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What is a Visa Debit card?
Who can apply for a Visa Debit card?
How can I apply for a Visa Debit card?
Can I have an additional card/s?
Can I access 24/7 telephone and internet banking services?
How is the Visa Debit card used to make purchases?
Will my card be issued with the payWave functionality?
What is the difference between a Visa Debit card and a Visa credit card?
Can EFTPOS still be used?
Will I receive a PIN number with my Visa Debit card?
Can I use my Visa Debit card overseas?
Will I need a PIN number for overseas transactions?
What if my card is lost or stolen?
If my card is lost or damaged, will there be a card replacement fee?
When should I receive the replacement card and PIN number?
My Visa Debit card will expire at the end of this month. How do I renew my card?
Will my card be embedded with a chip to give me greater protection from fraud?
Can I make internet, phone or mail order purchases using my Visa Debit card?
Can I set up recurring transactions?
What is the daily limit on my Visa Debit card?
What is Verified by Visa?



What is a Visa Debit card?

A Visa Debit card enables you to use your own money to make purchases online, overseas, 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 PLUS logo is displayed.


Who can apply for a Visa Debit card?

You must be 18 years of age or older to apply for a Visa Debit card.


How can I apply for a Visa Debit card?

You can apply online, which takes approximately 5 minutes, if you are registered for internet banking. You will then receive a phone call to confirm your details. Once the application is approved you will receive a Visa Debit card and a PIN number within 4-6 business days.

You can also apply for a card at any of our offices or by completing the Visa Debit card application. This form can be sent to the Mutual Bank by post or fax.


Can I have an additional card/s?

Yes. You can choose to have an additional card/s issued to family members or any other persons, providing they are over 18 years of age. The additional card/s operates in the same manner as your primary card and you will be responsible for their usage. Apply for an Additional Visa Debit card


Can I access 24/7 telephone and internet banking services?

Yes. Phone banking is accessible by calling 13 21 40 and is available 24/7. Internet banking is available via the login button above. 


How is the Visa Debit card used to make purchases?

When the Visa Debit card is used at an EFTPOS terminal, members have the option of either selecting the savings option which is great for withdrawing cash with your purchase, or selecting the credit option. The credit option will still access your own funds.


Will my card be issued with the payWave functionality?

Yes. Visa payWave is a new contactless method of payment. It is a simple, secure and quick payment method for transactions up to $100. The technology enables cardholders to ‘tap’ their card on a contactless POS terminal to make transactions up to $100, rather than ‘swiping or dipping’ their card into POS terminals.


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

A Visa Debit card allows you to pay for your purchases using your own money through the Visa network. A Visa credit card provides you with a ‘credit limit’ which can be utilised and repaid at a later date.

Unlike the Visa credit card, the Visa Debit card does not have an overdraft facility (unless you apply for an overdraft) and there are no interest charges payable (unless you overdraw).


Can EFTPOS still be used?

Yes. To use EFTPOS, the Visa Debit card can be used in the same manner as a rediCARD, where the savings option is selected and your PIN is keyed in when paying for purchases.


Will I receive a PIN number with my Visa Debit card?

Yes. For a new or additional card, the card will be sent to you in the mail before you receive your PIN.

If you are replacing a damaged card or renewing an existing card, the PIN number will remain the same.


Can I use my Visa Debit card overseas?

Yes. The Visa Debit card is accepted at more than 24 million locations worldwide. You can also make withdrawals from ATMs where the Visa PLUS logo is displayed. This can help avoid carrying large portions of cash (withdrawal fees apply).


Will I need a PIN number for overseas transactions?

Yes. Whether you are using a magnetic stripe or chip card, we strongly recommend that you know your PIN before travelling overseas. If you do not know your PIN, please contact us on 13 12 21.


What if my card is lost or stolen?

If your card is lost, stolen or you believe it may have been compromised, you must advise us immediately.

Call 13 12 21
Outside Australia, call +61 2 9735 9111.

If the country you are located in is not listed, or if you experience any difficulties with the above toll-free numbers, you can place a collect call through your local operator from overseas, to the 24 hour Visa Global Customer Assistance Service through the local operator on +1 303 967 1090.


If my card is lost or damaged, will there be a card replacement fee?

Yes. A card replacement fee is payable when a card is damaged, captured, lost or the PIN is forgotten.
If you are overseas when your card is lost, stolen or damaged, you can contact Visa Global Customer Assistance to request an emergency card. The cost for this service is $150.


When should I receive the replacement card and PIN number?

A replacement card and a new PIN number (if applicable) will be mailed to you separately within 7 business days.


My Visa Debit card will expire at the end of this month. How do I renew my card?

You can continue to use your existing card until the last day of the month stated e.g. if the expiry date is 11/14 the card will expire on 30 November 2014. A renewal card will automatically be issued during the expiry month and your PIN number will remain the same.

If you do not receive your new card by the 21st of the month in which your card expires, please call us on 13 12 21.


Will my card be embedded with a chip to give me greater protection from fraud?

Yes all new, renewal and replacement Visa Debit cards are issued with chips in line with the global standards for card security.


Can I make internet, phone or mail order purchases using my Visa Debit card?

Yes. Visa Debit card gives you all the convenience of access to the worldwide Visa network, enabling you to make purchases online or over the phone, like booking tickets or paying a bill.

To make internet, phone or mail orders it is as simple as quoting your card number and expiry date in addition to the CVV number (this is the three digit code located on the back of your card to the right of the signature panel), if requested.


Can I set up recurring transactions?

Yes. You can set up recurring transactions to other organisations like insurance or car repayments to be charged to your card.

To set up a recurring transaction with other organisations, you must 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 you to provide a CVV number (this is the three digit code located on the back of your card to the right of the signature panel).

What is the daily limit on my Visa Debit card?

The daily ATM withdrawal limit is $1,050 per card or $1,000 per card for EFTPOS. If pressing the credit option, your daily available limit is the balance of your Everyday or Everyday Direct account.


What is Verified by Visa?

Verified by Visa is a free service to ensure you are protected while shopping online with your card at participating merchants. All cards are automatically protected.


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