A Visa Debit card allows you to pay for your purchases using your own money through the Visa network. ANZ Access Visa Debit is a feature of the ANZ Access Advantage, ANZ Extras Package, ANZ Access Select and ANZ Pensioner Advantage accounts.

Visa Debit offers the flexibility of accessing your everyday transaction account with the added benefit of access to the worldwide Visa network.

For more information, please read the following Visa Debit frequently asked questions.
 

What is ANZ Access Visa Debit?

ANZ Access Visa Debit is a feature of the ANZ Access Advantage, ANZ Extras Package, ANZ Access Select and ANZ Pensioner Advantage accounts.

ANZ Access Visa Debit card offers the convenience of access to the worldwide Visa network, allowing you to shop online, overseas or over the phone with your own money. You can also use your card to withdraw cash and pay bills.

What is ANZ Everyday Visa Debit?

ANZ Everyday Visa Debit is no longer available to new customers. New customers seeking access to Visa Debit can apply for an ANZ Access Advantage and ANZ Pensioner Advantage account with Visa Debit card access.

Existing ANZ Everyday Visa Debit customers should refer to the ANZ Everyday Visa Debit Product Disclosure Statement (PDF 244kB) for information about their account.

Existing customers should also consider whether they could enjoy more convenient banking and save money by paying lower monthly account servicing fees by switching to an ANZ Access Advantage with an ANZ Access Visa Debit card.

Why did I receive an ANZ Access Visa Debit card in the mail?

ANZ Access Advantage, ANZ Access Select and ANZ Pensioner Advantage accounts now come with a Visa Debit card. The replacement of your ANZ Access card with an ANZ Access Visa Debit card provides you with improved features and greater security with no extra cost for the card.

The ANZ Access Visa Debit card allows you to access your money everywhere Visa is accepted (at over 29 million locations worldwide). Visa Debit allows you to withdraw cash, pay bills and make purchases on the internet, overseas and by telephone using your own money.

To find out more about the benefits of Visa Debit, please refer to ANZ Access Visa Debit, alternatively call us anytime on 13 13 14 or visit your local branch.

What is the difference between a Visa Debit and a credit card?

A Visa Debit card allows you to pay for your purchases using your own money through the Visa network, while a credit card provides you with the ability to access credit, which you then repay at a later date.

Visa Debit offers the flexibility of accessing your everyday transaction account with the added benefit of access to the worldwide Visa network. You can access your account at more than 29 million outlets around the world including online, over the phone or overseas. So now you can make purchases like flights or concert tickets online or over the phone using Visa Debit.

Who is eligible to apply for a Visa Debit card?

Customers aged 18 years or over* that have an Australian mailing address are eligible to apply for a Visa Debit card1.

* A customer who is aged 16 years or over may apply, provided another account holder is aged 18 years or over.

How do I apply for an account with Visa Debit access?

Simply apply for one of the following accounts:

Or you can:

  • visit any ANZ branch
  • call ANZ on 13 33 33, from 8.00am to 8.00pm (AEST) Monday to Friday.

Please note hearing or speech impaired customers can utilise the TTY service: 1800 651 546.

Is Visa Debit available in different colours?

Yes. You have the choice between a blue, pink or black ANZ Access Visa Debit card. You will be asked to nominate your preferred card colour during the application process. The blue card is the default design and will be provided if no selection is made.

EverydayDebitBlackEverydayDebitPinkEverydayDebitBlue   

What is ANZ Visa payWave?

ANZ Visa payWave is a new contactless payment feature on the ANZ Access Visa Debit card allowing you to pay for purchases under $100 without swiping, signing, or entering a PIN at any merchants who have a contactless terminal. 

For more information, please see ANZ Visa payWave or call 13 13 14.

How can I get ANZ Visa payWave on my ANZ Access Visa Debit card?

If you are an existing ANZ Access Visa Debit card holder you should be eligible to have ANZ Visa payWave enabled on your ANZ Access Visa Debit card.  Please call 13 13 14 for more information.

Where can I use my Visa Debit card?

Visa Debit is accepted at more than 29 million outlets around the world, wherever Visa is accepted. This includes at the point of purchase (EFTPOS), ATMs, online, over the phone or overseas.

