Does Australia Post’s Load & Go Visa deserve the stamp of approval?

Does Australia Post’s Load & Go Visa deserve the stamp of approval?

australia post load and goMost Aussies still see Australia Post as the handler of snail mail and parcels from nanna. But with its new Load & Go Visa Prepaid Card, our national postie embraces 21st century technology by launching its first Visa card. Funny thing is, Australia Post’s latest offering isn’t actually a credit card, or a debit card even. What’s more, the Load & Go charges no interest and there are no sign up restrictions. Has Australia Post unlocked the holy grail of Visa cards?

What is the Load & Go exactly?

The Load & Go Visa is a PREPAID card, where money is directly stored on the card much like a gift card or telephone call card. The card is accepted anywhere that takes Visa which means you can shop online, by phone, in store, and withdraw cash from ATMs at home or abroad.

Since you only spend what you load on the card, you don’t incur any interest charges like you do with credit cards. And unlike debit cards, you don’t need to link a bank account to the Load & Go Visa card. But the biggest drawcard is there’s none of the usual credit card paperwork, application forms, or even credit checks. You simply provide basic details (name and address), nominate a PIN, load up and away you go. There’s a one off cost of $6.95 for the card itself and there is a mandatory initial loading of $20.

Can you take the Load & Go overseas?

UPDATE: Since this post was published, Australia Post has launched the Load & Go Travel, a prepaid travel card designed to be used for overseas purchases. You can read about it here.

Yes, the Load & Go Visa card is connected to the Visa network so it should be accepted wherever Visa cards are. But unlike speciality prepaid travel cards that lock in foreign exchange rates before you travel, the Load & Go only takes Aussie dollars. With overseas transactions, the Load & Go charges a 3% foreign currency conversion fee, which means you could potentially lose out when your Aussie dollars are converted overseas.

Foreign currency conversion fees also apply if you use the Load & Go to buy overseas online shopping purchases. You’ll pay the Visa card exchange rate plus a 3% conversion fee. So be sure to do your sums to make sure that online purchases from overseas shopping sites will turn out to be the bargain you think they are.

Load & Go features

Although the Load & Go is low maintenance and makes sign up easy, there are some traps to watch out for.

To load money onto the card, you can do it the old fashioned way by going into any Australia Post branch or online. In-store reloads are instant but online reloads can take up to 2-3 business days to process. The maximum load per transaction is $999 but there is a loading cap of $5000 every 30 days, and it can’t be used for direct debit payments. Remember to choose an easy to remember password for your PIN since it can’t be changed during the life of the card.

There are also some fees attached to the card that could eat away at your balance if you’re not careful. A simple phone call to check your transaction and balance history costs 50 cents, and if you need live customer service you’ll be stung by a $4 fee. The card expires after 2 years and if you have any remaining funds on the card, you’ll pay a $1 management fee every month until your remaining balance reaches zero. To stop this management fee, you’ll need to pay a $15 renewal fee to receive a replacement card.

The stamp of approval?

Where the Australia Post Load & Go really sets itself apart is the fuss-free sign up process. This enables people on low or fixed incomes who might otherwise be excluded from bank credit cards, to enjoy the benefits of Visa’s worldwide shopping network. Although there are some fees attached to the card, the Load & Go Visa is definitely worth a look for those don’t want the temptation of a credit card.

Does Australia Post’s Load & Go Visa deserve the stamp of approval? was last modified: June 24, 2015 by Shaun Leung

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104 Comments - Write a Comment

  1. To purchase your Load&Go card online, simply add the card design of your choice to your shopping cart (limited to one card per order) and pay $26.95 (includes a card purchase price of $6.95, plus a mandatory initial load of $20). This initial $20 will be loaded onto your new card, giving you $20 for use online, by phone, in-store, overseas, or ATMs – anywhere Visa is accepted.

    Reply
  2. I travel international often and at first was keen on Load & Go , But start up fees and card expiry soon put me off. It makes it not the cheapest or convienent way of accessing my funds over seas. Always have to keep in the back of my mind when the card expires . If the card had no expiry i would consider using it again.

    Reply
  3. Will Australia Post acknowledge a situation where a potential fraud can be made using one of these cards, and if so would they assist police in their inquiries to redeem the funds back to the purchaser, if such a fraud does take place?

