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ANZ  Visa Debit card

Get an ANZ Visa Debit card disclaimer with an eligible ANZ everyday account so you can use your own money to make purchases.

Features and benefits

• Apply for ANZ Access Advantage
• Pick your colour
• Eligible accounts

Want a Visa Debit card?

Secure shopping, faster checkout with your mobile

With your ANZ Visa Debit card disclaimer added to your digital wallet , you don’t need to fill out your card payment details each time you shop online or in-app disclaimer and your shipping details are often populated automatically for you too so you can check out even faster! You can tap and pay with your phone or wearable device easily and securely by reducing contact with cash, cards and PIN pads.

Cashrewards Max

Get more for your money.

Join Cashrewards for free to access cashback offers from more than 2,000 brands. disclaimer Travel, fashion, sport, tech and even takeaway. There’s something for everyone.

Learn more  

Protection for your money

We have round-the-clock card security provided by ANZ Falcon TM to help protect your card. With our ANZ Fraud Money Back Guarantee , you’ll be reimbursed for fraudulent transactions on your ANZ card provided you notify us promptly and didn't contribute to the loss.

Accessibility features

ANZ is the first Australian bank to add accessibility features to its cards for vision-impaired customers. Features include tactile indicators that help orientate and identify cards , larger font and high-visibility edges to help with inserting the card properly.

ANZ Smart ATMs

Our ANZ Smart ATMs are secure, simple to use and easy to find. You can do a range of banking, including cash and cheque deposits and money transfers.

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Make purchases in more places

Spend in more places.

Use your ANZ Visa Debit card disclaimer to make purchases with your own money online, over the phone or overseas wherever Visa is accepted.

Paying is fast and easy

Just wave and go for purchases up to the contactless limit with  ANZ Visa payWave , or enter your PIN for purchases over the contactless limit .

Some advantages of using a debit card

Shop with your own money.

We get it - not everyone feels comfortable borrowing money to make everyday purchases. With a debit card, you shop with the money that you put in your eligible linked ANZ everyday account .

Earn cashback

Start every shop with Cashrewards and earn cashback disclaimer when you shop. Head to For You in the ANZ App to browse the latest cashback offers.

No interest

By spending your own money, you won't incur interest on your eligible linked ANZ everyday account - unless you have an overdraft. However, your eligible linked ANZ everyday account may incur monthly service and transaction fees.

You get to choose the colour of your card

Eligible ANZ everyday accounts with ANZ Visa Debit card

Everything you need from an everyday transaction account, including easy and secure banking, unlimited ANZ Transactions and ANZ Visa Debit card. disclaimer

Offers affordable and convenient banking for Concession and Health Care card holders. disclaimer

An account to help you earn interest. If you receive a Centrelink pension or a Veterans’ Affairs pension or allowance you may be eligible. disclaimer

ANZ One Offset

An offset account is a transaction account linked to an eligible home or investment loan. The money you have in this account could offset the amount you owe on that loan, and you'll only be charged the interest on the difference.

Applying for ANZ Access Advantage

Take a moment to review ANZ Access Advantage to help you decide if it's right for you.

Features and considerations

• Unlimited ANZ Transactions for a $5 monthly account service fee
• The $5 monthly account service fee will be automatically waived if you deposit at least $2,000 a month disclaimer or you can also apply for a waiver if you meet other eligibility criteria disclaimer
• You can also get the fee waived if you're a full time student or under 25 years old disclaimer
• Customers aged 12 years and above with an Australian mailing address can apply for an ANZ Access Visa Debit Card disclaimer

Things to consider

• Some transactions attract fees, like overseas transactions and bank cheques disclaimer
• Generally, ANZ won’t process a transaction that will overdraw your account. However, if your account is overdrawn, you may be charged fees and interest disclaimer
• Got a concession card or receive government benefits? Have a look at  ANZ Access Basic  and  ANZ Pensioner Advantage
• This account is for personal use only

Apply online

It takes less than 10 minutes to apply for ANZ Access Advantage online.

If you have your documents Tooltip   handy, you can get started now.

