Save 3% on your Facebook ad spend by eliminating hidden bank fees

Despite paying for your Facebook advertising in AUD, the Big 4 Banks charge 3% international card transaction fees. Scroll down for more information.

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Beware of international card transaction fees on your AUD Facebook marketing spend

The Big 4 Australian banks charge a 3% foreign transaction fee. Even if the transaction is in AUD, the fee still applies when the merchant or entity processing the transaction is located outside of Australia.

Facebook ad is a significant expense for many Australian businesses and because they process transactions outside of Australian, this fee is often charged despite your ad account and invoice being in AUD.

That's why it's worth checking your card statements for international transaction fees or speaking to your finance team, as you may be forfeiting an additional 3%, on top of your ad spend, that could instead be invested in growth.

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How do I know if my merchant is located outside of Australia?

The guaranteed way of finding out if the merchant’s location is outside of Australia is looking at their Merchant of Record (MoR). Unfortunately, this information is only available to issuing banks and not easily accessible by the public.

For other businesses, this could be done by reviewing your card statements, identifying the largest international transactions, or multiplying these amounts by ‘33.33’ to work out the associated transaction. Yes, the banks don’t make this easy...

See how our customers are finding Airwallex

  • Airwallex Testimony
    "It’s crazy to me that we were being charged international FX fees by our big 4 bank for Facebook ad spend in AUD... Since adopting Airwallex virtual cards for our Facebook spend, we’ve been able to save $3,000 per month which now covers our agency fees! We’ve also started using virtual cards for our other business expenses and we’re making time and cost savings across the board. Love it.“
    Jenny Le

    Co-founder, Bubble Tea Club

Take back your marketing budget by eliminating hidden bank fees

The good news is that not all card issuers charge international card transactions fees. Airwallex being one popular option for fast-growing Australian businesses.

The provider with the most competitive and transparent fees is the one you should go with. Whether or not that’s us.


Pay 0% international transaction fees with Virtual Employee Cards

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No more surprise transaction fees

Say goodbye to international card transaction fees and cardholder fees.

Track your facebook marketing spend with ease

Create dedicated cards for each ad account in seconds. Avoid ad budget blow-outs by setting daily, weekly or monthly limits.

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Assign different roles and permissions for members of your team. Ensure your funds are secure with customisable roles.

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The above estimations are calculated based on published fees of the Big Four banks and what is included in their PDS documents. You can find more information on how they charge their foreign transaction fees here link to T&Cs on ‘International Card Transaction Fees Comparison Disclaimer’.

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