An acceptable card with funds transfer issues as it winds down
I have used St George GC card for a number of years and generally found it worked well. In fact preferred it to some of the over the counter cards bought at places like the post office where exchange rates or fees could be nasty when used . However there are a number of issues and limitations that for me never made it a great card.
Recently I have had bank notification that the card was to close replaced by a new system. I then started to put some money back to my normal account as recommended by the bank. After a week or so I found the mon...ey, while immediately deducted from my GCC account, my normal St George account had not been credited. A call to the St George GCC people they explained this takes up to 20 days (three weeks!!) to do the transfer and the card transfers are at the behest of an overseas operator who manage this side. Are the interbank transfer requests sent by mule instead of internet? Why is the overseas operator slowing the transfer down and why cannot St George step in to speed things up- it is after a St George Bank branded card? Anyhow having said this I will try their new travel card and stick with St George as I still think they are a great bank overall
A good practical debit card, better than some!
I've had the card for over two years, used it locally and overseas in various different locations with any problems. Its very easy to load from my St George account. The downside is that it doesn't have Pay-Wave but then that helps to make it more secure when travelling. I particularly like it for ordering online, very easy, no knock-backs as I found with some others. I also have a Qantas Frequent Flyer travel card which by comparison I find very clunky, cant use it online, when I lost my phone when overseas I ordered a new one to arrive at my ...next destination the Qantas card refused the transaction, delivery had to be to my home address but the St George Card allowed it. I would never travel with just one travel debit/debit card but would certainly include the St George card.
Never worked and one time it did they disabled the card
Didnt work in usa uk ireland italy france, when i tried using it online. The card was canceled and i have no way to get the money off the card
Would give it no stars if possible - Not secure and not run by St George.
I’m editing this review a third time now that my dispute has been settled. Firstly, I’d like to share part of an email I received in regards to my dispute that contains important information that was never disclosed to me by the branch staff who advised me to order the card:
“Rv Australia Pty Ltd ACN 117 378 953 AFSL 401610 manages the St.George Bank Global Currency Card product for Cuscal Limited ACN 087 822 455 AFSL 244116, an authorised deposit-taking institution. Cuscal Limited is the issuer of the product but does not take deposits from y...ou. Westpac is not responsible for and does not guarantee this product or card or your ability to access any prepaid value or the use of this product or card.” (for those who are confused, Westpac owns St George and they are effectively the same bank). My dispute, which I detailed in the original post below, was resolved extremely efficiently once St George received my complaint through the AFCA. For those who’ve had similar nightmare experiences, I highly recommend launching a complaint through AFCA. I appreciate the professional and efficient handling of my complaint by St George once it was escalated to higher levels, however this would not have been necessary if St George better trained it’s staff on the helpline and took responsibility for the product to ensure it provides a better service. My original complaint below: 1) This card is not secure and not operated by St George. It is just sold by St George. That is why you have to have a separate app to use it, which requires less log in security password and questions. This information was never disclosed to me. 2) Due to the card NOT being secure, I received fraudulent charges. My card was cancelled due to this, but not before I had lost almost AU$600 in charges. It takes 45 days to received these funds back.
Card does not work
I went to try the card out locally in Australia to make sure it worked and it doesn't. I have activated and and loaded it with AUD. Sounds like this card is going to be more trouble than it's worth. Glad I tried it out locally first.
It helps us a lot. A good travel card.
We use it in USA. This is only card we prepare to use here. It is convenient, very easy to use. shopping, hotel, restaurants, ATM withdrawals. No problems. If you need rent a car here please take credit cards with you. Globle currency card can't do that. And it can't use to buy money order in Walmart. If you reached ATM withdrawal limits, have to wait for 24hours. Not just after midnight. Have to wait 24hours from the time your last withdrawal. This is our experiences. Hope it helps. We are very happy with it. Thank you.
Easy to transfer money on to card from my own bank account but money left on card is lost as can't be transferred back to my bank account. Can transfer money from Qantas Travel Card back to my bank account so why not St George!
Waste of time and money
Used the debit card as hotel security holding in San Fran and I have to wait for 30 days to get the money back into my account.
Called St George and was told to get the hotel to send a FAX yes a FAX to St George to speed up the refund or wait 30 days.
I had an email from the hotel but St George will not accept an email
I was told a third party and not St George handles the transaction
Absolutely dreadful- avoid!
I had problem after problem with this card. Whenever I tried to make an overseas withdrawal (the whole purpose of having the card is for situations like this), it would get blocked “for security reasons.” I would then have to phone St George from overseas (it’s not a free call, either), and wait on hold for up to 15 minutes to unblock the card. One particularly ludicrous time, the person at the call centre told me I would have to come into a branch and show ID to unblock the card. For god’s sake, I was OVERSEAS! I couldn’t just go to a St George branch. Luckily, I had another bank account, because otherwise, I would have been completely without money.
Lost money and wasted my time
Extremely disappointed. St George failed to tell me it wasn’t even working when I had already activated it prior to going overseas and converted money on it. Then I had to convert the money back from USD to AUD and lost money. Man I spoke to for help was argumentative and unhelpful. Never use again
Haven't left Australia yet and already unhappy with the card. Sorry to say St George has been deceptive in their promotion of this card. $A500 only converted to 263 Euros, that's 10 cents lower than the exchange rate equivalent. To then change it back to Aussie dollars, within 5 minutes, I would have received $A465, that's a loss of $35 in 5 minutes. Performed these transactions in the branch and was advised that "that's how the stock market works."
