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


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


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 $80 and you’re done. If your transaction is over $80, 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.

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 designed 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 designed 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.

Make sure you read the General Terms and Conditions (PDF 279.7 KB) to understand in full how our Visa Credit Cards work.

You may also be interested in: