At a glanceVisa Debit Card

  • Pay for things under $80 with a wave of your card - look for the Visa payWave symbol and go PIN free 
  • Use your own money for all sorts of payments, all over the world*
  • Use of New Zealand bank-owned ATMs1 for free
  • An annual card fee applies2
  • Receive extra security via Verified by Visa when shopping online


What card suits you?

*Use of CommonWealth Bank ATMs in Australia only.
TSB Eftpos card Visa Debit
EFTPOS purchases in NZ
ATM withdrawals (NZ)
ATM withdrawals (overseas)*
Purchases overseas
Online purchases
Phone purchases
Mail order purchases
Recurring purchases
payWave technology

Lost & Stolen cards
If your card is lost or stolen within New Zealand, please let us know straight away by calling 0800 406 406

Overseas? Phone +64 6 968 3700.

Disputing a transaction

If you find a transaction on your TSB credit card statement or TSB debit account that you don’t believe you made, you can dispute it - you have up to 60 days from the transaction date to submit your dispute.






Visa payWave

Need to make a quick payment? Anything under $200 won’t require a PIN when you use Visa payWave - just wave and go. If you do spend over $200 you may be prompted to enter your PIN by the merchant2.


How it works
  • Look for the Visa payWave symbol in participating stores

  • Check the amount displayed on the terminal is correct & wave your card in front of the terminal. If a PIN is required, you’ll be prompted to enter that

  • Listen for the terminal to beep and give the green light, then check your transaction has been approved

  • That’s it, your transaction is complete



Braille added to Visa Debit cards

Putting customers first is at the heart of our philosophy, so we’re always looking for ways that we can improve our services. We’ve been working closely with the Blind Foundation and are excited to announce that our Visa Debit Cards will have ‘TSB D’ printed in braille on them. This is to help our vision impaired customers identify which card they’re using, as well as identify the orientation of their card.

Setting up your card

When you set up your Visa Debit card, you can choose the account you’d like to use as a default account when no selection is available, like when you shop online. You can also specify which of your savings or cheque accounts you'd like Visa Debit to use when you do have a selection choice.

When you do have a selection choice, like cheque or savings, you can choose which account you’d like your Visa Debit card to access.



Getting Started

If you have a TSB account, application is easy. Just log in to Online Banking, click ‘apply’ from the menu, select ‘credit card’, enter some details and choose the Visa Debit option.

  • Don’t forget to read this bit

    1. If you use your Visa Debit card overseas, you’ll be charged an Overseas Service Fee.

    2. If you choose to use an ATM not owned by a bank in New Zealand, this may incur a service fee (in addition to any standard account transaction fee) for which TSB receives a commission.

    Take a look at our Disclosure Statement or grab a copy from your local branch. Use of our accounts and services are subject to TSB’s General Banking Information
    The annual card fee is charged five days after your card application is approved and continues to be charged annually on this date. 
    See Visa Interchange Rate Fee Schedule