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Making contactless payments

All BNZ Visa and Mastercard cards come with contactless technology. This means when a retailer offers ‘contactless’ as a payment option, you can pay without the need to swipe or insert your card at the terminal. Your card never leaves your hand, just hold it for a few seconds on the terminal reader.

Usually, if your purchase is more than $80, you’ll also need to enter your PIN^. However due to COVID-19 (coronavirus) we have temporarily increased the contactless payment PIN limit to $200. This is to help reduce the risk of transmitting the virus as fewer people will need to touch the payment terminal.

When you make a contactless purchase with a BNZ Visa or Mastercard credit card, the payment will come out of your credit card account.

If you make a contactless purchase with your BNZ Flexi Debit Visa, the payment will come out of the account that is set up against ‘Credit’. By default, when we set up your Flexi Debit Visa, we make the ‘Credit’ and the ‘Cheque’ accounts the same, but you can change which accounts are linked to the ‘Cheque’, ‘Savings’, and ‘Credit’ options.

If you’ve linked other accounts to ‘Cheque’ or ‘Savings’ on any of your BNZ Visa or Mastercard cards, and you want to pay from these accounts at a contactless terminal, you’ll need to insert your card instead. Then choose your account in the normal manner and enter your PIN.

Download the guides 

Download and print our guides on how to manage and set up contactless payments, with the BNZ app, on your iPhone or Android device.