    In my particular case I made a purchase for an item worth $720. The card holder being the seller, uses his AP Load & Go card to receive the full payment by quoting his BSB number being 880100 (Heritage Bank Toowoomba) and his account number 9743512## in account name of Load & Go. My money transferred from my account Bendigo Bank Strath Hill branch to the above card holders card account and NOW all subsequent email contact cannot be made. I have not receivred the goods and I am poorer by $720. The Bendigo Police will not help until details are provided of the account holder etc. http://www.gumtree.com.au was the medium where the $720 camera was found.
    I will follow up my original complaint with Australia Post and I am awaiting further assistance from Gumtree, and Bendigo Bank, however I am interested to know if Australia Post has got safeguards in their Load & Go policy to help customers redeem their funds if proven that they have been defrauded?
    Thanks
    Alf

    Reply
  4. Alf,

    Yes Australia Post have safegaurds where possible, however I would not recommend ever sending money to an annonomous seller (Gumtree is rife with this type of event).

    When you suspect something, immediately contact your bank and they will initiate a trace on the transfer which will get to Aus Post. They will freeze the funds if still available (normally the crook would have taken the money already) and return to the requesting bank.

    Once a police complaint is made, the Police can contact banks and/or post to gather information for their investigation.

    The real issue is dont give your money to an unverifiable seller. Even Ebay’s real site (remember Ebay own Gumtree) at least has seller feedback so you can see how many feedback they have if people are happy with the seller etc.

    Reply
    1. thanks for that info but realy as for police help thats a real joke i have done this and told its your fault for being stupid rite it off and be careful in future so thats the police help what hope do we have to stop these scammers

      Reply
  5. I think Aust.Post should be more upfront with load &go,far too many hidden costs I mean come on $4 charge to call your customer service to ask a question plus your phone call cost on top of that REALLY isnt that a customer service is there to help people. I would not recommend this product to anyone, you should be more honest.

    Reply
    1. i totally agree i have one and so far have so much problems trying to pay for things only to be told it did not work of knowing i have put 100 dollars in it at 60 dollars saying insufficient funds its not on just another rip off with out real customer services

      Reply
  6. Kevin Boyle

    Hi Laella,

    That’s actually a great question! We gave Australia post a call to confirm and they told us you’ll need to be at least 18 years old to apply for the card. If you take a look at some of the comments above, you can see why that’s probably for the best.

    Hope that helps.

    Reply
  7. Used The Load & Go card overseas and in Australia – no problems, worked well..!!
    The main problem now is that I can’t login to my account to check transaction details.
    Have tried re-setting both password and access codes (several times) and contacted the support-line to see if they can do anything.
    Telephone support for this product is in the U.K…!!
    The latest is that details will be sent to technical support and they will respond through my nominated email address. Meanwhile, I still have no access to my account details online.

    Reply
  8. When I purchased the card at an Australia Post office they mis-spelt my name when contacting telephone support they charged me $4 to change the spelling – a bit inconsiderate on their part.
    Also keep trying to log on with the correct details, but it won’t let me log on – takes ages to get information back via email!

    Reply
    1. Load and Go also misspelt my name but luckily I wasn’t charged $4 when I reported it.
      I was charged $4 however, when I reported that fact that money had been stolen from my account – their response. “Don’t worry, the merchant will refund the money”. I never saw that money again and it looks like Load and GO won’t be refunding it.

      Reply
  9. Question guys…if i want to buy a gift from a US website and send to my auntie’s US address will this card work? this website doesn’t accept international credit card so I am wondering if I can register the load and go card with a US billing address..help please!!

    Reply
  10. Hi I have purchased a Load and go card to save for a holiday. So the money is out of my main account. Is there a maximum you can have on your card at one time. All I can find is minium deposit $20 and maxium at one time $999. But not how much you can have on the card at one time.

    Reply
    1. Shaun Leung

      Hi George,

      You can hold up to $999 on the Australia Post Load & Go at any one time. This explains why the maximum single load amount is $999.

      Australia Post also allows you to make $5000 worth of transactions each month. But given that you can only hold $999 at one time, this means that individual transactions can’t exceed this threshold.

      All the best with your holiday plans!

      Reply
  11. Has anyone had any luck reloading this card via postbillpay? I have tried using three different cards, both visa and mastercard and had no luck! AusPost advise me to call the Load&Go helpline, however I am reluctant to pay $4 for something that they are unlikely to be able to help with. Anyone had a similar problem?

    Reply
  12. I have wasted hour today trying to reload my load and go card on my nokia browser internet. I got to the final screen- we are processing yr payment,please wait – screen froze there. So my load and go card is not loaded

    Reply
  13. My suggestion is to avoid this Aust Post card like the plague if you want to use it overseas. I tried on a number of occasions, the transactions were rejected but the amount of each attempted purchase was frozen by Austpost for weeks so the claim of immediate access to your cash is bogus. It then cost you money to resolve the problems Load& Go creates.The card is an embarrassment to use. This is a money making scam. I have a free Visa card from Westpac and they are fantastic people to deal with.

