Oxetoricom began with a simple frustration that every Australian traveller knows: watching your money disappear into fees that seem designed to punish you for exploring the world.
How It Started
In 2018, our founding team returned from separate trips across Asia and Europe with identical stories. Despite planning carefully, each had lost hundreds of dollars to currency conversion fees, ATM charges, and exchange rate markups that seemed impossible to predict or avoid.
We discovered that this was not an isolated experience. Talking to friends, colleagues, and eventually conducting broader research, we found that Australian travellers consistently reported confusion and frustration with international spending. The traditional banking system was simply not designed with modern travellers in mind.
"We asked ourselves: why should exploring the world come with a hidden tax that most people do not even realise they are paying?"
Our Approach
Rather than accepting the status quo, we built something different. Our travel cards are designed from first principles, asking what travellers actually need rather than what banks have always provided.
This means transparent pricing without buried fees. It means real-time visibility into every transaction. It means exchange rates that reflect actual market conditions, not arbitrary markups. And it means support that understands the unique challenges of being abroad.
The Team Behind Oxetoricom
Our team combines experience from financial services, travel technology, and customer experience design. We have people who have worked at major banks and understand exactly how traditional systems operate. We have technologists who have built payment infrastructure. And critically, we have travellers who personally test every feature we build.
James Thornton
Co-founder and Managing Director
Rachel Chen
Chief Operations Officer
Daniel Murray
Head of Technology
Our Commitment
Every decision we make is guided by a straightforward question: does this make travelling easier or harder for our customers? That filter keeps us focused on what matters and helps us avoid the feature creep and complexity that plagues many financial products.
- Transparent pricing with no hidden fees or surprises
- Customer support that actually understands travel
- Continuous improvement based on real traveller feedback
- Security and privacy as foundational principles
- Partnerships with organisations that share our values
Experience the Difference
Join the growing community of Australians who have discovered a better way to travel.
Explore Our Cards