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Rate Guard (in store only)

14-Day Exchange Rate Guarantee

Exchange rates change frequently. That’s kind of their thing. Sometimes they change just a little, other times they change a whole lot. There’s nothing worse than exchanging your Aussie dollars one day, only to find they’ve significantly improved the next.

Rate Guard is our way of saving you from exchange rate movements. If you purchase foreign currency in store and the retail exchange rates improve within 14 days, we’ll pay you the difference*. Think of us as your currency exchange superhero (but please don’t ask us to wear a cape).

Which currencies are covered by Rate Guard?

Rate Guard is available to you when purchasing any of these currencies in store:

3 great reasons to add Rate Guard to your currency exchange

  • Get your travel money sorted sooner

    No need to wait and watch the exchange rate movements. Purchase now and get paid the difference if the retail exchange rates do improve.

  • Enjoy peace of mind

    Worried about ‘what ifs’? As if. Nobody can predict changes in world politics and market conditions, so Rate Guard ensures you won’t miss out on a better deal.

  • Oh, and it’s FREE

    Get the best rate during your Rate Guard period. Don’t pay anything extra for it. Case closed.

How does Rate Guard work?

  1. Purchase any of the applicable currencies (listed above) in store at the advertised retail exchange rate.
  2. Ask your expert to add Rate Guard (for free) to your transaction. You’ll just need to provide a couple of personal details.
  3. If the exchange rate movements swing in your favour within 14 days of your purchase, visit the same Travel Money Oz store and submit a Rate Guard claim. The difference (in AUD) will be paid into your chosen bank account within 7 business days . Howzat?

Rate Guard FAQs

Return to the store where you made the original purchase during the 14-day Rate Guard period. Show one of our experts your receipt, including the Rate Guard reference number, and they’ll process your claim. Easy.


Aussie dollars. We’ll send them straight to your nominated bank account.

If those currencies are all in the list above, then yes. Rate Guard can be added to any and all eligible currencies – even if you purchase all of them on the same day for some reason.

It’s free, silly. When you exchange in store at the advertised retail exchange rate, adding Rate Guard doesn’t cost you a dime, a pence or a cent.

At each and every Travel Money Oz store. And there are over 130 of them throughout Australia.

Ah, you’ve found our kryptonite. We can only offer Rate Guard in store at the moment. Sorry.

Wondering about something that isn’t in our Rate Guard FAQs? Our general FAQs page might have the answers you seek. If not, simply get in touch and speak with our friendly team.

*Terms and conditions apply to our Rate Guard offer. Please read them below.

  1. Rate Guard can only be added to purchases of Eligible Currencies for cash in store, at the advertised store exchange rate (the "Board Rate") at the election of the Customer, subject to these terms and conditions and excludes load transactions for Multi-currency Cash Passport or Currency Pass. The Board Rate is exclusive of all fees, charges, commission or levies.
  2. Rate Guard can only be added to a transaction when the Customer has purchased an eligible foreign currency being US Dollars (USD), Great British Pound (GBP), Euros (EUR), New Zealand Dollars (NZD), Indonesian Rupiah (IDR), Fijian Dollars (FJD), Thai Baht (THB), Japanese Yen (JPY), Singaporean Dollars (SGD), Canadian Dollars (CAD), or Chinese Yuan (CNY) in cash ("Eligible Currencies").
  3. Rate Guard is available at participating Travel Money Oz stores only.
  4. Rate Guard cannot be added when ordering foreign currency online via
  5. Rate Guard only applies when purchasing an Eligible Currency. It cannot be added to transactions where Travel Money Oz are purchasing a foreign currency from the customer in exchange for Australia Dollars ("AUD").
  6. The period covered by Rate Guard applies from the date of the original transaction to midnight of the 14th calendar day following the transaction date (the "Claim Period").
  7. Travel Money Oz reserves the right to amend Eligible Currencies at any time without notice. Pending Rate Guard transactions will be honoured during the Claim Period.
  8. Where a Customer presents a claim (in writing or verbally) that there has been an improvement in the Board Rate as at the date of their claim against the Board Rate at the original date of their transaction within the Claim Period (the "Rate Guard Claim"). Rate Guard Claims can only be submitted by a Customer and processed by a Travel Money Oz team member in the store in which the original purchase was made and upon presentation of the original sales receipt with the Rate Guard reference detailed in the transaction.
  9. Amount of the Rate Guard Claim cannot exceed the AUD amount of the original transaction amount.
  10. A Rate Guard Claim only applies to a maximum of AUD$5,000 of each Eligible Currency transaction.
  11. Rate Guard cannot be purchased in conjunction with our Best Price Guarantee or Best Rate Guarantee.
  12. Only one Rate Guard Claim may be redeemed per Eligible Currency transaction. Multiple Rate Guard Claims within the Claim Period will not be accepted.
  13. A Rate Guard Claim will only be honoured for the original Customer. Valid ID may be requested by the Travel Money Oz consultant.
  14. Rate Guard Claim amounts will be deposited into the original Customer's nominated bank account within seven (7)  business days. Rate Guard Claims cannot be provided in cash, credit card or via EFTPOS on the day the Rate Guard Claim is submitted.
  15. Travel Money Oz reserves the right to withdraw or suspend the offer of Rate Guard during large impact global events causing major disruptions to global currency markets that exceeds a 5% change between Board Rates.
  16. In the event of a large impact global event causing major disruptions to global currency markets, a Rate Guard Claim will be honoured for changes in Board Rates up to 5% changes but not exceeding this.
  17. Travel Money Oz reserves the right to withdraw the offer of Rate Guard at any time without notice. Pending Rate Guard transactions will be honoured during the Claim Period.
  18. Rate Guard is available to Customers for personal use only. Foreign currency wholesalers, other financial institutions or currency providers cannot add Rate Guard to any purchase. Travel Money Oz consultants reserve the right to refuse transactions that they suspect are not for personal use.
  19. These terms were last updated on 15 September 2017.