    Reply
  14. cheap jerseys outlet · Edit

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    Reply
  15. Hello, what do i put when it asks for ‘Name on Card’? i have tried typing ‘Load and Go’, ‘Valued Cardholder’, my username, my registered name (first and last name), and the Card ID etc….i really do not know what to put. thank you!

    Reply
  16. Agree with Hunter – these cards are an expensive waste of time & money. DO NOT USE!
    They are definitely NOT an alternative to gift cards as you can never use the amount you load up.

    It costs $6.95 to buy the card. It then costs a min. $0.50 to activate the card, plus $0.09 per transaction, so if you give someone a $40 “gift card” the most they can possibly use is $39.41 – and that assumes they actually manage to get the text pin service to work, which it didn’t for us – it then cost us $4.00 to get a pin from a customer service agent, as the voice recognition service didn’t work either! So, from a $40.00 card we’ve ended up with $35.91 available to use, and it cost $6.95 to buy the card in the first place.

    Total – it has so far cost $11.04 to get $35.91 available on the card.

    But don’t forget – it’ll cost $0.09 to use the $35.91….meaning there is actually only $35.82 available.

    Rip off.

    Reply
  17. I cant even register this card. I have had money taken from it at Woolworths whilst it was in my wallet and was pushing in my card of choice. I have never used this go and load card and never intended too. Apparently if it is not registered it is not active for use. And now I see you have to be registered to make a transaction complaint and have 45 days to dispute it and at your cost. All the info provided is crap and they have changed the wording of security terms to completely confuse you and make it impossible to register the card. Asking the staff at AUSTPOST is a waste of time, they know nothing. THEY HAPPILY TOOK MY THOUSAND BUX AND THEY WILL BE GIVING IT BACK!!!! Dont touch em, they are scum…think about the care factor in your mail delivery, they are a joke!!!

    Reply
  18. Would not recommend purchasing the card, I’m not even sure why it is still for sale. Have had experience with them a few times both personally and within my family as well as know of many others who have bought or received them and in every situation, the same problems have existed.
    Ongoing issues with registering it, reloading it, logging in, accessing funds etc and when you call to receive help, there is no option to speak to anyone or even reach a general enquiries section. There are also constant costs that you have no choice but to pay and using the number I mentioned above even incurs a cost! You are also required several times to send them very private details and copies of private records and information through the website, phone and email which doesn’t make you feel comfortable, especially when you are unable to contact anyone directly. I, with many others would love to be able to contact the company to let them know of these issues however it is not possible which is frustrating. I would definitely go for the basic gift cards rather than go through the hassle of trying to use one of the reload able ones..very angry and disappointed.

    Reply
  19. Total load of Sh&t! I have tried to use to purchase goods online many times and when it asks for name on card I use my own or load and go etc and you ALWAYS get your transaction failed. ALWAYS! Now I’m stuck with a card with money still in it that i can not use. AVOID THIS SCAM!

    Have a great day!

    Reply
  20. DO NOT GET USE THIS CARD!! I just returned home after a trip to Vietnam. I have had nothing but trouble using this card. First of all, I set up a pin number at the post office when I activated the card. I deposited $1000 into the account. The first time i tried to withdraw $400 from the account at an atm it told me the pin number was wrong. After a couple of hours trying to get a hold of someone on the phone I finally managed to reset the pin, however the $400 dollars had vanished from the account. It took 4 weeks to reappear into the account. Most credit union banks will not let you transfer money into this card. I am lucky i took my visa card as a backup otherwise I would have been stuck overseas with no money. This is a bad choice for anyone wanting to travel.

    Reply
  21. When trying to convert AUD to GBP I found I could not log in to my Load&Go travel card. One week after the first call to a call centre in Scotland I still cannot access this card. Appalling customer service and extremely frustrating. I have decided to complain here in Oz to consumer affairs after I was told that I would be charged $15.00 card cancellation fee. Do not have anything to do with these cards.

    Reply
  22. How do you claim the balance left on the card and cancel it once back from OS and no longer want to use it? The FAQ say there will be charges until balance is zero or balance is claimed.

    Reply
  23. I don’t know why everyone is being such a grumpy boots. I have had no problem using this card, except for the odd failure on the website’s behalf to let me check my balance … but I’d rather have a minor inconvenience than be left with a large hulking bill.

    I totally agree with this review, it’s a great card that can be used without interest. As for using it overseas, I’d be smart and use actual cash if I want to travel.

