Mobile payments
Pay in stores, apps and online with your phone by adding your card to Apple Pay or Google Pay.
An everyday card for everyday spending
Our Flexi Debit Visa card works like an Eftpos card but with more flexibility. You can use it to shop in stores, online, and overseas from your everyday accounts. You can also make mobile payments.
Flexi Debit Visa at a glance
- No annual card fee
- No fee for replacement cards
- Apple Pay and Google Pay™ ready
- No card fees for contactless payments or payments through Apple Pay or Google Pay in New Zealand, or online
- Online and phone purchases
- Overseas purchases and ATMs
- $2,000 daily ATM withdrawal limit
- $10,000 daily transaction limit
- Block and unblock your card in the BNZ app
- Turn contactless payments on and off in the BNZ app
- Set or change your card PIN in the BNZ app
- Fraud protection
Simple and secure to use
Shop online
Shop online with the benefit of being able to use your own money from your everyday bank account.
Fraud protection
Your card comes with leading security technology, so you know you’re protected from fraud.
Awesome extras
Get access to entertainment offers, emergency travel assistance, and Click to Pay with Visa.
Changing from Eftpos to Flexi Debit Visa
If you’ve received a Flexi Debit Visa card to replace your Eftpos card, here are some things to keep in mind.
Same PIN
Your Flexi Debit Visa comes pre-loaded with the same PIN you had on your Eftpos card. Complete a transaction using the PIN in store or at an ATM, and you’re ready to go.
Works the same way
Your Flexi Debit Visa works just like your Eftpos card. Insert or swipe the card, choose the account you want and enter your PIN. No need to pay any surcharges.
Money from your account
A Flexi Debit Visa is not a credit card. You’ll access money from your everyday accounts.
No fees
Like your Eftpos card, a Flexi Debit Visa has no annual card fee or fee for replacement cards.
Track your spending
See how you spend and where your money’s going. Use the Activity tab in the BNZ app to help you stay on top of your spending.
Keep control of your card in the BNZ app
Manage your card settings by selecting ‘Cards’ from the menu in the BNZ app.
Block and unblock
Can’t find your card? Block it while you’re looking for it, then unblock it when it’s back in your hands.
Manage payWave
Use Visa payWave to breeze through checkouts with contactless payments, or switch off payWave when it suits you.
Link your accounts
Change the accounts that are linked to the CHQ and SAV options on your card whenever you need to.
Set or change your PIN
Set or change your PIN on your Eftpos or Flexi Debit Visa card.
Our cards have these security features
Cover for fraud
NetPledge covers you for online transactions you didn’t make on your card, i.e. if someone uses your card to shop online without your permission (including someone who’s stolen your card).
Purchase protection
If you buy something online and don’t receive it, or return an item and don’t get a refund, our NetPromise policy means we can help get your money back if you let us know within 30 days of getting your statement.
Using your card overseas
Take your Flexi Debit Visa on holiday - you can use it to withdraw cash from overseas ATMs or buy things you need. Before you go, check out our travel tips to help make managing your money easier while you’re away.
Eftpos cards
An Eftpos card is a good option if you don’t need to pay for things online.
- Easy to use for your day-to-day spending
- You can withdraw cash from ATMs both locally and overseas.
- Your card is protected with a PIN. Set or change your Eftpos card PIN in the BNZ app
Everyday banking help and support
If your card is lost or stolen call us on 0800 735 901, or call us on +64 4 473 5901 from overseas.
Terms and fees apply. Fees subject to change. Mobile coverage and data required to access the BNZ app.
Online and phone purchases made on international orders charged in a foreign currency will incur a foreign currency service fee.
You may be charged a foreign currency service fee. Overseas retailers, ATM operators and financial institutions may also charge fees. See the BNZ Standard terms and conditions PDF 270KB for more information.
International toll charges apply.
For more information, please see BNZ Standard Terms and Conditions PDF 270KB, and our Personal Account, Service and Facility Fees guide PDF 136KB.
Apple, the Apple logo, Apple Pay, Apple Watch, iPad, iPhone, iTunes, Mac, Safari and Touch ID are trademarks of Apple Inc., registered in the U.S. and other countries.
Google Pay is a trademark of Google LLC.