Your OneSmart Account allows you to hold up to up to eight foreign currencies plus New Zealand Dollars at any one time. The Supported Currencies are: Australian Dollars, Singapore Dollars, Hong Kong Dollars, Japanese Yen, Great British Pounds, Euros, Canadian Dollars, and United States Dollars. 

If you have funds loaded into your OneSmart Account, you can use your Airpoints™ card for eligible purchases¹ wherever Mastercard^® is accepted overseas and in New Zealand.

¹ Purchases of Airpoints Dollars, gambling chips, money orders, travellers cheques, cash withdrawals, flights purchased directly from Air NZ using your OneSmart card and any transactions that are reversed, refunded or charged-back, do not accrue Airpoints Dollars.

Using OneSmart when you travel means you can lock in an exchange rate¹ before you go. You can lock in up to eight foreign currencies at any one time.

And because you already have the currency locked in, you’ll know exactly how much you have to spend while you’re on holiday.

Also for every $100 NZD equivalent spent in foreign currency you will earn 1 Airpoints Dollar on eligible purchases².

¹ OneSmart Conversion Rates apply.

²The following purchases will not accrue Airpoints Dollars: a) purchases of Airpoints Dollars, gambling chips, money orders, travellers cheques and foreign currencies in cash, b) any fees, adjustments and transfers between OneSmart Accounts  c) any transaction that is reversed/refunded or charged-back, and d) any cash withdrawals from ATMs.

Your Airpoints tier status will expire based on the expiry date on your Airpoints card. This expiry date is located beneath your Airpoints membership number i.e. NO.XXXXXXX. You will however, be issued with a replacement Airpoints^TM card before your current tier expires.

Please note that the OneSmart functionality has 4 more months of use after your Airpoints tier expiry date. The OneSmart expiry date is located on the reverse side of your card next to the Mastercard logo. This means that if you are overseas and you haven’t received your new card, you can still use your card for making purchases.

Your card’s security code or CVC2 is the 3-digit number to the right of the signature panel on the reverse side of your Airpoints^TM card next to the Mastercard logo. 

Your OneSmart Account cannot be used for:

a)       Purchases from merchants where the transaction is processed manually (through a zip-zap machine)

b)       Direct debit, reoccurring or instalment payments

c)        Purchases from merchants who do not accept prepaid Mastercard branded cards.

d)       Gambling merchants

e)       Transactions in countries prohibited by US Government sanctions and laws.

We recommend that you don’t use OneSmart at “pay at pump” terminals or to secure (pay a deposit for) car rental, cruise, hotel or motel reservations. This is because these transactions will place a hold on your funds and reduce your available balance for up to 30 days, until the merchant has obtained an authorisation or approval for the final transaction amount. In these situations, your available balance will be reduced by the amount of the held transaction. However, once the merchant has received the authorisation or approval, only the final amount actually spent or authorised will be deducted from your Available Balance.

Unlike a credit card, your OneSmart Account has your preloaded funds on it. You are not using a credit limit. This may mean you are unable to obtain your funds when you need them in the immediate future, until the ‘hold’ is removed.

You can of course use your OneSmart card to settle your final bill.

The order in which currencies are withdrawn cannot be changed.

If you load funds onto your OneSmart Account via Bank Transfer (before 4pm NZST on a business day), your funds will be available the next day.

If you load funds using Bill Payment, your funds will typically be available within 2 business days (if payment is made before 4pm NZST on a business day).

Immediately call OneSmart Customer Service Centre on 0800 787 555 or +64 9 377 8535. Your lost or stolen card will be cancelled and you can request to be issued with a new card.

Alternatively you can suspend your card in the Settings tab in ‘My Account’ (https://www.airnzonesmart.co.nz).

If you did not make a particular transaction showing on your transaction history, you should call OneSmart Customer Service Centre immediately on 0800 787 555 or +64 9 377 8535.

You can download a Dispute Claim Form here. Please allow up to 45 days for your dispute to be processed. 

Some merchants may offer Dynamic Currency Conversion (“DCC”) that allows you to pay in your home currency or another currency when you are spending overseas or online. Accepting the offer to settle in another currency may result in unnecessary conversion costs as the merchant may apply a foreign exchange margin to convert the transaction currency into another currency and other currency conversion fees may apply. We recommend that if you are given a choice of currency for a transaction and have sufficient funds, that you should choose to pay in the local currency.

Some merchants or ATM operators may charge a fee for dynamic currency conversion, which you might not be advised of at the time of the transaction.  

If you accept a Dynamic currency conversion transaction you may end up incurring two currency conversions which could make the transaction significantly more expensive.

If you make a purchase or ATM withdrawal in a country where the local currency is the same as a currency on your OneSmart (e.g. using your US Dollar funds in the USA) and you opt in to a Dynamic currency conversion service, this may result in a foreign exchange transaction at additional cost to you as the card will seek to transact in New Zealand dollars. If you have funds loaded onto your OneSmart in the currency of the country you are in, you should NOT opt in to Dynamic currency conversion.

Although the Mastercard acceptance mark may be displayed, OneSmart may not operate in some countries and geographical regions due to restrictions. The countries and geographical regions currently affected by sanctions are: Iran, North Korea, Sudan, Syria and Crimea. If you attempt to withdraw cash from an ATM or use your OneSmart card at merchants in any of these countries, your request will be declined. 

Yes, a OneSmart app is available to download on iPhone and Android devices. The app is a convenient and secure way to manage your travel money, whether you're loading foreign currencies before you fly or while shopping overseas.

- Via debit card when loading directly into foreign currency or NZD (the funds are available instantly)

- Via Bank Transfer when loading directly into foreign currency or NZD (allow 1 business days for the funds to be available)

- Via Bill payment when loading into NZD (allow 1 business days for the funds to be available)

For more details, login to your OneSmart account, select Setting, Load Settings.