    Peace out bruvs.

    Reply
  24. Absolute total rip off.
    I deposited $1000.00 into Load and Go. After 2 days of ringing friggen Scotland Call Centre, to be told that they are looking into it, I STILL HAVE NO MONEY IN MY CARD.

    No help at all from Australia Post, and totally stonewalled by the Scottish Call center.

    STAY AWAY FROM THIS PRODUCT

    Reply
  25. I tried to use the load and go card to purchase some magazines at the news agency and was told that I could not use the card for that, only for official aus post items even though this card came from them!!

    Reply
  26. Bought the Load and Go card about 2 months ago. Nothing but hassles. They don’t tell you at point of sale that Australia Post doesn’t even
    accept their own card. I rang the complaints hotline – idiots. They told me to get legal advice! The name of the bank who supplies this card is Heritage bank which is based in a different state so again,
    different rules. Steer clear.

    My 1st complaint was within the first week, actually 1st attempt! I tried withdrawing money from the card and got a 2
    dollar fee! All the banks want a cut, in some cases for doing nothing!

    My 1st withdrawal was for joining a dating site twice in 2 days, they didn’t tell me my 1st withdrawal had worked so I have paid 2 months worth of access. Where do we get help?

    Reply
  27. Never had a problem! I have paid for items on eBay many times now, and have also transferred money from my bank account to this card without a hitch! The only thing I don’t like is you can’t open a Paypal account with this card, which means it’s easy to be defrauded out of money. Otherwise, a great card 🙂

    Reply
  28. Well I live in Canada and my father purchased this card and then sent it overseas for me to use. I recently tried to use it and it got rejected? Does the card have to be activate online or something?

    Reply
  29. This would be the most difficult and expensive load and go service around. Getting help is right up there with having to provide your first born. I have a small balance which I cannot get off the card and I can’t get an answer as to why. When I try to use the card, it always comes up with insufficient funds … it’s totally useless. Oh! and when I called up to check my balance, there’s a $4 fee!

    Reply
  30. This Load & Go card is a load of garbage! I am still trying to locate $100 I paid into my card at the post office! They can’t help me but advised me to ring the $4 help line, to no avail. When I went to pay for an item it comes up insufficient funds! So frustrating! Steer clear!

    Reply
    1. Oh no, I reloaded $50 this afternoon and it’s not appearing either. Called the helpline just to be told to go to the post office and see if they can sort it out. So now I’m not very hopeful that my money will be found. I won’t be leaving that post office until my $50 is either refunded or put on the card…not happy!

      Reply
  31. i bought a load and go prepaid visa card,when i am doing the process of registering,i need to key in the web site password as well as new access code in the security details column,it just cant get thru,in the live chat
    session,they dont even know what is suppose to key in
    under these column,instead i was advise to call a particular ph number,and it will cost me $4,is this a good customer support?i assume they intentionally cause this confusion so that registering is impossible
    ,then the $ cannot be used,very bad service,beware

    Reply
  32. I just don’t understand what number should I use to enter the web site password? I’ve tried many times but it just didn’t work. Moreover, the new access code (6 digits) that I was suppose to key in under the security detail, I tried the number during my first purchase number in the post and it just did’t work.

    PS. I also need to fill up these two columns for security reasons when I was registering my card,it very frustrating indeed.

    Reply
  33. I bought a Load & Go Card and put $50 on it. On top of a $6.95 fee then when I went to buy something online that was $29.95. Thought I was right but no. I got charged $24.99 for a first time activating fee …the $6.95 is the activating fee but you get charged another fee online! It’s nothing but a scam and hidden fees on the Load and Go. There are also other fees which Australia Post does not inform people about, and it’s not written on the card when you purchase it. Rip off scam!

    Reply
  34. It took my money when I wrote Valued Cardholder for a transaction but now I’m having a dispute with a merchant that claims they can’t find the transaction. So what name appears on the merchant’s statement? I couldn’t get this out of auspost.

    Reply
  35. NO NO NO. Do not use this card. We got a card for our son to use on an overseas trip which worked fine but 2 months later Aust Post decided that there was an issue when this card was originally purchased and so put a block on it.
    After 3 weeks of phone calls not one return call from the customer support. We have been told four times now that they will be back to us in 3 days time. These people are holding my sons funds and refuse to help. We are now contacting the financial ombudsman .

