Visa Debit Card
Link up to two accounts, including joint accounts. Use it like an ATM/EFTPOS card to make in-store purchases and withdraw cash in New Zealand - and use your own money to pay for things overseas, online, over the phone... or any other way you’d usually pay by credit card.
Get one now
You can link a Visa Debit Card to these accounts (including joint accounts):
If you’ve already got an account, you can order your Visa Debit Card and choose a PIN for it via internet banking and we’ll post it to you ready to use. Otherwise, you can request a Visa Debit Card when you open your account.
How does it work?
Compare the benefits
How you can use your card |
Standard ATM/EFTPOS card |
Visa Debit Card |
|---|---|---|
| ATM cash withdrawals in New Zealand |  |
|
| ATM cash withdrawals and balance enquiries worldwide | |
|
| EFTPOS purchases in New Zealand | |
|
| In-store purchases worldwide – wherever Visa is accepted | - | |
| Online purchases | - | |
| Phone purchases | - | |
| Mail order purchases | - | |
In New Zealand
Use it like an ATM/EFTPOS card.
Overseas
Making purchases
Select ‘Credit’ and enter your PIN (you can sign if the PIN option’s not available).
At an ATM
1. Enter your PIN.
2. Select ‘Credit’.
3. Withdraw cash or check your balance.
Online, by phone, mail order
Use it like you’d use any credit card.
If you’ve got two accounts linked to your card, purchases online and overseas will come out of your default (Cheque) account.
Your card
There’s a $10 annual fee - we’ll waive this for the first year you have a Visa Debit Card with us. See our fees.
Your card is valid for three years - we’ll post you a new one when it’s about to expire. Just use it with your PIN in an EFTPOS terminal to activate it.
Security
Chip protection
All new Visa Debit Cards have chip security to protect against fraud. If you already have a Kiwibank Visa Debit Card, you’ll be upgraded to a chip card when your current card expires - or you can call us to get a new card early.
Verified by Visa
When you buy online at selected retailers, you may be prompted to enter some additional verification details (stuff you already know, but a stranger wouldn't be able to guess) - this is to stop anyone who isn’t you using your card to buy things online. Find out more
Eligibility
You can get a Kiwibank Visa Debit Card if you’re over 15 years old and have a Now, Front Runner, Free Up or Back-up Saver account, or a Kiwibank Revolving Home Loan.
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Conditions
The Visa Debit Card is not available on all accounts. Download Kiwibank's 
Disclosure Statement (PDF 1.7 MB) or pick up a copy from your local Kiwibank.