Authorisations and declined transactions
Your Visa Debit Card is linked to your everyday account(s). If you don't have any money in your account(s), your transaction will be declined.
If your account goes into an unauthorised overdraft, you’ll be charged an account out of order fee. See our fees
Some places, like hotels and car rental agencies, might request confirmation that your account has enough funds to meet the estimated cost of goods or services that they supply. We treat the request as a card authorisation, which means you can't access those funds, even though the transaction hasn't been processed. When the transaction is processed, the authorisation is also processed and the transaction will show up in your account. These card authorisations will hold funds in your account for up to five days.
Fraud and security
If you think there’ve been fraudulent transactions on your account, you should contact us immediately on 0800 113 355 or +64 4 473 11 33 from overseas. You need to check your transactions regularly, and contact us immediately if something doesn't look right.
If fraudulent card transactions occur on your account and our investigations prove that you weren't responsible, you may not be liable for any losses incurred. See our General terms and conditions for Personal and business (PDF 279.7 KB) for more information.
There’s a $10 annual fee to have the card - we’ll waive this for the first year you have a Visa Debit Card with us. See our fees
Your card is valid for three years - we’ll send you a new one when it’s about to expire. Just use it with your PIN in an EFTPOS terminal to activate it.