    Reply
  36. The basic concept of this card is OK but the process of Registering, Login, Customer Support and hidden charges is confusing and misleading. Its almost impossible to register and login on line. I have failed and they require a fee $4 to guide me through the procedure. I think that the Fair Trading and Authorities need to look at this. Heritage Bank, using the good name of Australia Post, must have amassed $Millions invested in this card and must be earning a fortune from providing customer service at $4 per contact. I will be spending the balance on my card as quick as I can, if I can. I have been informed because of problems registering and logging in my card has now been frozen. I must now find out how to get my money back. Shame on Australia Post and Visacard for allowing this to happen

    Reply
  37. Terry Lee-Williams · Edit

    Few major issues. Card locks automatically if you put PIN in wrong ONCE! No notification, the card just becomes locked. And try calling the help centre and be put on hold when you are on global roaming! In the end I didn’t have a chance to use my card. They had records of every rejection, but never thought to send an SMS advising card was reset, or contact me. Funnily enough, had to use my good old Visa card from my credit union. Worked no prob, no additional fees, and they SMS’d me straight away to confirm it was me spending my money. Forget this crap product.

    Reply
  38. Its a piece of crap. Post billpay doesnt work and funds arent showing up on the card after transferring money using Internet Banking 2 days ago! Never using it again.

    Reply
  39. Never use this! I have lost so much money with this, they take $5 off you, then $10 later on, then $40 whenever you load it, or not using it anymore. It absolutely sucks. I looked at my transaction history, nothing! The money just disappeared!

    Reply
  40. It is fraught with problems. Firslty, there are hidden fees they do not tell you about – and lots of them too. Boy I am going back to my good old credit card.

    Secondly, their service centre is in the USA and whilst you can call them on a 1800 number they are not very effective. We transferred $500 to top up via bpay and they have lost it and we are having all sorts of problems getting it back. They would not call me and update me so have had to get our bank involved.

    Would not consider purchasing again.

    Reply
  41. The day before I tried to enter on my account Load&go online and guess what? Password wasn’t accurate any more and web code as well.
    Reminder of password and web code which were send on my email were different to one i had few weeks ago,so this guys changed my password and web code without ask me!

    After i was very shocked, I did changed my password next day and password was active,then I had try pay for an item online,in end i enter password to confirm transition, system said password is wrong i enter it again after that card was blocked!
    So what I do now? Call them and pay $4 to unblock it? There’s some money on it left.

    Reply
  42. Absolutely the worst card ever!! I am overseas and cannot get access to MY money or to my account details to see what they are doing with it because my memorable word has been changed and so has my pin. So they appear to have stolen my money. It’s a fraud driven by the Bankster now in charge of the organisation. Avoid all costs.

    Reply
  43. Stay away from this card. I had 700 pounds stolen from this card when I was in London in January and Load and Go are claiming that it’s not their fault and I am not entitled to a “Chargeback”. The call centre is based in Scotland and they have to email the agent here in Australia who eventually contacts you – if you’re lucky. I am taking this matter to the financial ombudsmans office due to lack of customer service and that it looks like I won’t be getting my money back.
    I would rather use one of the 4 big banks travel cards and pay the extra fees. At least they are based here in Australia.

    Reply
  44. I think I will take my money out of the account before I leave as it seems like a joke that Australia Post could be involved in such a scam.
    I don’t want problem access my money when I’m away.
    Who can you trust these days everyone trying to ripe off the system. SAD situation.

    Reply
  45. Hi, I was wondering if i deposited $1000 onto the card, would it decline the whole amount since the limit is $999? I just deposited $1000 to use to get to my brothers funeral and I need the money on the ecard to pay for plane tickets on wednesday. I’m freaking out now because it says limit is $999 and I didn’t realize…now im thinking it will probably decline and i will not make it to my brothers funeral. There was already $1 on the card ao it will make the balance $1001 …$2 over…will it mean it will decline the whole $1000 depsoit or decline just $2 of it..PLEASE ANSWER IM FRAKING OUT !!!!

    Reply
    1. Mozo

      Hi Sarah,

      Sorry to hear about your loss. Accordingly to Australia Post’s product disclosure statement for the Load & Go Visa, a maximum single load amount of $999 applies to the card. As such, we can infer that single loadings that exceed this amount will be declined.

      All the best,

      Team Mozo

      Reply
  46. i checked my balance online and when i minus my spending from the load amount and then subtract the three 0.09c fee amounts there is nearly a dollar missing. is this not illegal? i thought your account had to add up and show all fees and charges? any advice?

    Reply
  47. After using it for nearly a year, this freak of an card has locked up on me. Now I have to speak to Customer Services to get access to my own money. I guess that means a call centre worker that has English as a second language. Now that the economy is falling apart can we give these jobs back to our own youth. It does say AUSTRALIA POST.

