Visa payWave is a contactless method of payment. It is a simple, secure and quick way to pay for transactions up to $100, with a maximum of $500 per day. Visa payWave allows you to ‘tap’ your card on a contactless POS terminal to make transactions up to $100, rather than ‘swiping or inserting’ your card into the POS terminal.
Will I receive a PIN and need to activate my new card?
Yes. Along with your new card, you’ll receive a separate letter with a new PIN for your Visa Debit card. If you’d like to change your PIN, you can do so via our moneytree app, or by dropping into your local branch.
You’ll also need to activate your Visa Debit card before you can start using it. Activating your card is easy. You can do so via internet banking, moneytree, or by calling us on 13 22 49.
No, a Visa Debit card is linked to the funds available in your account. So, if you attempt to make a purchase, which exceeds your available funds, the transaction will be declined.
Yes. In additional to the 24/7 monitoring, we have in place here at the Credit Union, there are a number of security features for Visa cards including:
*VisaNet is the global payment system, including security and technology which operates the Visa network.
A number of merchants are also part of the Verified by Visa program. This means you may be asked to answer additional security questions before you can complete the purchase online.
Even for transactions not covered by Visa Zero Liability, there is protection against unauthorised or fraudulent activity on your account under the ePayments Code (monitored by the Australian Security and Investment Committee).
Also remember, you remain in control of your card during the entire transaction, further reducing the risk of fraud.
All Visa card holders are also protected by Visa’s Zero Liability policy, so you won’t be held responsible for fraudulent charges or unauthorised purchases made with your card or account information. The policy covers you when you:
The policy covers Australian and New Zealand-issued cards and does not apply to ATM transactions, transactions not processed by Visa or certain commercial card transactions.
With a Visa Debit card, you’ll be able to make purchases online, over the phone and with a merchant wherever Visa is accepted. The same card also gives you access to Australian and international ATMs where the Visa card logo is displayed.
It also makes paying for the everyday easier with Visa payWave. You can simply tap your card to quickly and securely process transactions up to $200, with a maximum of $500 per day.
You’ll also have access to our mobile payment solutions, including Android, Apple and Samsung Pay.
If you notice any unauthorised transactions on your account, please contact us immediately and we can investigate this for you. You also have 24/7 access to our card management services via our moneytree app, which means you can place a temporarily hold on your card or cancel it, if you think it’s been lost or stolen.
Unfortunately, you cannot opt-out of payWave. However, the way in which you use your card is up to you – whether it’s using payWave or selecting ‘savings’ and entering your PIN.
You can do this a number of ways:
Our members can easily avoid a $2.50 ATM operator fee by accessing one of the 10,000 ATM’s which provide ATM operator fee free withdrawals. To view a full list of banks with fee free ATMs visit www.ratecity.com.au/bank-accounts/news/banks-allow-free-atm-withdrawals
Plus, with PayWave, our Pays solutions (Google Pay, Apple Pay, Samsung Pay, Garmin Pay and Fitbit Pay), paying for everyday items is easier and fee free. Just note, some retailers might charge a fee for using their EFTPOS facilities.
You’ll need to activate your card before you can use it. But don’t fret we’ve made it simple for you.
You can activate your card in minutes by:
If your card is lost or stolen you’ll need to give us a call quick smart and we’ll help you out.
We’ll cancel your card and order you a new one. We can also check if any unauthorised activity has occurred on the card.
13 22 49
Contact centre hours
1800 648 027
Outside business hours
You can certainly use your VISA card overseas. Just note you’ll be charged a few fees including a 3% fee of the purchase or withdrawal amount. You may also be charged a foreign ATM withdrawal fee. Just remember to factor in the conversion rate.
Don’t forget to let us know when you’re leaving so we can keep an eye on your transactions while you’re away.
Yes, we’re here to help.
You’ll just need to contact the VISA hotline on +1 303 967 1090. There will be a fee of approximately $50-350 for your emergency card.
If you’ve forgotten your PIN or if you just want to change it, you can do this anytime! Simply log onto internet banking or our mobile banking app, moneytree, and follow the prompts.
Not sure what's the best fit for your needs? No worries. Get in touch with one of our banking specialists today.