Cambodia eVisa Credit Card Surcharge for Australians (2026 Reality)

What your Australian bank adds in FX fees

The foreign-transaction fee is your bank's charge for processing a USD purchase on an AUD card. It is calculated as a percentage of the AUD-converted amount and applied separately on your statement. Most Aussies see it as a small line item below the main transaction, labelled 'intl txn fee', 'overseas processing fee', 'foreign currency conversion fee', or similar. On an $80 USD Cambodia Tourist eVisa charged at ~$122 AUD on a 3% bank, the FX fee comes through at $3.66 AUD. On a $90 USD Business eVisa at ~$137 AUD, around $4.11 AUD. Small in absolute terms but worth knowing it is there.

What the big four Australian banks actually charge

The exact FX fee depends on the specific card product — premium and travel-credit cards within the big four sometimes waive the fee (CBA Ultimate Awards, Westpac Altitude Black, NAB Rewards Platinum on some tiers, ANZ Rewards Black on some tiers). If you have a premium card, it is worth checking the product disclosure statement before assuming 3%. The pattern across challenger and digital banks (Wise, Up, Revolut, Macquarie) is zero FX fee on USD by default.

If your card has been declined at our checkout — separate issue from FX fees — the card decline fixes guide walks through the most common Australian-bank decline patterns, including 3D Secure prompts that some banks throw on first-time USD merchants. The wider payment troubleshooting piece covers PayPal currency settings and the small handful of edge cases where a transaction does not settle cleanly first time.

How the Cambodia eVisa charge appears on your statement

On a big-four card statement, an $80 USD (~$122 AUD) Tourist eVisa transaction typically shows up as two separate line items on the same date. The first line is the main charge — our merchant name, with the AUD amount equal to the live USD-to-AUD conversion (somewhere in the $120–$124 AUD band depending on the rate at the moment of transaction). The second line, immediately below or within a few rows, is the foreign-transaction fee — labelled 'intl txn fee', 'overseas processing', or the bank's specific phrasing — at roughly 3% of the main charge, so around $3.66 AUD.

On a no-FX-fee card statement (Wise, Up, Macquarie, 28 Degrees, ING, HSBC, Bankwest Breeze Platinum) the transaction shows up as a single line. Our merchant name, the AUD amount at the converted rate, and nothing else. No FX fee, no surcharge, no second line item. That is the cleanest version of the Cambodia eVisa charge — and the one that matches the AUD figure you saw at our checkout to within a cent or two.

Why the AUD on your statement might differ slightly from checkout

The AUD figure shown at our checkout uses the live mid-market USD-to-AUD rate at the moment of transaction. By the time the charge settles on your card statement (usually within 24 hours), the rate may have moved by a fraction of a cent, so the AUD on the statement can differ by a small handful of cents either way. The actual USD charge is identical — it is always exactly $80 USD (~$122 AUD) or $90 USD (~$137 AUD). The variance comes from the card network's settlement-time conversion versus our display-time conversion. A few cents of drift on a $122 AUD charge is normal.

The easy fix: pay with a no-FX-fee card

If you have already applied and your big-four bank added $3.66 AUD as an FX fee, that is done — the fee is sunk and it would not be worth a chargeback. The forward-looking move is to use a no-FX-fee card for the verified e-Arrival ($5 USD / ~$7.50 AUD) and for any future Cambodia or other USD-denominated visa transaction. Setting up a Wise account or an ING Orange Everyday takes about ten minutes and pays for itself the first time you book international travel.

No-FX-fee cards that work cleanly on our checkout

• Wise debit — zero FX fee, mid-market rate, fast to set up, multi-currency wallet
• ING Orange Everyday — zero FX fee on overseas purchases when monthly deposit and card use conditions are met
• Macquarie transaction account debit — zero FX fee globally, no monthly conditions
• 28 Degrees Platinum Mastercard (Latitude) — zero FX fee on purchases, credit card not debit
• Up Bank debit — zero FX fee, fully digital, owned by Bendigo
• HSBC Everyday Global Account — zero FX fee, multi-currency
• Bankwest Breeze Platinum — zero FX fee on purchases, credit card
• Revolut (Australia) — zero FX fee up to monthly limits on the free tier

If you prefer to skip cards entirely, the PayPal, Apple Pay, and Google Pay support piece walks through how those wallets land on our Cambodia eVisa checkout. Apple Pay and Google Pay still inherit the underlying card's FX fee policy — so if you have linked your CBA credit card to Apple Pay, you will still see the 3% FX fee. PayPal is slightly different because PayPal does its own currency conversion, which is usually less favourable than your bank's. The refund and cancellation piece covers what happens to the FX fee if you cancel an application (short answer: the visa fee is refunded, the FX fee is not).

Next steps and related reading for Australians: apply for your Cambodia eVisa when you are ready to lodge, bookmark our Cambodia visa hub for Australian citizens as the single canonical reference, skim the FAQ on Cambodia visa eligibility for quick answers, and use our glossary of Cambodia visa terms to decode any acronym in this guide.