Eligibility criteria:

• Australian residents
• An Australian residential and mailing address
• 12 years or older Tooltip

Apply now  

For joint account applications, after ANZ has opened your account, you will need to visit an ANZ branch with all account holders to sign a Joint Account Authority Form. You will not be able to access your joint account until this form is signed.

Other ways to apply

Other ways to apply for anz access advantage, anz internet banking.

If you’ve registered, log in and select open a new account. Then the click on the Bank accounts tab and look for ANZ Access Advantage.

The ANZ App

Download the app from the  App Store  or  Google Play  and follow the prompts to get started. disclaimer

Call us or visit a branch

Call us on 13 33 33  Mon-Fri 8.00am to 8.00pm (AEST) or  find an ANZ branch near you.

• Shape Copy 10 Created with Sketch. Explore savings accounts

Understand more

Am i eligible for the monthly service fee waiver.

The $5 fee will be automatically waived if you deposit at least $2,000 a month disclaimer and you don’t have to keep your $2,000 in your account for the whole month.

You may also apply for a waiver of the $5 monthly account service fee*  on one nominated ANZ Access Advantage account if you

• are under 25 or aged 60 or over,
• are a full-time student at an Australian educational institution,
• receive a disability support pension or mobility allowance from Centrelink,
• have an ANZ Home Loan, an ANZ Residential Investment Loan or an ANZ Portfolio Facility disclaimer and have your salary paid into your account
• have a combined deposit balance of $50,000 in one or more of the following ANZ accounts: ANZ Access Advantage, Access Select,  Premium Cash Management ,  Online Saver ,  Progress Saver ,  ANZ term deposits ,  V2 Plus , Passbook Savings, Premier Cheque.

* Other fees and charges may apply. For details see ANZ Personal Banking Account Fees and Charges  and ANZ Personal Banking General Fees and Charges .

What is the difference between a Visa Debit and a credit card?

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.

Who is eligible to apply for a Visa Debit card?

Customers aged 12 years or over that have an Australian mailing address are eligible to apply for a Visa Debit card disclaimer .

How do I make purchases and withdraw money with Visa Debit?

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'.

How do I dispute a Visa Debit card transaction?

Please refer to Disputing a transaction .

I have another question about Visa Debit

Please click here for more answers to your questions.

You may also be interested in

My first Visa Debit card

All the basic information you need to help you get started with a Visa Debit card.

Looking for a credit card?

Choose from our range of credit cards including ANZ Rewards cards, ANZ Low Fee cards, ANZ Low Rate cards and ANZ Frequent Flyer cards. 

Earn interest and access your savings online

With  ANZ Online Saver   you can access your money via your linked ANZ everyday account. disclaimer Check out our bonus interest offer for new customers. 

Important information

Any advice does not take into account your personal needs and financial circumstances and you should consider whether it is appropriate for you. ANZ recommends you read the ANZ Saving & Transaction Products Terms and Conditions (PDF) and the Financial Services Guide (PDF) which are available at anz.com or by calling 13 13 14  before deciding whether to acquire, or continue to hold, the product. Fees, charges and eligibility criteria apply.

BPAY®  is registered to BPAY Pty Ltd ABN 69079137518.

Apple, the Apple logo, iPhone and iPad are trademarks of Apple Inc., registered in the U.S. and other countries. App Store is a service mark of Apple Inc.

Android, Google Play and the Google Play logo are trademarks of Google Inc.

Eligibility criteria apply to the issue of ANZ Access Visa Debit card. Fees may apply (for example, overseas transaction fees, overseas ATM transaction fees and non-ANZ operator fees). Please refer to the ANZ Personal Banking Account Fees and Charges (PDF)  and  ANZ Saving & Transaction Products Terms and Conditions (PDF) for details.

Mobile payments available on compatible devices and eligible ANZ cards. View the full list at anz.com/mobilepayments . Terms and conditions apply to the use of Apple Pay (PDF) , Google Pay (PDF) , Samsung Pay (PDF) ,  Fitbit Pay (PDF) and Garmin Pay (PDF) .

Cashrewards is offered by Cashrewards and not ANZ. Cashrewards is not exclusive to ANZ cardholders. The Cashrewards account is not an ANZ account. To earn cashback you must be a Cashrewards member. Exclusions and caps may apply. Eligibility criteria, cashback redemption and withdrawal conditions and T&Cs apply .  Please visit Cashrewards for further details.

