FAQs - Cards

Got a question about your card? Check out our FAQs on cards.

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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.


How do I change my card PIN?

Follow these simple steps to change your PIN in our moneytree app, or internet banking.

moneytree app

  • Log and select ‘cards’ from the menu;
  • Select ‘Change PIN’ and follow the prompts.

Internet Banking

  • Login and select ‘Accounts’;
  • Select ‘Card PIN Change’ and follow the prompts.


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:

  • Ultra-short read range – generally less than 4cm;
  • Each Visa payWave card has its own, unique, built-in, secret key, which is used to generate a unique code for every Visa payWave transaction;
  • Every Visa payWave transaction is authorised securely; and
  • The power and global reach of the VisaNet* system to help prevent fraudulent transactions.

*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:

  • Transact using payWave;
  • Complete a transaction online or over the phone;
  • Select credit option and enter PIN; or
  • Make an overseas and/or domestic transaction and select the credit option.

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 $100, with a maximum of $500 per day.

You’ll also have access to our mobile payment solutions, including Android, Apple and Samsung Pay.

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.

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. 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:

  • Internet banking – simply log in and select ‘Accounts’ and then ‘card activation’ and follow the prompts.
  • moneytree mobile banking app – log in and select ‘cards’ from the menu, and follow the prompts.
  • Give us a call on 1300 132 249.

Follow these simple steps to let us know if your card has been lost, damaged or stolen.

  • Login into the moneytree app
  • Select ‘cards’ from the home screen
  • Select the card
  • Tap “need help with your card?’
  • Choose from one of the 3 options
    • ‘Damaged your card?’
    • ‘Card been stolen?’
    • ‘Lost your card?’
  • Damaged card
    • Select ‘Yes’
    • Confirm your address
    • A stop will be put on your card and a replacement card will be ordered
  • Stolen card
    • Select ‘yes’
    • Confirm your address
    • A stop will be put on your card and a replacement card will be ordered
  • Lost card
    • Select ‘yes’
    • Confirm your address
    • A stop will be put on your card and a replacement card will be ordered

If you don’t have the app you can download it here.

You can also get in touch on the below contact numbers –

Visa Debit
1300 132 249
Contact centre hours

1800 648 027
Outside business hours

You can certainly use your VISA card overseas. 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. 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 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 want to change it, you can do this anytime! Simply log onto internet banking or our mobile banking app, moneytree, and follow the prompts.

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