Cambodia eVisa Foreign Transaction Fee: What the Big Four Add to Your $80 USD (~$122 AUD) Charge
Pay for the Cambodia eVisa on a standard CBA, Westpac, NAB, or ANZ card and your bank quietly adds a foreign-transaction fee — typically 2-4% on the $80 USD (~$122 AUD) Tourist visa, landing as a separate line item labelled 'intl txn fee' for around $3-$5 AUD. Here is how it shows up, how it breaks down between FX fee and conversion margin, and the fee-free cards that put it back at zero.
Why is my Cambodia eVisa charge bigger on my Aussie bank statement than the AUD shown at checkout?
Because your Australian-issued card added a foreign-transaction fee on top of the underlying USD charge. The Cambodia eVisa price at our checkout is $80 USD (~$122 AUD) Tourist or $90 USD (~$137 AUD) Business and we charge that at face value with zero surcharge. Your bank then converts USD to AUD using its own rate (which usually carries a 0.5-1% margin over the live mid-market rate) and adds a flat foreign-transaction fee on top (typically 1.5-3% on Big Four standard cards). Together that is roughly 2-4% all-in, or about $2.40-$4.90 AUD on the $80 USD (~$122 AUD) Tourist visa. It lands as a separate line item on your statement labelled 'intl txn fee', 'OS SVC FEE', or similar, immediately below the main charge. The fee is paid to your bank, not to us, and it is fully avoidable by paying with a fee-free Aussie card like ING Orange Everyday, Macquarie debit, Bankwest Breeze, 28 Degrees Platinum, or Wise Debit.
Points clés à retenir
- On a standard CBA, Westpac, NAB, or ANZ card the foreign-transaction fee on the $80 USD (~$122 AUD) Tourist eVisa is roughly 2-4% all-in — about $2.40-$4.90 AUD added on a separate line of your statement.
- The total cost splits into two parts: a flat foreign-transaction fee around 1.5-3% and a currency conversion margin around 0.5-1% baked into the bank's USD-to-AUD rate. Most Aussies only notice the first half.
- Fee-free Aussie cards that settle USD at the live mid-market rate with zero added: ING Orange Everyday (deposit conditions apply), Macquarie Transaction Account debit, Bankwest Breeze, 28 Degrees Platinum Mastercard, and Wise (Borderless) Debit.
- On a CBA statement the FX fee appears as a second line on the same date, usually labelled 'OS SVC FEE' or 'INTERNATIONAL TRANSACTION FEE' below the main eVisa charge. Westpac labels it 'Foreign Transaction Fee', NAB 'International Transaction Fee', ANZ 'Foreign Currency Conversion Fee'.
- We add zero surcharge from our side — the $80 USD (~$122 AUD) Tourist or $90 USD (~$137 AUD) Business is the same whether you pay with debit, credit, or wallet. Every cent of FX cost belongs to your card issuer.
Why your eVisa statement looks heavier than expected
Most Aussies booking a Cambodia trip in 2026 are first-time international-card-payment users on the visa front. The flight is in AUD, the hotel often charges in AUD via the booking platform, and the SIM card gets sorted on arrival. The eVisa is sometimes the only USD-denominated transaction on the entire trip — which means it is the one charge where the foreign-transaction fee actually shows up. The price you see at our checkout is $80 USD (~$122 AUD) Tourist or $90 USD (~$137 AUD) Business, displayed cleanly with the live mid-market AUD equivalent next to the USD figure. The price your bank lands on your statement can be a touch heavier, and the difference is your card issuer's fee structure — not ours.
Take a typical CBA Smart Access debit card. Tap confirm on the eVisa at our checkout, and within 24 hours two lines hit your transaction list on the same date. The main charge converts USD to AUD using CBA's commercial rate, which sits roughly 0.5-1% above the mid-market rate that we display. Then a second line — labelled 'OS SVC FEE' or 'INTERNATIONAL TRANSACTION FEE' — adds a flat 3% foreign-transaction fee on the converted AUD amount. The two costs are conceptually different but they arrive together, and the all-in delta from our displayed AUD figure is usually somewhere between $2.40 and $4.90 AUD on the $80 USD (~$122 AUD) Tourist visa.
