worst card on the market. Not only is it an atrocious uncompetitive exchange rate (about 4%) where most prepaid cards with banks are fee free, with zero conversion fees. People have a loyalty to Qantas and think this company will look after them but thats totally not the case. This product… Read more

was originally with Heritage Bank and now I believe its something to do with ANZ. The app is terrible, The customer support is terrible, waiting hours on the phone. I try and use the card within Australia for AUD purchases to avoid fees and still earn points and it worked for paying bills etc. The problem is there are so many restrictions. The app does not update transactions instantly, often taking hours or up to a day. Realtime top up via google pay or debit card is instant but with restrictions.

I Made 4 of these transactions in one day and had the account restricted. Did one the next day and its already restricted again. Certain transactions can often trigger the card to be restricted or blocked requiring a phone call if you are buying gift cards or certain other websites. It happened even buying a gift card on Woolworths official website.

While the product could actually be ok, it has potential as a card to use to earn a few points paying bills etc I couldnt recommend it due to so many restrictions and glitches. Its also not possible to use it on many sites, as its not a debit card or a credit card, many hotels do not even accept it. Afterpay do not let you add it to pay in AUD, further limiting because afterpay can be a handy payment tool.

Would go as far to say this card is dangerous to use overseas if its your only card because of the hidden fees, restrictons unreliability, glitches. People rave about wise, which can be handy but you are also very limited with protection of funds on the card, although the app is so much better. Wise is an option, but I highly reccommend fee Free debit cards like Macquarie Debit Card, Up Bank, ING or Ubank or various other options (literally any bank is better than Qantas Pay card) The mentioned cards settle at the Mastercard or Visa daily rates and not their own hidden rate like Qantas so at-least you can check what card is the best rate before making big purchases. With the added benefit of Australian protection guarantees due to them being real banks, and full access of your money to and from the card, and even competitive savings rates by keeping your savings in an easily accessible linked account.

In terms of best currency rate, Wise can be good when the currency is moving in favour of AUD, if its rising, it is usually better to use one of the above mentioned visa or mastercard. Avoid Qantas Pay as it is a kindof scam! Have travelled the world for decades and mostly use ING and Macquarie for their reliability and no fees. (often even free to withdraw from atms)

Qantas "Double" Charge on Qantas Pay. Beware if you load $$ via Apple Pay it processes from your account as a Pending (on hold) transaction. When Qantas Pay process the settlement it gets deducted again as another transaction so you now have that amount deducted twice. The account will stay like this for up to 7 days before the "pending"… Read more

transaction is removed.

This is the fault of the financial engine behind Qantas Pay.

I used it for a large amount and of course after the second transaction was processed it overdrew the account.

There is no other way to avoid this. Transferring direct from personal bank account via OSKO still takes 2-3 days to land in the QP account which is totally ridiculous.

Don't even try and talk to anyone to try and get the pending transaction released - total waste of time.

It is a very touchy card. Will often not work at atms ,even declines in retail shops. DO NOT rely on it. Problems in europe uk korea. Worked fine in NZ. Worked at bank atms in italy ,nowhere else. Given you dont get a very good exchange rate i wouldnt recommend Show details

Qantas money deducted $800+ from my account without any transaction record or reason. The staff admitted that taking the money was an error. 2 months later there still blatantly refusing to return it because "there investigating why it disappeared". They have refused to reimburse me, tbey have refused to do anything to help, they left me unable… Read more

to pay bills because they dont want to return money they took without cause.

Even trying to call them to discuss it aperently its handled by some magical department no one seems.to be able to transfer you to or put you in touch with.

Such disgraceful busniess.

I would strongly recommend against using this card. If you have a problem with a funds transfer customer support is all but non existent. The Customer Service contact number is an offshore call centre who are unable to assist in any meaningful way. You cannot speak directly with the Complaints and Dispute Resolution Office, you have to email… Read more

them and don’t be surprised if you don’t get a response. I transferred money onto my card by bank transfer and instead of Australian dollars being loaded as per my nominated default currency the funds were exchanged into US dollars. I lost over $200 as a result of this error and despite making numerous calls to the Customer Service and sending emails to the Complaints department I have been unable to resolve the issue.

Really hard to deal with customer service! My partner received an email for the new Qantas pay debit card, I rang up and got a card sent to me . When I received it my name was correct but I noticed the letter was addressed to my previous married name from 15 years ago. I called them and they corrected the name, but insisted I send my drivers… Read more

license and a photo of me holding the license to update the email address! Their data is super old, they claim I’ve had a card since 2013 - which I haven’t (sounds more like a data scrape from 2013!) so I doubt that they can be trusted with my money either!! I’ve since read reviews on their exchange rates which are 4% higher than Wise Money. Save yourself the hassle and don’t get a Qantas money debit card!!!

Poor service I had a payment declined the money never came back 300 , for visa application so payment was for embassy they eventually just pulled the pending and no history of transaction when I call they say they will call back , on the phone they admitted problem but refused to fix problem….. it’s a third party con Show details

The most frustrating thing using the Qantas Pay App whilst overseas is that you must have a phone number to verify (the only option is sms now). So was unable to check my balance. Show details

No customer service at all. Fraud has been ongoing so far for 4 months on our card and although we constantly fill out dispute forms and eventually get the money back the fraud continues. When we get the latest dispute settled we will close the account

I have received a new Qantas Pay card and the accompanying letter says I should sign the back of the card. I might be a simple person but I cannot see anywhere on the back where I can sign. I called their number 1300 992 700 and failed to get through to a real-life person. I did push the connection to 'lost or stolen card', got a dial tone but… Read more

it hung up after 5 seconds. Thank goodness my card was not actually stolen. Does qantas actually look at these reviews? I dont see any replies?

Wow, I’m hardly surprised at all the one star reviews. UNBELIEVABLY, well I find it so, THEY SENT ME SOMEONE ELSE’S STATEMENTS!! With all the details and so presumably sent all my statements also to a perfect stranger. They didn’t seem overly concerned, as though it wasn’t a rare occurrence and eventually said they would give me 60,000 points for… Read more

the mistake, which never arrived and when I rang, I was continually transferred time and again. Considering privacy issues today, I found it an absolutely appalling situation.

Absolute rubbish card. extrenely poor exchange rates and doesn't work in a lot of places.just spent 8 weeks-in Europe and it only worked in 50% of places we tried. ( like buying fuel etc). also if you want to try to book something online such as event tickets attractions, hotels etc they want to send you a verification text. too bad if you… Read more

are'nt using your Australian number. You have to ring them and go through a painful verification process that takes 20 minutes. Tried to get this turned off but not possible

Fortunately we had a macquarie card as backup.

will not use qantas pay card again.

this is a prepaid (or debit) mastercard, they give you a BSB and account number for loading it up with money; they changed the BSB (without, it seems, telling anyone); an enquiry revealed that they had changed the BSB I needed to use. Further emails (to establish the accuracy or otherwise of what I've just said, ie, they didn't tell customers in advance) have gone unanswered Show details