    May as well dispense with this crap and use disposable visa’s instead.

    Reply
  48. Agree with above comment – very much regretting purchase of this visa card. As others have said, full of traps and cost hikes eg the $4 to find out balance because can’t access online!
    Nor is there any other way to contact AustPost – well yes, they’re still well back in snail-mail mentality, about where their brains are.

    Reply
  49. The load and go card is being used by fraudsters on Gumtree and EBay. Aust post does identify people who buy these cards. How come when banks require 3 forms of ID for a debit or credit card while aust post sells these cards without any record of ID. All people who owe money should join together and take Aust post to court to recover lost money. Even the police cannot trace the purchaser of these cards

    Reply
  50. Did they really think this through? After getting my card with $20 on it, I decided that I needed to purchase a particular item from Germany. I topped up the card at the Post office with $200 and enquired if she could give me the balance. “Sorry” was the reply, “you have to ring customer service”. Later I did just that and $220 was available.

    Later in the week, I tried to purchase the item and I received an email saying that Visa had blocked the payment and that I should contact the Post office. On the same day I use another Visa Debt card and purchased the item without any problems. Customer service over the phone assured me my money was safe and the card had been rejected because it had not been registered. I found this strange because it’s one of the first things you do to obtain your pin no.[ over the phone]. “Yes” came the answer, but you did not register your card for overseas transactions or internet banking?!!

    After picking myself up from the floor, the issue was resolved, yes over the phone. Now we’re cooking, so I decided to purchace another item from overseas. I filled in all the details on the form. Surprise! It was rejected for having my card holders name as “VALUED CARDHOLDER.” After checking and re-submitting three times, I used my other card. No problems.

    Is this card really worth the hassle?!

    Reply
  51. I have a major problem with the way Australia Post deal with issues related to the load and go Visa Card.
    I purchased the card in late September for my wife to be able to access money in Thailand. Everything was working well until 2 weeks ago when I made a deposit and the amount which was only $200 was refunded back into my bank account. I rang load and go last Friday 15 Sept 2013 and they said that the Australia Post support team would get back to me by Monday. He said that load and go could not resolve the issue and they did not know why the card did not work and they have no way of contacting anyone at Australia Post to enquire as to why there was a problem.

    I advised it was urgent and they stated that due the weekend that’s the best they could do. No one called Monday and I followed up on Tuesday. I was told that the matter was being processed and again told that load and go had put a stop on the card but they could not explain why.

    I asked for the matter to be referred to management or escalated but was now told that despite my problem they (in accordance with their terms and conditions) had 5 days to respond to me therefore I should just wait until someone calls me back. I then asked who I could contact about making a formal complaint in writing. I was referred to the ombudsman but advised that they wouldn’t accept any complaints inside of 45 days.

    My feelings are this; If Australia Post release a product that is supposed to be suitable for travelling why do we need to wait 5 days for a response without being given any explanation as to what could be wrong. Most people go on holidays wanting to have the comfort of ease of use with these products. Knowing that most people go on holidays for 1-3 weeks so how does having to wait 5 days to get an answer to an issue help if your holiday is half over before the problem is resolved. It would be far worse if you had to make phone calls from an overseas location to contact them. In view of these issue I cannot recommend that anyone go out and buy this product unless they want their holiday ruined……

    Reply
  52. Stay away from the Load and Go. Apparently the day I arrived in Thailand, they changed the daily limit from $500 a day to $250 a week, and here I was in Bangkok. It took me 2 weeks to find out what the problem was. Every time I tried to get money it cost me 150 bahts. They should be charged with theft. After all it’s my money.

    Reply
  53. Stay away from load and go prepaid it’s a government scam, when it said available balance its not! After withdrawing your money. They make the rules and change the rules as if it’s their money. It has cost me heaps. Not only oversees but even here in Australia.
    They speculate on your assumptions, that it’s the same as most cards, it’s a scam all-rounder.
    And they never respond to your complaints. The 10 days to reply is past. No reply and as always with the Australian government no accountability. Australian Post, stick to parcels and letters!

    Reply
  54. It’s my money, but it’s their rules . Australia get your act together! Centerlink does the same – hold you to ransom until you prove otherwise they stated, Vincent Grey CIB and now the Australian Post Load and Go… They assume and you have to prove otherwise, this is the Australian government and they hold your assets to ransom. Wake up people!

    Reply
  55. I think we should have a class act suing AusPost for creating an unreliable product yet worst of all is that it opens a loophole for scam and money laudering, damaging consumer market and integrity of Australian financial system.