How do I make purchases and withdraw money with Visa Debit?

There are many ways you can access your money using your ANZ Visa Debit card, including at ATMs, at the point of purchase, over the phone, online and via mail order. 

A simple rule to remember is to select ‘Credit’ for all transactions, unless withdrawing cash with purchases where you select ‘Savings’.

How do I use Visa Debit at an ATM?

When using your ANZ Access Visa Debit card for ATM transactions, select the 'credit' button to access your account.

How do I use Visa Debit in a shop or outlet?
When to press credit or savings Press credit Press savings
ATM balance enquiry ANZ Tick Blue  
ATM cash withdrawal ANZ Tick Blue*  
Purchases in Australia ANZ Tick Blue  
Purchases in Australia with cash out   ANZ Tick Blue*
Overseas purchases ANZ Tick Blue  

* Standard daily cash withdrawal limit: AUD$1,000 per card provided your account has sufficient funds. Daily refers to Midnight to Midnight Melbourne time.

Enjoy the added security of ANZ Falcon™ fraud monitoring your ANZ Visa Debit card transactions - even when you’re shopping overseas or online. All transactions are automatically protected by ANZ Falcon™ which monitors your transactions for unusual or suspicious activity.

TM ANZ Falcon is a trademark of Australia and New Zealand Banking Group Limited ABN 11 005 357 522. Falcon is a trademark of Fair Isaac Corporation.

What if a store’s card machine won’t let me press ‘Credit’?

That’s ok, you can still press ‘Savings’.

How do I make Internet, phone or mail order purchases using Visa Debit?

To make Internet, phone or mail order purchases:

  • simply quote your 16 digit card number and expiry date (from the front of your card), and advise the card type is Visa
  • as an additional security measure some organisations may require the Card Validation Code (CVC) – the last three digits on the back of your card.
  • if you have registered for Verified by Visa and make online purchases with a participating merchant, simply enter your password when prompted. ANZ will verify the correct password has been entered and complete the transaction as usual.
Is Visa Debit accepted outside Australia?

Yes. With Visa Debit you can access your own money wherever Visa is accepted. There are more than 29 million outlets around the world.

You can also make withdrawals from Visa ATMs whilst overseas, and avoid carrying large amounts of cash. Fees and charges apply. Please refer to ANZ Personal Banking Account Fees and Charges (PDF 92kB) for fees and charges that apply.

When you're at an ATM or point of purchase, always select 'credit' (when the option is available) for transactions.

What security features are offered with Visa Debit?

Transactions made in Australia and overseas on your Visa Debit card could be worry-free with the protection of ANZ Falcon™.

At ANZ, we have round-the-clock security procedures to help protect your ANZ Access Visa Debit card transactions. The advanced software of ANZ Falcon™ can detect oddities in your spend pattern. If a transaction is thought to be unusual or suspicious, ANZ will contact you to confirm if the transaction was yours. All transactions using your ANZ Access Visa Debit card are automatically protected by ANZ Falcon™.

Am I protected when I purchase online?

As well as the protection of ANZ Falcon™, online purchases are covered by the ANZ Fraud Money Back Guarantee and may be covered by Verified by Visa.

Feel at ease with the ANZ Fraud Money Back Guarantee – you won't be liable for fraudulent transactions on your ANZ card, provided you didn't contribute to the loss and you notify ANZ promptly of the fraud.

Verified by Visa: Benefit from added peace of mind when using your Visa Debit card on the Internet. Verified by Visa is a joint initiative between ANZ and Visa. It offers you protection against the unauthorised use of your Visa Debit card for online shopping at participating Verified by Visa merchants. At these merchants, Verified by Visa allows you to identify yourself using your Verified by Visa password.

Am I able to reverse a transaction?

When you have authorised another person or company (merchant) to transact on a Visa Debit card by providing your Visa Debit 16 digit card number or you have used your card to make a point of sale purchase by selecting the ‘credit’ option, you may be able to reverse the transaction where you have a dispute with the merchant. For example you may be able to reverse a transaction where the merchant has not provided you with the goods and services that you paid for.

You should notify us immediately of a disputed transaction made using your Visa Debit card. Visa scheme time limits also apply. If after an investigation ANZ is satisfied that you are entitled to reverse a transaction, it will credit your account for the amount initially debited for the transaction.

