Question 1

How much does CBA actually add to the $80 USD (~$122 AUD) Cambodia eVisa?

Accepted Answer

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.

Question 2

Does Westpac, NAB, or ANZ charge the same 3% as CBA?

Accepted Answer

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.

Question 3

Why is my eVisa main charge a bit higher than the AUD shown at checkout, even before the fee line?

Accepted Answer

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.

Question 4

Which fee-free Aussie cards work cleanly on the Cambodia eVisa?

Accepted Answer

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.

Question 5

Does VisaToCambodia add any surcharge on top of the FX fee?

Accepted Answer

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.

Question 6

Does Apple Pay or Google Pay change the FX fee?

Accepted Answer

No. Both are wallet wrappers that pass the charge through to the underlying linked card. Apple Pay with a CBA credit card behind it: 3% FX fee still applies. Apple Pay with a Wise debit card behind it: zero FX fee. Same for Google Pay. The wallet does not negotiate anything different — the issuer of the linked card determines the fee.

Question 7

Will the FX fee be refunded if I cancel the application?

Accepted Answer

Usually yes — if we refund the visa fee within the cancellation window (before processing has substantially started), your bank typically reverses its own FX fee on the same transaction because the fee is contingent on the underlying charge. Some Big Four banks do this automatically within three to five business days. Others require a quick phone call. A fee-free card from the outset is the cleanest way to avoid the question entirely.

Question 8

Is it worth setting up a fee-free card just for one Cambodia trip?

Accepted Answer

On the visa alone the saving is small — $3-$5 AUD on the $80 USD (~$122 AUD) Tourist eVisa. But the same fee-free card removes the 2-4% charge on every other USD purchase you make on the trip and any future international trip. The verified e-Arrival is $5 USD (~$7.50 AUD), USD-denominated hotel deposits, AmEx travel insurance claims, USD ride-share top-ups in Phnom Penh all benefit. Setup takes 5-15 minutes for any of the five cards listed above and pays for itself within one international trip.

Question 9

Does the same FX fee apply to the Business eVisa?

Accepted Answer

Yes — proportional to the higher AUD amount. The $90 USD (~$137 AUD) Business eVisa attracts the same 3% Big Four FX fee, which comes through as roughly $4.11 AUD on a separate line. Business travellers visiting Cambodia for meetings, conferences, supplier visits, due-diligence, or sponsored events get the same fee-free benefit by paying with Wise, ING, Macquarie, Bankwest Breeze, or 28 Degrees.

کمبوڈیا ای ویزا فارن ٹرانزیکشن فیس: آپ کے $80 USD (~ $122 AUD) چارج میں بڑے چار کیا اضافہ کریں

میرا کمبوڈیا ای ویزا چارج میرے آسی بینک اسٹیٹمنٹ پر چیک آؤٹ پر دکھائے گئے AUD سے زیادہ کیوں ہے؟

کلیدی ٹیک ویز

آپ کا eVisa اسٹیٹمنٹ توقع سے زیادہ بھاری کیوں لگتا ہے۔

ایک غیر ملکی لین دین کی فیس کے اندر دو اخراجات چھپے ہوئے ہیں۔

Component one: the foreign-transaction fee (the visible part)

Component two: the currency conversion margin (the silent part)

How the fee shows on a CBA, Westpac, NAB, or ANZ statement

Walking through a CBA statement line by line

The five Aussie cards that put the FX fee back at zero

Wise Debit is the fastest setup if you do not already have one

Edge cases, wallets, and what to do if you have already paid

Apple Pay and Google Pay inherit the linked card

PayPal does its own conversion, often worse than the bank

If you have already paid and copped the fee

Refunds and the FX fee

اکثر پوچھے گئے سوالات

ذرائع

ہمارے بلاگ سے

امریکیوں کے لیے کمبوڈیا ای-آمد کارڈ فیس کی وضاحت

کمبوڈیا ای ارائیول کارڈ: امریکی شہری آمد سے پہلے اسے کیسے بھرتے ہیں۔

کمبوڈیا ای ارائیول کارڈ کے لیے آپ کو کس معلومات کی ضرورت ہے (14 فیلڈز، مرحلہ وار)