I Sailed Around the World Because of an Expired Bank Card

I Sailed Around the World Because of an Expired Bank CardIt was May 2002. I watched my ship sail away, and wondered what on Earth I was going to do next.

Three years on any ship would have done strange things to my mind; three years on Duyfken, a sixteenth-century sailing ship, had left me standing on a wharf in the Netherlands with an unusual set of life experiences, a bag of dirty clothes, and no way to get home to Australia.

First things first, I took stock of my belongings: a bag of grubby clothes held together by old canvas patches, my rigging kit, a half-eaten sandwich, some toiletries, antibiotics, an expired bank card, and my textbooks. Don’t judge me. Studying is important!

My main problem was the bank card. You have to remember, this was 2002. It’s hard to imagine now, but internet banking wasn’t introduced in Australia until 2001, the year my card expired. I noticed the card had expired when I arrived in South Africa, but to get my new card sent overseas, I needed to fill in a change-of-address form.

Duyfken sailing through the crater of Krakatoa, a volcano in Indonesia
Duyfken sailing through the crater of Krakatoa, a volcano in Indonesia

To get a change-of-address form, I needed to go into a branch of my bank in Australia. That obviously wasn’t going to happen while I was stuck in South Africa. Or the Netherlands. Or the middle of the Atlantic Ocean.

I couldn’t phone the bank because I only had €20 ($21.70) to keep me going until this was sorted out. That would have barely lasted five minutes on an international phone call! Until I got a new bank card, I couldn’t withdraw any money, and until I got some money, I couldn’t argue with the bank about the bank card. It was a classic Catch-22, and no matter how I tried to break out of it, the bank blocked me. I needed to come up with a plan.

Nic's sea chest, and essential supplies for six months
Nic’s sea chest, and essential supplies for six months

I have to admit, I got lucky: I got chatting with Danielle on the wharf in Texel. She was one of the thousands of people who’d visited the ship in Australia, but she actually lived near Amsterdam, and remembered me. She took me home later that day, and I settled in on her couch.

Much to my surprise, it didn’t take long before a Dutch sailing ship, Stad Amsterdam, offered me a job as quartermaster. I was familiar with the job — taking responsibility for running a watch and training trainees, but there were two problems: first, the ship was nothing like the ships I was used to; and second, I didn’t speak Dutch. Still, immersion is the best way to learn!

The first few days on board were interesting, in all senses of the word. After several years in re-enactment conditions, I wasn’t used to unlimited food, an actual bed to sleep in, and real laundry! My social and linguistic blunders kept everyone on their toes as I managed to flood the ship (the words for “close” and “nothing” sound very similar in Dutch, which didn’t help when you’re controlling a tap), offend the passengers, and totally confuse the rest of the crew. For any Australians reading this, be aware that in the Netherlands, Milo is a brand of soap, not a hot drink. I learned that the hard way.

Repairing rigging on Stad Amsterdam after a collision
Repairing rigging on Stad Amsterdam after a collision

After a year onboard, I’d crossed the Atlantic twice, sailed the Caribbean and the Mediterranean, passed written exams for my correspondence course, learned Dutch, and generally got my life under control. I even managed to successfully avoid fines for not paying my $2.20 Australian tax bill. When your tax letter chases you around the world for six months, then finds you the day before payment’s due, it makes it very difficult.

I left the ship a year later with far more resources than I’d had when I joined her, and the realization that there were more job opportunities in Europe than in Australia. Eager to speak English again, I went to the UK to see what I could find, and face my next big challenge: tracking down the fellow crew member who’d lent me €20 the year before, so that I could repay them. Borrowing money was unavoidable, but not paying it back was unthinkable. That took another two years, five countries, and was a lot harder than I expected.

Murphy’s Law transcends international borders. The first ship I found was an Australian sailing ship, the Endeavour, in Whitby. After a few days volunteering on her and getting used to English sailing terminology again, a Dutch sailing passenger boat arrived looking for a crew member who could speak Dutch.

Sails hanging out to dry, at anchor off Banda Island, Indonesia
Sails hanging out to dry, at anchor off Banda Island, Indonesia

That job put me in range of a UK maritime college, where I enrolled in a correspondence course to work towards a qualification as a deck officer in the merchant navy. That course, in turn, led to my next job as a deckhand on a Dutch container ship in the Baltic, running to Finland and Russia in winter.

After five months of lashing and unlashing containers, trying to maintain the ship in sub-zero temperatures, and chipping ice off the accommodation to prevent the ship from capsizing, I decided it really was time to go home. I liked the cold, but even I have my limits.

By then, I had a healthy bank balance spread across accounts in two countries, and it was simply a matter of buying a ticket and flying home. On Duyfken, it had taken 359 days to travel from Sydney to the Netherlands. On a plane, it took me less than 36 hours to fly back. The joys of modern technology.

When I arrived back in Australia in February 2004, I took stock of my life:

  • I was halfway through maritime college in the UK;
  • I was ready to take the exam for a Master Class 5 qualification (a basic commercial boat-driving license) in Australia;
  • my bank had been paying me interest for two years; 
  • my dad didn’t understand why I hadn’t just asked him to buy me a ticket home in the first place.

That experience and the qualifications I gained set me on a path that’s had me living and working across the world. It also taught me to always check the expiry dates on my bank cards, never be too proud to ask for help, and look for the silver lining in every disaster.

Even though I closed my account with that bank and will never go back to them, the bonus interest was a lovely boost to my savings, and the experience of starting from scratch has given me the confidence to take risks. I know now that even if I fail, it’s not the end of the world, as long as there’s a dock nearby!

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Category: Life StoriesLifestyle


  1. Amazing feat! I cannot imagine myself sailing across the world in a boat for so long as a career.

    I laughed at the part where you mentioned about your dad and him wondering why you didn’t ask him to buy a ticket home for you in the first place. Some experiences truly cannot be bought.

    I’m sure you’ll cherish that experience forever, and hopefully you don’t face the expired bank card situation again.

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Article by: Nic Gardner

Nic Gardner stumbled onto a local sail-training ship while she was still at high school in Australia, and fell in love with being at sea. Apart from brief and unavoidable stints ashore to complete her studies, she’s been working at sea ever since. Her career has taken her across the world and given her the opportunity to indulge her passion for learning, writing, and travel. She now calls New Zealand home.