Cambodia eVisa with Visa Debit: The 2026 Aussie Bank-by-Bank Guide
Visa debit from CBA, Westpac, NAB, ANZ, ING, Macquarie, Up and every other Aussie bank works at our Cambodia eVisa checkout. Mastercard debit is fine too — both process identically to credit cards. The interesting question is FX margin, and not every Aussie debit card charges the same. Here is the bank-by-bank for 2026.
Can Australians use a Visa debit card for the Cambodia eVisa?
Yes — Visa debit and Mastercard debit cards from every Australian bank work at our Cambodia eVisa checkout. They process identically to credit cards through the same gateway, with the same $80 USD (~$122 AUD) Tourist or $90 USD (~$137 AUD) Business all-in price and the same 3-business-day approval timeline. The interesting question is FX margin. ING Orange Everyday and Macquarie Transaction charge zero FX margin — cheapest path. Up Bank charges a small FX margin (~0.5%). Big-four standard debit (CBA, Westpac, NAB, ANZ) charges 1.5-3% FX margin on USD charges.
Key Takeaways
- Visa debit cards from every Aussie bank work at our Cambodia eVisa checkout — same flow as credit cards, no separate debit-only path.
- Mastercard debit also works identically. Both networks process the same way at our gateway.
- ING Orange Everyday and Macquarie Transaction charge zero FX margin on the USD-to-AUD conversion — the cheapest path on a $80 USD (~$122 AUD) Tourist eVisa.
- Up Bank, Revolut and Wise charge tiny FX margins (~0.5% or less) and convert at the day's mid-market rate.
- Big-four bank standard Visa debit (CBA, Westpac, NAB, ANZ) charges 1.5–3% FX margin on USD charges, adding $1.83–$3.66 AUD to the eVisa total.
Why this question keeps coming up from younger Aussie travellers
Plenty of Australian travellers — especially in the under-35 bracket and especially the backpacker-route crowd planning Cambodia as part of an Indochina loop — do not own a credit card. They run their financial life off a debit card linked to a transaction account, maybe a neobank like Up or Revolut, maybe a no-fee account like ING Orange Everyday, maybe just the standard Visa debit attached to their CBA Smart Access or Westpac Choice. The reasonable question that arrives in our inbox is whether their everyday card actually works for an international visa fee in USD, or whether they need to chase a credit card just for the trip.
The short answer is yes, every Aussie Visa debit card works at our Cambodia eVisa checkout. Mastercard debit too. The processing is identical to a credit card — same gateway, same fields, same approval path. You enter the long card number, the expiry, and the 3-digit CVV on the back, the bank authorises against your available balance (rather than against a credit limit), and the charge clears with the same 3-business-day approval timeline as any other payment method.
What actually differs across Aussie debit cards is the FX margin on the USD-to-AUD conversion, and that varies a lot. ING Orange Everyday and Macquarie Transaction charge zero. Up Bank charges a tiny margin. The big-four standard debit cards charge 1.5-3%. On a $80 USD (~$122 AUD) Tourist eVisa, the difference is between paying $122 AUD flat and paying $125.66 AUD, which is small money but worth knowing about — especially if you have more international charges coming on the Cambodia trip. The Cambodia visa AUD conversion guide for Australians has the wider FX picture.
Aussie debit cards bank by bank — FX margins on the Cambodia eVisa
Every Aussie debit card converts USD to AUD at the network rate (Visa or Mastercard's interbank rate, set daily). The cheap cards stop there. The expensive cards add an FX margin on top — 1.5%, 2%, sometimes 3% — which lands as an extra line on your statement above the base conversion. Here is the bank-by-bank for the seven most-asked-about Aussie issuers, on the $80 USD (~$122 AUD) Tourist eVisa specifically.
Frequently asked questions
Does Cambodia eVisa accept Visa debit cards from Australian banks?
Yes. Visa debit cards from every Australian bank — CBA, Westpac, NAB, ANZ, ING, Macquarie, Up, Bendigo, Bankwest, every other issuer — work at our Cambodia eVisa checkout. They process identically to Visa credit cards, with the same $80 USD (~$122 AUD) Tourist or $90 USD (~$137 AUD) Business all-in price and the same 3-business-day approval timeline. Mastercard debit (Macquarie Transaction, Up Bank, Wise, Revolut) works the same way.
Which Aussie debit card is cheapest for the Cambodia eVisa?
ING Orange Everyday and Macquarie Transaction Account both charge zero FX margin on USD transactions — the cheapest path. On the $80 USD eVisa, your statement shows around $122 AUD flat. Up Bank, Wise and Revolut charge tiny FX margins (~0.5%) and convert close to mid-market rate. Big-four standard debit (CBA Smart Access, Westpac Choice, NAB Classic, ANZ Access Advantage) charges 3% FX margin, taking the AUD-equivalent to around $125.66.
Does ING Orange Everyday work for the Cambodia eVisa?
Yes. ING Orange Everyday is one of the smoothest Aussie debit cards for the Cambodia eVisa — Visa debit, zero FX margin on the USD-to-AUD conversion, clean processing at our gateway. Make sure you have met ING's monthly Orange Advantage criteria (deposit $1,000 AUD per month plus 5 card transactions) for the zero-FX benefit to apply that month. Most Aussie ING customers meet that automatically through normal day-to-day card use.
Does Up Bank work for the Cambodia eVisa?
Yes. Up Bank's Mastercard debit (Bendigo Bank-issued) works at our Cambodia eVisa checkout. Up charges around 0.5% FX margin on overseas transactions, converting at close to the mid-market rate. The $80 USD eVisa lands at around $122.61 AUD on your Up statement — a few cents more than the ING or Macquarie zero-FX baseline, but well under the big-four standard debit cards. Notifications come through the Up app within seconds.
Why might my CBA Smart Access debit decline at the Cambodia eVisa checkout?
Four usual suspects. Insufficient funds (check your balance), international transactions blocked on the card (toggle on in the CBA app), daily international transaction limit hit (rare on $122 AUD but possible), or the CBA fraud engine flagging a first-time foreign USD charge. The fraud-flag is the most common — fix by retrying with Apple Pay or Google Pay using the same Smart Access card. The tokenised charge presents a different shape to the fraud engine and often clears where raw card entry was declined.
Sources
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