Fees and Limits

Debit Mastercard fees - effective 14 September 2021

*Other banks and institutions may charge a fee to use their ATMs, we may receive a commission in relation to such transactions.

Type Amount
Debit Mastercard Annual Fee Free
Card replacement fee $15 per card
Foreign currency conversion fee 1.90% of the NZD value of transaction
Cash Advance fee at an ATM* Free
Courier fee - domestic $4
Courier - overseas Contact us on 0800 872 226 for a quote. The amount will be charged at the time your card is ordered

Fee Descriptions

  • Card replacement fee

    If you lose or damage your card and you order a replacement card, we may charge this fee. We don’t charge this fee if you tell us that your card has been stolen, or we are issuing you a replacement card for one that has expired.

  • Foreign currency conversion fee

    For any transaction you make in a foreign currency, we charge 1.90% of the NZD value of that transaction as an additional fee.


Debit Mastercard daily limits - effective 14 September 2021

Daily limits are based on 24-hour periods of New Zealand time.

** If the bank or institution operating the ATM applies a maximum daily limit which is less than our limits, that limit will apply instead.

Type Amount
Cash Advances at an ATM** NZD$2,000
Cash Advances across the counter NZD$2,000
Purchases NZD$12,000




  • Don't forget to read this bit

    Mastercard is a registered trademark and the circles design is a trademark of Mastercard International Incorporated.