Best places for currency exchange in Wollongong: a complete travel guide

If you're planning a trip abroad to or from Wollongong, getting your foreign currency sorted before you fly can make the journey smoother.

This guide walks through everything you need to know about currency exchange in Wollongong — from the top physical exchange locations, the card-versus-cash question, and our smart, app-based alternative that lets you hold and spend multiple currencies without the usual hassle.

Quick answer: where's the best place to exchange money in Wollongong?

If you're planning a trip abroad, it's a good idea to withdraw local currency from a bank ATM once you get there and pay by card wherever possible, rather than using airport exchange bureaus.

For a smooth experience, open a multi-currency account before you travel, exchange currency in-app at the Revolut rate, and use your travel money card to pay abroad. This lets you skip the airport counters and get competitive rates on your currency exchange.¹

Top locations for physical currency exchange in Wollongong

If you prefer to handle physical cash in person, Wollongong has 2 main areas for currency exchange: Wollongong Central in the CBD and Figtree Grove to the south. Below is a comparison to help you choose.

Currency exchange options in Wollongong Central (CBD)

Wollongong Central Shopping Centre is the main CBD option for money exchange in Wollongong. Crown Currency Exchange, located opposite Rebel Sport on Level 1, offers one of the largest foreign currency ranges in Australia with zero commission, and it's open 7 days a week with late trading on Thursdays until 8pm.

You can check their rate calculator online before visiting. The Travelex counter at Wollongong Post Shop on Crown Street is another option for Travelex Wollongong services, where you can order online and pick up your currency in-store.

Currency exchange options in Figtree

For residents of Figtree and the southern suburbs, currency exchange is available at Figtree Grove shopping centre. Travelex Figtree, located at Shop 26/19 Princes Highway, handles Figtree currency exchange and money exchange in Figtree with online ordering and in-store pickup.

Keep in mind that hours are more limited than in Wollongong Central.

Cash vs card: what should you use to pay abroad?

For most trips, a combination works best: carry a small amount of local cash for tips, taxis, and small vendors, and use a card for larger purchases.

ATM tips when travelling abroad

• Use bank ATMs, not private ones: stick to machines inside or attached to major banks. Avoid standalone ATMs in tourist areas, which often carry less competitive rates and extra fees.
• Always choose the local currency, never your home currency: if an ATM or card terminal offers to charge you in your home currency rather than the local currency, decline. That's dynamic currency conversion, and it uses a rate that's typically much less competitive than your card provider's.
• Use a debit card for withdrawals: credit card cash advances come with high fees and often start accruing interest immediately.
• Check your card's foreign transaction fee: many Australian cards charge a 2–3% foreign transaction fee on every purchase made abroad, on top of an exchange rate that's rarely in your favour. Opting for a travel-friendly card can help you save.

Using Australian debit and credit cards abroad

Australian Visa and Mastercard cards are widely accepted, and contactless payments are the norm in many countries. The main thing to watch is your card's foreign transaction fee — many Australian cards charge a 2–3% foreign transaction fee on every purchase made abroad, on top of an exchange rate that's rarely in your favour. A Revolut card handles foreign spending at competitive rates.

ATM withdrawals and dynamic currency conversion (DCC)

The single biggest fee trap for Australians abroad is dynamic currency conversion (DCC). When you insert your card into an ATM or present it at a card terminal while you're abroad, the machine may ask whether you'd like to complete the transaction in the local currency or your own. The option to pay in your own currency seems helpful, since you'll be able to see how much is going to leave your account, but it uses a rate that's typically much less competitive than your card provider's. Always opt to pay in the local currency to get your provider's rate.

Delivery fees may apply.

Tips for foreign money exchange in Wollongong with Revolut

With a Revolut multicurrency account, you can hold and exchange foreign currency and AUD in-app at the Revolut rate, then spend abroad at the checkout with a virtual or physical card.¹

We exchange currency at the competitive Revolut exchange rate, and there are no additional currency exchange fees on weekdays during foreign exchange market hours, as long as you stay within your plan's fair usage limit. You can create a virtual card right away in-app for secure spending both online and in-person via Apple Pay or Google Pay.

You can also use your physical card to withdraw cash from ATMs at competitive exchange rates with no fees from us during market hours and within your plan limits, so you always have the right cash for tips and local spots that don't take cards.

How to open a Revolut account and exchange currency in Wollongong

To manage your travel money from your phone, here's how to get set up. For a full walkthrough, see our guide to opening a Revolut account in Australia.

1. Download the Revolut app and sign up. You'll need to be 18 or older and verify your identity with a government-issued ID and your passport and Australian residential address.
2. Add money in Australian dollars via bank transfer, debit card, or another supported method.
3. Open a currency space in-app and exchange your money at the Revolut rate. You'll see the rate and any fees before you confirm.
4. Order a physical card for in-store spending (delivery fees may apply), or get a virtual one to start spending right away.
5. Use your card anywhere Visa or Mastercard is accepted.
6. You'll see the rate and fees in-app before the payment settles, and you can track your spending in real-time.

Still got questions about spending abroad with your Revolut card? Check out our Help Centre.

¹Exchange and remittance fees, fair usage limits, and T&Cs apply.

The information provided is accurate as of 22 September 2026.