With a go card, all you need to do is top up the balance online or at one of the hundreds of participating retailers, then touch on each time you board and touch off each time you disembark a ferry (free CityHopper services excluded).
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Translink operates a ferry from Riverside ferry terminal to South Bank ferry terminal every 15 minutes. Tickets cost $3 - $5 and the journey takes 14 min.
Walk to the ferry terminal and show your ticket or purchase one. When the ferry is ready to board, follow employee instructions and have your ticket ready to scan at the turnstiles. You will walk across a ramp to board the ferry.
Once on board the ferry you will disembark the coach and take the stairs to the passenger areas. You will not be allowed back down onto the vehicle deck during the crossing so make sure you have everything you need for the crossing with you. There is a large duty free shop and a self service restaurant on board.
That said, some ferries sell out, or require you to reserve a spot in advance (especially if you bring a vehicle). Tickets are often more expensive when purchased at the last minute, so by planning ahead and buying your tickets online you can likely save some money.
You don't need a car to get around Brisbane. The city's network of TransLink buses, ferries and trains connect all the major city sights, dining and nightlife precincts.