Activate a card

You'll need to activate your card whether it's a brand new card or a replacement card.

Visa Debit Card

1

Set PIN
Replacement cards
If you’ve been sent a replacement card due to your other card expiring, getting damaged, lost or stolen, and you had a PIN loaded on that card, then your existing PIN will be transferred to your replacement card.
New cards
If your card is brand new and you didn't set a PIN at the time you ordered your card, then it won’t come with a PIN. You can set a PIN through the mobile app or internet banking.
2

Activate your card in-store
Use your card in any store by inserting your new card into the EFTPOS machine and entering your PIN. You’ll now be able to use your card for all types of transactions.
3

Update your regular payments
If your card has new details — card number, expiry date or security code — you'll need to update any regular payments to include your new card details. To help with this, look through recent card transactions. Here are some common examples:

Mobile phone companies – 2degrees, One NZ, Spark, Skinny
Power companies – Genesis, Powershop, Meridian, Mercury, Flick, Contact, Nova Energy
Insurance companies – nib, Tower, AIA, Vero, AA, Southern Cross, State Insurance, AMI
Holiday bookings – Booking.com, Airbnb, holidayhouses.co.nz, airlines
Online shopping sites – Trade Me, Amazon, Mighty Ape, New World, Woolworths, Ticketmaster, eBay

TV and music subscriptions – Netflix, Sky TV, Spotify, Neon
Food deliveries – My Food Bag, HelloFresh, Uber Eats, Delivereasy
Fitness and gym subscriptions – Les Mills, City Fitness, Anytime Fitness, Snap Fitness, Jetts
Ride sharing apps – Uber, YourRide, Lime, Flamingo
Buy Now Pay Later – Afterpay, Klarna
Charitable donations – Red Cross, Cancer Society, SPCA

Credit card

1

Set PIN
Replacement cards
If you’ve been sent a replacement card due to your other card expiring, getting damaged, lost or stolen, and you had a PIN loaded on that card, then your existing PIN will be transferred to your replacement card.
New cards
If your card is brand new and you didn't set a PIN at the time you ordered your card, then it won’t come with a PIN. You can set a PIN through the mobile app or internet banking.
2

Activate your card in-store
Use your card in any store by inserting your new card into the EFTPOS machine and entering your PIN. You’ll now be able to use your card for all types of transactions.
3
(Optional) Activate your credit card online
You can activate your Kiwibank Credit Card without adding a PIN within internet banking.
1. Log in to internet banking.
2. Click on your card.
3. Select ‘Additional Options and Details’.
4. Next to ‘Card Status’ select ‘Activate’.
You'll be able to use your credit card for making online purchases and you can still use your card in-store without a PIN — you'll just have to insert your card into the EFTPOS machine, then press 'credit' and 'ok'. You may be asked to sign a receipt. Once you've made a purchase in-store, you'll be able to make contactless payments.
You won't be able to use your card in an ATM without a PIN.
If you don't have the mobile app or internet banking, please call us or visit your nearest Kiwibank with valid photo ID.
4

Update your regular payments
If your card has new details — card number, expiry date or security code — you'll need to update any regular payments to include your new card details. To help with this, look through recent credit card statements and transactions. Here are some common examples:

Mobile phone companies – 2degrees, One NZ, Spark, Skinny
Power companies – Genesis, Powershop, Meridian, Mercury, Flick, Contact, Nova Energy
Insurance companies – nib, Tower, AIA, Vero, AA, Southern Cross, State Insurance, AMI
Holiday bookings – Booking.com, Airbnb, holidayhouses.co.nz, airlines
Online shopping sites – Trade Me, Amazon, Mighty Ape, New World, Woolworths, Ticketmaster, eBay

TV and music subscriptions – Netflix, Sky TV, Spotify, Neon
Food deliveries – My Food Bag, HelloFresh, Uber Eats, Delivereasy
Fitness and gym subscriptions – Les Mills, City Fitness, Anytime Fitness, Snap Fitness, Jetts
Ride sharing apps – Uber, YourRide, Lime, Flamingo
Buy Now Pay Later – Afterpay, Klarna
Charitable donations – Red Cross, Cancer Society, SPCA

EFTPOS card

1

Set PIN
Replacement cards
If you’ve been sent a replacement card due to your other card expiring, getting damaged, lost or stolen, and you had a PIN loaded on that card, then your existing PIN will be transferred to your replacement card.
New cards
If your card is brand new and you didn't set a PIN at the time you ordered your card, then it won’t come with a PIN. You can set a PIN through the mobile app or internet banking.
2

Activate your card in-store
Use your card in any store by swiping your new card through the EFTPOS machine and entering your PIN.