Refer to ANZ Savings & Transaction Products Terms and Conditions (PDF) for criteria. 

Monthly account service fee waiver applicable to ANZ Access Advantage accounts if you deposit $2,000 or more by the last business day of the calendar month. You must satisfy the monthly deposit requirement to be eligible for the waiver in a particular month. 

On application for the waiver by an eligible customer, the monthly account service fee will be waived on one nominated ANZ Access Advantage account. For more information on Exemptions and Concessions please refer to  ANZ Personal Banking Account Fees and Charges (PDF) .

 Please refer to  ANZ Personal Banking Account Fees and Charges (PDF)  for fees and charges that apply.

Debit interest may apply. Please refer to  ANZ Personal Banking Account Fees and Charges (PDF) .

The ANZ App is provided by Australia and New Zealand Banking Group Limited (ANZ) ABN 11 005 357 522. Super and Insurance (if available) are not provided by ANZ but entities which are not banks. ANZ does not guarantee them. This information is general in nature only and does not take into account your personal objectives, financial situation or needs. ANZ recommends that you read the ANZ App Terms and Conditions available here for iOS (PDF) and here for Android (PDF) and consider if this service is appropriate to you prior to making a decision to acquire or use the ANZ App.

Loans not eligible include ANZ Simplicity PLUS, ANZ Money Saver (no longer sold), ANZ Easy Start (no longer sold) and ANZ Interest-in-Advance Residential Investment Loans.

Eligibility criteria apply to the issue of ANZ Access Visa Debit card.

ANZ Online Saver is only available to customers who open or who are the account holders of, or signatories to, eligible ANZ everyday banking accounts with ANZ Internet Banking or ANZ Phone Banking access. Eligible accounts include ANZ Access Advantage, ANZ Access Basic, ANZ Pensioner Advantage, ANZ Progress Saver, ANZ V2 PLUS and ANZ Premium Cash Management Account. Terms and conditions and fees and charges apply to the eligible account.

• Travel Advice

Travel money cards were ranked in order of highest value of USD/ euros after fees and conversions

HERE’S a list of the Top 10 best travel money cards to use when holidaying in the United States and Europe, revealing the least withdrawal fees.

Currency that Aussies should exchange now

Day you don’t want to fly this Easter

‘Not good’: Bad news for Aussie flyers

WHEN it comes to travelling there’s lots to tick off the “to-do” list and more often than not, travel money cards become an afterthought.

But don’t be lazy, that’s the advice from comparative site finder.com.au ’s money expert Bessie Hassan, who says by settling for your standard credit or debit card it can leave you with plenty of unsuspecting fees .

“Taking your everyday credit or debit card on holiday instead of getting a travel money card will mean you’ll be charged on average 3 per cent per transaction,” Ms Hassan said. “That’s a lot in fees so don’t be lazy or leave it to the last minute.”

Most people will turn to their avid travelling mate for advice on which banks provide the best travel cards and according to the site that’s Travelex Money Card and ANZ Travel Card.

The Best Travel Money Card analysis also revealed that NAB’s Traveller Card was the only one not to have any fees, but it ranked fifth for not offering as much as the others when converting $10,000 to US dollars and euros.

Unfortunately for some travellers, it’s not until they check out of that luxurious hotel on the Amalfi Coast or go on that major shopping spree in Hawaii, when they realise their everyday card has clocked a bunch of fees.

Ms Hassan said prepaid travel money cards are often a better alternative than taking your standard card as you can load it with different currencies at a locked-in exchange rate.

“Often, you can load up to 10 different currencies on the card and they typically come with fewer fees, such as $0 foreign currency conversion fees,” she said.

“Travel money cards protect you from exchange rate fluctuations while you’re travelling, and they also help you better stick to your budget.”

TRAVELLING TO AMERICA

Based on the lowest withdrawal fees, reload fees and initial load fees, the best travel money card is Travelex, according to the finder.com.au.

It topped its Best Travel Money Card survey for having no ATM fees when it comes to withdrawing money and gives you the most when converting $AU10,000 to US dollars at $7140.

