What to do if your NetGuard card hasn’t arrived

Update on NetGuard card removal

If you register for Internet Banking from 8 April 2025, you won’t be issued with a NetGuard card. Instead, you’ll need to use the BNZ app for two-step authentication within Internet Banking. That means any reference to NetGuard cards on our website won’t apply to you.

If you already have a NetGuard card, you can continue using it until they’re removed on 31 July 2025.

Find out more

If your NetGuard card hasn’t arrived within 10 business days of applying, please call us on 0800 999 269 (+64 4 494 7153 from overseas, charges apply).

While waiting for your card to arrive

New customers

You can still log in to Internet Banking with your access ID and password while you’re waiting for your NetGuard card to arrive. For security reasons, you’ll only be able to do this for 10 days. After that you’ll either need to use the BNZ Mobile app to authenticate, or activate your NetGuard card.

If you’ve registered for Internet Banking with your credit card, you’ll be able to view your accounts and transfer money within your accounts straight away. Once your NetGuard card arrives and you’ve activated it, you’ll be able to make payments.

Existing customers

If you have the BNZ Mobile app set up then you can use it to authenticate and access Internet Banking. In this case, you won’t need to wait until your NetGuard card arrives.

Making payments without your NetGuard card