Making contactless payments

All Kiwibank Visa cards have contactless technology – just tap your card or device on the reader to make your purchase, there's no need to swipe, insert, sign or enter a PIN on the terminal, as long as you keep within the transaction limit.

Using contactless payments


You can use contactless payments (Visa payWave), with your card or device anywhere you see the contactless symbol, both here and overseas. All Kiwibank Visa Debit and credit cards come with contactless capability.

If you want to set up contactless payments on your mobile device, you'll need to add your card to your mobile wallet, in the Kiwibank Mobile App. Learn more about getting started with Apple Pay or Google Pay™ in our support hub.

How to use it

Hold your card or mobile device within 4 cm of the contactless reader. This takes no more than half a second and the terminal will beep once the transaction is processed.

  • If you're using your card for purchases over $200, you can still tap your card, but you’ll need to sign or enter your PIN to complete the transaction.
  • There's no transaction limit if you're using your mobile wallet, however you'll need to stay within the daily Kiwibank Visa Debit Card purchase limit if you're using your Visa Debit Card to pay for your purchase.
Coffee payment

Watch this video to learn how to make contactless payments with your card. Read more about how to set up and use your mobile wallet.

Going overseas?

You can use contactless payments anywhere in the world you see the contactless symbol – but the transaction limit may vary from country to country.

When you use your card or mobile wallet 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 will also apply.

Is it safe?

Contactless payments are just as secure as how you pay now.

Your card or mobile device
  • never leaves your hand when you make a payment – so you’re always in control.
  • has to be extremely close to the reader to make a purchase – there’s no risk of accidentally purchasing anything as you walk past the reader.
  • is only charged once – even if you accidentally tap it twice.

If you think your card or mobile wallet has been used without your authorisation, call us as soon as possible on 0800 521 521 or +64 4 473 1133 from overseas. See disputing a card transaction.