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  56. I too am not happy with this Card – I seem to have been caught with a scam – the name of the person I paid is recorded on my card but they can find no record of it being credited to them (online sale?) Seems like I need to re read the conditions for a formal complaint to be made and to get the remainer of my cash out. One transaction worked!.

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  57. Agree the the card really seems to be something to give a miss and likewise with Aust Post. My wife did a recent transaction on line now all you can talk to is a call center person who really know the call center customer language BUT NOTHING about the product and how it works. Also talk about customer service they say the have 5 day to respond, guess what they can call and say HI and that means they have met their response time BUT no resolution so far because of Australia POST we have lost hundreds of dollars on a legal transaction BUT they do not know how come but are happy to speculate thet it is always some one elses problem not theirs. Mind you no managers seem to be available to resolve problems BUT they are there so sell what appears to be a bogus card OR am I wrong. meanwhile we have to wait for them (aust post) to get back to us soooooooome time about our money they have.
    NO I would not recommend the card in its current state. Mind you I wonder if anyone from Aust Post will prove me wrong?

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  58. Absolute garbage. I loaded $100 onto it (+ the $7 initial load fee) and made an $80 purchase online. I check the balance now; and its telling me that there’s 0.40 cents left.

    Where has my money gone? I am aware of the hidden fees, but those did not apply to my transaction. Why am I $20 short? Cutting the card in half once I speak to someone.

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  59. Hit and Run would be a more accurate name for this card. My daughter was advised that funds were not available when attempting an ATM withdrawal using her LnG card in New York, yet transaction records recorded that as a debit transaction. Whether the bank whose ATM it was or LnG siphoned the money remains an unknown while Australia Post refuses to take any responsibility for their product. At this rate they’ll soon be incinerating mail rather than deliver it. Much easier than providing a service.

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  60. Although I had to take careful notice of initially set credentials (ie. access code, memorable word, mobile no. and PIN used when purchasing at Australia Post), I have found this card to be faultless. Have used it for almost 2 years with not one bad experience or incident.

    As for the 3% foreign currency conversion fee, it is on-par or comparable with most other Australian credit cards, including my Commonwealth Bank credit card when used overseas.

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  61. I disputed an unauthorised transaction on this card. I sent them evidence based on my correspondence with the merchant. THREE MONTHS later they wrote back and rejected my claim because of what the merchant said. I asked them what proof they have received from the merchant, where is the transaction record, because the onus is on the merchant to prove they had authorisation. I am still waiting for the final resolution. TERRIBLE customer service. Charges for calling their call centre. Fees for every transaction. Also this card is not acceptable to all merchants because the generic name “Valued Cardholder” is not always acceptable on websites. When the card expires or credit used up, I won’t be renewing.

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  62. I received one of these cards as a gift, and have not been able to use it so far!
    It was a gift from my grandma, who does not have a mobile phone, so the salesman at the post office put a false number.
    Now I cannot put a pin in the card, so I can only use it online. Can’t even transfer money off it!
    The customer service line is absolutely useless. Was on hold for nearly 45 minutes before I gave up.
    Once I manage to spend the balance online, I plan to chop up this stupid card!!

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  63. I use this card regularly as we have had our credit card scammed on two occasions for very large sum of money. Bank was on to it quickly but I bought a Load&Go card for internet use. Has worked fine, no problems with login or activating card. Interested in the problems experienced by overseas use. I have had no problems.

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  64. Can anyone advise on the legality of Australia Post, as a Government organisation being able to refuse the use of the card after its expiry? Why should the government be able to withhold funds that don’t belong to them?

    If the card was sold by a private entity I guess it would be different.

    Anyone have any thoughts on this?

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  65. Hi, I’m actually trying to cancel my Load&Go Card, I understand that there’s a $15 cancellation fee but I don’t mind I just don’t want to deal with this card anymore. Does anyone know how to cancel your Load & Go account? Thanks

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  66. Hi, I’m also wanting to cancel my Load&Go Card and saw in the above post there’s a $15 cancellation fee plus maybe $4.00 customer service call fee after reading the PDS. If the card is registered and the balance is below the Card renewal fee of $6.95 does this mean no card will be sent to address registered on the card? and does this mean the card automatically cancels?

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    1. Mozo

      Hi Sam,

      We have spoken with Australia Post and they have informed us if you have less than $6.95 on you card, you wouldn’t need to pay the $15 cancellation fee if you waited until the card expires, which is 3 years from the date the card is produce (you can find the expiry date on the front of your card).