What are the transaction and daily limits?

Your combined ATM and EFTPOS withdrawal limit is AUD$1000 per ANZ card.

This daily limit does not apply when you make a purchase using "Credit" or Visa (e.g. online or over the phone). All withdrawals and purchases are limited to the available funds in your account.

Can I set up recurring transactions and direct debits?

Yes. You can arrange recurring transactions to other organisations like insurance or car repayments to be charged to your account.

To set up recurring transactions with other organisations, provide them with your 16 digit card number and expiry date, and advise the card type is Visa. As an additional security measure some organisations may require the Card Validation Code (CVC) – the last three digits on the back of your card.

Or, you can set up a direct debit by providing the BSB and account number.

What are authorisations for transactions made using my Visa Debit card and how does this affect the funds in my account?

A merchant or other person involved in a transaction may obtain an authorisation for the transaction before the transaction is made. The authorisation is for the purpose of establishing that there are sufficient funds available in the account for the transaction.

Once the authorisation is obtained, it will reduce the amount of available funds in your everyday bank account. If the purchase or other transaction is not completed, the amount of available funds in the account may continue to be reduced for up to six ANZ business days, after the authorisation is obtained.

As an example, when you pre-order goods and services such as hotel bookings and car rentals the merchant is able to check if you have sufficient funds in your account. This is known as authorisation.

Do I have access to any additional Visa services?

Visa Debit gives you all the benefits of the Visa network.

In addition to being accepted at more than 29 million outlets worldwide you will also have access to Visa Entertainment. Thanks to Visa and partners including Disney, Sony and Ticketek, you'll enjoy access to offers such as:

  • pre-sale periods to concerts and live events
  • access to the best seats in the house
  • special offers on movie tickets
  • exclusive merchandise packages
  • special offers on home entertainment products.

To find out more about the latest offers visit www.visaentertainment.com.au.

Verified by Visa

What is Verified by Visa?

Benefit from added peace of mind when using your Visa Debit card on the Internet. Verified by Visa is a joint initiative between ANZ and Visa. It offers you protection against the unauthorised use of your Visa Debit card for online shopping at participating Verified by Visa merchants. At these merchants, Verified by Visa allows you to identify yourself using your Verified by Visa password.

After I enrol, how long does it take for Verified by Visa to become active on my card?

It will become active immediately.

What happens if I don't want to enrol?

We may provide you with the option to defer enrolment up to three times. After you defer three times, you will need to enrol in Verified by Visa to continue shopping online with Verified by Visa participating merchants.

Can additional cardholders shop with Verified by Visa once I enrol?

If there are multiple cardholders, each cardholder will need to enrol for Verified by Visa in order to shop online with the Verified by Visa protection at participating merchants.

How do I change my Verified by Visa password or Personal Message?

Once you have enrolled, you can change these at any time by clicking the 'Enrol Now' button on the Verified by Visa password entry screen. Or you can call 13 33 50 to have your Verified by Visa password reset.

What if I forget my password?

If you have forgotten your Verified by Visa password and you haven't suspended your Verified by Visa account, you can simply click on the "Forgot your password" link on the Verified by Visa password entry screen and re-enrol. You will be asked to create a new Verified by Visa password and personal message.

How do I unlock my password?

Call ANZ on 13 33 50 for assistance.

How do I unblock my enrolment?

Call ANZ on 13 33 50 for assistance.

How do I cancel my Verified by Visa service?

Call ANZ on 13 33 50 for assistance.

* Fees and charges apply. Please refer to ANZ Personal Banking Account Fees and Charges (PDF 104kB) for fees and charges that apply.

Any advice does not take into account your personal needs and financial circumstances and you should consider whether it is appropriate for you.

ANZ recommends you read the Terms and Conditions and the Financial Services Guide, which are available at anz.com or by calling 13 13 14, before deciding whether to acquire, or continue to hold, the product.

1 Eligibility criteria apply to issue of ANZ Access Visa Debit card.

™ANZ Falcon is a trademark of Australia and New Zealand Banking Group Limited (ANZ) ABN 11 005 357 522. Falcon is a trademark of Fair Isaac Corporation.

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