Get one now

You can link a Visa Debit Card to these accounts (including joint accounts):

Find the right account for you

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 get one over the counter from your local Kiwibank.

Join Kiwibank

How does it work?

Compare the benefits

How you can use your card ATM/EFTPOS card Visa Debit Card
ATM cash withdrawals in New Zealand Yes Yes
ATM cash withdrawals and balance enquiries worldwide Yes Yes
EFTPOS purchases in New Zealand Yes Yes
In-store purchases worldwide – wherever Visa is accepted - Yes
Online purchases - Yes
Phone purchases - Yes
Mail order purchases - Yes

In New Zealand

Use it like an ATM/EFTPOS card.

If you’ve chosen to link one account to your Visa Debit Card, choose “CHQ“. If you’ve chosen to link two accounts to your Visa Debit Card, choose “CHQ“ to access your primary account and “SAV“ to access your secondary account.


For store purchases, checking your balance, or withdrawing cash at an ATM:

  • Enter your PIN
  • Select ‘Credit

Even though you select “Credit“, the funds will come from your primary account. This is the account that is accessed when you select “CHQ” while using your card in New Zealand. If you have a secondary account linked to your card, you won’t be able to access this secondary account while overseas. Overseas ATM cash withdrawal and currency conversion fees will apply.

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, by phone or mail order, or made overseas will come out of your primary (CHQ) account.

Your card

There’s a $10 annual fee per card - but we’ll waive this for the first year that you have a Visa Debit Card with us.

For further details, please see our fees and limits brochure.

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 in New Zealand to activate it.


Chip protection

All new Visa Debit Cards have microchip technology to protect you from fraud.

Extra protection when you shop online

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


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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The Visa Debit Card is not available on all accounts. Download Kiwibank's Disclosure Statement (PDF 145.1 kB) or pick up a copy from your local Kiwibank.