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  67. I had four load and go cards with various small amounts on them ranging from $2 to $7.
    When you buy on eBay you can’t finish the card and use another one for the rest of the money so you end up with small amounts.
    So I thought I would take them to the post office and buy another card with cash and the balances of the load and go cards.
    No way. They wouldn’t accept them. I don’t understand why.
    They sell them, but you can’t use them at the post office even to part pay for another load and go card.

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  68. This is the first time I have complained on line. The service I have experienced in trying to use this card is atrocious. Too many problems to list but have included not being able to access funds loaded to card when overseas, 3 week plus wait for replacement card, website asking for details of card insisting the card number starting with a number totally different to my card (?) and don’t try to call their contact number for help…. following listening to incessant time wasting recordings, none of which address the problem I have then supposedly being transferred to a person who can help one hears the inevitable message about unusually busy period and then no one answers, the line just goes dead. Exasperating in the extreme. I want my money off this card asap.

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    1. I used the Load&Go card before with no problems (happy to pay transaction fees) till my card expired. I bought a new one in Dec 2015, but this time I couldn’t register it online. It kept showing that the password I set up should be 8 letters with one digit. No matter how many times I did it, it still showed like a loop without reading what I keyed in. So, I bought another card and tried to register it online again. It was the same. I can use the card but I cannot check all transactions online. When I text for its balance, I get charged fees.

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  69. I’m considering this card because I tried to change my Qantas Cash and the people in England wouldn’t do it because I can not remember my first deposit when I got the card in early in 2014… over a year ago!

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  70. Whoever is thinking of obtaining a Load n Go card, don’t bother. The provider of it must surely maintain the clunkiest support framework among all CC providers.
    If you are lucky enough to get through even after waiting for up to 30 mins (yes, I did) assistance thereafter is short, curd, barely meets minimum service standards.
    Their fees are too high, the exchange rates are lousy, their online account interface has a circa 1995 look and feel and if you have hope that someone may call you back with relevant updates on the status of your card remains nothing but a pipedream. In other words they don’t care and that’s that. Neither should anyone else care about obtaining a LnG card.
    My recommendation is to look elsewhere and that seems to be echoed by many others in this forum.

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  71. I am in China and after using my card for 2 transactions I was unable to use it again why? I am now in China with no money! I called customer service but just got put on hold for ages then go the wrong department who told me to call the number on the back of the card which is where I started.

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  72. Stay away from Load & Go! They change conditions on your money and take no responsibility for the damage caused. The day I arrived in Bangkok, they changed $500 a day to $250 per week. Being unaware they changes the rules on my money, a great additional expense incurred. Not happy!

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  73. Such a load of rubbish. I was given this card as a gift and I gave up trying to close it nearly two years ago and ended up just throwing the card away. I’ve now just been sent a new card as the last one expired and they have a cheek to charge a $6.95 renewal fee. I called up to cancel the card and to check the balance, they tried to charge me $4 for a balance check (I can’t remember log in details or memorable word to log in and check myself) and then they are trying to charge me $15 to close the damn thing. Total waste of space from beginning to end.

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  74. The card is a waste of time. Hey Australia Post, unless you can register an American address to the card it’s pointless and nobody will ever need it. Hey Australia Post, this is why you’re going to be out of business within the next five years.

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  75. Don’t know what people are complaining about. I bought the card a year ago and have been using it frequently and I’ve got to say, I am very happy with it. Always worked for me, no problems. Only complaint I have with it is that the expiry date should be longer than two years but other than that, I’m perfectly happy with it. I’d rather use this card than spend money I don’t have on credit cards.

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  76. Yes load n go cards r good until you reload and your money goes missing which happened 2 me 2day. I loaded up $80 from my bank account then $50 cash a minute latter and gone. Rang customer service they said go back 2 post office. Went there, they said not our problem ring customer service and so on. So on passing the buck now, 2 late 2 go back 2 post office 4 an xtra run around and lost my items on ebay and get a bad rap from sellers. Not happy with the snooty people at my local post office, they didn’t seem 2 give a —- and were very rude. (Post office in question. Holbrook n.s.w ) so 2morrow I’ll be up there for another go at trying 2 get my money back. So not happy with L.N.go at moment but never had a problem on ebay until my phone updated now only lets go threw pay pal must be their way of making an xtra $ off us all.

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  77. No definitely not, it’s a waste of time and the biggest fraud scam that Australia Post has ever brought out.
    It should be stopped and they should not be allowed to be used. As I sit on the phone for hours waiting for someone to help but get put on hold for 20 minutes – not good enough. I want someone to help me with the load and go card please immediately. I have been trying to speak to a real person for 2 days, what does one have to do to get help?
    Not good enough. Then they don’t return your calls.

    Reply

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