150+
Access to over 150 Foreign Currencies & Accepted Worldwide
VISA
Interbank Foreign Currency Exchange Rates
0%
Foreign Currency Conversion Fee and International Transaction Fee
MOBILE APP
Order/Top-Up/Manage your Card from our user-friendly Mobile App
Why UCE Borderless Prepaid Card
More benefitEnjoy VISA Interbank Rates — No Transaction or Currency Conversion Fees
The United Currency Exchange Borderless Prepaid Card lets you enjoy Visa Interbank Exchange Rates. Get the most competitive exchange rates for over 150 foreign currencies with our budget friendly prepaid card. Whether you are travelling internationally or shopping online or in-store, we do not charge any international transaction fees or foreign currency conversion fees.
Worldwide Access & No Interest or Late Fees
United Currency Exchange Borderless Prepaid Card gives you greater access and selection of Worldwide Foreign Currency Cash when you withdraw banknotes from ATMs overseas and when you make payments instore/online from anywhere VISA Prepaid Card is accepted. Unlike a Credit Card, you can spend your hard earned money your way, locally within Australia and internationally, without worrying about any interest fees or late fees.
You Are Always in Control
United Currency Exchange Borderless Prepaid Card is a VISA Reloadable Card. You are in control of your own spending. Simply Top-Up your Card as needed through our user-friendly mobile app and make a fund transfer from your bank account into your Card anywhere anytime.
Security
Your United Currency Exchange Borderless Prepaid Card is separate from your personal bank account, helping provide added security when you spend. Your funds are securely held in a trust account with an Australian financial institution and VISA Australia. Use your card at ATMs, online, in-store, and overseas with greater peace of mind, knowing your personal bank account details remain protected.
Smart Card for Your Kids (13+)
Parents can get a UCE Borderless Prepaid Card for their children aged 13 and above. Perfect for kids studying overseas or for everyday use at home, the card gives parents full peace of mind — simply load the amount you want your child to spend and they cannot go beyond that limit. No overspending, no surprises.
Easily Manage From Your Mobile App
Take full control with our easy-to-use mobile app. Transfer funds to you AUD Virtual Wallet, order and top up your card, renew expiring cards, temporarily suspend your card, set your PIN for ATM Withdrawal, and track all your transactions in real time. Everything you need is right at your fingertips.
How it works
Download UCE Borderless Card app
Download our UCE Borderless Card app from the Apple App Store or Google Play Store on your mobile. Sign up for your account using your email address and complete the verification process.
Load your funds
After your verification is approved, you will receive your AUD Virtual Wallet credentials and you can transfer funds from your bank account. Once your AUD wallet is funded, you can order your UCE physical card and top it up upon arrival. Your physical card will be delivered within 5–7 business days in Australia.
Spend locally & worldwide
Use your UCE Borderless Card to withdraw cash locally in Australia or overseas, and make online and in-store purchases wherever VISA Prepaid Cards are accepted.
Rates, Fees & Charges for Cardholders
| Fee Type | Amount |
|---|---|
| Foreign Exchange Conversion Fee | FREE |
| International Transaction Fee | FREE |
| Physical Card | FREE |
| Digital Card | FREE |
| Balance Enquiry / Card Activation | FREE |
| AUD Virtual Wallet to Receive Australian Dollar (AUD) | FREE |
| Transaction Fee whenever you use your Card for the purchase of goods or services in Australian dollars | FREE |
| Live operator telephone enquiry for lost or stolen cards | FREE |
| Cost to administer KYC verification | FREE |
| Card Load Fee — Load up less than AU$3,000 | 0.85% |
| Card Load Fee — Load up from AU$3,000.01 up to AU$15,000 | 0.70% |
| Daily ATM Withdrawal Limit | The equivalent of AU$1,500 |
| Card Validity Period | 2 years |
| Minimum Top Up | AU$10 |
| Physical Card Delivery Fee | AU$20 |
| Maximum Card Balance at any time | AU$15,000 |
| Disputed Transaction Fee (per transaction) | AU$25 |
| Lost/Stolen Visa Reloadable Card Replacement (Domestic & International) | AU$20 + International Courier Delivery Fee for outside Australia |
| Card Renewal at Expiry | AU$20 |
| Card Expiry Fee | The available balance on the card at the time of expiry. FREE Card balance transfer when you renew your card at expiry. |
| Card Cancellation & Refund Admin Fee including Funds Redemption Request | AU$30 |
* All transaction fees are charged at the time of transaction and are included in the total purchase price. All fees and charges are expressed in Australian dollars and are inclusive of any applicable GST. Certain merchants may charge an additional fee if the card is used to purchase goods and/or services — this fee is determined and charged by the merchant and is not retained by us. While United Currency Exchange does not charge ATM withdrawal fees, some ATMs may impose their own fees and set individual limits.
Eligibility
All businesses in Australia with ABN / ACN number
Kids over 13 years old
You are a visitor with an Australian address / temporary resident including Student Visa Holder / Permanent Resident / Citizen of Australia
You hold a valid Passport or Australian-issued Driving Licence
Corporate Account
The UCE Borderless Prepaid Card Corporate Account is designed for businesses that need a flexible and reliable FX card solution. Whether you want to pay for goods overseas, equip your clients with a card for purchasing or travelling, or manage regular foreign currency payments — our Corporate Account has you covered.
- Pay for goods and services overseas in foreign currency
- Issue cards to your clients for purchasing or travelling purposes
- Simplifying regular FX payments and employee expense management for control and convenience
To set up a Corporate Account, please contact our team directly. Our team will guide you through the requirements and onboarding process tailored to your business needs.