Why a Visa Debit Card?



Visa Debit Card

ATM cash withdrawals in New Zealand

yes yes

EFTPOS purchases in New Zealand

yes yes

ATM cash withdrawals and balance enquiries worldwide


In-store purchases worldwide – wherever Visa is accepted


Online purchases


Phone purchases


Mail order purchases


Note: If your business requires more than one signatory to make financial transactions, you won't be able to get card access to your account.

How it works

  • You can link a Visa Debit Card to your one-to-sign Business Edge or NPO Performer account.
  • Your card will be printed with your name, rather than your business' name.
  • Choose a card design and add a PIN to your card through internet banking for business, or get one over the counter at your local Kiwibank.
  • Microchip technology and Verified by Visa security for extra protection.

Using your Visa Debit Card

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:

  1. Enter your PIN.
  2. 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 and international transaction 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.

Using payWave

To pay for goods or services using payWave, just tap your card in front of the Visa payWave reader for transactions under $200 and you’re done. If your transaction is over $200, you can still use payWave, but you’ll be asked to enter your PIN. The transaction will come from the account you have linked to the CHQ button which is set up for you when you order a Visa Debit Card.

When using payWave overseas, keep in mind that transaction limits may vary and depending on the rules of the country, you may be asked to enter your PIN or sign. When you use your card for foreign currency transactions, your transactions will be charged to your account in New Zealand dollars at a rate of exchange determined by Visa on the date it sends the transaction details to us. An international transaction fee also applies.

What it costs

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.

Other fees may apply.

You may also be interested

The Visa Debit Card is not available on all accounts.

Download Kiwibank’s Disclosure Statement (PDF 4.2 MB) or pick up a copy at your local Kiwibank.