While the NAB Traveller Card was the only one out of the 10 to not have any withdrawal, reload or initial loading fees, it gives you $US7,066 when converting it from $10,000 (that’s $US74 less than Travelex) — ranking it as fifth on the list.

ANZ Travel Card came in second, followed by CBA and Suncorp.

All three slapped customers with a $AU3.50 withdrawal fee but gave the most US dollars when converting $AU10,000.

Westpac Global Currency Card had a $AU2.00 withdrawal fee and Qantas came second, behind Tavelex and NAB for having the least overall fees, but respectively came sixth and seventh on the list when it came to converting it to $US10,000.

Travel Money Oz had a $AU3.50 withdrawal fee and the highest reload fee at 1.10 per cent.

Finder.com.au assessed the travel money cards based on fees and conversion rates then ranked them in order of the highest value of US dollars after fees and conversions.

TRAVELLING TO EUROPE

Based on the lowest withdrawal fees, reload fees and initial load fees, the best travel money card is the ANZ Travel Card, according to finder.com.au.

Please note, the ranking in the euro table is different when compared to the USD table due to the conversion rate.

Again, NAB Traveller Card was the only one out of the 10 with no fees.

It only ranked fifth for giving €95 less than ANZ’s card when converting it euros (€6,047 compared to ANZ’s €6,142).

In second spot was Travelex Money Card which also had no additional fees, except a 1 per cent reload fee.

Suncorp Cash Passport Platinum and CBA Travel Money Card both have $3.50 ATM withdrawal fees but no reload or initial load fees, ranking them in third and fourth place.

Westpac Global Currency Card and Qantas Cash followed Travelex and NAB for having the lows withdrawal fees at $2.00 and $1.95 respectively, but their overall currency conversion offered less than those who had the higher withdrawal fees.

Travel Money Oz had the most all-round fees, offering just €5,988 when converting $10,000, compared to ANZ at €6,142.

But it was AusPost Cash Passport that ranked 10 for its $AU3.50 withdrawal fee combined with its currency conversion of €5,951 which was €191 less than ANZ.

Finder.com.au accessed the travel money cards based on fees and conversion rates then ranked them in order of the highest value of euros after fees and conversions.

TOP TIPS — finder.com.au

• The right travel money card depends on your personal situation, including your destination, the length of your trip, and the features you value most.
• Opt for a travel money card with $0 conversion or ATM withdrawal fees, and one that supports the currencies you’ll need.
• Be cautious of fees including initial load fees and inactivity fees that may apply to ensure you get the most cost-effective product.
• If you choose a card with an inactivity fee, make sure to take any remaining funds off your card when you get home as fees can result in your money dripping away unnoticed.

BIGGEST MISTAKES — finder.com.au

• Taking your everyday credit or debit card on holiday instead of getting a travel money card will mean you’ll be charged on average 3 per cent per transaction.
• Withdrawing too little from the ATM — having to find an ATM when you’re travelling is not only annoying when but will add up if your bank charges international ATM fees.
• Not all travel cards give you the same exchange rates, and while only 1c seems small, it can add up substantially if you’re converting thousands of dollars so don’t forget to compare the exchange rates between providers.
• Using a card with foreign transaction fees — by using a card with no international transaction fees you’ll save on ATM fees. Depending on where you’re travelling to, it may also be safer and more convenient than having to carry cash.

THE MAIN FEES TO LOOK OUT FOR — finder.com.au

• Initial load fee: Depending on the card, you might be charged a fee (such as a percentage of the loading amount) when you first load funds on the card.
• Reload fees: If the card doesn’t charge an initial load fee, it may charge another fee each time you load funds on the card. If this is the case, you might want to reconsider how often you reload the card.
• ATM withdrawal fees: Some cards will charge a different ATM withdrawal fee depending on where you’re withdrawing your cash. If the bank provider belongs to an ATM alliance, you might be able to avoid ATM withdrawal fees from the issuer. It’s important to note that local ATM fees may still apply.
• Inactivity fee: An inactivity fee is charged if you don’t use the card (usually after 12 months) and there’s money remaining on the account.
• Currency conversion fees: Charged when you make a purchase overseas.