Will be emptying it out and not reloading - rip off.
I have been a customer with St George for decades, very disappointing.
Look for a card elsewhere- AWFUL
This card was delivered very quickly and was described to me as easy to use with the online global card app- separate from the st George app. Although it was incredibly easy to transfer money to the card, but not from the card. I was unable to transfer any of the funds back to my normal St George account which is SO unhelpful. It had the option to transfer to a few currencies (Euros, USD, etc.), but the St George employee told me I could transfer to Indonesian dollars- Wrong. I was then informed it still had lower withdrawal fees and would auto...matically transfer currencies without any fees and that I could use it to withdraw from ATM’s as well as pay via eftpos. Again wrong. I quickly realised it was simple to withdraw needed money from ATM’s but would not allow me to pay for things via eftpos which was not desirable having to carry large amounts of cash around places while shopping. Once I had returned from overseas, I thought it would be as simple as going to the St George Cashier to withdraw the money. Wrong. I was told I had to use the ATM. When doing this, the ATM declares I needed to contact bank and was unable to withdraw the leftover funds. Due to the staff at St George not being trained in the Global Currency Card and accounts (including the branch manager), this made it difficult. I was told I’d have to call the assistance number. Why should this card be offered as an option by the staff when they are not trained in using it, when the app doesn’t have features to make it easy to transfer to and FROM and when it is not a card the cashiers can use to withdraw the cash from. I do not recommend this card and will be looking elsewhere for my next travel card.
St.George Global Currency Card
This card isn’t supported in Vietnam. Loaded money to card and will take ten days to get back. Where does it sit for ten days?
Though card was linked to st george bank
Wouldn’t give me a card unless I opened an account
After a fruitless attempt to get a Westpac Global Currency Card (see my review of that card), I saw St George was running the same $50 bonus promo. I attempted to sign up for this at the branch in Queen Street Mall in Brisbane, as there is no way to sign up online unless you’re a customer already and have internet banking access. I never got the card, as despite all their advertising, staff said I had to be a customer to sign up, despite that not being a condition on either their website or in the advertisement. Again like Westpac, staff tried ...to pressure me into opening a transaction account, with monthly fees associated. It’s a shame, because I actually fit the use case for this card as it has free withdrawals in Ukraine at a preferential rate.
Used this in Hawaii and also Thailand. Had no problems and it worked fine everywhere.Installing the travel card app was painful but excellent once done.
Questions & Answers
Why does it takes 10 working days to transfer it back to my st George saving account it was instant the other way around ?
the card is a service, something that like sub bank of st George & visa. it only worked for me in paypal and never in any overseas atm / epos.
GOOD QUESTION. Exactly what I put to St George. Unfortunately, no one from St George here, the only response you’ll get are from other customers who are also annoyed.
Can I transfer the unused money back to my saving account
In theory yes, but apparently even though transferring from your regular St George to your GCC is instant, transferring back takes 10 business days. And with how often things go wrong with this card, I wouldn’t want to rely on even that happening.
I just saw your other question. If you’ve already loaded Australian dollars to the card, and are still in Australia, you should be able to withdraw it from an ATM. This may be the fastest way to get it back into your account. If you have changed the money to foreign currency, you will loose too much concerting it back to Australia dollars only to convert it again through some other institution. It’s nit ideal, but I recommend withdrawing what you can when you get to your destination and work at emptying it out over the first few days (you can only withdraw a max of $2000 AU per day).
Thank you every one I am still in Australia so I think I will withdraw it and deposit it back to my saving account and just use my normal debit card while overseas
After reading all this negative comments I am very worried to use it overseas I was hoping that I can use it for e.g. paying for hotels and transport overseas otherwise I will just have to keep withdrawing cash
I highly advise against this card. Firstly, it’s not operated by St George. Here is the information you’ll receive only once you’ve made a complaint (copy and pasted from email):
St.George Global Currency Card Dispute Team
St.George Bank - A Division of Westpac Banking Corporation ABN 33 007 457 141, AFSL and Australian credit licence 233714, is the distributor of this product. Rv Australia Pty Ltd ACN 117 378 953 AFSL 401610 manages the St.George Bank Global Currency Card product for Cuscal Limited ACN 087 822 455 AFSL 244116, an authorised deposit-taking institution. Cuscal Limited is the issuer of the product but does not take deposits from you. Westpac is not responsible for and does not guarantee this product or card or your ability to access any prepaid value or the use of this product or card.
I've never had any problems withdrawing funds from my St George travel card.
It's very interesting that Rev issues many of the travel cards, yet the Velocity, Qantas & ANZ (online application & a fee of $11 for 2 cards, and branch collection) are the only travel cards that have your name on them.
ALL travel cards 'SHOULD' have the card holder's name and a 'chip' on them for an added level of security. If you still want a card without your name on it, you can still do this.
The only way to change the way these cards are issued is to put pressure on the financial services industry to change the way these cards are issued, especially when ordered on the internet, like many banks do.
Also, do a check on how much you'll be charged for ATM withdrawal fees:
St George, Westpac, Bank of Melbourne & Bank SA cards won't charge you fees if you withdraw @ a 'Global Alliance' ATMs.
Some will charge you from $1.25 (Global Wallet) to $3.50 (ANZ) or Australian equivalent.
Do you homework very carefully, then choose for yourself.
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