Using your Visa Debit card

ANZ Access Visa Debit is a feature of the ANZ Access Advantage, ANZ One offset, 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.

Please visit My first Visa Debit card page. 

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 256kB) 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.

ANZ Access Advantage, ANZ One offset, 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 36 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.

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.

Customers aged 14 years or over that have an Australian mailing address are eligible to apply for a Visa Debit card^disclaimer.

Simply apply for one of the following accounts:

• ANZ Access Advantage
• ANZ One offset
• ANZ Pensioner Advantage
• ANZ Access Basic

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.

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.

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. 

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  for more information. 

Visa Debit is accepted at more than 36 million outlets around the world, wherever Visa is accepted. This includes at the point of purchase (EFTPOS), ATMs, online, over the phone or overseas.

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’ or 'Visa Debit' for all transactions, unless withdrawing cash with purchases where you select 'Savings' or 'eftpos SAV'.

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

* 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.

That's ok; you can still press 'Savings' or 'eftpos SAV'.

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 Visa Secure (formerly known as 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.

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 140kB) for fees and charges that apply.

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

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™.

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

Visa Secure (formerly known as Verified by Visa): Benefit from added peace of mind when using your Visa Debit card on the Internet. Visa Secure (formerly known as 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 Visa Secure (formerly known as Verified by Visa) merchants. At these merchants, Visa Secure (formerly known as Verified by Visa) allows you to identify yourself using your Visa Secure (formerly known as Verified by Visa) password.

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’ or 'Visa Debit' 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.

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 the ‘Credit’ or 'Visa Debit' selection or Visa (e.g. online or over the phone). All withdrawals and purchases are limited to the available funds in your account.

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.

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.

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.

Visa Secure (formerly known as 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 Visa Secure (formerly known as Verified by Visa) online merchants. At these merchants, Visa Secure (formerly known as Verified by Visa) allows you to identify yourself using your Visa Secure (formerly known as Verified by Visa) One Time Password.

If there are multiple cardholders, all cardholders will be auto enrolled into Visa Secure (formerly known as Verified by Visa) in order to shop online with the Visa Secure (formerly known as Verified by Visa) protection at participating merchants.

You can call ANZ on 13 33 50 for further assistance.