Aussie travellers planning a trip to this popular Asian destination should exchange their money now as the country’s currency plummets.

If you were planning on flying from Melbourne, Sydney or Brisbane on these dates, you may want to reconsider your plans.

An aviation analyst has painted a bleak picture of what Australia can expect in the huge year that lies ahead.

Debit cards

Have your money on-hand whenever you need it with an ANZ Visa Debit card or ANZ EFTPOS card.

You must be 13 years or over to apply for an ANZ Visa Debit card.

Control how your ANZ Visa card can be used

Manage some of the types of purchases your ANZ Visa card and mobile wallet can make by choosing your card settings in the ANZ goMoney app. Turn on or off:

• Contactless purchases (like payWave)
• Online shopping
• Overseas in-person purchases and ATM withdrawals
• Online gambling.

Change your settings anytime for added security and protection. 

ANZ Visa Debit card

Use it online and overseas.

Use your ANZ Visa Debit card anywhere Visa is accepted. Shop online or in stores both in New Zealand and overseas, and withdraw cash at thousands of ATMs worldwide, using money from your ANZ account.

Protection from fraud

With Visa’s Zero Liability — policy, you can use your ANZ Visa Debit card with confidence.

Pay with your device

Just tap and pay at thousands of contactless terminals in New Zealand and around the world. Leave your wallet at home – pay with your compatible device via Apple Pay — , Google Pay TM   —  or Fitbit Pay™ — .

Accessibility features

ANZ Visa Debit cards have a cut-out notch and high-visibility leading edge to help identify the correct way to insert the card at ATMs and terminals. Large font, the word ‘Debit’ on the back of the card, and raised tactile indicators (two dots on the front left of the card) help orientate and identify the card — .

ANZ EFTPOS card

Make purchases.

Pay for purchases via EFTPOS at retail outlets across New Zealand.

Withdraw cash from your account at thousands of ATMs throughout New Zealand and around the world.

ANZ EFTPOS cards have a cut-out notch and high-visibility leading edge to help identify the correct way to insert the card at ATMs and terminals. Large font, and the word ‘EFTPOS’ on the back of the card allow for easy identification.

Personalise your Visa Debit card

Stand out from the crowd with an ANZ MyPhoto card. It’s easy, free to create and fun – just choose one of our gallery images or upload your own photo — ,   — .

ANZ Visa Debit and EFTPOS card fees and limits

*Other transaction limits and currency conversion charges may apply for overseas transactions.

How to apply for an ANZ Visa Debit or EFTPOS card

Apply using the anz gomoney app (visa debit only).

Apply for a new everyday account with a Visa Debit card using the ANZ goMoney app. You can join without visiting a branch.

Apply online

Apply for a new everyday account with a Visa Debit or EFTPOS card using our online form. If you’re new to ANZ, you’ll need to visit a branch to confirm your identity.

Monday to Friday, 8am - 8pm Saturday and Sunday, 8am - 6pm

From overseas: +64 4 470 3142

Existing customers

Get an anz visa debit or eftpos card.

To upgrade or request a Visa Debit card, open ANZ goMoney or Internet Banking, go to Apply & Open and follow the steps.

To request an EFTPOS card, send us a Bank Mail in ANZ Internet Banking or call us.

Report a lost or stolen card

You might be interested in, everyday accounts.

Simple, easy accounts that let you spend less time banking, and more time living.

Savings accounts

Whether you're saving for your future or you have a special goal in mind, we've got an account to suit you.

Credit cards

Everyone is unique, so we offer credit card options to suit different needs.

Important information

This material is for information purposes only. We recommend seeking financial advice about your situation and goals before getting a financial product. To talk to one of our team at ANZ, please call 0800 269 296 , or for more information about ANZ’s financial advice service or to view our financial advice provider disclosure statement see anz.co.nz/fapdisclosure

Our eligibility criteria apply. Fees are subject to change. Non-standard fees may apply, including currency conversion for overseas transactions. Please use the following links for full details of our Terms and Conditions , Fees and Charges (PDF 166KB) , ANZ EFTPOS Card and ANZ Visa Debit Card Conditions of Use (PDF 103KB) and Electronic Banking Conditions (PDF 138KB) .