This article walks through how the fee shows on your statement bank-by-bank, why it splits into two components, which Aussie cards add zero, and how to switch over in about ten minutes. The fee is small in absolute terms but the pattern matters — it repeats on the verified $5 USD (~$7.50 AUD) e-Arrival Card, on USD-denominated hotel deposits if you book direct, and on any other Cambodia transaction processed in USD.
If you want the full picture of what bundles into the headline price, the fees explained piece breaks down the $80 USD (~$122 AUD) Tourist all-in. The AUD conversion guide walks through how the mid-market rate translates into a clean AUD figure at checkout, and the credit-card surcharge article addresses the separate question of merchant surcharges (which we do not apply). For the umbrella reference on cost, documents, and processing time, see the Cambodia visa requirements for Australians hub.
Two costs hiding inside one foreign-transaction fee
When Aussies talk about a 'foreign-transaction fee', they usually mean the flat percentage charge that shows up as its own line on the statement. That is half the story. The other half is the currency conversion margin baked silently into the bank's USD-to-AUD exchange rate. Both add cost to the same eVisa transaction and neither is the fault of the merchant — both are charged by your card issuer.
Foire aux questions
How much does CBA actually add to the $80 USD (~$122 AUD) Cambodia eVisa?
About $3.66 AUD as a separate line on your statement. CBA's standard foreign-transaction fee is 3% of the AUD-converted amount, labelled 'OS SVC FEE' or 'INTERNATIONAL TRANSACTION FEE'. On top of that, the underlying conversion uses CBA's commercial rate which carries a 0.5-1% margin over the live mid-market rate we display at checkout — so the main charge line is also a touch heavier than the AUD figure shown at our checkout. All-in, expect roughly $124.80-$127.30 AUD landed on the statement against an $80 USD (~$122 AUD) Tourist visa.
Does Westpac, NAB, or ANZ charge the same 3% as CBA?
Yes — all four Big Four banks sit at 3% foreign-transaction fee on standard personal credit and debit cards in 2026. The labelling differs (Westpac 'Foreign Transaction Fee', NAB 'International Transaction Fee', ANZ 'Foreign Currency Conversion Fee', CBA 'OS SVC FEE') but the rate is identical. Premium cards within each bank sometimes waive the fee — check your specific product disclosure statement.
Why is my eVisa main charge a bit higher than the AUD shown at checkout, even before the fee line?
Because your bank converts USD to AUD using its own commercial rate, which typically carries a 0.5-1% margin over the live mid-market rate we display. On the $80 USD (~$122 AUD) Tourist eVisa that silent conversion margin adds roughly $0.60-$1.25 AUD into the main charge itself, separate from any visible fee line. Fee-free cards like Wise, ING, and Macquarie use the network mid-market rate, which removes this silent margin.
Which fee-free Aussie cards work cleanly on the Cambodia eVisa?
Five we have tested settle cleanly with zero added fee: ING Orange Everyday (requires monthly deposit and card-use conditions to be met), Macquarie Transaction Account debit (no conditions), Bankwest Breeze credit (FX waived), 28 Degrees Platinum Mastercard from Latitude (FX waived, no annual fee), and Wise Borderless Debit (transparent ~0.4% conversion, no separate FX fee). All five land the eVisa as a single line on your statement matching our displayed AUD to within a cent or two.
Does VisaToCambodia add any surcharge on top of the FX fee?
No. Our Cambodia eVisa checkout charges $80 USD (~$122 AUD) Tourist or $90 USD (~$137 AUD) Business at face value regardless of card type or payment method — Visa, Mastercard, AmEx, PayPal, Apple Pay, Google Pay all settle at the same headline price. Every cent of FX-related cost comes from your card issuer, not from us. Approved in 3 business days, delivered as a printable PDF by email.
Sources
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